vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: URS Holding, LLC
State: AZ

Complaint narrative:
I am a victim of identity theft. Someone opened a credit card account with XXXX XXXX XXXX and now the account is with the debt collection agency XXXX XXXX XXXX XXXX. I have been receiving harassing telephone calls at XXXX XXXX  daily from XXXX XXXX XXXX XXXX representatives who has been using abusive and profane language against me, making death threats and threats of legal action for a debt that dont belong to me, and is the result of identity theft. I have never applied for a credit card with XXXX XXXX XXXX. The debt is not mine and dont belong to me. XXXX XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Seterus, Inc.
State: AZ

Complaint narrative:
A Divorce Decree was signed and recorded by the Superior Court Arizona dated XX/XX/XXXX. The Decree specifically states to the Respondent ; ( page 5, h ) " The marital residence located and debt thereon in the approximate amount of {$22000.00} awarded to Respondent. '' The Decree further states ; ( page 8, paragraph 9 ) " Respondent is hereby awarded as her sole and separate property subject to any encumbrances thereon, upon which Respondent shall indemnify and hold the Petitioner harmless, all property, assets, cash payments, and items allocated to the Respondent as set forth in this Decree. '' The Decree additionally states ; ( page 8, paragraph 12 ) " This Decree of Dissolution shall be deemed a sufficient deed, conveyance, assignment, transfer and/or bill of sale of any and all right, title, interest and claim and demand of every nature covered by this Decree. It is further ordered that this document may be filed and/or recorded a valid instrument. '' XX/XX/XXXX, I forwarded a Divorce Decree copy to Mortgage company and asked to have my name removed from negative credit reporting. The Mortgage company continues to ignore the Superior Court decree dated XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Child is XXXX XXXX XXXX my child support payments have never went delinquent in fact it is paid current up to date the payments that are being made right now is interest only not late fees and is invalid reporting to credit bureaus I have called and written letters for over 4 yrs to get this account removed off my credit ; because payments have always been current and onetime also because there were no services or contracted services nor product to have this account appaering on my credit report. Was made aware that new child support law from XX/XX/2017 enforces bureaus to remove child support from being reported to credit bureaus. Also the Federal Tax Lien is not my debt its reporting on wrong credit file, showing paid so why would it be reported so all information is invalid the account, account type, date, amount and mismatch personal information for this is not my account. As far as collection account I have not received medical treatment from company that has recently posted on my credit report : XXXX XXXX spoke with company trying to see how they got my information the information in their system does not match me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Child is XXXX XXXX XXXX my child support payments have never went delinquent in fact it is paid current up to date the payments that are being made right now is interest only not late fees and is invalid reporting to credit bureaus I have called and written letters for over 4 yrs to get this account removed off my credit ; because payments have always been current and onetime also because there were no services or contracted services nor product to have this account appaering on my credit report. Was made aware that new child support law from XX/XX/2017 enforces bureaus to remove child support from being reported to credit bureaus. Also the Federal Tax Lien is not my debt its reporting on wrong credit file, showing paid so why would it be reported so all information is invalid the account, account type, date, amount and mismatch personal information for this is not my account. As far as collection account I have not received medical treatment from company that has recently posted on my credit report : XXXX XXXX spoke with company trying to see how they got my information the information in their system does not match me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
... 1 ) Simple Bank does not notify or disclose anywhere to its customers that it will treat federal money orders like a personal check. All Simple Bank states is that they will hold checks for 10 days. 

... 2 ) Normally banks and merchants treat federal money orders the same as cash, whereas they treat paper checks as, well, paper checks. 

... 3 ) If Simple Bank wishes to uncharacteristically treat money orders the same as paper checks, Simple Bank would be required to notify its customers of such a draconian policy ; but they have not updated their terms on their website even though this is the third complaint. 

... 4 ) The solution is Simple : Please update your website stating money orders will be treated the same as cash, and then please compensate my account for your oversight in not properly notifying customers that money orders will be treated the same as personal checks with regard to holds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Today, XXXX-18, I called to pay my Navient Loan and I was told that I couldn't use a credit card. So I went out and got a prepaid debit card, but the automatic system won't process it. The system is very annoying and difficult to use. It has few options and I'd constantly asking and promoting things I don't need. I've called 6 different numbers looking for a person, but they don't have anyone on weekends. Their online system only asks for a bank account, and doesn't let me pay with a debit card even though they said they accept debit XXXX cards. There is no answer at customer service to resolve theee issues. I can't pay them like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I am a victim of identity theft. Someone opened a credit card account with XXXX XXXX ending in : XXXX. The account is a fraudulent and unauthorized account. I have never applied for an XXXX XXXX credit card account. The account and debt isnt mine and dont belong to me. The account has been transferred to XXXX XXXX XXXX XXXX for collections. I have been receiving harassing telephone calls at XXXX XXXX daily from representatives from XXXX XXXX XXXX XXXX using abusive and profane language, making death threats, threats of taking legal action and me going to jail. I informed representatives from XXXX XXXX XXXX, XXXX that I am a victim of identity theft and the account is fraudulent, unauthorized and dont belong to me. XXXX XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have contacted Capital one several times in the past few months on my credit interest rates and asking if they could help by lowering my credit interest. Every time I complain to Capital one, it seems that they increase my interest rate another .25 %. In the past 6 months my interest rate has been raised 4 times, even though I have tried to make additional amounts above the minimum. Each time I have contacted Capital one they have told me that they can not help me and after each contact another .25 % increase was put onto my cards.is there anyway that the FTC can investigate on my behalf on why this is happening. If my interest rates continue to increase I will be forced into bankruptcy. 

I have paid my bills in good faith but they do not seem to care about my on time payments rather just on ways they can increase my interest so that the monthly charges are well above a reasonable rate. 

this pertains to several of my credit cards : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX I am on XXXX and can not afford for every company to jack up their rates well over what I receive in my XXXX  increases. It seems that every time we turn around they are increasing my costs and not increasing my income. The credit card companies seem to be the worst of most of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I tried to use Transunion 's online dispute form, but it didn't give me any option to dispute a fraudulent credit inquiry. It gave me the option to request an investigation into the two credit cards I actually own, but I have a credit inquiry using my maiden name and old home address ( from before college ) that happened a couple weeks ago that was not me. 

Transunion doesn't give me the option to get that removed from my credit report. I need the XX/XX/2018 inquiry from XXXX/XXXX XXXX removed from my credit report completely because I did not initiate that inquiry. 

I called Transunion and selected the " Fraud '' option. It didn't connect me to a person. I had to listen to a very long sales pitch about credit monitoring for $ XXXX/month, and when I selected that I wasn't interested, I heard an even longer recorded sales pitch for the same service. Absolutely unacceptable for a credit bureau when I'm trying to get fraud resolved. I was able to post a fraud alert, but was offered no help removing this inquiry. 

I've reached out to XXXX as well to ask them to help resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase has {$4500.00} of my money more than a month after they said they returned it. On XX/XX/XXXX I wire transferred {$4500.00} from my bank to my XXXX account at Coinbase, who said on XX/XX/XXXX the wire was rejected and would be returned because of a name mismatch. I hadn't received the money by XX/XX/XXXX so I filed a complaint with the CFPB. On XX/XX/XXXX, exactly 15 days later, Coinbase told CFPB that the money was returned on XX/XX/XXXX and that the case was resolved. Further, Coinbase told me and the CFPB that I should ask my bank where the money was and they provided a FED reference number. My bank could not find the money and said that I should ask Coinbase to trace it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following debt collection accounts : XXXX XXXX XXXX XXXX, {$960.00}, and XXXX XXXX XXXXXXXX  XXXX, {$12.00}, XXXX are fraudulent, unauthorized and dont belong to me. I have been receiving harassing phone calls daily at XXXX XXXX from representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX, using abusive and profane language against me, making death threats, threats of taking legal action against me, and threats of me going to jail and prison. I informed representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX   XXXX, that the debt and account is fraudulent, unauthorized and not my debt. XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX, is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation
State: SC

Complaint narrative:
I applied for a personal loan with a company called XXXX XXXX I am XXXX and have been struggling since XX/XX/2009. This company did not ask me if I wanted the life insurance and they charged me XXXX to insure my items i Used for collateral. The life insurance was XXXX The person in the office really did not go over this information with me. I called the company the next day and told them I had life insurance and my agent who handles my property insurance said my collateral items were covered under my home owners policy. I do not need this services.I have recently wrote a letter to the office asking them to remove these charges. They have not yet. People like myself who has a disable nag condition lose our jobs our health insurance and end up going bankrupt. Prior to this I had excellent credit. These lending companies charge outrageous interest then they add the insurance to your loan and you pay interest on this also. They have reported to the credit bureau that I have a loan for over 6,000. I borrowed XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following debt collection accounts : XXXX XXXX XXXX XXXX, {$960.00}, and XXXX XXXX XXXX, XXXX, {$12.00}, XXXX are fraudulent, unauthorized and dont belong to me. I have been receiving harassing phone calls daily at XXXX XXXX  from representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, using abusive and profane language against me, making death threats, threats of taking legal action against me, and threats of me going to jail and prison. I informed representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, that the debt and account is fraudulent, unauthorized and not my debt. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following debt collection accounts : XXXX XXXX XXXX XXXX, {$960.00}, and XXXX XXXX XXXX, XXXX, {$12.00}, XXXX are fraudulent, unauthorized and dont belong to me. I have been receiving harassing phone calls daily at XXXX XXXX from representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, using abusive and profane language against me, making death threats, threats of taking legal action against me, and threats of me going to jail and prison. I informed representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, that the debt and account is fraudulent, unauthorized and not my debt. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I never applied for credit with Pay Pal. I saw that Pay Pal pulled my credit without my authorization. I asked for the credit application and they said I did apply and they decided not to approve my application and they could not tell me why. I have over $ 60k available credit and a XXXX credit score so if I did apply for the credit from Pay Pal why did they not approve me unless the application didnt have my correct information. Please expunge from the credit reports as I did not authorize Pay Pal to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
In XX/XX/2017 American Express Advertised to me, a new XXXX credit card that offered XXXX XXXX miles as a signup bonus ( after spending up to a certain amount ). The terms stated that someone who'd already had this card was ineligible to receive the sign up bonus. I could not remember if I'd had this card before, so i contacted Amex to ask them. The representative I chatted with asked me to wait while he checked all my accounts. He came back and told me that I'd not had the card, and confirmed that I was eligible for the sign up bonus. With this information, I decided to apply for the card. If I had found out I was not eligible to receive the bonus, I obviously would *not* have applied for the card. 

I applied for the card and reached the spending threshold but my miles never arrived. I reached out to Amex and eventually found out that I didn't receive the miles because I did have that card years before. I explained to them that I'd specifically asked them if I'd had the card, and if I was eligible for the bonus, and the answer given said specifically that I WAS eligible. They were not willing to understand that they should still award the miles, or that it would be unethical to punish me because THEY gave me false information. They claimed to launch a " back end '' investigation, and every time I checked in there was no information. They told me the max time would be 8 weeks. However, 9 weeks after opening the investigation, when I contacted the rep still had no information ... and depsite me saying over and over that I had a screenshot of the chat with the Amex rep, no one at amex would even let me show them. 

They should be required to deliver the miles they owe, and not be permitted to trick me into applying for their credit cards. Their customer service issues are also almost unimaginable ... but that's probably not within the scope of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm a victim of identity theft I contacted the credit agency such as TransUnion, XXXX, XXXX via Certified Mail that I had inquiry on my credit fraudulent providing them with a police report of the incident stateing my California Driver license including my Social Security Card TransUnion stated that there was nothing they could do that I had to notify each inquiry on my credit that I was a victim of identity theft and ask for a letter stating I did not inquiry about there agency so I did I was told they don't do that and I just had to wait tell they drop off so I contacted TransUnion again upon my information I was given the same story I stated to them again that they have a report stating im a victim of identity and im asking the inquiry be removed they said no can do I have hard inquiry for Airlines credit I have never been out this State.. please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I applied for the AMEX Premier Rewards Gold card on XX/XX/2018 and was assured delivery by the following Monday. When the card did not arrive, I called AMEX to inquire about the delayed delivery. Because the card did not arrive on time, AMEX agreed to send me a " replacement '' card. However, the replacement was for a completely different card -- my XXXX credit card. As soon as I caught this error, I called AMEX to rectify it. However, instead of sending me the correct card -- my Premier Rewards Gold Card -- I was incorrectly sent a second XXXX replacement card. 

This week I've called AMEX and their shipping partner, XXXX, roughly 20 times to sort this out. In the process, I've been mailed three incorrect replacement cards and have been provided with at least five different arrival dates for my new credit card. 

This delay has inhibited me form taking full and fair advantage of my new cards introductory offer which which requires that I spend {$2000.00} within the first 90 days of account opening. 

Additionally, I NEVER authorized any of the three replacement cards that were sent to me. I specifically requested that I receive my Premier Rewards Gold card each time I called, and never asked for my delta card to be replaced.

Company response to consumer: Closed with explanation