vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
I requested validation from Bonneville Collection via certified mail sent on XX/XX/XXXX for two medical collections appearing on my credit report. 

I did not receive validation response from them as the letters were returned to me as undelivered. 

Since I was unable to reach Bonneville I disputed the inaccurate item with the 3 credit bureaus. The inaccurate item deleted only from XXXX and continues to report on XXXX. 

I then sent another written letter via certified mail to the resident agent of their corporation as found in the public records ; he received my letter on XX/XX/XXXX and to date I have not heard back. 

This company is reporting an invalid address to reach them at and the Resident Agent is also not responding back. I have no other option but to request the support of the Consumer Financial Protection Bureau. I 've been attempting to resolve this situation since XXXX, nearly 6 months ago. 

Bonneville verified the debt to the credit bureau XXXX electronically but not to me. Alternatively, XXXX failed to process my dispute. Under both circumstances someone dropped the ball. They removed off one bureau XXXX XXXX but not the other. 

I request your support in the removal of the above inaccurate items that are listing on my XXXX  credit report. The law requires a furnisher of data to provide an accurate address with which a consumer may contact the provider to dispute the validity of reported information. This furnisher has violated my rights to dispute this item and furthermore has continued collection activity without validation ; also violation of the FDCPA. 

They are required to verify the validity of the item within 30 days. If the validity can not be verified they are obligated by law to remove the item. 

I 'm enclosing the two certified tracking for the letters sent to the Resident Agent. Also the envelope of the Returned Validation ; the two certified tracking for the dispute with XXXX. Copies of two letters sent to the Resident Agent. The two dispute letters sent to XXXX. Copies of the two validation letters sent to Bonneville. 11 attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Data Corporation
State: MS

Complaint narrative:
I received a letter from TRS Recovery Services XXXX Inc. saying that I owe {$420.00} for a bank overdraft fee at XXXX XXXX XXXX XXXX. I was sending TRS Recovery Services payment of {$30.00} once a month from XX/XX/XXXX-XX/XX/XXXX I send them a total of {$150.00}. I called XXXX XXXX XXXX XXXX and I talked with XXXX XXXX ( collection specialist XXXX ext. XXXX ) I was told that they have n't received any payment from TRS Recovery Services and that they no longer worked with this company. XXXX XXXX told me to send her a copies of my checks made to XXXX XXXX XXXX. I try calling this company several times and I was n't able to talk to a real person. I then send in a inquiry form to TRS Recovery Services about my account. They send me a letter saying my account was closed on XX/XX/XXXX and they are going to refund me {$55.00}. TRS Recovery Services owes me {$94.00}. I called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX on XX/XX/XXXX to get an update and I was told I needed to get in contact with XXXX XXXX at TRS Recovery Services she is the one handle your account. I called XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX I did n't get anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently the copy of my credit report sent to me by your company and found that you are reporting the below account incorrectly. Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information on all reports they hold in their possession. When I tried disputing via mail, I received a letter from your company that my written dispute was suspicious/frivolous. The FCRA also states that I have the right to dispute information that is not accurate, a right your company is denying me by claiming my letters of dispute are frivolous or suspicious. 
I have been disputing the below accounts for over a year. And within this time your company has been unable to provide me with the necessary information to prove that the below accounts belong to me. All your company ever do is open investigation after investigation with no end result. Finally in XXXX of 2017 the below accounts were removed as they were found to not be mine. 
I have since learned that your company has improperly re-inserted the below accounts on my report. According to FCRA rules, your company can not re-insert derogatory information on a credit report without first notifying me in writing, which it failed to do. The Fair Credit Reporting Act, 15 U.S.C. 1681 ( i ) ( ( ii ), states : Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion of, if authorized by the consumer for that purpose, by any other means available to the agency. 
Your company has never notified me in writing of this re-insertion within 5 days, therefore, pursuant to the Fair Credit Reporting Act, this alleged account needs to be deleted from my credit report.

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 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently the copy of my credit report sent to me by your company and found that you are reporting the below account incorrectly. Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information on all reports they hold in their possession. When I tried disputing via mail, I received a letter from your company that my written dispute was suspicious/frivolous. The FCRA also states that I have the right to dispute information that is not accurate, a right your company is denying me by claiming my letters of dispute are frivolous or suspicious. 
I have been disputing the below accounts for over a year. And within this time your company has been unable to provide me with the necessary information to prove that the below accounts belong to me. All your company ever do is open investigation after investigation with no end result. Finally in XXXX of 2017 the below accounts were removed as they were found to not be mine. 
I have since learned that your company has improperly re-inserted the below accounts on my report. According to FCRA rules, your company can not re-insert derogatory information on a credit report without first notifying me in writing, which it failed to do. The Fair Credit Reporting Act, 15 U.S.C. 1681 ( i ) ( ( ii ), states : Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion of, if authorized by the consumer for that purpose, by any other means available to the agency. 
Your company has never notified me in writing of this re-insertion within 5 days, therefore, pursuant to the Fair Credit Reporting Act, this alleged account needs to be deleted from my credit report.

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 2017-12-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
XX/XX/XXXX They called me regarding delinquency. I requested cease and desist and advised of who my attorney was. Also referred them to the complaints I had previously placed regarding assumption and modification denial based on miscalculations. 

XX/XX/XXXX received letter from Wells Fargo advising would start foreclosure proceedings would start if not brought current by XX/XX/XXXX. 

XX/XX/XXXX Guy showed up on steps representing Wells Fargo and scared my XXXX XXXX year old daughter. Advised that I had to call Wells Fargo due to delinquency.

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 2017-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Purchased an Airfare ticket with XXXX XXXX for XXXX $ in XXXX. Flew on XX/XX/XXXX and was downgraded to Economy due to a plane swap. on my return flight, it happened again. i contacted XXXX to get the situation handheld but they referred me to there partner XXXX who was operating the flight. XXXX XXXX never resolved the issue, so i made contact with my Credit card company to file a dispute. i told them the situation and they instructed me they would credit me XXXX $ back and keep the difference of XXXX charged on my account since that 's the price of an economy ticket. two months later i was asked to send proof of travel, which I did but they claimed to never have received it and recharged me the XXXX , I called and was given an apology and was told the documents were received late due to an office error and that chase would re-dispute the item for me. since then 2 months have passed and i called chase and was told the dispute is closed and we are rebilling you the XXXX , they said it was my fault because they tried to call me but i did n't answer and they cant dispute something this old ... they never called me or sent me any letter during this whole process. The item in dispute was purchased in XXXX and disputed after the travel in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
I had the XXXX XXXX XXXX mastercard with Barclay bank. I have had this card opened since XXXX XXXX. Previous to that I had another card opened with them between XXXX XXXX and XXXX XXXX. So i have been a customer with them for over 18 months at this point. During this time I have never missed a payment. I always pay my credit card off IN FULL and EARLY every single month. During this time I have saved up over XXXX points. These points are worth XXXX cent per point towards travel, so that is almost {$1700.00}. I have been saving these up for a vacation. 

My XXXX statement closed and it was due on XXXX XXXX. On XXXX XXXX, i logged into my account and went to submit a payment for {$7900.00}. This covered all of my last statement and a little on the current balance. I have XXXX different accounts that I pay my card from, and i selected the wrong bank account. The next day i get an email claiming my payment has been returned. I log on and see i selected the wrong account. I called Barclay to explain the situation and they said they ca n't do anything about it and it will automatically try and take the money again 3 days later. So i go and move the money into that account. On XXXX XXXX the payment was resubmitted and was successful. 

On XXXX XXXX I applied for a different Credit card with them. I applied for the XXXX hotel card, because my wife and i always try and stay at that hotel. On XXXX XXXX Barclays decides to close my XXXX XXXX account, and the stated reasons are the returned payment, and too many inquiries on my credit report. ( Over the past couple months I have been looking into getting my house refinanced, and we purchased a car for my wife, so my credit report was hit a few times XXXX. 

I called Barclay and tried to get them to re open the account, because i really did like the card and all the benefits. They refused to open it. I asked about the miles i have been saving up for vacation, and they said those are forfeited. I spoke with a frontline representative when i called in on XXXX XXXX and they said that barclay has the right to cancel my card at any time, and that because my card is now closed the miles are forfeited. I escalated this to a manager and spoke with XXXX XXXX # XXXX  and then escalated again to XXXX XXXX XXXX. 

I feel like they just stole {$1700.00} from me. I have been saving those up for a special vacation to take my wife on. I did nothing wrong ( I still payed my credit card in full and early ). And they took my rewards away from me. I feel helpless. I do n't know how the are able to do that, and i do not think it is right for them to be able to do that. 

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 2017-12-14 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: TX

Complaint narrative:
I recently received the copy of my credit report sent to me by your company and found that you are reporting the below accounts after I have asked for them to be removed. The below accounts are Authorize user accounts, in which I have no legal obligation to repay, however because of their balances and payment history, they are hindering and hurting my credit file and making it impossible to obtain a mortgage due to debt to income ratio and negative reporting. Once my request wasnt granted via the telephone, I then sent the request in writing in which your company told me my request was suspicious and frivolous. I dont understand why removing an account I am not responsible for is such a challenge. Please remove all authorize user accounts, they are no longer needed for credit rebuilding.

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 2017-12-14 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: TX

Complaint narrative:
I recently received the copy of my credit report sent to me by your company and found that you are reporting the below accounts after I have asked for them to be removed. The below accounts are Authorize user accounts, in which I have no legal obligation to repay, however because of their balances and payment history, they are hindering and hurting my credit file and making it impossible to obtain a mortgage due to debt to income ratio and negative reporting. Once my request wasnt granted via the telephone, I then sent the request in writing in which your company told me my request was suspicious and frivolous. I dont understand why removing an account I am not responsible for is such a challenge. Please remove all authorize user accounts, they are no longer needed for credit rebuilding.

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 2017-12-14 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: FL

Complaint narrative:
Experian report # XXXX dated XXXX XXXX, 2017 has XXXX HARD HITS on it due to the fact that EXPERIAN is reporting incorrect information and damaging my FICO score. Causing bank XXXX to repeat inquriues This must stop and be corrected.

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 2017-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX of this year I sent a wire tranfer worth {$20000.00} USD to coinbase to their account in XXXX XXXX XXXX to an account under my name. Coinbase confirmed through email that they recieived it and said as the wire wasnt send from an account under my name that they have reversed it ( I sent it from my business account ). Unfortunately my bank never received those funds back and coinbase just doesnt answer with any solution, they just say they are " working on it '', but dont give me a confirmation of the reversed wire or any documentation that support that indeed they reversed those funds. It has been almost 3 months about this, and I still havent seen any solution. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
When I was shopping for a car, the dealers told me that they will do soft inquiry but after a week it appeared as hard inquiry and my credit score went down. while I was reviewing the inquires I found also other inquires that I did n't authorize and even if they should be soft inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU
State: WY

Complaint narrative:
I previously filed a complaint against XXXX XXXX on XXXX which XXXX XXXX falsely claimed that I had used an insurance card at doctor visit when in fact I received a " self pay '' discount and did not use an insurance card. XXXX XXXX has now come back to me requesting that I complete a " identification fraud '' form, however this is bogus since I never requested Colorado XXXX XXXX to perform a lab test and I never received any lab report from CLS for alleged lab services. The amount of {$200.00} has been reported to credit reporting agencies in violation of state and Federal law, and XXXX XXXX has NOT removed this false report from my credit history. Further, XXXX XXXX in their response to XXXX claimed that the alleged charges are reasonable but I found that CLS, a member of XXXX XXXX XXXX XXXX is generally XXXX to 35 % higher than other Colorado XXXX labs such as Quest, XXXX, or the XXXX Hospital or XXXX XXXX labs. The primary complaint is that I did not order the lab tests, would have been self pay if so ordered, and I would have used a cheaper but competent lab. This debt is FRAUD, and XXXX XXXX should be charged with FRAUD.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Two transactions on XX/XX/XXXX and XX/XX/XXXX were transacted for XXXX dollars on my card and they were unauthorized. Upon notifying the card issuer they said they would be unable to file a claim on these fraudulent charges. As well they said they would be locking my account and refusing me access to the rest of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
CAPITAL ONE AUTO FINANCE WAS SUPPOSE TO REMOVE ALL HARD INQUIRIES THEY LEFT ONE DATED XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX WAS SUPPOSE TO REMOVE ALL HARD INQUIRIES THEY LEFT ONE DATED XX/XX/2016.

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