vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Asked for Validation not verification. Validation was never received so this debt was never validated as belonging to me. Please remove this account from all 3 of my credit bureaus files.

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 2017-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: DRIVEiT Holdings, Inc.
State: NV

Complaint narrative:
I bought a car from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, I returned the car less than one month later because of problem that they refused to fix. This car company went out of business. My loan was with XXXX XXXX. From the time I returned the car, I was in contact with both the finance company and the dealership. It came to a point where this dealership stop communicating with me, I sent them ( XXXX XXXX XXXX ) a letter though the postal service ( and I still have the proof ) that the manager XXXX XXXX, Told me to send. Around XXXX XXXX XXXX, I received a call from her and she told me that this matter was resolved. It was in my records as resolved, and someone changed it. ( It was changed after I ask for confirmation, go to the backup in there systems ). I called customers service ( records ). Talked to a supervisor and asked for confirmation, they never sent it. Instead, they sold the loan, after my problem was resolved, and never told me anything. I have file complaints with the BBB about this matter before, but never on this company. I received a letter from XXXX XXXX and they tell me that it is a criminal investigation going on and a complaint filed with the Bankruptcies courts, I ask about this said vehicle and he said it is unaccounted for. I do not have this car and it was return legally, not abandon like this company likes to say. Result : I was sent back my deposit from the first company. 
Now the second company tried to force me to sign some shady paperwork witch a VA and personal lawyers told me not to sign, I received constant call from these people and I would like it all to stop. This has been the worst experience trying to buy a car ever. Im being held prisoner to theses unethical companys blunders and mistakes, which I was being proactive in the attempted to resolve. Still to this day, I do not have a 1.Licences to drive 2. A Car, No one will give me a loan with this on my report 3. My Credit score ruined because of this XXXX to at one point a Low XXXX 4.I was called a Liar 5. MY  FREEDOM, I was plaining on traveling around the country in my new car, 10 months later still here. This is taking my XXXX to the next level ( XXXX War Vet ). I would like to find the underlying cause of this and have it done with. I have been OVERLY Penitent about this whole matter from All Three Companys and they have all not shown me the consideration as a viable consumer with this whole matter, I am disappointed as a customer and a consumer and will continue to use ride share to commute because of this horrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stellar Recovery, Inc.
State: IN

Complaint narrative:
It states in 2016 I opened an account and owe {$690.00}. This information is false. They have now placed this information with collections.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I never completed a Chapter XXXX bankruptcy ; and there 's no reason it should even be on my credit report. I was told this would never show because I never actually paid anyone anything ; and never filed this to begin with. This should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PDQ Services, Inc.
State: CA

Complaint narrative:
Asked for Validation not verification. Validation was never received so this debt was never validated as belonging to me. Please remove this account from all 3 of my credit bureaus files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a letter indicating that an account has been sent to collections.I expressed several times that i never received a credit card from these companies and before I take legal actions about this matter I would like for them to resolve this matter.I dont shop at these stores and im not interested in shopping at these stores.I just want my credit to be repaired XXXX XXXX XXXX XXXX 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 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a letter indicating that an account has been sent to collections.I expressed several times that i never received a credit card from these companies and before I take legal actions about this matter I would like for them to resolve this matter.I dont shop at these stores and im not interested in shopping at these stores.I just want my credit to be repaired XXXX XXXX XXXX XXXX XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XXXX XXXX is not licensed to collect in my state. I am requesting that they be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUIDANCE RESIDENTIAL, LLC
State: IL

Complaint narrative:
I am long time customer of guidance residential which provide XXXX loan in XX/XX/XXXX I didnt have the hazard insurence of my building they send me the letter about the inside condo insurence I bought from XXXX .but not for the building insurence we have four unit condo building I took the condo inside insurence and send them the copy .after one year in XXXX they asked for building insurence I took the insurence from XXXX XXXX and send them but now they are saying give us theXX/XX/XXXX year building insurence Money which is already passed. I was late getting the insurence of 2017 and they bought the insurence for me and send me the copy which was reversed when I bought my own insurence but they didnt send me any letter or reminder to get the insurence ofXX/XX/XXXX they didnt buy any insurence of XX/XX/XXXX they didnt send me the copy of the insurence which they send in XX/XX/XXXX but they are asking Money for that I tried to solve the problem but they are not willing to listen please help its around XXXX dollars and other owner are not willing to pay thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Ive sent to HIPAA letters already informing Medical Data Systems That theyve violated my privacy by having information from a medical provider and asked that they delete it immediately from my credit report which they have yet to do but insist on sending me debt collection letters. Its illegal for them to have any information dealing with private medical matters! Theyre also not licensed in the state of Georgia where i reside. This account was added between XX/XX/XXXX-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 2017-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CB1, Inc.
State: MT

Complaint narrative:
I 've never filed for Chapter XXXX Bankruptcy ; and this debt is not even mine ; This needs to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
My identity was stolen in XX/XX/XXXX. Ever since that date I have been working diligently to remove all fraudulent information from my credit report. However, there are some companies that just refuse to abide by the laws set forth to protect consumers from continual harassment. Citibank is one of those companies that just will not leave me alone. I have sent them my FTC Affidavit, Police Report, and formal Dispute Letter by registered mail. Despite all of my efforts they claim this card that was fraudulently opened in my name is mine. Their proof is that the name and address match. That 's it! I asked them for Application Records, Screen Prints of Internet/Phone Applications, Statements or Invoices, Payment/Charge Slips, Investigator 's Summary, Delivery Addresses, All records of phone numbers used to active or access the account, signatures on applications and accounts, and any other documents or records associated with the account. All I received was a letter from them stating they verified the account is mine with no explanation. I sent another dispute letter. Then they send me a letter stating they sold the debt to XXXX XXXX XXXX XXXX. I sent them a formal dispute letter stating I am a victim of identity theft. I told them they needed to cease collection. I advised that Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an an account if the victim asks for it. I requested the same information as stated above from Citibank. This letter was sent in XX/XX/XXXX. On XX/XX/XXXX, I receive a letter from XXXX XXXX XXXX XXXX stating that " ... we have confirmed the name and address listed on the account, as well as the amount owed. Listed below is a summary of the account. Also, enclosed are documents provided by the original creditor that confirm this account. Upon review of the enclosed documentation from the original creditor, we now deem this account validated. '' The " documents '' they sent was a Citibank statement dated XX/XX/XXXX. That 's it. Nothing else. When I tell them I am a victim of identity theft it means someone used my personal information ( i.e. name, address, social security number, birthdate, etc. ). Simply verifying name and address is ridiculous. They provided none of the information requested to truly verify an account. I want these people off my back, a letter of clearance that this is not my account, and my credit report corrected. I will get a lawyer if need be. I have already sued one creditor for the same reason and won.

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 2017-12-06 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX ; there were a slew of illegal charges on my credit account. A total of 8 charges totaling {$2300.00}. I called Wells Fargo that same day and informed them of it. The lady said that they would be taken off my bill and a new credit card would be sent. A billing statement later, I noticed that only half of the illegal charges were deleted but half still remained. There appears to be 4 illegal charges charged twice to my account but only the initial 4 were deleted and not the other 4. Subsequent calls and in person visit to the bank have been unsuccessful to correct this. They claim that I must pay for these illegal charges and there is nothing I can do about it. I do n't know where else to turn. I only use my card for paying my utility and some small purchases here and there.

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 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have written to Experian on four different occasions requesting validation of the two collections that they have on my credit report.They have not provided me with any information that shows validation or verification of the accounts as I am not aware of these two accounts. They have simply came back and stated that they were verified and that they would not re-investigate although I was never provided with any sort of documentation. The accounts are as follows : XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1500.00}

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 2017-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I was admitted to XXXX XXXX earlier this year for shortness of breath. I am on XXXX and XXXX Supplement Insurance so I provided my cards expecting to have everything fully covered. Many tests were run, xray, scans, blood tests etc. I was released later that same day. Weeks later copies of the bills came through with everything seemed to have been paid, but the billing is confusing as every charge is split into components to match arbitrary rules on billing by the government and insurance companies. I also received bills from various departments. It turns out one bill was not consolidated with the others by the hospital and they charged me separately. I spoke to the hospital and they said they would resubmit. Next got a collection notice from XXXX XXXX syste that they plan to send my account to collections. I called and explained that my insurance should have covered it all and they ask me to send a copy of my insurance cards and they would resubmit. I sent photos of the cards XX/XX/XXXX. XX/XX/XXXX notice from XXXX that my credit score dropped 40 points because XXXX XXXX XXXX has reported collections. I called ask why I was not notified by mail or email and they said they did not have to. Demanded I pay first and then they will try again. They claim they can not see the attached photos in my last email. I paid them to get my credit score back. Their web site has a consumer site that is not operative. My complaint is why is the consumer put in a position of defending their position. XXXX XXXX should have done a better job with the paperwork and never have partnered with an unprofessional company as XXXX XXXX XXXX for collections when the hospital was at fault and XXXX follow up was not professional and lack of results was due to their own inadequate equipment. I used iphone photos, and also scan from Brother copier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank Of America at XXXX XXXX, in XXXX Florida received a wire from my bank on XXXX. The wire was executed based on fraudulent information provided to me from the deposit customer ( XXXX XXXX ) of Bank of America. The minute I figured out I had been scammed by the Bank of America wire recipient, I contact my bank to ask for the wire to be returned. Bank of America took 7 months to respond to my bank request, confirmed the beneficiary was still an active customer, and has since refused to cooperate in sharing information regarding their customer, customer relationship, or the wire or funds available to return the money to me. I informed the bank that one week before their customer opened an account at Bank of America, she had been arrested on credit card fraud charges in XXXX. 


Bank of America took until XXXX of 2016 ( 7 months ) to execute a hold harmless agreement and respond to my bank 's inquiry for account and account holder information. When Bank of America responded, they said the wire fraud perpetrator was still a customer of theirs but refused to return the money. They have since refused all contact with my bank. I have a police case filed in my home county and in XXXX. I have the BofA customer name, address, phone. But I am still out {$15000.00}. 

This wire scam included XXXX VERIFIED victims from XXXX XXXX to XXXX XXXX, 2016 with over {$520000.00} in known wire fraud amounts for these victims. I have names and address for a total of 82 persons who were ACTIVELY being victimized by the same wire fraud group called XXXX XXXX during the scam period. But the FBI and Police both had, and still have, zero interest in the case. Why? 

A XXXX Police booking sheet on the Bank of America customer, and an XXXX form, are attached to this XXXX  complaint.

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 2017-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
We recently sold our home which started out as XXXX XXXX XXXX, now PNC. We received a refund check for pmi insurance for {$560.00}, but could n't cash it because it was in the banks name. Several phone calls they explained that was a bulk check and we were getting {$6.00} back from that. I have the original documents signed when I bought the house, and it shows for PMI insurance my maturity date is XX/XX/2017. That probably was correct except I opted to do the twice a month payment when I got the loan. Because of that I was at 53 % at closing. Well below the 78 %. I know what it shows by what I signed, but the numbers do n't lie. 53 % is 53 %. PNC is standing by what is signed not actual numbers. I also would like to know what PNC rule is for flood insurance, they have had me pay for a total rebuild, not for the loan amount like other banks? I have been in contact with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: DC

Complaint narrative:
I am a current Coinbase.com customer. I recently traveled to XXXX on vacation and logged into my account on my cell phone because bitcoin was on the rise and I wanted to check my balance. Unbeknownst to me, XXXX blocked/locked my account and reversed 2 of my transactions ( which I have still not received the funds for yet. ) I have reached out more than a dozen times to their customer support, to no avail. I am frustrated because I just want someone to help me unblock my account. ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Did not even know about the debt initially until I was applying for a credit card and it came on the report. The debt was an invalid debt from the apartment complex and I was speaking with them when my lease ended in XX/XX/XXXX to settle it. 

Once I found out about the debt, the address that was shown on my credit report was not the address their office was located for any resolution letters to be sent so there was no way to contact them by certified mail. I did more research on the company and found out they have a different address that is not listed on the collection reports and it was the correct address. I requested them to validate the debt around XX/XX/XXXX, which they agreed to not report the debt for the period of time they were validating it because they needed more than the 30 days in order to do that ( it never stopped reporting on any of my reports during that time frame ). When they validated the debt all they provided was the receipt for the apartment complex that used to own the center I was residing at ( which that company is n't even there anymore ). The amount that they stated was owed was approximately {$260.00}, but for some reason the collection amount they said I owed was {$290.00} which was invalid. 

After I received all the information and discussed with them how everything was invalid they still continued to report the invalid information. 

XX/XX/XXXX I contacted my attorney to communicate with them in order to get this issue resolved and the invalid account removed. They resolved the debt, but the account is still reporting negatively and inaccurate information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief