vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-21 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: SC

Complaint narrative:
I reported identity theft and the accounts were closed only to discover they have reappeared

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 2018-05-21 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: SC

Complaint narrative:
I reported identity theft and the accounts were closed only to discover they have reappeared

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 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XX/XX/2018 several accounts were closed due to identity theft today I discovered they have reopened without any notice or permission Im not sure what Synchrony Bank is trying to achieve with this type of underhanded practice but its not appropriate business practices

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 2018-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jana Ferrell & Associates LLC
State: OK

Complaint narrative:
i am asking them to validate this debt with a signed contract for the amount they are claiming, please forward a contract that has the creditors name, address the amount claiming i owe and my signature. thats the only paper that i will except as validation, its also all the courts will except as proof the debt is mine. you can upload that through this site. if you dont or cant this will be my final notice prior to file suit in XXXX XXXX courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My husband and I submitted an investigation request to Equifax on XX/XX/2018. Over 30 days have passed, and they have not yet sent us the results. I even sent them a follow-up letter which has also been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: OH

Complaint narrative:
XXXX 'XXXX client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with XXXX XXXX. An account with XXXX XXXX XXXX was estaliblished and charged for {$4300.00} dollars. This was done without the consent of XXXX XXXX. An official dispute of this information was submitted to XXXX XXXX fraud department XX/XX/XXXX ; however as of this date XXXX XXXX has failed to provide an update of the investigation and they have continued to report the account to XXXX XXXX 's Equifax credit report. In addition an official dispute of the XXXX XXXX account was submitted to Equifax ; the address associated with the fraudulent account was also reported to Equifax however, as of this morning XX/XX/XXXX, " XXXX '' a representative with Equifax confirmed with my client, XXXX XXXX the fraudulent address and XXXX XXXX information was not being removed. 
Both Equifax and XXXX XXXX are in violation of FCRA and have violated my client 's federal consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX someone from XXXX XXXX XXXX contacted me and said that I had a credit card with XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. They said that I owed XXXX XXXX  {$2600.00} from XX/XX/XXXX. They also stated that if I paid the settlement of {$1500.00} by XX/XX/XXXX, then they would not report any derogatory information to the credit bureaus. I explained to the representative that I do not owe any money to XXXX XXXX, and that I do not remember having a credit card from XXXX XXXX. If I had a XXXX XXXX XXXX XXXX, I would have already paid it off. She then asked me if I had social security or XXXX benefits in which to pay this debt. She stated that if I do not pay the debt, that they would place a lien on my house and add this debt to my credit scores. She stated that I had good credit but it would not be good when they added this to my credit report. I explained again that I do not have Household Bank credit card and if I did, it was 13 years ago based on her dates. I looked at my credit report and I noticed that XXXX XXXX XXXX had an inquiry on my XXXX  Report XX/XX/XXXX. I also noticed that I do not have a XXXX XXXX  credit card on my credit report. I also sent a complaint to the Texas Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
I received a letter or garnishment served on my employer for an old account. They have been garnishing my check ever since. XX/XX/XXXX the last payment was taken from my check showing the garnishment was paid in full. Monday XX/XX/XXXX the same company emptied my checking & savings account of {$720.00}. I called and couldn't get anyone to talk to me. So I went thru the provider line and got someone that way. I explained what happened she said that her records indicate I still owe them {$200.00}. She said she would have an attorney look at it and let me know. But they are not responsible because they haven't received the last payment yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX HAVE BEEN CALLING MY BUSINESS PHONE REGARDING A FALSE IMPORTANT MATTER. I HAVE NO CONTRACT WITH THIS COMPANY AND THEY NEED TO STOP CALLING MY BUSINESS PHONE. THEY HAVE CALLED NUMEROUS OF TIMES FROM DIFFERENT NUMBERS. I HAVE NOT RECEIVED ANY NOTICES IN THE MAIL REGARDING ANY IMPORTANT MATTER FROM THIS COMPANY.

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 2018-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
I have a loan with Prestige Financial, I have been making a payment every other week for about 6-8 months. My actual payment is due on the XX/XX/XXXX of the month.XX/XX/XXXX I received an email about the payment. I sent a payment authorization on Tuesday morning and advised that I would notify the office the following week around the time that I sent the payment. They started harassing me emailing me over and over again up until Thursday. I begged them to stop, I advised that my plate was currently full, however, I have not missed a payment and I would be contacting them as promised. I check my email on Monday and there's a message, I asking to set up a payment arrangement. My payment isn't 30days late, I paid 1/2 already and there has to be a law that protects consumers from being harassed. This was ridiculous, I could not believe that I was receiving so many emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: NC

Complaint narrative:
XXXX XXXX and their financial Partner XXXX XXXX have made it difficult for me to cancel my membership. After registering with XXXX XXXX in XXXX for a gym membership, I quickly realize that the company was charging me more than they were supposed to my bill. After multiple attempts to speak with representatives from XXXX XXXX, I kept getting the runaround. The representatives at XXXX XXXX would tell me to reach out to their financial partner XXXX XXXX. When I reached out to XXXX XXXX to rectify the issue, XXXX representatives would give XXXX the runaround and refer me to XXXX XXXX. I effectively was not able to speak with anyone to get a resolution. That prompted me to write a letter of cancelation to XXXX XXXX as stated in my contract and supposedly 30 days after they receive the letter, my membership would end. I went straight to XXXX XXXX   website and submitted that cancellation. I received a verification email stating my account was suppose to be closed in early XXXX. On XX/XX/2018, after reviewing my credit card statement, I noticed that XXXX XXXX and XXXX XXXX had both charged my credit card. Even though they were not authorized to withdraw funds from my account, they were bold enough to charge my card even more than would have been charged had i not canceled. I have given neither of these companies the authorization to charge my account and after calling XXXX XXXX, I was once again advised to call XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I had sent a Money Transfer ( MTCN XXXX XXXX XXXX ) for XXXX XXXX to XXXX XXXX XXXX in XXXX, XXXX , through Western Union. Since the Beneficiary did not collect the same, I got a letter from Western Union, asking me to go to their Agent and collect a Refund, if I want to. Accordingly, I went to the same Agent ( " XXXX XXXX XXXX '' in XXXX XXXX, NY-XXXX ) through whom I made the transfer. He confirmed that the amount is not picked up but he can't process the refund unless I call Western Union at XXXX and get another Code Number. 

Accordingly I called that number and spoke to one of their CSRs - XXXX ( Employee Number : XXXX XXXX ), probably in The XXXX. She verified all the information and and put me on hold for almost 20 minitues and at XXXX XXXX said that the she can't process the refund and I will have to wait for a call from some other department, which might come in 24 hours. 
I do not understand why I have to wait another 24 hours, since the Money Transfer is still pending in their system and she has verified all my information. .I told her, I have worked in the Money Transfer industry at the CEO level in the US and also abroad for over 2 decades and have never heard of any such rule.She says that is the rule of Western Union .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
when i booked my XXXX XXXX ticket via XXXX website i was asked if i wanted {$200.00} off the ticket and XXXX extra miles when i charged {$2000.00} dollars on the new card. so I applied and was accepted. When i got my new statement on this new card that show the airline ticket purchased. I was told no {$200.00} credit of first XXXX XXXX ticket purchased and that i would not receive the XXXX bonus miles either. due to my having an existing XXXX XXXX  Citi bank issued credit card. I might point out that no place on XXXX XXXX website did it say for new card holders only. there refusal to grant the credit amounts to bait and switch and really is upsetting. Please order Citi Bank to live up to the offer they made made me on XXXX XXXX website. Had they not offered the {$200.00} on my first ticket with the new card i would have booked a much cheaper flight the the one i booked

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 2018-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Avant Credit Corporation
State: MI

Complaint narrative:
They said we took out a loan with them and we did not they refuse to correct their error they have the wrong date of birth wrong address

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: MN

Complaint narrative:
PHH Mortgage Services of XXXX XXXX New Jersey refuses to release me from their private mortgage insurance unless I succumb to their extortionist demands. According to THEM my home is worth {$230000.00}, according to THEM I owe them around {$160000.00}, yet despite them saying this, they refuse to remove the Private Mortgage Insurance on my loan and are trying to extort me for additional money. This is completely unacceptable and they refuse to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Hello and thank you for your consideration. I noticed an item that was sent to collections as a charged off debt from XXXX. However, this alleged debt was settled prior to terminating my contract with this company. Prior to closing the account, I made a payment of {$160.00} to XXXX and was told that this satisfied all outstanding charges. I have tried to contact XXXX and they have refused to validate the debt. The debt was transferred to a company called Amsher Collection Services. Both Amsher and XXXX have refused to validate the debt owed or provide any documents proving the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was checking my oldest credit account online as of XX/XX/XXXX, noticed it had been closed due to inactivity. I called Capital One in response to get it reopened, but they claim they can not reverse this decision. I was told it was closed XX/XX/XXXX so this was within 90 days that I was inquiring about this account and requesting it be reinstated. All of the contact information has been up to date, and I have not received any notices that this account was going to be closed. The representatives confirmed on the phone that no notices were sent. I also called again on XX/XX/XXXX to try and have the situation rectified but they claimed they could not reverse the account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
TSI repeatedly tried to collect a debt that was not mine. I repeatedly asked for an invoice, which they are legally required to provide. After 6 months of going back and forth, their calls stopped. I found out this week that they had reported this to the credit agencies without any action on their part to resolve or provided the required backup documentation. After it was on my credit report, I went back and found my date book which showed I was out of the country and was able to confirm by the stamps in my passport.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: UT

Complaint narrative:
XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Were both in a bankruptcy I filed on XX/XX/2014. Both of these accounts continue to update showing negative balances after the bankruptcy was discharged over 4 years ago. 
I have tried several times to have this issue resolved the credit bureaus and the furnishers but with no success.

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 2018-05-21 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: AL

Complaint narrative:
I called TransUnion and XXXX on XX/XX/2018 about some unauthorized inquiries on my credit report that I didn't authorize and asked both credit bureaus to be remove the Inquiries. TransUnion refuse to help or remove anything. TransUnion told me to contact the creditors and to file a police report and fax a deletion letter from the creditors. I contacted the creditors. I also informed them that the Inquiries were unauthorized and I didn't give any one permission to pull my credit. XXXX let me dispute the unauthorized inquiries and waiting on the results. I a fraud alert on my credit report with XXXX  and XXXX. TransUnion refuse to put a Fraud alert on my credit report. I've file a police report and faxed the info in to TransUnion as well but the credit bureau refuse to help me with unauthorize inquiries. The Inquiries are making my credit reports seem like I'm begging for credit when I'm not. The Inquiries are damaging 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 2018-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I do not understand how can a statement from XXXX XXXX which I never had this account with XXXX XXXX be validation. I have a current account good standings with XXXX XXXX but never this one. When was the last payment made on this account? The statement doesn't provide any validation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I had transferred some monies from my checking account with XXXXXXXX XXXX to my cryptocurrency account with Coinbase. I did this with my Coinbase app on my cell phone. I believe these are considered to be " ACH debit transactions '' by the bank. I made a transfer of {$2000.00} from my XXXX checking account to my Coinbase acct. This transaction went smooth. Then I made another transfer of {$5000.00} with my Coinbase app, from my XXXX checking acct to my Coinbase account -- this transfer of {$5000.00} was a disaster as the Coinbase app caused this transaction to be a duplicate transaction ; in other words, TWO {$5000.00} transactions were made instead of just one {$5000.00} transaction. 
The worst part is the money never made it into my account with Coinbase. I was only credited for {$7000.00} of my money taken from my XXXX checking account, when I should have been credited with {$12000.00}. I am missing {$5000.00} of my money. It just disappeared. The people at my XXXX branch told me it is sitting in Coinbase 's merchant bank account with XXXX XXXX XXXX and that only Coinbase has the authorization to reverse the transfer. XXXX XXXX has given me trace numbers for each {$5000.00} transfer that was sent to Coinbase 's bank. They are : trace # XXXX and trace # XXXX I have called and spoken to a customer care rep and have only received emails stating they are reviewing my claim. It has been 4 months and it really feels like I'm being stone walled and ignored. I want my money back. It belongs to me and I never authorized for duplicated transactions to be sent. I have attached a copy of my XX/XX/XXXXbank statement which shows the money debited from my account. I can't even access my Coinbase account, I haven't been able to since this fiasco happened, so I can't even view any activity in anyway.

Company response to consumer: Closed with explanation