vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-20 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:
I spoke with Transunion 's consumers relations department on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX who stated I was not a victim of their inquiry issue and they refused to remove the false inquiries on my credit report. 

I know that the large amount of inquiries originated from fraudulent activity and have put a hold on my credit file with other bureaus as well as this one but still see inquiries coming through almost daily. The company refused to clear the inquiries and had the audacity to say I was fabricating the fraud when it has been proven with other fraudulent marks on my reports.

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 2018-07-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
l was traveling abroad and went to a restaurant/bar. The bill was high, but since this was in XXXX I approved a transaction for {$520.00} on XX/XX/2018. This charge never posted in my account. However, 8 charges totaling {$3600.00} posted on my account under a different name in XXXX XXXX XXXX, but with a merchant called XXXX. 

Citi fraud department gave me credit for the fraud transactions ( XXXX 's statement ), but they reversed the credits a month later arguing I had provided my card details to the merchant. ( Because I mentioned the transaction that didn't post ). They also said that even though the charges were for a place called XXXX ( which I never visited ), this business belonged to the same company that I went to, which name was XXXX and that's why they reinstated the charges. They also said I didn't reply to the investigator when he attempted to contact me. I didn't reply to a phone call that I found out was from the investigator, because it was not a call from a bank number. I searched this investigator 's number on the internet, and the description showed as a spam number and not an official Citi line. I did reply in writing and by email responding to the questions they asked. 

Since Citi fraud reversed the charges, the investigator referred me to the Billing disputes department, and told me they had to handle the case because they do not consider it fraud. Billing disputes was able to get a hold of copies of receipts of the transactions in question and asked me to provide a response about these receipts. I responded stating that the signatures in those receipts were not my signature. Not only they were not mine, but they were all different. Billing disputes said that since the signatures were not mine, this was fraud, and the fraud department had to credit me for the unauthorized charges. The correspondence from Billing disputes to Fraud department states I declared my card lost or stolen, which I never did. I said there were unauthorized charges. 

I have been back and forth with this two departments without a resolution. It says I am not liable for payments for unauthorized charges on my account, but Citicards is keeping me in a never ending loop that is not getting a resolution.

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 2018-07-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: MO

Complaint narrative:
I have been working to obtain a home equity loan with Discover Home Equity since late XXXX of this year. The process has been horrible from the start, but what really tipped the scales was on XX/XX/XXXX. I received an email from the " loan processor '' XXXX XXXX NMLS ID XXXX. In and of itself this was not unusual, but when I read the email I found that it had a salutation to a " Ms. XXXX '' and included creditors and debt amounts that were not mine. I quickly 'replied all ' and advised that the information was not mine, but was never acknowledged. 

Emails go unanswered, voicemails go unreturned ... 

I DID call in today and advise Discover to cancel/withdraw my application due to their unprofessionalism and inability to secure financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
Back last Tuesday ( XXXX-2018 ). XXXX XXXX was in contact with a what she thought was a company to help get her credit up to get a vehicle. So she was in contact with s lady and they got access to the mobile app on the account. they deposited a check and told XXXX XXXX to pull cash out and send back and it will help raise your credit. so she did. that's when i found out this happened and changed my accounts immediately and had new ones opened. USAA said they had there fraud department look into the issue and said that there was no fraud that happened. which is obviously wrong. XXXX XXXX filed a police report and that number is as follows : XXXX and was filed with XXXXXXXX XXXXXXXX PD. They told her that that was the second case this week and she filled that on monday. They have now told her to file it with XXXX county also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: VA

Complaint narrative:
I have contacted Equifax after contacting 3 creditors that are showing on my credit that I did not authorize as inquiries. I informed Equifax that the inquiry was fraud, and the creditors have agreed to delete from my credit file. The creditors said that they have sent electronic Communications to the bureaus, but Equifax is saying to me they have not received it. It has been 2 months. I have gotten a credit file update on today in the mail from Equifax saying that the inquiry will remain. I called and was told they have not received any Communications yet from the other parties. I spoke to the creditors twice and they said the information was sent and that they have always had issues with Equifax. 1 inquiry from XXXX has already deleted from the other bureaus, but not Equifax. All of the inquiries include XXXX, XXXX and XXXX. The creditors have even sent me letters verifying that they have agreed to delete from my credit which I sent to Equifax. However Equifax is saying that they can't accept it from me although they allow documents about other things. I've had to put a fraud alert on my acct due to recent unauthorized use of my credit information and they know this. I also have 4 student loan accts that are showing as duplicates. They all are listed as XXXX XXXX. If someone can assist me in this matter, I would greatly appreciate it. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I have disputed this several times with no validation and no way I owe this. I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
I had phone with XXXX they shut off stating I owed them thousands of dollars for charges I didnt owe they shut your phone off if you dont pay one months payment, I had phone in about XXXX this is XXXX and they are on my credit report for XXXX dollars they have been on my report for 15 years there is no way I owe XXXX dollars they shut my phone off and I should only owe for one months payment not XXXX dollars how can I owe so much if you are late one month they shut your phone off they are trying to ruin my credit and charge me for an outrages amount of money that there is no way I could owe XXXX they dont let anybody charge thousands of dollars to there account if you dont pay your bill every month they shut it off and they have been on my credit report for about 15 years changing collection agencys to do so please help me get this stopped they do same thing to thousands of other people too, Ive disputed this for years so Im filing this complaint to try and get this matter resolved thanks for your help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX.

3 XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX 9. XXXX XXXX 10. 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 non-monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery Services operating in XXXX XXXX XXXX, UT reported outstanding medical bills to the credit bureaus in early XXXX. I never received any contact from original creditor or from the collection agency. They have violated FDCPA 809 ( a ). I found out about this when I pulled my credit mid to late XXXX. When I called Express Recovery Services to get more information I was told over the phone that if I didn't pay I would be sued. I requested a pay for delete from my credit report, but they have not removed this from my credit. It is listed as Paid with still negative impact on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
I contacted Hunter Warfield for the 2nd time ( letter dated XX/XX/2018 ) asking them to validate the debt from XXXX XXXX. 
All they sent me was a statement of account ( copy attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
To whom it may concern : I would like to submit a complaint against Experian. I received an email this morning ( XX/XX/18 ) from Experian stating that my credit score had increased ( attached ) and upon logging into my account to review, then saw an alert that stated my score had decreased by 15 points ( screenshot attached ), with no  explanation. I attempted calling the customer service number listed for Experian ( XXXX XXXX, and can not for the life of me understand the representative on the line. The language barrier is so incredibly horrible it made it almost impossible to have a conversation and to obtain answers to the questions I need to be answered regarding my credit report! Upon calling back a second time, I spoke to a XXXX XXXX   who could not explain to me why my score had dropped, in fact, she stated that she did not see any reason why my score would have dropped. The only explanation she could offer is that she has seen where peoples monthly scores just fluctuate which is totally unacceptable. Per Experian alerts showing on my online account, XX/XX/XXXX my score increased by 10 points, XX/XX/XXXX I received an alert that my credit card issuer ( XXXX XXXX ) raised my credit limit, and then XX/XX/XXXX my score decreased by 15 points. This is fraudulent and Experian needs to be investigated. I have worked SO hard to get my credit score up and to have this happen and to receive no explanation for why is a complete slap in the face and no one should have to go through this. Please let me know next steps on processing this complaint and advise if there is any further information needed to process. My next step will be to acquire legal representation to address this. Thank you in advance for your support.

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 2018-07-20 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: Credit Protection Association, L.P.
State: FL

Complaint narrative:
on XX/XX/2018 I signed up with XXXX XXXX for 3 bundle TV, phone calls overseas and internet service of XXXX. on XX/XX/2018 this service was connected to my resident without XXXX and they gave me XXXX instead. From day one I was  not happy at all with the system specially with the international phone calls which none of them went through and made daily phone calls to XXXX about it and they absolutely did nothing about it.therefor I gave up and disconnected my service with them and returned all their equipment back to them.Now I am getting {$290.00} charges from XXXX XXXX XXXX XXXX for the terrible service that I only had for 6 days! I have been calling this agency to dispute these charges since I received the first notice of {$290.00} and they are running me around to XXXX and XXXX  sending me back to collection agency and I can not get any answer from either one. Today I spoke to some one by name of XXXX XXXX at collection agency and rudely after I said I will report your company if you can not help me to resolve this matter and ruin my credits after XXXX years of age, then she said " well in that case since you are threatening us I am going to close your account and send it back to 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 2018-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This is regarding my BOA Visa Card - XXXX. We frequently receive this very attractive offer for 0 % offer cash for a set amount of time. 

We take advantage of the offer, and still want to use the visa card that ends in -XXXX for purchases, knowing that I have to pay ALL purchases off every month form the prior months statement, with some of the Cash offer being carried for the term. 

Often, Bank of America Visa calculates interest on purchases which is not disclosed as part of the 0 % Cash offer. See attached statements and Letter to BOA regarding paying 100 % of our purchases and NOT carrying balances at all for purchases, in fact we pay off some of the cash offer borrowed earlier. 

We only ask for what's fair and in their favor appears to be {$84.00} that needs to be returned. We no longer use the card for purchases and we think that Bank of America should advise that customers who take cash advances not use their card for purchases unless they want to be charged interest. It does appear to be a mistake, as other credit cards that we have 0 % cash offers with with purchases being made & paid off every month have not had this issue. 

The Advertising offer mentions nothing about using the same card for purchases. Please see attached.

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 monetary relief
Consumer complaint received 2018-07-20 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: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX

3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX  2. XXXX XXXX

3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX  9. XXXX XXXX 10. 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 2018-07-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
This is my 2nd CFPB complaint for the very same problem. 
My prior complaint XXXX was closed with a promise of a full resolution by the company representative XXXX with Ref XXXX. 
The request has just gone to dust and Google still doesn't respond to any of my email. 

Description of the problem : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have purchased Google XXXX  Gift cards worth {$2000.00} from XXXX XXXX in XX/XX/XXXX with an intention of buying Google Devices from the XXXX website. I called the Google XXXX Customer service and they informed us that I can not use XXXX XXXX credit to buy hardware. However, it was in the same call, the rep informed me that she could redeem all the cards on behalf of us and they would try to request for a refund or keep the funds in our account. I told the customer service rep that we would give the card details only if she can assure a refund and the rep was very optimistic and made us believe that she can get the refund for us. If I were informed of any possible problem, I could have avoided disclosing the gift card details and we could have kept all the cards with our self. So, right after we gave the gift card information, they have limited my access to our account " XXXX '' and all these days, I have been communicating with them and doing frequent follow-ups about the status of the gift cards. Every time I call the XXXX customer service, they would point me to the Google wallet team who blocked my account. So my calls get transferred to the Google Wallet and they would come back asking me to upload verification documents and someone would follow-up with me. Since XX/XX/XXXX, I have uploaded the requested verification documents numerous times and have called them more than 50 times and every time I call in, my call gets transferred to numerous departments talking more than an hour with no outcome. More than 50 emails were exchanged between me and Google  XXXX, Google Wallet and Google Commerce requesting for reinstating my account so that the Google XXXX could refund my money. For over 15 months until XX/XX/XXXX, all I was being told is my Google Wallet account has been closed and Google XXXX being linked internally to Google Wallet, I can not use my Google XXXX funds. I don't really care for the Google wallet and all I requested was to refund my money. I am tired of contacting them again and again and I have wasted so much of my time in my life. The last time I have contacted them XX/XX/XXXX and since then I completely stopped contacting them as I became very busy with my school work. At my work place I was advised to contact CFPB and then try to reach small claims. Today I am contacting CFPB to hope I would get some reprieve in getting my blocked funds back. I would appreciate all your help in this regard. 

Thanks, XXXX

Company response to consumer: Closed with explanation