vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-08 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: BANCO POPULAR DE PUERTO RICO
State: IL

Complaint narrative:
In XXXX, I applied for a XXXX XXXX Rewards Card through Banco de Popular Puerto Rico. They accepted me and gave me a {$9000.00} credit limit. I made a {$1200.00} balance transfer and was charged the 2 % fee. I was then informed if I made a purchase of any amount, I would receive {$100.00} credit on my statement. 

A month later, I got a letter stating the account was closed but was given no reason. I contacted both XXXX XXXX and the credit card company numerous times. I started with one phone call to XXXX XXXX. They transferred me to the credit card company. First the credit card company told me they don't have a reason and I should call back in a week. Then the second time I called, they said there still was no reason. I demanded an answer. They told me they would put in a request to find out. The third time I called back, I was told it was " bank policy. '' I wanted to know what the bank policy was. They had no answer or reason. I called back the fourth time after the new year and was told it was bank policy and that was the only information they have and will ever have. 

Furthermore, after I made a purchase using the card, they gave me the {$100.00} credit THEN removed it. 

This inquiry affected my credit report. 

Despite the fact that I have good credit, I am EXTREMELY upset. I had planned to use this card for another balance transfer and will now be " dinged '' again in my credit report when I have to apply somewhere else, which will bring down my score again. 

Also, they put the full credit card number on the statement they mailed, which I find extremely unsafe. 

Please look into this and let me know what can be done to resolve this issue. Thank you!

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 2020-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Equitable Acceptance Corp
State: CA

Complaint narrative:
THIS COMPANY HAS CALLED ME NUMEROUS TIMES ABOUT A DEBT THAT I DON'T FEEL I SHOULD HAVE. THEY SAID I SIGNED A CONTRACT WHICH I DID NOT. THEY SHOULD REMOVE THIS DEBT, THEIR EQUIPMENT HAS BEEN RETURNED UN OPENED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
At the time of my original complaint to the creditor, XX/XX/2019, I had been contacted nearly ten times since XX/XX/2019, a span of a little over a week. They have since contacted me several more times. I never answer these calls as my phone carrier has flagged them as spam. Each time they call, sometimes multiple times a day, they leave voicemails that are over ten minutes long. This practice is not only annoying, but illegal as per the Fair Debt Collection Practices Act ( FDCPA ) 1692-1692p.806.5, which defines harassment as " causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' At this time, I am disputing the debt collection practices this company employs as it is harassment, requesting debt validated, and taking the matter up with original creditor, should I be provided with their information in a timely manner. I will take legal action if need be. 

Since my original complaint, this creditor has illegally reported this debt on my credit report. They have never provided a written notice of the debt, which is illegal under FDCPA, and failed to respond to my initial complaint within thirty days, which is also a violation of the FDCPA.

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 2020-01-08 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: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
This is my third complaint regarding XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a letter indicating that the medical debt they reported on my credit file would be deleted. A few days after, I received notification that it was removed. Today, XX/XX/XXXX, the trade line has been added back to my credit and caused a 40 point dip in my overall score. This trade line needs to be deleted immediately as it is affecting my ability to purchase my home. I've attached the letter for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
would like to bring your attention to a serious issue I have with COINBASE wires that first took place on XXXX of XXXX XXXX have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. The funds were transferred utilizing COINBASE 's services in the total amount of XXXX GBP I would also like to point out that on XXXX XX/XX/2019 - I filed a dispute with COINBASE. 

COINBASE 's response was to TOTALLY IGNORE their responsibility they did not even provide a formal answer to my complain, they simply sent an automated email that the case is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
In XXXX of 2019 my auto lease was paid off by my insurance company due to my car being totaled out. The leasing company has not updated the credit report since XXXX of 2019. Right now my report still shows that owe over XXXX dollars on a lease that was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 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: PA

Complaint narrative:
I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XXXX on this account with XXXX/XXXX but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus Experian, XXXX, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.

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 2020-01-08 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: Consolidated Information Services Solutions, LLC
State: IL

Complaint narrative:
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull 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 2020-01-08 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: IL

Complaint narrative:
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX  and Equifax refuse to unfreeze my credit. I need to apply for credit now, not in 2 week when they get around to compromising data that I have to " snail '' mail to them. 

The fact that I can't get a representative on the phone to work with me is egregious. These companies make money hand over fist and then hold my credit hostage. The federal government needs to severely regulate them. Lastly, the government should make them work together so that a credit unfreeze/freeze would be a SINGLE action, not getting jerked around by 3 different companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account.

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 2020-01-08 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 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: IL

Complaint narrative:
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX  AND XXXX  AND TO MY AMAZEMENT, SAW THAT THERE ARE FRAUDULENT ACCOUNTS HAVE BEEN REPORTED IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION APPEARS ON MY CREDIT REPORT, I DID NOT MAKE OR APPROVE OF THESE TRANSACTIONS. THIS HAPPENED BECAUSE OF IDENTITY THEFT. THERE ARE TWO ACCOUNTS ARE OPENED UNDER MY NAME : XXXX PERSONAL LOAN ( ACC NO : XXXX**** ) AND BANK OF AMERICA ( ACC NO : XXXX**** ). I SENT A POLICE REPORT TO XXXX  BUT XXXX    REPORTING AGENCY DID NOT REMOVE THESE FRAUDULENT ACCOUNTS

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 2020-01-08 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-01-08 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: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I have 3 {$30.00} charges for a medical bill I was paying ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). It took some time but I was able to be approved for financial assistance, which includes refunds of amounts that have been paid. The hospital that is to issue the refunds is not responding to my requests. In order to preserve my billing dispute rights, I sent a letter via postal mail with all backup information to American Express on XX/XX/2019 I tried to initiate the billing dispute online and was not able. I received a message online that I did not provide enough information for a billing dispute. I sent the information again, with more detailed explanations, on XX/XX/2019, again in postal mail with delivery confirmation. I have received a message that I have not provided information to initiate a billing dispute. 

As American Express will not open a billing dispute, I am not able to move forward. Whether or not American Express agrees with the information I sent, the FCRA requires them to do the billing dispute and then we can fight about whether it's sufficient. So far, American Express will not open a billing dispute, upon my request with backup information. 

I have attached the letters I've sent to American Express, and their last response. I included the backup information of statements, bills, payments, financial assistance letter with the letters to American Express. I did not include the backup information, as I am agreeing to this information being made public.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 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: ONEMAIN FINANCE CORPORATION
State: IL

Complaint narrative:
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
Outsource Receivables # 1XXXX*****XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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 is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.

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 2020-01-08 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: FL

Complaint narrative:
I noticed that there are multiple accounts and collection account reporting on my credit report along with manny inquires that i did not authorize most of the items have been removed due to fraud but there are still some items that are reporting falsely on my credit report when i have disputed it a few times please help me resolve this issue i filed an FTC report stating which accounts where Related to fraud and which inquires as well and i sent it in to all three bureaus on XX/XX/2019 i was told that they have 30 days to responded but they have not responded to everything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: UT

Complaint narrative:
XXXX XXXX  # XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.

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 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian and XXXX  refuse to unfreeze my credit. I need to apply for credit now, not in 2 week when they get around to compromising data that I have to " snail '' mail to them. The fact that I can't get a representative on the phone to work with me is egregious. These companies make money hand over fist and then hold my credit hostage. The federal government needs to severely regulate them. Lastly, the government should make them work together so that a credit unfreeze/freeze would be a SINGLE action, not getting jerked around by 3 different companies!

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 2020-01-08 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: CCS Financial Services, Inc.
State: UT

Complaint narrative:
XXXX # XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation