vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I opened Santander Simply Right Checking account # XXXX on XX/XX/XXXX. <P/>There was a promotional offer for a {$150.00} bonus for making a {$500.00} direct deposit within 90 days and keeping the account open for 90 days. I met those terms. <P/>I was denied the bonus in a letter from Santander on XX/XX/XXXX, citing that I had closed a previous account on XX/XX/XXXX, and that the terms of the offer said I was not eligible because I was " an account owner within the last 12 months of the new account opening. '' That is not what the offer terms were, however. They stated : " Offer is not available to current or former Santander customers who opened a Santander checking account between XX/XX/XXXX - XX/XX/XXXX. '' I did not open an account in that time period. <P/>I expressed this to Santander customer service in secure messages and via phone to no avail, and spoke with the Corporate Compliant Manger over the phone a few weeks ago and did n't hear back. They say that the offer was not eligible to anyone who had an account within the past year of opening a new one, but the actual offer terms clearly and plainly say only those who " opened '' one in that time period were ineligible.

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 2017-07-11 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: IN

Complaint narrative:
In  XXXX  of  2017 , I noticed that there was a tax lien showing on my credit report. I immediately contacted the state of South Carolina, who it was showing filed the lien. They filed an expungement with the court house and sent me the documentation stating that it had been expunged. I then filed with all   XXXX   credit bureaus to have this removed from my record. Equifax is the only company that refused to remove it from my record. After receiving information that they would not be removing it, due to their investigation, I called Equifax on  XXXX   XXXX ,  2017 . I was told over the phone, on a recorded phone call, that this would be completely removed from my record. However, over 30 days later, it had not been removed. I then made a second call to Equifax on  XXXX   XXXX ,  2017 . On this phone call, I was told that I should have never been told it would be removed. I even spoke to a manager. I was told to write a letter and submit my evidence again. On  XXXX   XXXX ,  2017 , I submitted a letter to Equifax, along with the expungement letter from the state of South Carolina. On  XXXX   XXXX ,  2017 , I received a letter from Equifax stating that they still would not remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: GA

Complaint narrative:
I have three things listed under derogatory marks that I need removed and working with Equifax has been to no avail. I have two public records ( Account Numbers XXXX and XXXX ) that need to be removed. I do not owe these balances. I have contacted both XXXX XXXX and the corresponding courthouses and they confirmed with me that Equifax did not contact them to confirm or dispute this information. When I submitted an FCRA Prodcedure request on X/XX/2017 they did not respond. I send that letter certified and faxed it as well. Also, there is a collection account under the name of XXXX XXXX XXXX for a balance of XXXX. I am not responsible for this debt, as it is a worker 's compensation case. I have already cleared this information with both the original creditor and my previous place of employment. However, Equifax refused to remove it from my report and continues to reflect inaccurate information. There are also twelve ( 12 ) inquiries listed on my credit report that are scheduled to fall off within the month, only one of which was actually authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11 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: United Consumers Inc
State: VA

Complaint narrative:
United Consumers, INC is a thir d party that opened on my credit on   XX/XX/XXXX , for {$460.00} I never entered into a contract for services with, they have put themselves on my credit report dropping my score, I have disputed them in  XX/XX/XXXX  in  hopes of seeing proof of any contract they hold with me entering into services for payment and they have yet to provide it. They are still on my report and it has been under dispute for 3 months with no changes. I have never entered into a contractual agreement with this company, and they will not be able to provide any agreement between them and I, so its unfair to stay on my credit report after a 3 month investigation.

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 2017-07-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Last Monday  XXXX   XXXX , Chase bank decided to close all  XXXX  of my credit cards.  XXXX  business, and  XXXX  personal credit cards. The personal credit have been opened without 2 years and the business for over  XXXX . Never have I missed a payments, overspent half the credit line or took adavantage of any points rewards system. I am a model customer with no problems. Matter of face I have been with  Chase si nce Washington Mutual. Like I said never been late, missed a payment or abused or over used the credit lines. I had a credit line of {$120000.00} approximately with a balance of {$4500.00} total which has since been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: GA

Complaint narrative:
I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on XXXX XXXX. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, and a rental history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: GA

Complaint narrative:
I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on XXXX XXXX. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, and a rental history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.

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 2017-07-11 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: LEXISNEXIS
State: GA

Complaint narrative:
I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on Lexis Nexus. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, and a rental history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: CA

Complaint narrative:
my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the three credit Bureaus, ( XXXX, Transunion, XXXX ) I contact XXXX XXXX but they could not trace any information. neither they would able to help me the issue please refer to credit report attach

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11 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: VA

Complaint narrative:
I have complained to equifax and XXXX in the past about this issue and no credible investigation was ever done and it is my belief that title 15, chapter 41, sub chapter 3, section 1681c-2, subsections a and b were violated as defined under the United States Code! I have filed all the paperwork I was required to, opened a case with my local police station, and informed equifax and XXXX of an identity theft issue. Under the code, it states that equifax and XXXX are required by law, to block the information within 4 business days of the first notice, and I have sent many along with 300 different documents relating to this issue to prove that both the debts from XXXX XXXX XXXX and XXXX or XXXX XXXX or whom ever the second company wants to be called, were not mine. Equifax and XXXX are in violation of this code because they never blocked the information that occurred as a result from identity theft, even after multiple companies removed their information after finding my accusation of identity theft credible and even XXXX found my evidence credible and blocked XXXX and XXXX XXXX XXXX from appearing on their report. <P/>Now subsection C does give Equifax and XXXX the authority to remove a block and put the information onto my report if they can reasonably determine that there is an error in my request to block the information. This section can not be claimed in this matter as first, they never blocked the information within the 4 days as required by the US code. Second, there is no way they can reasonably determine that there is an issue with my request as I am the only party who has offered any evidence that my identity was stolen and Equifax and XXXX themselves have admitted that they do not request and proof from the company that requests to put damaging and false information on my report. After reading the US code, I am demanding equifax and XXXX block XXXX XXXX XXXX and XXXX from my report until they are willing to provide the information that can reasonably contradict mine or I demand the CFPB hold Equifax and XXXX in violation of the previously stated United States Code that was voted into law by the United States Congress. <P/>I will add that Equifax and XXXX should have all my previous evidence on record and it is their fault if they do not, ignorance of the law is no excuse for violating the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
X/XX/17 I received a phone call from Transworld collection services regarding an unpaid med bill from XXXX XXXX XXXX in XXXX NJ. I have not been to this doctor in 2 years nor have I ever received a bill. <P/>Transworld wanted my dob and ssn as well as address. I did not give this information. I advised I would call the doctors office. <P/>XXXX advised that I had a XXXX balance and that they were having problems with Transworld. I was advised that I was the 100th patient calling that morning. <P/>Today I got another call from Transworld. This time I asked for a supervisor. I advised him that I did not owe any money to XXXX and that XXXX had advised that they were having issues with Transworld. I told him to call XXXX to straighten this out. He advised that he needed my ssn ( last 4 ) and dob to resolve this. I refused to give it to him and told him never to contact me again as I owed nothing. We went back and forth for a couple of minutes before he agreed to take my number out of their call log.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Harmon Law Offices, P.C.
State: MA

Complaint narrative:
My debt has not been properly calculated. My Right to Cure letter is incorrect. The calculated debt is not accurate. XXXX, it 's servicing agents, XXXX and Harmon Law Offices, are in violation as well.

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 2017-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
I applied for a mortgage at the beginning of this year with  XXXX   XXXX . I had an issue with my credit report that I was unaware of. I apparently had  XXXX  outstanding  XXXX  accounts amounting to {$740.00} that I do not owe. I 've never had a landline or cell phone with  XXXX .   XXXX  On my credit report, it states  XXXX  account was opened on   XX/XX/XXXX   for a  XXXX   XXXX  for {$590.00}. Then,  XXXX  {$150.00} opened o n  XX/XX/XXXX .    XXXX  When I called  XXXX , they gave me an account number associated with the account :  XXXX . But they told me they could not help me resolve this issue since the account had been sold to a third party collection agency.    XXXX   I started seeing a financial  counselor  to help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted Transunion about this several times to no avail. I have a public record reflecting on my report ( XXXX ) that was removed and then placed back on my report. I did not receive any kind of notification that it would be placed back on my report. Furthermore, it is inaccurate. This tax lien is not mine. I have contacted both XXXX XXXX and the XXXX County Court House and they confirmed that they have no records of Transunion contacting them to verify this information. I also have XXXX hard inquiries reporting ( XXXX XXXX and XXXX ) that are for the dates of XXXX XXXX, 2015. I did not approve these credit inquiries. While car shopping, even though I already had secured a loan, the dealership ran my credit without my approval.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11 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: AmeriCollect
State: NY

Complaint narrative:
I started contacting the company asking for validation of this debt letter dated XX/XX/2017 the collection company wrote back say that the debts are being validated XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I sent a letter back to them asking for an update on my validated debts because it had been past 30 days and i have n't received an update. On XX/XX/XXXX they sent a letter deeming my request for validation as irrelevant and frivolous. They had already started the investigation gave me no information to prove this debt was valid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I have requested validation from this company and was sent a statement but still no signed legal instrument of indebtness with my physical signature. This company also updated information with the credit bureaus while this account was under investigation. I have attached statement that I was sent as well as the information and dates showing that this account was updated with the credit bureaus during the investigation

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 2017-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2017, I made two transactions. Both were selling Bitcoin. Both were for the same amount of {$140.00}. I received one deposit to my XXXX XXXX for {$140.00}. I never received the second amount of {$140.00}. I have sent coinbase over 10 emails. I had one replies from bot emails, but not one person has attempted to help fix my issue. I have copies of the transactions, and screenshots also. I have attempted to contact them via XXXX and have received NO replies. I want my {$140.00}. Coinbase has been growing to fast and cutting corners. They claim they have too many people submitting problems, but its been exactly one month and I have yet to have them contact me to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: NY

Complaint narrative:
I have a  XXXX   XXXX  account on my credit file that does not belong to me. I have disputed this account for many years as a case of identity theft. It was removed by all CRA except Equifax who has been doing a shoddy investigation or nothing at all. Equifax kept putting this derogatory item on my credit report regardless of the fact that   XXXX   XXXX   can not substantiate this claim that I ordered anything from them.  Below is the way they posted the record on my Equifax file. If the account was closed and charged off in  XX/XX/XXXX , why is it been charged off again in  XX/XX/XXXX ?    I believe Equifax is more interested in messing up people 's credit profile than helping them correct erroneous entries.   I have recently contacted   XXXX   XXXX   again with a completed identity theft form notarized and mailed to them. Please, I need help with Equifa x 81-Month P ayment History Year XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   Back to TopBack to Top

Company response to consumer: Closed with non-monetary relief