vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
The company name : IC Systems INC has purchased a debt that doesn't belong to me with a balance of {$1600.00}. They are reporting this on my credit reports as a collection I owe them. My identity has be stolen completely and they are aware of this. They have a sign affidavit on file from me from others identity theft things. I need this off my report! It is not mines. This has negatively impacted my credit score and  me closing on my first home.I have no problem signing anything affidavit if they need it. I just need this off now.

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 2019-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
NCC Business Servicef is attempting to collect a debt that does not belong to me. They have reported this to my credit profile in which has negatively affected my credit score in a tremendous way. Please remove this. This isn't mines

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I lived in apartments for 3yrs. Always paid rent on time and kept apartment clean. Every 4 to 6 months we had a new manager. I am XXXX yrs old an a good tennant. I could pay my rent on the XXXX with my XXXX XXXX XXXX pension check. They raised rent and the manager let me pay in 2 payments when I got social security check. He didn't charge me late fees. Very kind of him. They new mgr came. She was mean an vicious. She started charging me those late charges. My lease was coming up and iI wasn't renewing. They knew i was moving. I paid everything I owed and ask them to show somewhere that I owed nothing. The apartments I was moving to needed to know that. This was XXXX XXXX. My lease was actually up. So I have copy of ledger page an it says I have XXXX balance. They in XX/XX/XXXX I get letter from rent recovery saying I owe XXXX. No reason or what it was for. So I called an they sent charges to my email. I can't believe this. I did not do any of this. I'm not taking this. I can see clean up. I didn't clean oven or mop floors. I did have a deposit when I moved in XX/XX/XXXX. They no right tovdo this to people. If this doesn't come off my credit I can't get approved for a 1 bedroom apt . my lease is up here XX/XX/XXXX. My son an I share 2 bedroom. I got ta go. But if I don't get this off my credit I won't have anywhere to live. My credit is hurting enough. I use to have XXXX credit score. Bad husband. Please believe in me. People are so bad. How do I send these documents to you. Thank you so much for helping me. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. I received the attached letter from Wells Fargo, I am requesting that I do not get any phone calls and to communicate in writing only on this matter. They make mention of an account ending in XXXX and while I do have Wells Fargo accounts I do not have one ending in XXXX. I never had nor called to close an account ending in XXXX. Please see the attached letter from Wells Fargo.

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 2019-03-07 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:
Equifax is reporting a hard inquiry on my report for XXXX XXXX XXXX dated XX/XX/2018. 
I have not applied to any credit for XXXX XXXX XXXX. 

This inquiry is due to stolen identity or other matter not involving me. The following address is not a valid address according to the USPS and the phone # is disconnected. 

Please remove this false XXXX XXXX XXXX hard inquiry from my credit report immediately - this is lowering my credit score! 

INVALID ADDRESS and DISCONNECTED PHONE # for hard inquiry : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX - MT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: CO

Complaint narrative:
On XX/XX/19, I was trying to use the https : //experian.com web site to determine the status of my credit information ( locked/frozen ) because a creditor wanted access, and I was unable to use their site to see my status, or change it. I couldn't get in to their system, or use " forgot user ID '' process to get in. I called the listed phone number, and the system is totally automated, with no option to speak to a person. I found the experience totally inaccessible.

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 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
My car is financed through XXXX  XXXX, my payments have been paid on time, never outside the " grace period '', but Ally continues to call me almost daily, at home, and at work, and sending me collection letters ( by people who don't speak English ), stating my payments are " late '' Per my credit reports, ALL my payments are current, however my credit score has dropped 100 points in the past month! At one time my XXXX report reflected a " late '' payment by ALLY!! 
I am sick and tired of being harassed by these people! 
I have written to them, the XXXX XXXX XXXX, The Attorney General and to yourself in the hope that someone can help me with this awful company! 
I pay my bills on time and take pride in my credit score, there must be some way to stop this company 's harassment.!

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 2019-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I purchased bitcoin {$500.00} worth off of coinbase on XX/XX/2019 for a total price of {$510.00} which had a {$10.00} fee assocaited for the transaction. The money was taken out of bank account via ach on XX/XX/2019. I then wanted to send the money to someone via a direct transfer. I was informed by coin base I couldnt send my money until a 10 day business hold had taken place. Which I find unreasonable because the money was taken out of my account. As you know the price of bitcoin flucuates daily. I bought it to send right away, not to hold for 10 days. I then called them an explained my funds had been taken out of my account, and I would like to send it. They told me I couldnt, but said I could sell it and then buy it back when I wanted to send it. This would allow them in charge me two more fees!!!!!! Imgiane how much money they can have on hand to manipulate the market if they do this.  They could have miilions of dollars they have taken out of accounts to easily by and sell to manipulate prices. They told me they couldnt refund my XXXX or even my fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was discharged from chapter XXXX bankruptcy in XX/XX/2018, there are multiple accounts showing incorrectly on my Equifax credit File XXXX XXXX XXXX autoloan-showing open with late payments, should be showing included in bankruptcy XXXX XXXX XXXX autoloan-showing open with late payments, should be showing included in bankruptcy XXXX XXXX Credit Card, showing charged off with an open balance of {$4200.00}, should be showing included in bankruptcy XXXX XXXX XXXX-collection account showing open, should be reported as closed or removed as I am not longer responsible for this account as it was included in bankruptcy XXXX XXXX XXXX-collection account showing open, should be reported as closed or removed as I am no longer responsible for this account as it was included in bankruptcy XXXX XXXX XXXX-collection account showing open, should be reported as closed or removed as I am not longer responsible for this account was it was included in bankruptcy I have disputed these accounts multiple times which has resulted in no change. These accounts should be updated to show closed included in bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 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: NC

Complaint narrative:
In XX/XX/2018 I pulled and reviewed my credit reports and I noticed that many fraudulent accounts were listed on them. I desperately need these fraudulent items removed.

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 2019-03-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Transunion pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.

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 2019-03-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Equifax pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
Apparently Aargon " bought '' this in XX/XX/XXXX per my credit report. 

I do not recall seeing any notification from them and definitely did not speak to them about any issue or claim. My first knowledge of them was seeing a debt collection on my credit report, which was reported in XX/XX/XXXX. 

The prior collection agency never provided me any correspondence after I asked them to verify the debt as it is not valid well over a year ago. The file should have been closed. 

I believe Aargon consciously and unscrupulous violated the Fair Credit Reporting Act by not giving notice ( as they know from the file the debt is not validated ) and reported to the credit bureaus.

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 2019-03-07 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: NC

Complaint narrative:
In XX/XX/2018 I pulled and reviewed my credit reports and I noticed that many fraudulent accounts were listed on them. I desperately need these fraudulent items removed.

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 2019-03-07 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: NC

Complaint narrative:
In XX/XX/2018 I pulled and reviewed my credit reports and I noticed that many fraudulent accounts were listed on them. I desperately need these fraudulent items removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim.

Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq.,  remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.

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 2019-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: WA

Complaint narrative:
This issue is related to a breach of contract for services not rendered by the merchant and a cancellation of those services under the contractual cancellation policy included in their agreement they refused to provide under the contract handwritten at XXXX XXXX in XXXX XXXX WA,XXXX as you can see in the contract attached it provided XXXX cases of bottled half liter size water every delivery and the documentation refers to see reverse for more info and the reverse page is not included. The company refused to honor the bottled case of water included in the contract but later said that was a promotion and sign on bonus one time only. Also you can see by the invoices provided that they never delivered those bottles of water. The cooler has been available for pick up for nearly 5 years at the same location and no one seems to want it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
I had told the rep to quit calling me and that the debt owed was from 8 years ago and once I was caught up with my bills and debts plus a student loan I would consider paying back the XXXX I owe. 

They somehow got a hold of my private landline I only use to make calls to pay bills over the phone and to contact my family out of state. So not only have they been recently contacting me on my cell but now my home phone. 

I called back the number on my landline and told them once again to quit calling me or id have them reported but now I feel that its no bother to them and for all these last 2 reps ive spoke with their ENGLISH was horrible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have requested from transunion XXXX XXXX Copies of XXXX copy And current copy of XX/XX/XXXX I have had identity theft registered with the FTC and confirmed by the office of the comptroller for currency. 
I need the above copies as requested since XX/XX/XXXX And XXXX and XX/XX/XXXX To assist me in recovering

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 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have requested from XXXX EXPERIAN XXXX Copies of XXXX copy And current copy of XX/XX/XXXX I have had identity theft registered with the FTC and confirmed by the office of the comptroller for currency. 
I need the above copies as requested since XX/XX/XXXX And XXXX and XX/XX/XXXX To assist me in recovering

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 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
XXXX XXXX refused to send a bank statement in XXXX, we sent a {$30.00} payment. When I called to make a payment on XX/XX/XXXX they refused to accept payment on my sons account, and they said that they had to talk to him. They have talked to XXXX on numerous occasions. They would not accept. Therefore, XXXX faxed information authorizing me to get information on his account, he also gave me money to pay on his account, because he doesnt get the print statement out of the mail, I get them. They have not been able to tell us why they tampered with the 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 2019-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened an account with Simple ( an online bank ). They sent me a debit card and asked me to fund the account. I deposited {$2000.00} in the account and started using the debit card. One or two days later, they froze my account and ask me to submit sensitive documents online ( picture of social security card, bank statements, etc. ) I said that I was not comfortable doing so and would like to close the account. They replied saying that I can not take any action before verifying my identity. Two years later, the funds are still sitting in the account and I have no way of withdrawing them. 

tldr ; funded an account only to have my money frozen for more than two years with no way to get it back without uploading a copy of my social security card online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: Monterey Financial Services LLC
State: IA

Complaint narrative:
This company is reporting constant late payments on my account, however the account is not mine whatsoever, I called and spoke to them and told them they were reporting incorrectly, they then told me they were going to continue to report anyways. I asked for the original documentation and contract that was supposedly mine and they emailed me a blank pdf file with some non-sense written on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation