vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XXXX  XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX   XXXX, XXXX, GA XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: Midwest Recovery Systems
State: CA

Complaint narrative:
Midwest recovery systems all of a sudden appeared in my credit file. Company stated that I owe an online advance from XXXX!!! Never had shown up until XX/XX/XXXX. I called company and they refused to verify social sec # or any info to prove it belonged to me. I was told that I would receive a packet " fraud affidavit " and to fill out and return. I never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Uber Technologies Inc.
State: FL

Complaint narrative:
Early in the morning on XX/XX/2019 my phone was left in an XXXX after a trip. Because I do not have a phone, I am unable to log into the app to connect with the driver myself, due to the 2 step verification a text must be sent to my phone in order to access the account. As a result, it is impossible for me to access any information about the trip. When contacting XXXX, they have hung up on me and refused to help me. They keep directing me to automated services who proceed to ignore me.

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 2019-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
Hi, My debt was sold by XXXX XXXX XXXX , XXXX to XXXX XXXX XXXX , XXXX. I managed to find their contact information through the XXXX  ( XXXX XXXX XXXX ) and called repeatedly with no answer and no call back even though the voicemail promises a call back within 24 - 48 hours. Through more searching on the XXXX, there have been numerous complaints about XXXX XXXX XXXX. XXXX published on their website that XXXX is under investigation and has not been compliant. Their website is not credible and there is no other way to get to them. I am devastated by this experience as a person that is trying to improve my credit / financial situation ; because this is the same situation as XXXX XXXX XXXX , XXXX, I am inclined to think that this is a scam of some sort / I don't owe this debt. I am seriously questioning the validity and credibility of these two companies. I honestly did not think it would be this difficult to pay something I owe. 

Please refer to this link to the XXXX regarding XXXX XXXX XXXX XXXX XXXX XXXX If you're able to help shed light on this situation, I would greatly appreciate it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've been a customer of Wells Fargo since 1996. For many years, I've had an account that reimbursed my non-Wells Fargo ATM fees. All of the sudden, my fees are not being reimbursed and no explanation or indication of these change in account benefits has been given to me. I emailed customer service twice and all they did was respond with a generic copy and pasted response. I'm very upset that Wells Fargo has decided to make my account worse and not even tell me. This definitely qualifies as an unfair/deceptive act/practice.

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 2019-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: AZ

Complaint narrative:
I am not sure what this debt is and they wont give me information on it, I have called so many times and cant get a hold of anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion along with the other two reporting agency are using predatory practices on my credit reporting, two times this week i have been denied credit once on my home insurance and the other trying to refinance my home, i have always paid everything on time never been bankrupt and have plenty of equity to qualified and an annual salary over {$100000.00}, i also been a victim of credit fraud reported by all 3, apparently this reporting agencies do not care about the well bean of the citizens of this country I'm XXXX years old work all my life, serve in the XXXX XXXX XXXX paid my taxes but apparently there is something wrong with the system, just because a few points on my credit score i can't qualify for anything all 3 reporting agencies have 3 different numbers, please somebody help me in how can i deal with this predators.

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 2019-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I applied for a XXXX credit card ( Chase Bank ) through the XXXX website when making a flight reservation, advertised was a {$100.00} statement credit and no annual fee for the first year. All of a sudden there was a {$450.00} annual fee charged - outrageous for a credit card annual fee - so on XX/XX/XXXX. 2019 I called Chase, was told it was for an annual fee, they could remove it and close the account. I asked about the {$100.00} statement credit and was told it would be on the statement when it was generated. I chose to close the account and have them refund the the {$450.00} annual fee. The statement came, no {$100.00} credit, so on XX/XX/2019 I again called Chase. I was told that offer was on the XXXX " XXXX '' card and I got the XXXX " XXXX '' card and that offer was a XXXX bonus miles offer. I seldom fly, why would I apply for that and not the {$100.00} statement credit. I would never have opened another credit card account just for bonus miles and a {$450.00} annual fee!!! When I asked why I received a " Club '' card rather than the " XXXX '' card I applied for, they blamed it on the XXXX website and that I would have to talk to them. Chase bank refused to do anything for me, just wanted to say it had nothing to do with them, it must be the XXXX website. I have never been so frustrated that a bank refused to stand behind what they offered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA numerous of phone calls regarding the reporting of my credit the last time they reported something to the credit bureaus was XX/XX/XXXX and we are now in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX the XXXX. of 2019 the debt collector entered my Savings Account in the Bank of America to withdraw {$170.00} approved by a judge. After he withdrew funds allowed by law, he and The Bank of America decided to wipe out my saving account entirely by authorizing themselves to issue bogus fee ( NON-REFUNDABLE PROCESSING FEE ) of {$120.00} My account balance is now {$0.00}.

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 2019-03-16 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: CO

Complaint narrative:
On XX/XX/2019 Equifax deleted several negative items on my credit report. On XX/XX/XXXX 2 months later they reinserted these same negative items back on to my report. 

XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Equifax is supposed to notify me within 5 days of reinsertion and they have failed to do so. 

I have attached the law stating they are required to do this. I have not received anything stating that they were going to reinsert this on to my credit report. I demand Equifax remove these items or legal action will be taken against them for reinserting negative items on my report without the 5-day notice. I have attached copies of the reports showing the removal date and the date they were reinserted. I have also attached a copy of what the fair credit reporting act states about reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
My account was compromised on XX/XX/2019. I reported this promptly to Wells Fargo, and there is a XXXX XXXX charge on my account that was not made by me. The charge is {$600.00} dollars. This low funds caused my account to go into negatives and when I made a withdrawal, because the system went into negatives after this happened also caused a {$35.00} dollar fee. I have tried resolving this through the phone, and the associate told me that there was conflicting information given, and I gave my pin to someone. I've talked to the merchant XXXX XXXX and they said there is nothing they can do, and that the person that used my identity made an online transaction and not a face to face one. Also, no one knows my pin. It is disgusting to know that this company only protects consumers when they want to, and their fraud liability is complete lies. I let the agent over the phone know that I reported this to the FTC, and she said she didn't care and that I had to try to resolve this with the merchant. I am requesting a credit for the fraudulent activity on my account of XXXX XXXX, and the {$35.00} fee. Also, when I talked to the agent over the phone the first time, she mistakenly included additional transactions on the fraud claim that made it about {$720.00} dollars, and when I was talking to her I told her I didn't remember exactly, and I don't know who took my card, but how is that conflicting information? This is so disgusting. Also, I would like to close my account after this is resolved please

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 2019-03-16 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: VA

Complaint narrative:
Have a collection on my Equifax credit report from XXXX XXXX. This bill has been paid directly to my physician 's office, and I was told that this balance brings my account current, and that nothing has been submitted to collections. I have never received a collection letter or phone call, plus I have no signed agreement with XXXX XXXX stating that I owe them money, and I am not going to write someone out a check with no agreement in place, otherwise I could just say that you owe me money, and if you say " no, I don't '', then I could put a collection on your credit report. I don't think it is suppose to work this way. I have tried numerous times to file a dispute, and Equifax refuses to correct this mistake. In fact, I get their " dispute has been completed '' e-mail within just a few hours of submitting a dispute, so how are they even taking the time to look into this? This collection is only for twenty-couple dollars, so believe me, if I thought I owed it, I would pay it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I received a letter on XX/XX/XXXX stating i owed XXXX XXXX XXXX {$140.00}, from Lanier Collection Agency & Services. I responded back, late, on XX/XX/XXXX requesting information supporting the claim. To this day I have never received a response from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I had money taken from me from my account through TD Bank and the bank refuses to look into this claiming that the account was supposedly purged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: FC HoldCo LLC
State: TX

Complaint narrative:
On XXXX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. They responding saying they do not have this information, and is still will not removing the inquiry. This company is NOT being complaint with the FCRA. This is a violation.

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 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAX HAS NOT REMOVED AN ADDRESS FROM MY CREDIT REPORT THAT IS FRAUDULENT AND I NEVER LIVED THERE. IVE CALLED THIS COMPANY AND SENT DOCUMENTS FOR PROOF OF ADDRESS AND STILL THE ADDRESS WHICH IS XXXX XXXX XXXX XXXX NEW YORK IS STILL LISTED ON MY CREDIT REPORT. MORE RECENTLY I SEE THAT THERE IS AN INVESTIGATION IN PROGRESS FOR EACH ONE OF MY CREDITORS ON THE CREDIT REPORT AND I DID NOT DISPUTE ANYTHING ABOUT MY CREDIT ACCOUNTS. I ONLY DISPUTED THE INCORRECT ADDRESS BEING LISTED. THEY STILL HAVE NOT REMOVED THE XXXX ACCOUNT THAT IS NOT MY ACCOUNT THAT IVE BEEN DISPUTING SINCE XX/XX/2018. IM SICK OF THIS COMPANY AND THEIR PRACTICES IT SHOULD BE ILLEGAL WHAT THEY DO TO CONSUMERS. I HAVE NEVER LIVED AT XXXX XXXX XXXX XXXX NEW YORK.

Company response to consumer: Closed with non-monetary relief