vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-15 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: CA

Complaint narrative:
On XX/XX/XXXX, i sent a requests to XXXX  and Transunion to have them investigate several inquiries that are listed on my credit report. My request was made because there are several inquiries that simply are not inquiries that I initiated, I requested as per the Fair Credit Reporting Act Section 604 ( a ) ( 3 ) ( a ), asking that they send me an application with my name on it in it's original form proving that I was indeed the one who initiated these request. On XX/XX/XXXX, I received correspondence from XXXX stating " inquiries are factual record of file access '' and each inquiry remains on my report. Upon calling XXXX on XX/XX/2018, the representative stated that he would not help me and that I had to try and have them removed on my own. I called Transunion on XX/XX/2018 and ironically was told by their representative the same thing using the exact same wording, I had also written XXXX asking for the exact same thing and they complied and removed every single inquiry that was listed because there was no proof they could produce that shows I initiated any one of those requests. Therefore, I am asking that you look into XXXX and why they would they me they could not remove something, that's clearly erroneous, from my report that they continue to report causing my credit score to drop and causing financial harm to me and my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Wells Fargo Card Services at the beginning of XXXX to have them STOP sending me statement stuffers with balance transfer checks. 

Once again, in the End-of-month XXXX billing statement, there was a balance transfer check. 

I had to call again. They said it could take up to two billing cycles.

This is the third. Then, they said it could take up to 60 BUSINESS days, which is a REALLY long time period. In the meantime, I'm subjected to potential fraud, if my statement is stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
On XX/XX/2018, I attempted twice to purchase {$100.00} in ETH from CoinBase.com. Both transactions were cancelled by the bank and while no digital currency was added to my account, {$200.00} was debited from my checking. {$100.00} was eventually returned to my account, leaving {$100.00} still owed to me. I have since contacted support and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their " USAA '' anything and thats why they can't validate these debts. Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
This account is from services that was not given too me but someone using my information.I had State issued Medi-Cal at that time and would not have been billed for any services.I have had State insurance since " 1985 '' and have continued today.I have ask for validation of this debt several times from this company whom has only advised me to contact the original creditor " XXXX XXXX XXXX '' which I have and they seem to be a very dysfunctional organization with little concern or corrective support.This collection company " XXXX XXXX XXXX '' has not been in compliance with FDCRA and I have not been able to get them to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have made more 3 types with Experian, XXXX and XXXX XXXX to update my personal address to my credit reports. They continued to denied my request. I also advised that any social security numbers that have listed to my account are to be removed and they have not compiled with request. Also, they are listing multiple contact phone numbers to my report. And I advised I have no numbers listed. I see that here you state not to list personal information in compliant as to have them update account. Please can you assist to have it updated and request to show updates to my report. 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 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: IN

Complaint narrative:
XXXXXXXX XXXX. Billed me for an account i never opened, including landline telephone service, when I don't even have a landline in my home. After many calls to XXXX they admitted they error and said they would fix it. I found a collection on my credit report to Experian, filed a dispute. XXXX is claiming it's valid and remains on my credit report. Again, I have never had nor will ever have any accounts or services with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: DC

Complaint narrative:
reply : i'am reporting a dispute against this company as fraud this account is not my account however it's very much incorrect this info also it's has been many complaints on this company on my credit report on this date XX/XX/2016 with this amount of {$940.00} this action was taken by this company : may action be taken?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: HI

Complaint narrative:
Payments to XXXX XXXX XXXX/Transworld : XX/XX/XXXX {$150.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$710.00} Total : {$990.00} This company had garnished my taxes last year on XX/XX/XXXX and I had made payments towards the balance due the previous dates listed above as well, but because of them charging me interest ( about XXXX $ ) every month, It had built up to the same amount balance I owed last year. Therefore I am just repaying the same amount I paid last year and the remaining balance due. Which is basically paying the total debt amount due twice instead of one time. Ive called the supervisor twice to resolve this issue and the company itself several times to resolve this issue but theyre saying even with me setting up a payment plan theyre going to charge me about XXXX $ a month anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I received an email earlier through XXXX XXXX was still working on the issue. At XXXX I received an alert there has been another change. Both accounts were settled same day with Sears not as reported by CBNA/SEARS through XXXX XXXX XXXX  for 3rd party disclosure adversely and drastically affecting my credit score within 15 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have made more 3 types with XXXX, XXXX, and Trans Union to update my personal address to my credit reports. They continued to denied my request. I also advised that any social security numbers that have listed to my account are to be removed and they have not compiled with request. Also, they are listing multiple contact phone numbers to my report. And I advised I have no numbers listed. I see that here you state not to list personal information in compliant as to have them update account. Please can you assist to have it updated and request to show updates to my report. 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: NV

Complaint narrative:
I have made more 3 types with XXXX, Equifax, and XXXX XXXX to update my personal address to my credit reports. They continued to denied my request. I also advised that any social security numbers that have listed to my account are to be removed and they have not compiled with request. Also, they are listing multiple contact phone numbers to my report. And I advised I have no numbers listed. I see that here you state not to list personal information in compliant as to have them update account. Please can you assist to have it updated and request to show updates to my report. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: MD

Complaint narrative:
I received an email earlier through Equifax Inc was still working on the issue. At XXXX I received an alert there has been another change. Both accounts were settled same day with XXXX not as reported by XXXX through Equifax XXXX Inc for 3rd party disclosure adversely and drastically affecting my credit score within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
XX/XX/XXXX - received email from XXXX that XXXX XXXX XXXX charged me {$3600.00}. Email stated card number was keyed in. I called American Express immediately and was told it would be taken care of. Charge was pending. I requested a new card and it was shipped to me. 

XX/XX/XXXX - Fraud Charge is now posted. I called American Express again and was told not to worry its being investigated. 

XX/XX/XXXX - Called because charge is still on my account. I was told they haven't done anything yet and they will investigate. They have no record of my second call and claim the charge as pending on my initial call so they couldn't get anything started.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was put in checking system in XXXX which I was not told buy bank of America I try to open a account on XX/XX/17 thay said I was in the system for overdraft my account I was advise that no reason to put me in the system. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
Hello, I've seen myself affected by the practices conducted at First Citizens Bank. An acquaintance who works at the bank advised me to open a new checking account for there was a promotion happening. I was in the market for a new account to consolidate my outgoing payments and manage may day to day spending better. However, the following weeks I had several issues sending payments out, receiving deposits, making online transfers etc. I was in touch with support many times but resolutions were never satisfactory. Furthermore the account began incurring a monthly fee three months sooner than the bank representative mentioned and for more than I had been advised. Uncomfortable with the new developments I found First Citizens Bank to be an unfit match for my necessities and the process to close my account was comiences and seen to conclusion. Fast track to several months later I receive a credit alert from services I hire that I was sent to collections. Further investigation showed that my lovely financial institution was asking for alimony from our past relationship. Please let me go, we weren't meant for each other. Thank you : )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: U.S. BANCORP
State: GU

Complaint narrative:
Date opened XX/XX/XXXX Original charge {$8400.00} Credit limit : {$11000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$11000.00} from XX/XX/XXXX to XX/XX/XXXX Loan type : credit card from US Bank XXXX, Ohio Message : I did not open any credit card from XXXX. It still reflect on my credit score. please help me to clear my name. 
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 non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc.
State: SD

Complaint narrative:
Lists six different accounts, so six different collection accounts listed on two major credit bureaus for one account they claim has a balance. They are unable to produce a written document to verify even one debt, let alone six.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: FL

Complaint narrative:
Transunion has a stated policy on rate shopping-copy enclosed. Multiple mortgage inquiries do NOT impact your score. I have 9 inquires. 5 of which are rate shopping inquiries over a short period. Should count as one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
To whom this concerns, I carefully viewed my credit report and seen that your company ran my credit without my knowledge. I would like for this inquiry to be removed from my credit report swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
XX/XX/2015 was original date of debt with att {$54.00}. Bill was payed shortly after becoming aware of it and has been removed from all other sources and collections. Was removed from both XXXX and XXXX  but showed back up on XXXX and is incorrect. Bill was payed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 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: FL

Complaint narrative:
To whom this concerns, I carefully viewed my credit report and seen that your company ran my credit without my knowledge. I would like for this inquiry to be removed from my credit report swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: CORELOGIC INC
State: FL

Complaint narrative:
To whom this concerns, I carefully viewed my credit report and seen that your company ran my credit without my knowledge. I would like for this inquiry to be removed from my credit report swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One had opened an account for someone in my name and I disputed the account but they refuse to close the account when I notified them I did not open the account. I tried to reason with them but they only wanted me to pay on the account. I was told that whoever had the account had made payments at times on the account and that the account would continue to be reported to my credit file. Therefore I ask what must I do to get it closed and I was told to pay the balance owed and than they could close the account, so I did. I have checked my credit file and the account is still being reported to my credit files all ( 3 ) credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Genesis Credit Management, LLC
State: CT

Complaint narrative:
Genesis Credit Management originally contacted me in XX/XX/XXXX. I disputed the charges and requested that they validate the debt on XX/XX/XXXX. I informed them on XX/XX/XXXX that I do not owe the debt they are attempting to collect, to cease contacting me, and take no further action ( attached ). Despite this though, they continue to contact me and reported the unvalidated debt to the credit reporting agencies. I submitted a complaint to the CFPB regarding further calls on XX/XX/XXXX, to which they never responded ( attached ). Subsequent to that they attempted to contact me again on XX/XX/XXXX and again on XX/XX/XXXX ( attached ). I have also submitted a complaint with the WA State Attorney General 's Office regarding the continued harassment about a debt I do not owe. I request that the CFPB compel Genesis Credit Management to cease communications and abide by the applicable consumer financial protection laws, which they continue to violate.

Company response to consumer: Closed with explanation