vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA Bank opened several fraudulent accounts in my name by someone who stole my identity. I have made USAA bank aware that these accounts were opened as a result of fraud, but they have done nothing to resolve this matter. They are reporting to XXXX XXXX XXXX agency that I have had derogatory accounts with them, when I in fact have never had any accounts with USAA Bank. I was the victim of identity theft in 2010 and every since then I have had multiple bank accounts, credit card accounts, and other accounts established in my name by the person who stole my information. I have contacted USAA bank multiple times and made them aware of this situation but they have done absolutely nothing to resolve this. They continue to ignore my requests to remove these fraudulent accounts out of my name, and continue to defame my character by reporting this fraudulent information to XXXX XXXX XXXX when they know and have been told in writing, and by phone that these accounts are fraudulent. 

XXXX XXXX has also been made aware that these two accounts were fraudulent but they have done nothing to resolve this matter either. They tell me to contact USAA Bank, and I have done that countless times, but it is them that is reporting this fraudulent information to other creditors that is causing me not to be able to open accounts in my name. XXXX XXXX XXXX has informed me that they will not stop disseminating this fraudulent information unless USAA Bank tells them not to. 

Both USAA Bank and XXXX XXXX are complicit in defaming my character and ruining my ability to obtain banking products in my name due to these fraudulent accounts that were opened in my name with out my knowledge or permission. They have both been informed of this matter and neither of them have been willing to assist me in removing this fraudulent information from my names and this constitutes a violation of the laws that govern credit reporting. 
1st. ) Routing XXXX Account Number XXXX 2nd. ) Routing XXXX Account Number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DE

Complaint narrative:
To Whom It Concern, I recently received a copy of my credit report ( XX/XX/2017 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thanking you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
1. XXXX and XXXX collection company posted a {$XXXX} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter. 

2. This account by XXXX is not mines and I have filed complaint with FTC and Attorney General of Texas..

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 2017-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
COINBASE. last week my ability to buy Digital coijs was shut off. I have been able to buy for over 3 months. When I first reached out to Coinbase I did not get a response. I then sent a second request as to why they disabled my ability to buy to which I recieved a generic response. 
XX/XX/2017 | XXXX PDT XXXX replied : Hello, A manual review has determined that you are not eligible to use the Coinbase platform to purchase digital currency. Were sorry for any inconvenience that this may cause.
We regret that we are not able to supply you with any additional information.
Please note that we have not blocked access to any balance currently in your Coinbase account. While we can no longer process buy orders via our banking relationship, you may withdraw these funds at any time. 

Again, I apologize for any inconvenience this has caused you. 

So they have no real reson but just because ... they did this after asking me to upload my bank records my id and my ssn information ... it is very uppseting to deal with these hassles after complying with all request

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
To Whom It Concern, I recently received a copy of my credit report ( XX/XX/2017 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thanking you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX 2017 I was alerted by one of my credit monitoring programs that some new information had been added to my credit reports. When I logged onto the website, it showed that a collection account had been added by a company named XXXX XXXX in the amount of {$1800.00}. I immediately disputed this with all 3 credit buearu 's online and both XXXX and XXXX  deleted the account. Experian claimed they had verified the account. I spoke to customer service and asked them to provide me with documentation on how they verified the account according to FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ". The representative stated that there was no law and they did not have to provide me with anything but he would enter in another dispute. The second dispute came back as being able to verify the account again. I contacted Experian and spoke to a representative and informed her of the situation and she agreed to enter another dispute and gave me the website address to upload documents to prove I paid the debt. I did this and waited. After a week or so, I was sent a letter stating the debt again had been verified and they will not delete the account. After that, I filed a complaint with the BBB and a representative from Experian named XXXX XXXX sent me a letter stating she that the account in question did not show on my credit report and she would be investigating the matter further. I tried contacting XXXX XXXX multiple times and she does not answer the telephone and I have left numerous messages. I have provided proof that this debt was paid in full ( I actually overpaid ) via copy of my grandmother 's credit card statement and Experian refuses to delete this account from my credit report. I have been denied credit based on this and my next step is to file a small claims action in order to get Experian to do the right thing and fix their mistake.

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 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
1. XXXX and XXXX XXXX XXXX posted a {$310.00} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter. 

2. This account by XXXX is not mines and I have filed complaint with FTC and Attorney General of Texas..

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 2017-09-08 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: MN

Complaint narrative:
Equifax has announced a major data breach. I followed the process on their website, equifaxsecurity2017.com, which promised a message telling me whether my data had been compromised. I received no message, only instructions to return to the site in a week, when I could enroll in their credit monitoring service. I tried the phone number provided, and was on hold for about 10 minutes, then I received a message telling me they had too many call, and that I should call back later. Then the system hung up on me. There is no email address provided for inquiries. It seems I can not reach them, and I can not find out whether my data was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Suntrust Bank opened several fraudulent accounts in my name by someone who stole my identity. I have made Suntrust bank aware that these accounts were opened as a result of fraud, but they have done nothing to resolve this matter. They are reporting to XXXX XXXX XXXX agency that I have had derogatory accounts with them, when I in fact have never had any accounts with Suntrust Bank. I was the victim of identity theft in 2010 and every since then I have had multiple bank accounts, credit card accounts, and other accounts established in my name by the person who stole my information. I have contacted Suntrust bank multiple times and made them aware of this situation but they have done absolutely nothing to resolve this. They continue to ignore my requests to remove these fraudulent accounts out of my name, and continue to defame my character by reporting this fraudulent information to XXXX XXXX XXXX when they know and have been told in writing, and by phone that these accounts are fraudulent.
XXXX XXXX has also been made aware that these two accounts were fraudulent but they have done nothing to resolve this matter either. They tell me to contact Suntrust Bank, and I have done that countless times, but it is them that is reporting this fraudulent information to other creditors that is causing me not to be able to open accounts in my name. XXXX XXXX XXXX has informed me that they will not stop disseminating this fraudulent information unless Suntrust Bank tells them not to.
Both Suntrust Bank and XXXX XXXX are complicit in defaming my character and ruining my ability to obtain banking products in my name due to these fraudulent accounts that were opened in my name with out my knowledge or permission. They have both been informed of this matter and neither of them have been willing to assist me in removing this fraudulent information from my names and this constitutes a violation of the laws that govern credit reporting.
Account Number XXXX Routing 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 2017-09-08 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In my USPS delivery on XXXX XXXX, XXXX I received two unsolicited letters from Synchrony Bank XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. They are almost identical. They both start " Thank you for your recent credit application with ... '' One continues with " XXXX XXXX XXXX '', the other with " Lowe 's. '' Thy direct me to call their office at XXXX XXXX XXXX XXXX. 
The problem is there were no recent credit applications originated by me or any one in my household. I 'm XXXX XXXX XXXX and have never shopped at XXXX XXXX-I 'm not the right demographic! 
This is more than an unwanted credit offer, by implying I originated an application, it is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
mI have contacted Early Warning by phone and by mail and made them aware that they are continuing to report fraudulent information against me, and I have informed them that the accounts that they are reporting were as a result of identity theft. Early Warning has told me that they do not care that they will not stop reporting this information unless the banks themselves tell them to not report this fraudulent information. I tried to explain to Early Warning in Writing and by phone that this was fraudulent information and that these accounts were opened when my identity was compromised in 2010, but again they have told me they are not concerned. I have sent them requests to delete this fraudulent information by phone and by certified mail and they have ignored my requests. I have made them aware that they were defaming my character and they were ruining me financially by continuing to report these fraudulent accounts and they have again told me that they refused to stop reporting this fraudulent information.
The fraudulent accounts they are reporting are the following : XXXX XXXX Routing Number XXXX  Account Number XXXX XXXX XXXX Routing Number XXXX Account Number XXXX XXXX XXXX Routing Number XXXX Account Number XXXX The above accounts were opened in my name using my correct personal information fraudulently and Early Warning refuses to do anything about it but to continue defaming my character by disseminating information they have been told was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX pulled my credit report. Found a XXXX XXXX account on it that did n't belong to me. Disputed it with Equifax. Came back verified within days. I called XXXX XXXX XX/XX/XXXX. They verified it was not my account, sent me a letter that I forwarded to all 3 bureaus. XXXX and XXXX removed the account. Spoke with a rep at Equifax who told me that I was not allowed to send into letters as proof it has to be from XXXX XXXX. I told her the letter was from XXXX XXXX. They mailed me the letter as proof the debt was not mine. She politely told me too bad. Terrible service. This is my credit and mine and my family 's future and to havevan account that is reporting negative in my account that is n't mine is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
The company has reported that I have a collection account with them that was opened XXXX XXXX, 2013 ; however, at that time I did not live at a residence that had power in my name. I have repeatedly asked for verification of this debt, but none has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent documentation to the three credit bureaus to remove XXXX XXXX XXXX from my credit report along with a letter from XXXX XXXXt. The file was not removed from Transunion.

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 2017-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I was in a accident on XX/XX/XXXX where my car was totaled. Because of this my insurance paid XXXX off of the loan on. There was a small amount left XXXX dollars left. I was contacted about the amount by Credit Acceptance which I told them they would be paid but I would need a car to get back and forth to work right away then I would pay them off afterward. 
I did asked if they could add the amount on to the loan with the new car if not I would have to get car first then pay the remaining balance off soon after. Honestly I could have waited for the settlement from the accident to pay it. It was almost paid off years ahead of time at 23 % interest. 
Even though I let them know of the accident they have called several times in a week sometimes in a day. They know the situation of me having been out of work for 2 months on doctor 's orders and even though I went back to work I would have to use my pay for the first couple of weeks to buy a car for work. 
We went to get a car XX/XX/XXXX and we have found out that they sent the balance to collections even though I have paid all the way up to the accident and then the insurance paid most of the balance. 
Credit Acceptance has been paid almost all of the loan except for maybe the interest by XXXX XXXX XXXX. I feel as a first time credit purchase this company has tried to strong arm into paying off the total balance despite the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
There were 2 Transactions i did not approve back a couple of months. I only use this card when i rent rental cars and onstar. I thought i was paying off a rental car i got, but then all of the suddent i got 2 charges from a pet hospital. I do not even own a pet ....
I have tried to reach out to Citi multiple times but they are not letting me know what the status is. I just want my account credited while the look into this.
Date : XX/XX/XXXX andXX/XX/XXXX Amounts of {$1700.00} and {$870.00}.

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 explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax credit reporting agency have inquiries on my report i did n't authorized. 
here are the unauthorized inquiries XXXX -XXXX XXXX XXXX XXXXXXXX XXXXX-XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation