vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a account listed on my credit report that is not accurate from XXXX XXXX XXXX XXXX XXXX # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review.

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 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a account listed on my credit report that is not accurate from XXXX   XXXX XXXX XXXX XXXX # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: CA

Complaint narrative:
Dear all, I need your help as my credit score is keep going down without knowing why this is happening. I tried to access my credit scores to no avail. Can I get them and check what is the cause of this decrease?

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 2019-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Circle Internet Financial

Complaint narrative:
Poloniex deducted my XXXX account by 16 % following a loss amongst margin traders which resulted in them defaulting on their loans ... as a result Poloniex made up this loss by taking 16 % from every users account. See link below : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I co-signed, with my then husband, an unsecured line of credit in XXXX with what is now JP Morgan Chase Bank. Not once during the past 20 years did that bank or any subsidiary ask for for any credit information or updated financial statements from either my ex-husband or me. 

They NEVER verified that entire 20-year time period whether my ex was solvent - no request for tax returns, financial statements, proof of income - NOTHING. 

I kept current with my own personal line of credit and paid it off in XXXX. Despite a certified divorce decree specifically ordering that my ex pay off his own line of credit, the bank went after me for the full amount of {$77000.00}. I reluctantly settled and paid them {$38000.00}. 

Had this bank followed federal regulations and demanded credit info over the past 20 years, they would have learned a lot sooner that my ex was insolvent. They waited until he died to go after me for his past due amount. They should have NEVER kept extending his unsecured line of credit note for 20 years without financial updates!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear all, I need your help as my credit score is keep going down without knowing why this is happening. I tried to access my credit scores to no avail. Can I get them and check what is the cause of this decrease?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
My XXXX XXXX account was compromised and unauthorized wire transfer was made using my husbands debit card for a joint Suntrust Bank Account. I have since filed a police report and am working with Officer XXXX Badge # XXXX in regards to the charge. The information has been forwarded to XXXX XXXX at fax # XXXX Attn : XXXX XXXX. I was a victim of identity theft by a 3rd party and should not be held liable. According to XXXX XXXX, my Bank should be refunding me the unauthorized charge which Suntrust has denied because it seems like there seems to be a miscommunication between the two companies and neither company wants to be held responsible. 
Please see attached correspondence with XXXX XXXX and the police report.

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 2019-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
Received a call from a Mrs. XXXX who stated I owed a certain amount for a recent dispute with a former landlord. She said she was collecting a debt, I asked for a fax number as I wanted to validate the amount of the debt as it sounded inflated. She stated NCS doesn't have a fax number, so I asked for a mailing address which she provided me a P O Box. I asked for a mailing address to overnight the dispute but she failed to provide me the proper information so as I may dispute the amount in question. Further, her tactics on the phone were bullying and stalling and placing me on hold without my consent. I am complaining about the tactics being utilized of putting me on hold without asking, taking extended hold times, not providing me the proper information to accurately and confidently request a validation of the debt, not providing me the proper channels to request the validation and to feel comfortable that the information would be provided is accurate. I am not certain if the phone call was recorded or not but it was never explained to me that it was, which I would always forbid and would not take a call that was recorded. I told Mrs. XXXX since there was no fax or mailing address that I would request verbally to have the calls stop but she just stopped talking and put me on hold. I later explained to her that this was something in dispute because the company didn't preform any maintenance that was satisfactorily completed, for the entire time I lived in the apartment, even though I have arthritic knees and needed to have the dishwasher working, it didn't work for over 2 years. She had no interest in helping me validate this debt but just wanted to give me a P.O.Box and no other information when it comes to being able to adequately validate this debt. I would encourage the CFPB to call this company and take a sample of how their operators act and talk on the phone and you will immediately see the bullying tactics being used to try and collect debts that are not being properly validated when in dispute. Further, during the call, no information was provided to me to help me navigate the debt in question, no account numbers, tracking numbers, etc. I have no idea what these people are talking about other than it was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Hello! 

I tried in XX/XX/XXXX and then again today to get a copy of my credit report and put a freeze on the account. In XX/XX/XXXXit was online ; today it was over the phone. 

In XX/XX/XXXX I received my credit report from the other two major agencies - XXXX  and XXXX ; I had no problem what-so-ever and placed a freeze on my accounts. 

Late last week my wallet was stolen containing my credit cards, bank card, driver 's license, and other id. I tried yet again today ( XX/XX/XXXX ) to get my Equifax credit report and place a freeze. Even after speaking to a manager, NO ONE WOULD HELP ME. 

I gave them my home address - XXXX XXXX XXXX, XXXX XXXX CO XXXX -associated with my credit card, but they would not help me. Neither rep tried to verify me. They both said, " we can't help you at this time. '' By the law, I am entitled to one free credit report each year, but Equifax is refusing to assist me. Their customer service is also atrocious. The manager made a racial reference. 

Is there anyone who could help me? 

Thank you and kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have been a member of XXXX XXXX XXXX for a number of years and have a VISA card with them. I recently received a letter that stated on XX/XX/19 their cards were being switched over to Elan Financial Services. The letter stated I could " opt out '' of the transition if I chose to do so, and needed to contact them by XX/XX/19. The letter went on to recommend I check if I had any rewards points on balance before closing the account and to cash those points out before XX/XX/19. Tonight, XX/XX/19, I contacted the customer service number on my recent bill and was told by Elan services my current credit card with XXXX has a XXXX  balance and a new card has been issued to me. I did not authorize Elan or XXXX to do this and in fact was calling because I want to opt out of the transition. I have a balance transfer check I want to send from my new credit union and place on their new credit card. Elan further stated on the phone that if I closed out my account tonight I would lose all rewards points and suggested I check my point balance before proceeding. I hung up, went to my rewards site, logged in as usual and a message appeared stating " Cardholder does not participate. '' I then called the number on the back of my CC, found my point balance via the automated menu, and then proceeded until a XXXX person answered. After explaining this whole mess, the XXXX customer service person stated " they had jumped the gun '' on the transition. This all violates what is stated in their letter about this transition and I consider it a breech of contract. What recourse do I have to a ) get back my reward points?, b ) stop a credit transfer to Elan, a company I do NOT want to do business with?, and c ) make a clean break with both XXXX and Elan without it impacting my credit? Any help you can offer will be greatly appreciated!!

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 2019-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX., I applied for a credit card from CITI Card ( Application ID XXXX and was rejected because of an incomplete application ) proceeded to remove a freeze I had placed on my information and called the credit card Co. , then they procured the the credit report. Credit report showing a Beacon Score of XXXX. 
Baffled by a new rejection called and I was told that I had been late on payments on the year 2000. 
I don't remember being late but since then CITI Card has issued 3 credit cards to my name and these credit cards are paid in full upon statement date required, so it makes no sence, also aren't they to take into consideration only 7 years? 
It is impossible to talk to a human being.

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 2019-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ALLIANT CREDIT UNION
State: MD

Complaint narrative:
Alliant Credit Union decided to close my account and take {$15.00} from my hard earned balance for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: IL

Complaint narrative:
Experian investigated a Bankruptcy case reporting on my credit report. They sent me the results of the investigation which resulted in the deletion of the item on XXXX. The dispute was closed out. They then in return reopened the same dispute and inserted the item on my report and didn't notify in writing within 5 business days per FCRA 611 ( 15 U.S.C 1681 ) Section 5 subparagraph A. 

I demand for this item to be deleted as I have previously provided that the third party agency they claim to receive their verification through has no records of said item on file.

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 2019-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
Radius global I called and tried to square away my situation with them and they got very rude with me so I also got rude

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

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 2019-06-10 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: MD

Complaint narrative:
I recently disputed an erroneous account on my credit reports in late XX/XX/2019 that does not belong to me, I've been disputing this account with XXXX/XXXX XXXX XXXX XXXX for over a year. On XX/XX/2019 I was alerted via credit monitoring that the account was removed by Transunion, on XX/XX/2019 the account was magically re-inserted by Transunion ... 3 days later. wow ... .I 've reached out to XXXX requesting documentation on this account as well as Transunion , and have yet to see anything. Transunion has violated Section 609 ( A ) ( 1 ) ( A ) as well as Section 623 ( A ) ( 3 ), Of the FCRA .Wow re-insertion of the account with no notice or Explanation. My Attorney has all my paperwork and is preparing my legal situation with all parties involved. I will also be requesting full punative damages ALLOWED IN MY STATE. The FTC is also aware of the constant problem I have been having with Transunion/XXXX. Its very sad that We as consumers have to go through such things as this, and im quite sure im not the only 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 2019-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Assured Financial Partners
State: IN

Complaint narrative:
Last week XX/XX/XXXX and XXXX of 2019 I received a text saying I needed to call bc I had an important matter that needed resolved. The next day I didnt answer and they called my ex husband who I have no communication with looking for me and it was for a debt that was 10yrs old to XXXX XXXX XXXX. They said I owed 4x the amount I owed and if I didnt pay a judge would order me to pay and I would end up paying XXXX thats 12x what I owed. They wanted payment now or id be going to court. Company is XXXX   XXXX XXXX XXXX XXXX supposely

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

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 2019-06-10 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: TX

Complaint narrative:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened account in XX/XX/XXXX, made 3 deposits of XXXX, total amount XXXX, left the money in for 60days, this should have qualified and was also confirmed by customer service to meet the {$500.00}. Savings bonus offer ... .called two months ago and they said need to be 60days, then within 90days after u would receive bonus ... here we are almost 7 months later and nothing has been added to the account ... XX/XX/XXXX statement

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 2019-06-10 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: CA

Complaint narrative:
i have been disputing three unauthorized accounts on my equifax credit file, these three are not mine, i have been telling to equifax for many months, but they have not been helpful, please find attached my police report in this regards an d have equifax remove these inaccuracies thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Someone have opened a account in my name using my social security information. They bank it was opened at was Wells-Fargo bank. I attained a copy of my credit report and seen that it was open. This account is fraudulent and my identity was stolen. Someone have opened this account without my permission. I did not allow anyone to open this account and I did not open this account. This account was not opened with my permission. I did not know that it was opened. i have filed a police report.

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 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX of 2019, XXXX XXXX sold my mortgage to Specialized Loan Servicing. 
Before the loan was sold I owed XXXX XXXX XXXX in charges due to an attempted foreclosure in three years ago. I challenged XXXX XXXX in there assessment of these fees and they investigated the charges. I accepted their charges. Now since my loan has been sold, they say those charges are XXXX, XXXX almost three times the amount on the XXXX XXXX loan. I had SLS ( Specialized Loan Servicing ) investigate those charges and they came back and said no that is what you owe. I have XXXX XXXX statements saying that is what I owed, and now I have SLS telling me no that is not correct. You actually owe over XXXX. Then during the process of transferring my loan, some of my payments went to XXXX XXXX and instead of sending them onto SLS like they stated they would, my loan payments were late and so SLS charged me over XXXX dollars per late payment. I think this is unfair practice on both their parts. I want the CFPB to investigate why I must pay more to SLS than what XXXX XXXX said I needed to pay, and why my late charges were not taken off by SLS.

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