vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Below are the names of people and/or organizations who have obtained a copy of my Credit Report without my knowledge. Per your companys request I have contacted ALL of the below companies and have heard nothing back. Upon researching a solution as these inquiries were not initiated by me, I found that Section 611 of FRCA says you can request the method of verification from the reporting agency ( your company ) and if such agency doesnt have legal validation : documents provided bearing my signature where I applied for credit from the below companies, or showing that I have a legally binding open account with the company, then such reporting agency must delete the file/inquiry. 

When I called XXXX XXXX, disputes for all of the below accounts were initiated and no prevail has happened. In accordance to Section 611 of FCRA, I have the right to request the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the inquiry in which your company spoke with during your investigation ( automated response or e-oscar verification is unacceptable ), yet your company has yet to furnish to me how you have concluded that these inquiries are valid. On my credit file there is a fraud alert and fraud police reports, yet your company is still allowing the pulling of my credit without myself being notified prior. My statement even states to call me prior, nonetheless unauthorized after unauthorized inquiry is happening almost daily.

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 2017-12-14 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
WELLS FARGO DEALER SERVICES PROMISED TO REMOVE ALL HARD INQUIRIES FROM ALL CREDIT REPORTS, ESPECIALLY XXXX DATED XX/XX/2016

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 2017-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I was shopping for a car, the dealers told me that they will do soft inquiry but after a week it appeared as hard inquiry and my credit score went down. while I was reviewing the inquires I found also other inquires that I did n't authorize and even if they should be soft inquiries.

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 2017-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX PROMISED TO REMOVE ALL HARD INQUIRIES FROM ALL CREDIT REPORTS, ESPECIALLY TRANSUNION DATED XX/XX/2016

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 2017-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
This year I just went through a divorce and I found out my name was stuck on one US Bank credit card with a XXXX balance that was owned by my ex-husband way before we marry. I knew in the middle of the marriage XXXX XXXX XXXX ) he added me on the card as an authorized user but I never seen the card or used the card myself, ever. Later this year after the divorce is finalized, My ex-husband called them to remove my name off the card because it stated on divorce decree that this card belongs to him and he 's to pay it off. At this time the bank told him I was added as an " co-appliant '' and they wo n't remove my name unless the balance on the card is paid off and the account is closed. I know splitting mutual owned accounts/credit cards is common in divorces. But this is absolutely not the case. Because I did n't authorize my name to be added into his old credit card as an " co-appliant '' or " joint owner ''. As such process should be happening when both parties apply for a card at the same time. The card was not closed ( still got balance on ) when he added me, not a new credit card account was issued at the time I was added, there was not a credit limit increase by the time I was added. Plus I was a stay at home mom when my name was added. I had no income. Most importantly, I DID N'T sign anything. This year I requested to them to send me a copy of anything I signed in XXXX XXXX, they could n't provide any documentations. How could my name simply be added as " co-appliant '' if I did n't apply anything?? How does this make sense? I do not know if my ex husband was committing fraud by making fraudulent signature for me, which I 'm guessing not the case. Because all I remembered was he made a phone call. There 's no paper involved. Not even an email asking for my signature. I DID NOT authorize my name to be added into his old card and this big bank corporation simply did n't care or try to be reasonable to investigate and give me an answer.

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 2017-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ERC
State: FL

Complaint narrative:
Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1300.00} High Balance {$1300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I have sent three certified mail in regards to two accounts that they are reporting on my file XXXX XXXX as well as XXXX Bank that are not mine and were more than likely opened fraudulently. I asked that they provide me with proof of me opening these accounts IE a copy of my ID and SSN card that is required when opening an account and they have yet to proved me with this information only sending copies of the account that was opened.

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 2017-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Company appeared on my credit XXXX without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. 
When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. From my credit report I see the original creditor is XXXX, however I sued XXXX and won as they were unable to furnish proof that the accounts they were attempting to collect on were mine as my social nor signature matched their files. I would advise this company to cease collection and remove ALL reporting from my reports as I have obtain legal counseling due to the selling and buying of a discharged fraudulent debt.

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 2017-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We refinance our home with XXXX XXXX XXXX on XXXX 2017 and our old mortgage with Chase was paid off on XXXX XXXX 2017. On XXXX XXXX we called Chase Mortgage to see when would theyll be sending the money from our escrow account back to us for the amount of {$1800.00} dollars, they said we were only getting {$690.00} back because {$1200.00} dollars out of the {$1800.00} dollars were sent to the XXXX XXXX to pay for the property taxes which it didnt make any sense since our new mortgage with ( XXXX XXXX XXXX ) paid it already. XXXX XXXX has told us they are sending the money back to Chase by the first week of XXXX. That means Chase should give us our money before the end of XXXX not in 3 months. The right thing is for Chase to refund our money now since this was their mistake and since they have done nothing but lie to us and give us the run around, even their letter from the XXXX of XXXX says we will receive our money with in 10 days of closing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: A.R.M. Solutions, Inc.
State: TX

Complaint narrative:
I am receiving a call regarding a Pest debt of {$130.00} ( approx ). I do not have a debt with this Pest Company. I have repeatedly informed the Debt collection company XXXX  and also confirmed with this Pest Company. I have also contacted all credit bureaus to ensure I do not have any negative impact on my credit. I DO NOT HAVE THIS DEBT. I am unsure how to make them stop. But they are harassing me. 
Last call was XXXX at XXXX. I informed them thank you for calling but there is a misunderstanding and I do not have a debt. They got rude and hung up the phone. 
I contacted the pest company explaining. Response : " You do not have a debt, we are sorry let me try to have a manager call and get this removed '' NOTHING gets removed. Nothing happens.

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 2017-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN FINANCING CORPORATION
State: CO

Complaint narrative:
I was turned down for a refi by XXXX XXXX a XXXX XXXX XXXX at XXXX XXXX XXXX in the beginning of XXXX. XXXX told me to keep my credit score up and in XXXX of XXXX I should call her and she would get the refi starting again because that is when I would have 12 months of on time payments. I called XXXX on XX/XX/XXXX and reminded her she said I would be good in XXXX to get the refi with cash out. I send in all the paperwork she requested and had a home inspection on XXXX XXXX. I spent money and time fixing all the items and issue the inspector brought up. I called XXXX onXX/XX/XXXXecause I hadnt heard from her and to find out when the inspector will do the final inspection since I did all the work. She called and left a message while I was at work on XXXX XXXX, I called her back within 15 minutes, but didnt hear from her again until XXXX XXXX when she told me I was denied. 
I always had to call and email multiple times to get a response from XXXX. I was very upset that the refi wasnt going through since XXXX had told me not to pay my XXXX mortgage. She said she told me to hold it, but she didnt ever tell me that nor act like the loan wouldnt get approved. I called her boss, XXXX XXXX on XXXX XXXX and asked him to pull the call to verify that XXXX told me not to make the payment and never mentioned to hold it in case. He said they didnt record their calls, but I told him every time I called, the message said the calls were recorded, and he said we dont record all of them. I asked him to be compensated {$1100.00} so I could make my mortgage payment on time. He said he would put the request in, but the most that has ever been paid was {$100.00}. 
On XXXX XXXX, XXXX boss XXXX called me and apologized and offered my {$100.00} for the problems with my refi and said he would be taking XXXX bonus for her error on this refi. I asked for him to give it to me then since she cost me to be late on my current mortgage. He said I cant do that. 
On XXXX XXXX I received an email from XXXX XXXX saying she would have the check cut for me on Friday XXXX XXXX. She later called and said no one was there to cut the check and I didnt end up getting it until XXXX XXXX. I think that paying me {$100.00} and taking XXXX future bonus shows wrong doing on their part and should be compensated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
LOAN NUMBER XXXX FIRST ISSUE IS THEIR BUSINESS AND COLLECTIONS PRACTICES. THEY SAY THEIR IS NO GRACE PERIOD BUT YOU ARE NOT LATE TILL THE XXXX OF THE MONTH. IF YOU ARE NOT LATE TILL THE XXXX CONSTANT CALLS TILL THE PAYMENT IS MADE ON THE ACCOUNT BEFORE THE XXXX. THEY WILL CALL HOWEVER AND WHATEVER ASSOCIATED WITH YOU AND THEN GO FROM THERE. SECOND EMPLOYEES DO NOT KNOW HOW TO TALK TO PEOPLE IN REFERENCE TO ANY SITUATIONS GOING ON. I NEVER ASK FOR A PAYMENT TO BE MOVE I KNOW MY FIRST PAYMENT WAS LATE BUT THIS LATE TWO PAYMENTS THAT WHERE LATE WAS DO DUE TWO XXXX IN THE FAMILY THE RESPONSE FROM THE COMPANY IS THIS HOME IS A PRIORITY. ALL OTHER COMPANIES HAVE TO FOLLOW CERTAIN BUSINESS PRACTICES BUT THIS ONE. I ONLY WANT COMMUNICATION FROM THEM IN WRITING I DO NOT WISH TO DISCUSS ANYTHING WITH THEM OVER THE PHONE OR VIA EMAIL THEY LACK PROFESSIONALISM. ALSO THEY NEED THEIR BUSINESS PRACTICES TO BE INVESTIGATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Social Finance, Inc.
State: WA

Complaint narrative:
I initiated a student loan refinance through Sofi in early XX/XX/XXXX and the loan was approved and finalized on XXXX XXXX. This was also to take over payment of a student loan that my mother had opened while I was attending school. I would be refinancing her loans to my name. She has been unable to make the payments on her loan so I have been paying them. I will refer to her XXXX account as my own since I have been making the payments. Sofi sent the payoff check in the amount of {$16000.00} to the wrong department at XXXX which I found out after waiting two weeks for my balance at XXXX to be paid off. After notifying Sofi, they found that the dept of education would need to issue a check from the US treasury and that it would take 4-6 weeks for that to occur. Because my old loan was never paid off, I was forced to make a payment to my old lender XXXX to stay current on that loan. However, with the 4-6 week lead time on the US treasury check and the reprocessing, I would end up needing to make another payment to my old lender XXXX as well as my first payment to Sofi in XXXX. I requested that Sofi move my first payment date out another month to accommodate their mistake, to which they denied. I tried working through the escalation team and was met with the same answer : they can not and will not move my due date. Not only was this not my fault, I currently have two student loans collecting interest, my original XXXX loan as well as my new Sofi loan ( which has been accruing interest since the check was cashed by the wrong department ). Currently I am waiting to hear back from Sofi when they receive the check back from the US treasury. In the meantime, I have my Sofi payment due on the XXXX and my XXXX payment due on the 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 monetary relief
Consumer complaint received 2017-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
A hold on membership with Navy Federal Credit after opening both a membership saving and checking account on XX/XX/2017. Until today, I was not aware that my identity theft crisis for the last three years involved my name and identity on reports from CFPB and XXXX XXXX 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 2017-12-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The company I am reporting is XXXX XXXX for a debt in the amount of XXXX. I had paperwork to submit to Midland regarding a hardhsip appplication, due to me being out of work. I was told they couldnt communicate with me and contact the law firm at XXXX. After numerous of calls I finally got an answer from an secetary who inform me that Midland has to negotiate with consumers involving settlements and hardships. ( Of course Midland will tell you I didnt call the lawfirm as usual=-but I did ). Recently tried to resolve the collection with XXXX XXXX before and only have been giving the run around or no response. I sent a certified letter ( signature required to show proof it was received ) and I have gotten no response from this company. I trying to settle with this company to pay off the debt and have it removed from my report. However it seems like they are denying payment offers, but continue to report debt. I request that the issue be throughly investigated and documents sent to address on file for hardship. 

If the matter can not be acknowledge and no payment is being accepted, please remove the collection from report immediately. 

Attached is a copy of the letter sent to Midland, and a copy of the last letter I have received from Midland showing proof that they are owners of the account and to conact them with issues ( But No response ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: NV

Complaint narrative:
Acc. XXXX , commonwealth financial. This is the second time a dept collector came after me for this. This is not me. They asked me for my SS number I said you tell me what you have on file. Last time it dropped my credit score by 17. I got it taking off . Now a few months later this different collector started calling. And my score drop 45, from excellent to good . this is unacceptably.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
I have been trying to sell my XXXX from my Coinbase account since XXXX/XXXX/XXXX and it is now XXXX/XXXX/XXXX. I have uploaded the requested identity documents ( front and back of Drivers License ) multiple times. They have an automated response saying verification has failed due to a heavy load. The value of XXXX is dropping and it is proving to be illiquid with Coinbase. It seems like they are stalling because they cant complete the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I erroneously made a payment of {$11000.00} on XXXX/XXXX/XXXX to the wrong Citibank card XXXX an old citi 'double cash ' card ) rather than the intended recipient XXXX XXXX XXXX. When I realized the error I called Citibank on XXXX/XXXX/XXXX who advised the funds would be refunded into my checking account in 3-5 business days. I waited patiently then I spoke with an agent at Citi, who was unhelpful. I asked to escalate the matter, then spoke with a XXXX, XXXX ( 'I cant give you my last name ' ) at XXXX XXXX XXXX XXXX ( XXXX ) on XXXX who advised the refund had to be 'cleared by a manager '. She proceeded to make excuses, then called XXXX to verify the payments previously made in error had 'cleared '. Then she supposedly processed an 'expedited review '. I am still awaiting my refund!

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