vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-01 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: NY

Complaint narrative:
Back in XX/XX/XXXX i join XXXX and i was with them foe two years when my contract was up I never renew the services my service was cancel the power box in the house was no longer hook up to they services.in XX/XX/XXXX I  received a collection notice for XXXX XXXX for a bill of XXXX for XXXX. I contact XXXX and they told me I cancel my contract wrong I had to full out o form on they website to cancel but I send you a letter and call the company and no one every told me about the cancellation policy on they website. this is how they get people so they run up a bill for services I never receive a bill for and now they want to collect on it.this is illegal and they no this their no contract renewal.

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 2017-09-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I initiated a dispute with equifax via BBB on XXXX and they told me that they are n't required to retain records to validate accounts they just call and confirm name, address, and SSN with the collection agencies. I informed them that if they do not have proper documentation to validate the account it needs to be deleted or if they do it needs to be sent to me. As of XXXX I have yet to receive the requested info. I also initiated a dispute via their website HOWEVER as of XXXX the account remains on my account which is clear that an improper investigation was completed. I disputed directly with the company as well on XXXX and as of XXXX the company has YET to send me the requested proof of validation HOWEVER I 'm confused as to how equifax " validated '' the account if me, the consumer, has yet to receive any documentation from the company nor equifax. And it is obviously wayyyy beyond 30 days. Equifax continues to stall vs remedying the situation. I received a statement that their was an " unauthorized third party ''. What and whom is this third party. At this point I am ready and willing to seek legal counsel again equifax for every violation. Because once again equifax has chose to ignore my request

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: NV

Complaint narrative:
1. XXXX XXXX XXXX Inquiry : XX/XX/XXXX and XX/XX/XXXX - XXXX XXXX XXXX/XXXX  ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX  ( XXXX ) XXXX 2. XXXX Inquiry :XX/XX/XXXX - XXXX ( XXXX   ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX 3. XXXX XXXX XXXX Inquiry : XX/XX/XXXX - XXXX ( XXXX  ) XXXX See an error?

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( 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 2017-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MI

Complaint narrative:
I have had a lease for an XXXX vehicle since XX/XX/XXXX, replaced with a new vehicle early this year. My account has been on automatic payment since I initially signed up in XX/XX/XXXX. For my newest vehicle, the first month 's payment was to be included beginning with the day that I signed the lease ( XX/XX/XXXX ). I did not receive the first statement or even my account number until approximately XX/XX/XXXX which is when the next payment was debited from my account. For whatever reason, Infiniti Financial Services ( Nissan ) may not have timely processed my automatic payments. Nevertheless, I called Infiniti today and they verified that they are not reporting any 30 day past due payments ; however, despite that fact, my lessor has taken it upon itself to disparage me and published a derogatory 30-day past due payment to the credit reporting agencies in the past year. I spoke to two people over a thirty minute period today, neither of whom could figure out why the alleged past due payment is reporting. Furthermore I do not consent to the disclosure of my account information to any third parties for any reason whether positive or negative. This has been in writing with Infiniti 's dealer/agent since I signed my lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: LA

Complaint narrative:
I have been dealing with the credit bureaus in regards to an item that was reinserted onto my credit reports. I have disputed based on the FCRA Section 611 in regarded to previously deleted material. It states that the consumer reporting agency is to provide notice within 5 business days of reinsertion. I was not given notification in regards to XXXX XXXX which was removed in XX/XX/XXXX and reinserted in XX/XX/XXXX. I have sent items showing that the items were in fact in dispute in XX/XX/XXXX and removed in XX/XX/XXXX as well. Even with the proof, I 'm getting no results. I was even notified by a TransUnion agent and supervisor on XX/XX/XXXX that the credit reporting agency is not required to give notice. They then advised me to call back tomorrow to speak to the US special handling department because they were gone for the evening at that point. When I finally spoke with a supervisor from the special handling department, I was advised that they did not show the item disputed. I then faxed them the information from XXXX XXXX, which is run by Trans Union, that showed the information was in fact disputed and removed.

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 2017-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: UT

Complaint narrative:
I purchased a XX/XX/XXXX new truck from a local dealer in XX/XX/XXXX. The dealer sold the loan to Santander co. I was not told by the dealer who held the loan. I did not receive loan papers, payment invoices, etc from anyone. I repeatedly asked the dealer who told me in XX/XX/XXXX that it loan still had not been sold but I would be notified when it was. In early XX/XX/XXXX, I received notice from Santander that I was late on the loan despite never being notified of the fact that they held the note or where to send payment. I talked on the phone with Santander on XX/XX/XXXX. I was told that I was late for XX/XX/XXXX 's payment. I explained I had never been notified. They told me I had to make a payment and would have a second payment due on XX/XX/XXXX. I requested my due date be moved to the XX/XX/XXXX of each month because I could not make 2 payments that close together. they agreed if I paid a payment during the phone call. They told me the payment was {$640.00}. I paid it.They did not change the due date. When I did not make the payment on the XX/XX/XXXX they charged me a second late fee and reported me late to credit companies. They called me and told me I was late and my due date was still the XX/XX/XXXX. I made the payment on XX/XX/XXXX and they charged me another late fee on XX/XX/XXXX. They also raised my payment from {$640.00} to {$710.00} and did not notify me. I have made 2 payments in XX/XX/XXXX to get on track with there changes. I asked them to remove the late report and being behind on payments from the credit agencies because they never told me they held the note. I did not know who or when to pay. Once notified I paid what they asked and when. They changed the amount, continued to assess late fees and incorrectly report. The have so far refused to correct my credit report. They have been dishonest and refuse to help. I want them to correct the credit report and clear my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In XX/XX/XXXXI was sued by a bank for a loan that I was alleged behind on. Later ( I believe it was a few months ), I was sued again by Portfolio Recovery Associates, but for a higher amount for the same account. 

I contacted Portfolio Recovery Associates in reference to this account, and they are saying I owe them for a XXXX credit card from the original creditor. I never had a credit card with the original creditor, only a loan. I have requested the proper paperwork from them, and Portfolio Recovery Associates has failed to provide the proper paperwork validating that there is a valid debt. They are failing to abide by both Federal Law as well as Texas State law. I have phone recordings from my phone calls with Portfolio Recovery with evidence that they do no have the correct information regarding the account. 

This all goes back to the consent order issued by the CFPB in XX/XX/XXXX where Portfolio Recovery Associates was fined for suing people knowing they would not show up for court, as well as not having proper paperwork on debts. 

This information needs to be deleted off of my credit report because it is apparent that Portfolio Recovery is in violation of the consent order from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc.
State: TX

Complaint narrative:
This is a issue I wrote to you about regarding XXXX XXXX. XXXX sold me a package that I was never able to use and did not inform that to have this service that I had to get their phone service. The premium channel that I ordered never worked although XXXX was called several times to fix or remove from the account. XXXX has continued to charge me for the premium services as well. 

When I got the bill, I tried to explain what happened and work out with them to get the services working. They would never resolve the issue. 

Now they have 2 collection companies reporting on my credit report, both in the amount of {$780.00}. I do n't own the original {$780.00} but now they have 2 companies reporting that amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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:
Transunion Consumer Solutions has violated the fair credit reporting act by reinserting an incorrect collection item on my credit file. On XXXX XXXX Transunion conducted an investigation and found that XXXX XXXX was incorrectly placed on my credit file and they deleted the account. It was illegally reinserted on to my credit file. By law I 'm entitled to be informed within 5 days of a negative item being reinserted. Transunion has failed to follow the FCRA by not giving me the required notice. I have attached physical proof showing the account was deleted and is now reporting on my credit file incorrectly. Based on similar complaints with the CFPB Transunion has continued to act illegally on other accounts as well.

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 2017-09-01 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: NJ

Complaint narrative:
Bank of America abruptly closed my account on XX/XX/17 after opening it just a few days before ( X/XX/17 ) with {$92.00} remaining in my business checking account.
There is absolutely no formal reason and I have 0 history of abuse behavior with the bank so I feel I am being treated completely unfair. 

I would like to do business with Bank of America and feel I 'm being treated like a criminal this is not right and I want someone to help me so we can resolve this and get back to banking for my business.

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 2017-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
To whom it may concern : Hello, I signed up for 'Coinbase ', an online digital currency ( cryptocurrency ) wallet storage website on XXXX XXXX, XXXX. Coinbase was a great site as I was initially successful in making numerous successful transactions and deposits from my XXXXXXXX XXXX account which converted US dollars into 'Bitcoin ' and 'Ethereum '. 

Some transactions include : XXXX XXXX, XXXX - Purchase for XXXX Bitcoins ( {$2500.00} ) XXXX XXXX XXXX - Purchase for XXXX Ethereum ( {$2400.00} ) XXXX XXXX, XXXX - Purchase for XXXX Ethereum ( {$4900.00} ) It was until about XXXX XXXX, XXXX when I attempted to log-in to my account so I could buy some more coins since my birthday was coming up. I was not able to access my account because Coinbase had indicated that my " Account was disabled ''. A couple hours later, on XXXX XXXX, XXXX at XXXX local PST time, I receive what appears to be an automated email saying they 've received my request -- this made me a little more at ease. No response until about a week later on my actual birth date, XXXX XXXX, when a representative from Coinbase, by the name of " XXXX XXXX '' replied : Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. Please let me know if the matter develops further as we investigate. Regards,  XXXX. 

I do not receive any updates or notices so I try again on XXXX XXXX, XXXX. Then again on XXXX XXXX, XXXX, as I am growing extremely worried at this point. I have been professional and polite in my email requests as well, but still, no answer. I email Coinbase again on XXXX XXXX, XXXX and again, nothing. 

This matter is extremely time sensitive since the cryptocurrency market is 24/7 in real-time and I am not able to make trades let alone pull my money out from this horrendous website that is now a scam in my opinion because I do not know what else to do. Please help with this matter. I would be extremely grateful at what ever it is the CFPB can help with. Thank you for taking the time to read my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: NM

Complaint narrative:
Trans Union is ignoring all my requests to investigate, verify and remove the accounts from my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I do not know the source of information due to this but the contract for the collection that was place from NATIONAL CREDIT SYSTEMS, INC ( XXXX XXXX XXXX ) Acct # XXXX. I have never had an contract with the collection agency and I have requested documents to be sent to me stating that something was signed and no document has been sent to me. The only thing I keep receiving is a letter stating " the dispute has been verified and updated '' but with what documents? '' I have tried to make contact with XXXX thru letters, phone calls and certified mail and no one has been able to assist me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a victim of identity theft. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

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 2017-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: WI

Complaint narrative:
I have this debt collection on my credit report for a long time. At the beginning I did n't pay attention to it because I knew I did n't owed it. They have contacted me letting me know that I did n't return a router to XXXX that I was supposed to when I close my account. I moved from New York back in 2012 and I personally returned the router to their office in XXXX XXXX in XXXX. I had previously contacted XXXX and let them know about me moving ; they told me all I had to do was to return the router, and pay any balance in full, I did so. Right now I decided that it was time for us to buy a house, but I have this negative and false report that is affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am a victim of identity theft. The inquires from this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-01 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: TX

Complaint narrative:
I am a victim of identity theft. The inquires from this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: Clarity Services
State: TX

Complaint narrative:
I am a victim of identity theft. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

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 2017-09-01 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: DISCOVER BANK
State: TX

Complaint narrative:
I am a victim of identity theft. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

Company response to consumer: Closed with non-monetary relief