vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX PROFESSIONAL DEBT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PROFESSIONAL DEBT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
On XX/XX/XXXX I received a unauthorized inquire on my credit report from XXXX XXXX after reviewing this item on my credit report I contacted all 3 credit bureau to informed them of this inaccurate information. And they informed me that it was nothing they could do that I would have to contacted the XXXX XXXX XXXX XXXX and I contacted them and they did nothing but continued to transfer my call to supervisor and nothing was resolved due to this issue my credit score has  decrease even though it was not authorized for my credit to be ran. XXXX XXXX do not have a copy of my license nor anything to authorize approval for car. I would this information removed off of my credit report and my credit score to return to my accurate score. 

Credit Score IncreaseXXXXXX/XX/XXXX DescriptionCongratulations! XXXX  has reported that your credit score has increased by at least 10 points. Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh. 
Next StepsKeep up the good work. 
Details Updated Score : XXXX Credit Score DecreaseXXXXXX/XX/XXXX DescriptionXXXX   has reported that your credit score has decreased by at least 10 points. Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh. 
Next StepsMonitor what factors influence your credit score by logging into XXXX XXXX. 
Details Updated Score : XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
I have never been to or used this company XXXX/Cont Phone XXXX Address XXXX XXXX XXXX XXXX XXXX, DE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i dispute over the phone with TransUnion on XX/XX/XXXX, on XX/XX/XXXX i call transunion at XXXX they had me in the phone for more then one hour giving me the run around, i spoke to XXXX   the XXXX asking them for Results on my Dispute, why not i received a new results by mail and i also ask for method verification and they told me that they do not do investigate any account for Inaccurate information on multiple account ( XXXX XXXX XXXX , Account # XXXX ), ( XXXX XXXX XXXX , Account # XXXX ), ( XXXX XXXX XXXX , Account XXXX XXXX ), XXXX XXXX XXXX, Account XXXX XXXX ) also i had a public Notary Double check every account and sign that what I'm stating is correct on my end and that TransUnion is not properly doing that correct investigation.TransUnion said that the account was verified and updated when i received results stating that these items have been verified when i can clearly see inaccuracies littered all over the place on my credit report! how were these items verified? I am sending proof that you are reporting accounts wrong and they clearly need to be DELETED I also need to see whatever PROOF you have that these were even investigated and that, They were subsequently verified. I also would like a new credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit 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 2018-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
The main problem I am having is with coinbase. When I first made coinbase back in XXXX, I chose coinbase over other platforms because it didn't require SSN which I don't have since I am an XXXX XXXX in the United States. Ever since XXXX, I spent about 700 $ ( including transaction fees ) on purchasing litecoin on coinbase. However, recently when I tried to log into coinbase, they locked my account saying that they needed " additional customer information '' and asked me to type in my SSN ( which I don't have ). Therefore, I'm currently unable to access my coinbase wallet, even though I wanted to pull out all my litecoins. I didn't gain any profit from my purchase so I just wanted to pull out at a safe point where I only lost about 50 , but due to coinbase locking my account, I'm no longer able to do anything but sit and watch my investment diminish.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
An agency states I owe {$1600.00} for an apartment lease I paid off without incident. No communication was given to me by the apartment complex at any point. XX/XX/XXXX I sent a letter to National Credit System requesting proof of the amounts owed and also followed up with a phone call to confirm the agency received and understood what I needed to pay the debt. 30 days went by and I was never given any proof of the said amounts owed. I have been lied to and believe this is a fraudulent attempt to collect revenue. I sent a correspondence and followed up with a phone call XX/XX/XXXX and was basically told they would not provide me with any proof of said amount due. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On Saturday XX/XX/XXXX I was in contact with a seller ( XXXX XXXX XXXX XXXX XXXX ) on XXXX. He was selling a transmission for a car. I tried several different way to pay for this item. XXXX was not working at the time and the seller suggested using XXXX stating that it was free and safe.I found that this app was a feature that appeared to be backed by my bank. All I had to do was log into my Wells Fargo App and click on a button that said send money with XXXX. I used this feature within my Wells Fargo app to send him a deposit of XXXX. Once he received that I sent him the remaining XXXX on the same day. This larger amount did not actually go through until XX/XX/XXXX according to the XXXX Activity Log. The seller was very active with talking to me and confirming my information and promising shipment as soon as the money was received. I have not heard from the seller since that day. I filed a claim with XXXX and they responded that they would not step in until XX/XX/XXXX. At that time they informed me that since I did not use XXXX they would not assist me. I requested that this seller be block and complaint be filed. I then called my bank Wells Fargo who told me that " I knowingly sent the money and they would not assist me either ''. I tried reaching out to them again since there has to be a way for them to do a take-back or a reversal of the money. They said there is nothing they can do even if I misspelled the email address that I was sending it to they would not be able to stop it. I did reply to a video that Wells Fargo posted about XXXX and how easy it was to use. This got someone from their social media account to reach out to me who did not assist me either. He just kept saying that it says in really fine print about liability and limitations. I am currently out XXXX I have all the emails back and forth with this seller and the confirmations from XXXX of the transfers. Neither XXXX or Wells Fargo will assist 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 non-monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armor Systems Corporation
State: GA

Complaint narrative:
I was notified via email by my credit monitoring company of 2 new collections accounts added to my credit report. I disputed the items and this company sent a response back to the credit bureau saying the account info was accurate. I have never been to a XXXX nor am I the responsible party for these bills. This is fraud and the company needs to provide documentation to prove this is my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I called XXXX XXXX in response to their constant emails to lower my interest amount ( 110 % APR ) The lady i spoke to asked if i was a military spouse - I responded yes. The customer service rep then tells me that she is unable to re-do my loan as i shouldn't have one under the law anyhow, and that it is a good thing, she recommended i speak to their customer service team. I called back and they tried to sell me a new loan at 80 % APR for another 80 months! 
I am a military spouse that just wants to know what is what here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am wrote a request on the method of verification for dispute initiated in XX/XX/XXXX and the subsequent response received on XX/XX/XXXX from Equifax enclosed with this letter. 
I requested that the following address be removed from my credit report : XXXX XXXX  XXXX XXXX XXXX PA XXXX Equifax deleted the inaccurate address on XX/XX/XXXX under Confirmation # XXXX I pulled my credit report on XX/XX/XXXX and it appears that Equifax re-inserted the address without notifying me of doing so. If the CRA reinserts, they must send the consumer written notification of such within 5 business days of the reinsertion. I did not.receive this letter or notification within the days of re-insertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 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: NY

Complaint narrative:
All 3 credit bureaus show credit inquiries from XXXX XXXX XXXX which I have contacted all 3 agencies several times reporting this fraudulent inquiries. My credit reports should not contain any inquiries. My ex husband is using my name and I have reported it to All government agencies. Please remove these credit Inquires off my report as they are fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
Filed a complaint on this company in XX/XX/XXXX. This company sent me a letter saying i owed XXXX on a past due medical. This company claimed my date of service was XX/XX/XXXX. So I looked on my XXXX calendar and found out I wasn't even in town. i was in Maryland handling my divorce. I called the hospital and asked when did I receive their services and the HIM department said XX/XX/XXXX. Which I already knew because that's the day I went into early labor. I also called the company to let them know they have the wrong dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
On Friday XX/XX/XXXX, an unknown number ( XXXX ) called my phone and left a voicemail seeking myself. I returned the call and they ( Diversified Consultants ) spoke on a past due bill with a cellphone company, XXXX XXXX. I stated, on a recorded line per the caller, that I do not have a contract with your company and as I have before I will go into one of the cellphone company 's locations and make the payment and representative stated ok that is fine. They ( Diversified Consultants ) have repeatedly called both of my numbers ( the second is XXXX ) as early as XXXX XXXX and as late as XXXX ( XX/XX/XXXX ). Furthermore, I do not believe the company is local to my city/state, therefore they are cloning a prefix ( XXXX area code ) and calling from several numbers ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 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: NY

Complaint narrative:
All 3 credit bureaus show credit inquiries from XXXX XXXX XXXX which I have contacted all 3 agencies several times reporting this fraudulent inquiries. My credit reports should not contain any inquiries. My ex husband is using my name and I have reported it to All government agencies. Please remove these credit Inquires off my report as they are fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 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: NY

Complaint narrative:
All 3 credit bureaus show credit inquiries from XXXX XXXX XXXX which I have contacted all 3 agencies several times reporting this fraudulent inquiries. My credit reports should not contain any inquiries. My ex husband is using my name and I have reported it to All government agencies. Please remove these credit Inquires off my report as they are fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
1ST : MY BALANCE IS PAID OFF TO XXXX : WHY DOES IT STILL SHOW $ XXXX BALANCE? 

2ND : I ASKED TO HAVE MY WIFE REMOVED OFF THE ACCT AS WELL OFF THE CREDIT REPORTS, WHY HAS IT HAS NOT HAPPEN? XXXX XXXX ss # XXXX. 

Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a unauthorized inquire on my credit report from XXXX XXXX after reviewing this item on my credit report I contacted all 3 credit bureau to informed them of this inaccurate information. And they informed me that it was nothing they could do that I would have to contacted the XXXX XXXX XXXX XXXX and I contacted them and they did nothing but continued to transfer my call to supervisor and nothing was resolved due to this issue my credit score has  decrease even though it was not authorized for my credit to be ran. XXXX XXXX do not have a copy of my license nor anything to authorize approval for car. I would this information removed off of my credit report and my credit score to return to my accurate score. 

Credit Score IncreaseXXXXXX/XX/XXXX DescriptionCongratulations! XXXX has reported that your credit score has increased by at least 10 points. Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh. 
Next StepsKeep up the good work. 
Details Updated Score : XXXX Credit Score DecreaseXXXXXX/XX/XXXX DescriptionXXXX   has reported that your credit score has decreased by at least 10 points.  Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh. 
Next StepsMonitor what factors influence your credit score by logging into XXXX XXXX. 
Details Updated Score : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Contacted CitibankbCustomer Service on XX/XX/XXXX - had long conversation about incorrect service fees. Was told two months fees would be refunded and they would research the other fees. 
Called XX/XX/XXXX because of an insufficient funds email from Citibank. Found they did not correct ANY fees and charges another months fee and an insufficient funds fee of {$34.00}. 
After three conversations, One Hung up on me, they said the fees refunds were denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I HAVE ASKED TO HAVE MY NAME REMOVED OFF THE ACCT AND CREDIT REPORTS. WHY DO I STILL SEE IT ON MY CREDIT REPORT?? 

ACCT # XXXX XXXX XXXX SS # XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I HAVE ASKED XXXX ACCT # XXXX TO HAVE ME REMOVE OFF THE ACCT AND CREDIT REPORT : XXXX XXXX SS # XXXX XX/XX/XXXX WHAT IS THE PROBLEM?

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