vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-15 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: FL

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2018-02-15 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: FL

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2018-02-15 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: CA

Complaint narrative:
XXXX, XXXX and Transunion have failed to remove fraudulent information on my credit report. After numerous disputes and receiving letters claiming the account/inquiry is reporting correctly, it is not. I have attached my Identity Theft report in hopes of removing the incorrect information on 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 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
I never had any credit to not pay. I never received any notice. This is not mines. They threatened me to pay or I will have this remain on my credit forever. 


XXXX XXXX XXXX XXXX Collection Department / Agency / Attorney Closed XX/XX/2011 {$1300.00} 1 Month

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens One has not credited my mortgage escrow account with interest since the inception of the mortgage loan in XX/XX/2016, in violation of Massachusetts General Laws chapter 183, section 61. 

I contacted Citizens One who said that there is no interest being paid on the escrow account ( attached ) and MA Division of Banks and was told that Citizens One is in violation of this law and that they are regulated by CFPB. I was advised to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX. They call me and my mother several times a day. And I have reason to believe that one of their representatives may have called my job yesterday looking for me. My supervisor answered and told me that it was a woman looking for me and said that it was " personal. '' She did not leave a name or a means of contacting her back. I checked with my family and it was none of them. By the time I went to answer the call, she had hung up. None of my other creditors have called for me at work before. But Capitol One sent my debt to this XXXX XXXX and now I've received a call at work? I am suspicious that they were the ones who called me yesterday as no one else ( personal or business ) would have called my job looking for me when they have my cell phone number. I am issuing this complaint in the hopes that no more calls be sent to my place of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: U.S. BANCORP
State: OR

Complaint narrative:
Ordered another credit card for an employee. US Bank opened a new account and used a 10 year old address. Found out the card was turned over to collection over {$160.00} and got it paid and resolved. Was promised this was not reported to the credit reporting and it was. So a couple weeks later when trying to buy a company car US Bank refused to issue the loan and refused to acknowledge their mistake and the fact that XXXX XXXX lied to me about the credit reporting. They then offered me a much higher intrest rate on my car loan claiming it was due to the {$160.00}. issue they created. I have wasted hours and hours of my time and am paying more for the car because of the credit report. US Bank offered me {$75.00} statement credit and that is why I am filing this complaint. They also told me I need to write a letter to get the credit report fixed. I pass a few XXXX dollars a year through their bank between business I own and personal. 
This is who I dealt with last and refused to be helpful beyond {$75.00} XXXX XXXX XXXX XXXX XXXX U.S. Bancorp XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX | XXXX | www.usbank.com

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 2018-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: AZ

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX car rental reservation for XX/XX/XXXX through XX/XX/XXXX in the amount of {$340.00}. 
My XXXX reservation was booked with XXXX at XXXX XXXX XXXX XXXX in XXXX, NY. 
Upon arrival, I showed my printed out reservation from XXXX to receive my prepaid rental. The agent notified me I needed to pay for a {$500.00} refundable deposit. I was aware a deposit was needed, but not as high as {$500.00}. I did not have the money on any of the cards I traveled with, so we asked if my fianc could put the deposit on his card. The agent assured us she could modify the reservation to his name, but we would still be using our XXXX prepaid reservation. 
My fianc used his debit card to pay for the deposit and we were shortly on our way. 
Upon returning our rental, the agents had difficulty finding our reservation. Finally, they found it and issued a receipt. We hurried to our airline counter to receive our boarding passes so we can make our return flight home. When we reached our gate, I realized that the total charges reflected showed they were debited from my fiancs XXXX card in the amount of {$380.00}. 
I called XXXX about this and they said to contact XXXX. I called XXXX and they said that all sales are final and because we changed the reservation name, my XXXX reservation shows that it is unused and they refused to refund the amount. I explained to the XXXX representative that the XXXX agent at the counter made this modification because of the deposit. She still blamed me, the consumer, when I had no idea what the agent was entering into a computer behind the counter. It was the agents duty to make us aware that the reservation was now put under my fiancs name is considered a new reservation & not a prepaid XXXX reservation. If made aware, no one would have allowed this transaction to be created in the first place, resulting in an overcharge. 
The credit card I purchased my XXXX reservation with is Discover. I called Discover and opened a dispute on XX/XX/XXXX. This dispute is still in progress 5 months later. I have documentation showing my fiancs card was charged for the full reservation amount as well as my credit card. We have now paid for the exact same rental, twice on two seperate credit cards and after 5 months with Discover, there has been no resolution and my dispute is under final review for another 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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:
XXXX, Equifax and XXXX have failed to remove fraudulent information on my credit report. After numerous disputes and receiving letters claiming the account/inquiry is reporting correctly, it is not. I have attached my Identity Theft report in hopes of removing the incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: CA

Complaint narrative:
Experian, XXXX  and XXXX  have failed to remove fraudulent information on my credit report. After numerous disputes and receiving letters claiming the account/inquiry is reporting correctly, it is not. I have attached my Identity Theft report in hopes of removing the incorrect information on 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 non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AR

Complaint narrative:
I actually have no knowledge of this account. A letter was sent to XXXX XXXX requesting that the debt they assume I owe be verified. They notified me through mail stating I am responsible for a {$1200.00} bill from XXXX. I was sent a bill as a validation of this debt, but I need an original validation identifying my signature stating I had an account with the company. If they can not provide original documentation bearing my signature, I want this collection item removed from my credit.

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 2018-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I woke up today ( XX/XX/XXXX ) and noticed I had been double charged and triple charged on ( XX/XX/XXXX ) for a previous purchase this month from " Coinbase '' the digital currency exchange. XXXX, XXXX, XXXX, XXXX - Totaling XXXX I've e-mailed Coinbase 3 times and gotten generic responses and couldn't get anyone on the phone. My bank acct is in the negative now and I'm fearful I will incur some overdraft fees because of this. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: AR

Complaint narrative:
I am requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file, of the account listed below. In the event that you are not able to provide me with Verifiable Proof, Then I am requesting that the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit 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 2018-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
i do not have any debts but continue to get calls from " XXXX and XXXX XXXX XXXX. '' it is always a recorded call with a message to call them. this morning when i picked up the phone i did not say " hello '' which is when the recording normally begins. Instead i said " yes, '' and the call terminated. I am very concerned that this will be used in some incriminating way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On Thursday XX/XX/2018 I requested an Employment Data Report from TheWorkNumber online. I received and read the report which includes all of my employment data sent to The Work Number by my employers. The report lists " verifiers who have procured your data in the past 24 months. '' In this section, an organization nondescriptly identified as " XXXX XXXX XXXX XXXX  '' requested my information two times on XX/XX/2018. To my knowledge, I did not authorize any such request. 

The report specifically says that " if you need further assistance or wish to dispute any information in your Employment Data Report, please contact our Client Service Center at XXXX Monday through Friday XXXX XXXX. Please reference case number XXXX. '' I have called this number several times asking for more information about what is the " XXXX XXXX XXXX XXXX  '' that made two requests for my Employment Data Report on XX/XX/2018, because to my knowledge I did not authorize any such requests because I have not applied for any credit cards nor have I applied for an increase. 

My first issue is that when you call this number, no one in any of the departments that I was transferred to recognized the reference case number, XXXX, that is provided on the Employer Data Report with instructions to contact the Client Service Center at the XXXX phone number. I was actually transferred nine times back and forth between three departments, Disputes, Verifications Research, and Equifax : who all said that they could not provide any information to me about the two requests on XX/XX/2018 from " XXXX XXXX XXXX XXXX  '', and who all did not recognize the case number. The only recourse I was offered every time was to be transferred to another department, and invariably receive the same response over again. 

My second issue is that I believe I have a right under the Fair Credit Reporting Act to receive an explanation or at least be provided with more information about what is the " XXXX XXXX XXXX XXXX  '' and why two requests for my employment data report were made on 02/13/2018 and if my Employment Data Report was released or not released to the " XXXX XXXX XXXX XXXX. '' I find it extremely troubling and inconsistent with the Fair Credit Reporting Act that I can not be given any more information or counseling on how my information XXXX be shared by The Work Number Service Team when you call the Client Service Center at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I've been trying to login to my account but am told to contact you XXXX but have heard no response and was on the phone for an hour with no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX bank of americas fraud department notified me about some suspicious transactions on my edd debit card. I confirmed that it was indeed fraudulent. I was in the hospital from XXXX delivering my son. Theres no way i could have been at an atm making withdrawls. I also had possession of my card the entire time. 
So, i proceeded to file a claim. I was told to request a police report. When i contacted my police department, they informed me that a police report could not be filed until i received something in writing from the bank. It took 2 full weeks until i received the letter from BoA stating that they felt there was no fraud or error and therefore was not going to refund me the total amount which was XXXX. That same day XXXX, i filed a police report and then contacted BoA demanding to speak with a manager or submit a reconsideration. I was informed at that time that i could not file the reconsideration  until i received a copy of the police report. It is now XX/XX/XXXX, and the police report is still not ready for me to pick up. This delay is prohibiting me from continuing the reconsideration process with BoA. I also requested copies of documents used to determine the transactions were authorized and was told on XXXX they would be sent and still have not received anything.

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 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
For the last year, I have continuously disputed the debt with the collection agency and three credit bureaus. I have never received notification from the original creditor or collection agency regarding the two debts owed. I repeatedly disputed and Credit Collection Services failed to provide validation of debt and continue to report the account to the bureaus. 

The amounts of the debts are ; {$440.00} and {$380.00}. The accounts are still showing up on my XXXX XXXX credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX XXXX charges appeared that were previously taken. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and pulled {$150.00} from my accounts. 
XXXX # XXXX with XXXX, no response from the company. I believe my other transactions are possibly fraudulent now, as I can not add an account to pull the money. Total I'm out {$350.00} of transactions, {$200.00} in money I can not withdraw and {$150.00} in money fraudulently pulled from my card and not placed into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a complaint on XXXX XXXX XXXX ( complaint # XXXX ) stating this collection agency is not license to collect in the state of Texas. The company agreed to remove account off of all reports and they did do so. XXXX XXXX, XXXX the account was placed back onto my credit report. This company have not furnish any paperwork showing a agreement I have with them, in addition I researched and I show they are still not licensed to collect in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
on XX/XX/2018 Moneygram stated that my online account had been locked out due to activity. I was told by moneygram that i should visit a moneygram location personally and i could send money. Unfortunately even attempting to send money at a physical location i was unable to send money ( local XXXX ) to a family member. 

I would like moneygram to unlock my account so i can continue to send money to XXXX family and friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In our address information : a ) The XXXX, NJ address was our OFFICE ADDRESS, and we sold that business in XX/XX/XXXX ... 14 years ago. Please remove that address at once. 

b ) The XXXX XXXX, NY POST OFFICE BOX address was closed in XXXX ... 13 years ago. It, too, must be removed at once. 

Kindly respond in writing acknowledging the adjustments. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation