vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I applied for a promotional offer of XXXX AAdvantage  points after {$4000.00} in credit card spend. Citi is denying my bonus miles, saying that I have earned a similar promotion in the past 24 months making me ineligible. However, the last time I received a CitiBusiness AA bonus was in XXXX of 2019. I confirmed this with XXXX XXXX today.

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 2022-10-04 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: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I have applied for the SCRA Civil Service relief Member Act ) benefits under the key provisional state law of OHIO as that is my home of record and I am a military spouse. I provided all of the documentation needed for the process ( military orders, LES, marriage license, proof of HOR, etc. ) I sent in my initial request via fax number based on the number given by a representative in XXXX and followed up weekly via phone call. I provided a letter in my request with specific account information and that to review the eligibility under OHIO code as it is different than the Federal code. Each follow up call lead to more frustration as no representative, including supervisor staff were educated on the SCRA benefits. I was told different information each time. I was then told I was denied because of XXXX XXXX service member date was before the account opened. Again, I requested my 2 accounts be reviewed again because Ohio law states even DURING the XXXX XXXX period. My spouse is STILL XXXX XXXX. I was denied again and told that Ohio is not a Key provisional state which is not correct. The company needs to train their staff better on this topic and I have not received the benefits on my 2 accounts that I am entitled to receive. Also, not to mention when we submitted this request, 2-3 days later, my husband received a credit alert stating that 2 new cards were applied to his credit report FROM THIS COMPANY! SO NOW HE IS ALSO A VICTIM OF IDENTIFY THEFT. Genesis FS Card services has horrible customer service and does not honor their military service members.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
I sent Velo law office the only thing I could find from a pervious debt collector I settled this with. I have been contacted by a dozen over the years and any time they close it out they sell it off no matter what I do. I attempted to ask questions to the law office on why they wouldn't take my dispute and what I could do to ensure that if I settled this again, it would come back next year with someone else. The woman was rude wouldn't speak to me and just kept saying " good luck ''. I can't begin to resolve anything with communication like that. Also they went to court after telling me to ignore the paperwork that was sent to me because I sent in a settlement agreement letter they requested and they never reached back out in the 30 days like they stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi there, I opened both checking account and saving account with Chase on XX/XX/XXXX with coupon code XXXX XXXX XXXX XXXX. At the time of opening account, I didn't have any checking/saving account with Chase. 

I reached out to Chase last week inquiring about the account bonus and was told that they couldn't apply the coupon because I received a checking account bonus within the past 24 months. 

Note that I never received any saving account bonus in the past, and according to the Chase representative- since coupon code couldn't be applied, I won't be receiving saving account bonus either. 

This seems highly fraudulent marketing practice and I believe has violated the T & C for the promotion. Please kindly advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reporting accounts that are fraudulent and I am asking them to investigate and remove them. These bureaus does not respond to any of my letters, I did not receive anything from them even after 40 days.

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 2022-10-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reporting accounts that are fraudulent and I am asking them to investigate and remove them. These bureaus does not respond to any of my letters, I did not receive anything from them even after 40 days.

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 2022-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
I moved from XXXX XXXX XXXX and I cancelled all my XXXX XXXX XXXX XXXX services and returned all the equipment. I made sure with the representative that everything was paid with a zero balance. When I applied for a loan in XXXX I was told XXXX XXXX/ERC had placed a derogatory collection amount n my credit report, I never received any calls, mailings etc and when I called the ERC representative she said that she could not send out any documentation to prove their claim, that it was all only her screen. When I called spectrum they dais they can not send out any information because it was being handled by the collection agency ERC. Bottom line I paid everything there was a zero balance and they are giving me the run around with ZERO documentation that I owe them anything. 

I want this collection account removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: IL

Complaint narrative:
I have obtained my credit report from XXXX XXXX XXXX and noticed there a several hard inquires that I have never authorized. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to Transunion, it is their responsibility to investigate my claims, and when they can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are these hard inquires : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: ME

Complaint narrative:
I have not been able to access my Coinbase account for almost a month now. They have advised me via automated message that they are conducting a manual account verification but stated ( a month ago ) it would take several days. They have not responded to any of my inquiries. 

Not a lot of money involved ( ~ {$250.00} ). 

Not sure whom I should contact about this issue. Perhaps you can point me in the right direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: GA

Complaint narrative:
I recently pulled my credit report and noticed fradulanet inquires on my credit report. I reached out to XXXX, XXXX and Equifax. XXXX did an investigation and Equifax and XXXX failed to do so. 

With Equifax inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX With XXXX Inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX I even sent each company letters and they saying I have to contact the source which I do not know who the source is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Please update and verify the following account below, which is not mine but is reporting on my credit report, the information reported is incorrectly. I have never incurred debt with these creditor, I did not made or authorized it. If this account can not be verified, please delete the account. 
XXXX XXXX XXXX account number XXXX Open on XX/XX/2016 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  # XXXX, XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXXXXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent in letters asking for these accounts to be removed completely from my credit report. I do not consent to my name and likeness to be used in a negative way especially in error. 
Again I demand to have all accounts that are reported as charged off to be REMOVED COMPLETELY from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX and XXXX XXXXXXXX XXXX  XXXX are the same set of people acting as seller and lender, the operate in the same office and compound, they sold a land for {$47000.00} and the property was appraised for {$500.00}. They threaten me with my credit score and foreclosure when I reached out to them amicably.

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 2022-10-04 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 602A states I have the right to privacy.

15 U.S.C 1681 section 602A. Its also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

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 2022-10-04 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: Paramount Capital Group, Inc.
State: IN

Complaint narrative:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - XXXX I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please update and verify the following account below, which is not mine but is reporting on my credit report, the information reported is incorrectly. I have never incurred debt with these creditor, I did not made or authorized it. If this account can not be verified, please delete the account. 
XXXX XXXX XXXX account number XXXX Open on XX/XX/2XXXX 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 non-monetary relief
Consumer complaint received 2022-10-04 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: GFS II, LLC
State: IN

Complaint narrative:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: IA

Complaint narrative:
I have tried contacting Original creditor and they stated over the phone that account no longer belongs to them. Therefore, they couldnt help me. I wrote to XXXX XXXX, XXXX and XXXX regarding this account as it is stating incorrect. XX/XX/XXXX I requested to delete account as I do not recall having this account. Account was previously stating collection yet derogatory at the same time with all three bureaus after dispute XXXX XXXX has changed from stating collection account to open account while XXXX and XXXX continue reporting collection. This is impossible account can not be open yet in collection at the same time. Previously, account was stating XX/XX/XXXX as date open with experian and XXXX currently XXXX and XXXX have change date open to XX/XX/XXXX. Before Payment history was not stating no data were now experian has added conservative charge off as if it was some sort of payment method. Account has also been re-aged pushing back the day it should fall off this is not acceptable. It is not possible that all three bureaus are right when information is coming from the same furniture data. I have attached a copy of previous and current credit report and underlined errors to further assist with request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
On XX/XX/22 I received the following text message from phone # XXXX : " This message is from the CBE Group, a debt collector. Please contact us at XXXX or paycbe.com. Reply 'STOP ' to stop texts to this number. '' I have never heard of this company and do not have any outstanding debts that would have gone to collection. This may be a phishing attempt, and not really from the company indicated ( CBE Group ), or it could be an identity theft issue. I did not call or text them back in case it was a phishing scam attempt.

Company response to consumer: Closed with explanation