vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To XXXX, XXXX, and TransUnion this message is in regards to an account 1. XXXX 2. XXXX 3. XXXX 4. XXXX/XXXX 5. XXXX XXXX XXXX/XXXX all are listed as closed. I am not aware of these accounts belonging to me. I am not sure if this was by mistake, done on purpose or a fraudulent act but this is not a laughing matter it is an major error and misuse that I would like to see removed from my credit report immediately. I contacted XXXX but I did n't get a response back so I do n't know if this is a game being played or what. At this point I have contacted my lawyer and we are scheduling to go over to the county court house to get an affidavit for all the companies listed, including XXXX, XXXX XXXX, and TransUnion. Please be aware that I have contacted my personal private investigation team, FTC, and The State Attorneys Office to handle this case. If for any reason this was placed on my credit report, the companies will suffer the consequences. This is my last attempt to resolve this matter and anything after this message wo n't be answered by myself, you 'll have to deal with my lawyer. 

Thank You

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 2017-09-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To XXXX, Experian, and XXXX this message is in regards to an account 1. XXXX 2. XXXX 3. XXXX 4.  XXXX/XXXX 5. XXXX XXXX XXXX/XXXX all are listed as closed. I am not aware of these accounts belonging to me. I am not sure if this was by mistake, done on purpose or a fraudulent act but this is not a laughing matter it is an major error and misuse that I would like to see removed from my credit report immediately. I contacted XXXX but I did n't get a response back so I do n't know if this is a game being played or what. At this point I have contacted my lawyer and we are scheduling to go over to the county court house to get an affidavit for all the companies listed, including XXXX, XXXX, Experian, and XXXX. Please be aware that I have contacted my personal private investigation team, FTC, and The State Attorneys Office to handle this case. If for any reason this was placed on my credit report, the companies will suffer the consequences. This is my last attempt to resolve this matter and anything after this message wo n't be answered by myself, you 'll have to deal with my lawyer. 

Thank You

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 2017-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
i have been trying to take my money out of coinbase but they would simply not let me. Coinbase keeps saying that I need to verify my address and such information and which is what i have been trying for 3 months. They continuosly give me automated messages and today i just received an email saying that I cant email them directly anymore. I have roughly {$3600.00} dollars in there. It is not a small amount of money. I need to be able to take it out and use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Credit Service Inc
State: WI

Complaint narrative:
XXXX XXXX XXXX, XXXX, WI, has sent {$660.00} to a collection agency, XXXX XXXX XXXX XXXX XXXX. I have never received any statement from XXXX XXXX nor have I received any phone calls. I have moved once and have had a forwarding address in place. I have had the same phone number for the past 8 years. XXXX XXXX has a vendetta against my now ex-husband, XXXX XXXX, over an employment dispute. XXXX has sent letters from attorneys to XXXX with my name included. I am not responsible for anything that they have with him. I have left several messages at XXXX regarding this matter and no one has even tried to contact me. I discovered this issue when the collection appeared on my credit report on XXXX/XXXX/XXXX. XXXX XXXX has not followed the guidelines proper billing. Not only are they not following guidelines, but they are trying to add on debit that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Service, Inc (FL)
State: GA

Complaint narrative:
I recently wrote UNITED COLLECTION SERVICE a letter asking them to verify the debts that they keep under my name. According to FCRA they are required to validate any debt. Not to mention, withholding any information they received from any medical provider in attempt to HIPPA complaint can be a violation of the FDCPA. I have requsted full documentation of what they have to verify this/these accounts. There is no signed documentation that they sent me stating that I have a binding, contractual commitment with UNITED COLLECTION SERVICE. According to FCRA any company is REQUIRED to provide a method of verification which should consist of the actual and original signature of the individual they are contacting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
My complaint is about XXXX XXXX XXXX XXXX XXXX XXXX ( a collection agency ). For about 3 years I 've disputed 2 items they are entering into MOST ALL consumer reporting agencies in the U.S. ; namely the 3 major credit reporting agencies and tenant screening consumer reporting  agencies. The 2 items I 've disputed myself and through an attorney are as follows : 1. XXXX
2. XXXX XXXX XXXX. 

The above items are NOT MINE! Even though they are NOT MINE, I 've proffered an " Offer in Compromise '' in order to remove these items from ; a ). the 3 national consumer credit reporting agencies - XXXX XXXX and XXXX, and b ). from all tenant screening consumer reporting agencies. At this juncture, I 've rescinded any offer in compromise as FCO refuses to remove them. I believe this violates my protections under the FCRA, FDCA, and because it is more than 3 years old and outside the statute of limitations for DC denies me fair access to housing in the District of Columbia. I want the 2 above items REMOVED IMMEDIATELY w/WRITTEN CONFIRMATION from ALL consumer reporting agencies in the U.S.

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 2017-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal 's User Agreement and other policies prohibits access to my own money in an abusive and illegal manner. They first set a 21 days incapacity to withdraw my money after I receive a payement ( coming from selling on XXXX ) which I understand ( this is for both PayPal and the buyer 's protection, to avoid problems ). But claiming that my " account reported to be involved in possible fraudulent or high risk behavior '' for selling items via XXXX and receiving positive feedback from the buyer is just a way for PayPal to limit my account and hold my money without any valid reason whatsoever, probably to generate interest or conduct any kind of money laundering or embezzlement ... That, I do n't know, but this is what it looks like to me. Everytime I request info about the reason why they placed a restriction on my account and wo n't allow me to access my XXXX EUR ( more or less ), they send an automattic response saying that I represent a risk. I have no informations about this so called risk, I have no money, I have no one to discuss this matter with, I ca n't get a hold on someone else than a robot from PayPal that could/would/should help me. I tried in every way possible to solve this with them, but they deflect and refuse to do so. No activity from my account represents a risk, nothing at all, and they know it, but they keep abusing of a power they do n't even legally have. They are operating as a financial institution with power of seizure, without legal authority to do so and by doing so, they illegally hold my funds, they abuse of their power and also, they breached my trust, as a consumer ( since I 've trusted them with my money and now they wo n't let me have it ). Needless to say, I need my money back ASAP, since they represent my only income. The prejudice that PayPal is causing me is beyond their imagination ( that is, if they even care or think about it ) and I need them to do right by me and the tons of people that are also in my situation ; to act within THE LAW ( not their law! ) and to lift the restrictions on my account and give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: VA

Complaint narrative:
My name is XXXX XXXX and I have an account with American Express. I asked for and got an additional card for my wife. This card is tied to my personal account and is not a new account with American Express. This is verified on their website and pre their representative. One week after getting the additional card, American Express added the account to my wife 's credit report as a new account with an outstanding balance! But, it is not her account and she is not liable for the balance due or the monthly payments due. 
American Express needs to remove this information from her credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I went into a branch on X/XX/17 and made a CASH payment with a teller. My payment processed on X/XX/17, however my available credit has not changed. According to the representative and then supervisor I spoke with this morning, they are still verifying my payment. They said it is still pending and the hold will drop tomorrow, unless they contact someone at the branch and verify. I waited for them to call, but nobody at the branch answered the phone. 
They take 9 days to verify cash transactions? They also did the same thing when I made a deposit through the atm into my checking account. I had to call and wait, and then go through verification that a deposit of CASH was made. 
They are sitting and holding peoples money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XXXX XXXX, XXXX I leased a new XXXX XXXX XXXX from the dealer XXXX XXXX XXXX XXXX located at the address XXXX XXXX XXXX XXXX XXXX, NJ XXXX. The lease company is Ally Financial. They said there will be XXXX downpayment, but I made {$3000.00} payment. Overall, I am overpaying for the car. I paid {$3000.00} downpayment plus the first month payment of {$600.00}. And my monthly payments are {$600.00} for 39 months. The dealer quotes the same car for other customers for around $ 400 monthly payments. So they charge me extra {$200.00} per month. I went to the dealer to ask why I am overpaying. Their reply was " you already knew that the payments will be {$600.00} ''. They didnt give a fair explanation why I was overpaying than other customers. I feel like they tricked me and made me pay a lot of money. Plus my credit score is excellent. It is not that I am overpaying because my credit score is bad. Please approach the company for a reasonable answer why I am overpaying for the lease. $ 600 monthly payments with {$3000.00} downpayment is a lot of money. They tricked 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 2017-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
I have wrote CSA about a debt that I was seen on my credit profile. I finally reached out to the company and asked them to validate/verify this debt. They have yet to verify it. They are in violation of my consumer rights. I have asked them to send me copies of any signed document stating that I have made any kind of agreement with this company ( CSA ) stating that I agree to pay CSA. They have not sent me a contract or binding agreement that shows my original signature and they are required to do according to FCRA. Not to mention this is addressed at an address that I DO NOT reside at and never have and not to mention they have a contact number that has never been assigned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Check from tenant rent of {$870.00} deposited into Bank of America ATM XXXX/XXXX/XXXX Drawn from XXXX Bank XXXX banks located in MA XXXX on HOLD until XXXX/XXXX/XXXX by XXXX XXXX XXXX XXXX states " paying Bank information indicates item may be returned '' This information should have been given prior to completing this deposit I would have cancelled the deposit and gone to paying bank for cash or informed tenant I now have {$870.00} virtually seized for at least 10 days without any warning and can not discuss this with tenant until this issue is resolved If I do not act quickly there will be all types of overdrafts from using these account If the ATM can act this quickly to hold funds it could inform me prior to completing deposit

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 2017-09-05 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: MO

Complaint narrative:
I have send Equifax several letters disputing inquiries that I did not authorize. For the following companies : 1. XXXX-XX/XX/XXXX 2. XXXX XXXXXX/XX/XXXX 3. XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX-XX/XX/XXXX 5. XXXX XXXX XXXX-XX/XX/XXXX. 
The last letter send certified with tracking number XXXX in which was received XXXX XXXX by Equifax and they have ignored my letter. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I have reached out to this company 4 times in the past XXXX months about validating XXXX debts that are showing on my credit report. There has been no response from this company what so ever. I will attach my fourth letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hello. 

I am filing this complaint due to an issue with the promotional bonus on a CitiBusines XXXX credit card not being honored. The promotional bonus was XXXX XXXX miles if {$3000.00} in spending is completed within the first three months. The spending was completed as required and Citibank is refusing to honor the bonus stating that it is only available once every 24 months. I can confirm that there was no restriction on this application stating that this bonus was only available after 24 months. 

I sent a secure message about this but there was confusion because they claimed I was already provided the miles on XXXX/XXXX/XXXX. However another representative looked further into this and was correct in determining that those miles were provided to my account due to an error on another card account ( ending in XXXX ). So to be clear, they finally honored a bonus they were disputing on another credit card account, but made it clear that they could honor this one with evidence regarding the promotional bonus. So, they then requested evidence that my current account number ending in XXXX had a bonus associated with it. Including the request Please send a copy of the front and back of the offer you received on your Citi Business American Air World account ending in XXXX. 

This request for front and back does not make sense, however. There is no front and back of an offer. This was an online application link that was not related to a mailed offer. Below is full link that was used at the time : https : //www.citicards.com/cards/credit/application/flow.action? XXXX & XXXX & XXXX & XXXX & XXXX The evidence I can provide are screenshots from my application. It is clear that they do not show any language relating to the bonus not being available within 24 months of any AAdvantage card being opened or closed. 

I already faxed this dispute directly to Citibank with evidence on XXXX XXXX, XXXX and have received no response. On XXXX XXXX, XXXX I sent this same dispute by mail and in almost a month have received no response. So now I am forced to file a complaint with the CFPB regarding this issue. 

Thank you for looking into this and your prompt response.

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 2017-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am living in XXXX but worked 2 months at the University of XXXX in 2011 and opened a bank account at Wells Fargo that time. I have about {$800.00} in my account and requested a credit card to get access to my money. The bank refuses to send me the card to my home address ( although this is the address they have in file ) and the only option they offer to get access to my money is that I should personally visit a branch. Of course the time and cost for travelling from XXXX to USA is  more than {$800.00}, so it is impossible in practice. They state that they can not verify my identity otherwise and rejected my suggestion that I will scan my ID or proof my identity otherwise. Thus, Wells Fargo do n't offer me any way to get access to my own money.

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 2017-09-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America is one of the worst companies i dealt with. First of all there is no way on contacting them about the claim. I submitted the contract to them, something they asked for and they did not respond to me yet about that. Also they send me a letter saying that quote " The merchant indicated that they had to save you as you had taken the boat in the water too far ''. Can you please tell me what a XXXX is that? How you can take XXXX dollars from you account because somebody said this and said that. Unbelievable unprofessional behavior from a Bank like this. It looks to me that they don t want to bother looking for answers and defending their own client, since its me that has to pay all the money. I would like full investigation and return my money on my account. This is not a game and you can not take me for XXXX  sending this childish explanation.

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 2017-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 
XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation