vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I obtained legal advice through XXXX XXXX law firm to assist me in communicating with Bank of America requesting their consideration for settling my credit card debt. The amount owed was {$5900.00} as of XX/XX/2019 billing cycle. At this time, due to two different trips to the ER for an XXXX XXXX, several trips to the XXXX, multiple car repairs that were needed, I was concerned that I would not be able to quickly pay down my credit card and it would eventually be charged off. I intended to get ahead of this, and hoped Bank of America would try to work with me. 

On XX/XX/XXXX, XXXX XXXX sent a letter on my behalf requesting that perhaps a settlement could be considered, along with more affordable monthly payments of {$150.00}. 

I continued to receive bill statements from Bank of America, but no response to that letter. On XX/XX/XXXX 's billing cycle, the amount due had risen to {$6400.00} with late fees and interest incurred. 

On XX/XX/XXXX, I contacted the law office again and stated that I had not received a reply. They had also not received a reply. They again sent a letter to Bank of America requesting a reply. 

Finally in XXXX, I personally called Bank of America. They stated that they are not required to reply to such letters. I found this to be in bad say. I had waited several months, thinking that my case was under review with them, and it was simply being ignored. This delay of processing continued to negatively impact my credit score, and has now increased the amount of money owed to Bank of America while I waited for several months hoping for a response on their part. 

On XX/XX/XXXX, XXXX XXXX reached out to Bank of America to inform them that they no longer represent me. 

On XX/XX/XXXX, XXXX XXXX reached out to me directly to inform me my account had gone to collections, however Bank of America sent the letter to them, not to me, as they should have. Again, this has caused a delay in my ability to respond in a timely fashion.

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 2019-08-06 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: LA

Complaint narrative:
I called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove

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 2019-08-06 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: DISCOVER BANK
State: NC

Complaint narrative:
I'm currently in a divorce. Sometime back in XXXX I had an alert that my credit had dropped. My score at the time was about 810. Logged into and reviewed my credit cards and noticed a Discover card with a {$20000.00} balance. I called Discover explained my concern. Sure enough the acct was opened by a mail in. Card is in my name but ex is the only authorized user and her cell and email address was listed as contacts. Discover refused to give me the full acct number. They opened a fraud case. Discover does send me the statements. There was a XXXX balance at date of separation. In two months ex charged {$20000.00} out of spite on a card I had no knowledge of. Discover got back to me and said after reviewing, there was a few payments made from a joint checking acct, I also didn't know about this acct either! So because of this loop hole they could not charge fraud. I've called several times, spoke to many reps and basically get a new story each time. I even went to the police attempted to file charges, their hands were tied too. On XX/XX/XXXX I called and spoke to XXXX # XXXX. He informed me that if I made a {$200.00} payment then Discover would re-open the case and then this would be taken off my credit. They have yet to keep their end of the deal. I have the money to pay in full and will but I want my once perfect credit to be restored. I'm a victim of Discover being able to send a mail in request for card, loop hole of payment being made from checking that had my name and a malicious ex. All I'm want is my credit restored to the XXXX it was and Discover can have their money IN FULL!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sherloq Group, Inc
State: IL

Complaint narrative:
a rather unfamiliar company contacted my ex wife 's father, my aunt, my mother, and my sister, my workplace and my home phone to try and collect a debt that i am unfamiliar with and it is NOT LISTED in my credit report one, and two threatened severe legal action in an abrasive demanding tone and hung up on me only to call me 5 more times that day.. i demanded the documentation for the debt as per my right to know who i owe and how much and was told that she didnt have the account information and would not mail me the papers.. in my eyes it is not in my credit report or debt report at all and the amount is pretty heinous over {$1000.00} for a " payday '' loan but i dont qualify for ANY loans ... im recovering from a divorce and dont qualify for lending or financing anywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$0.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 14 of the attached credit report. ) This account should never have gone to collections. XXXX XXXX XXXX was sending the bills to an address that was over ( 4 ) years old so I was not aware that this account was ever in collections. I contacted XXXX XXXX XXXX and paid this. The insurance company was never billed for this service. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 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: LA

Complaint narrative:
I called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove

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 2019-08-06 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: LA

Complaint narrative:
I called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Hello,I would like to dispute a convergent collection for XXXX XXXX XXXX.  I have tried to dispute it with XXXX XXXX XXXX, Convergent, XXXX and somehow the collection still remains. A balance of XXXX$ remains for the billing period XX/XX/2018-XX/XX/2018. I moved out of by XX/XX/2018.

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 2019-08-06 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: DE

Complaint narrative:
The XXXX corporation has Fraudulently Sent information to the Equifax credit company that I have opened a account with them. I have tried to reach XXXX corporation and they not returned my call as ofXX/XX/2019 XXXX. I have a complaint and copy that I hot from Equifax and Equifax has stated that they have a response from XXXX corporation that they have invested the dispute and have the finding. This is still a FRAUD case that I feel needs to be investigated. I feel a penalty should be placed on XXXX Corporation and Equifax for not informing of this Fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX account number XXXX for {$18000.00} did not provide any sign contract or anything bearing my signaute.

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 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX account number XXXX for {$18000.00} did not provide any sign contract or anything bearing my signaute.

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 2019-08-06 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: TX

Complaint narrative:
I called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
No need to send these details to Huntington as I have already tired to resolve the issue with them to no avail. 

I recently opened a Money Market Account with Huntington Bank, XXXX XXXX XXXX, XXXX XXXX, OH. Within 6 weeks of opening the account, I noticed Huntington had listed my Money Market Account as OD protection for my granddaughter 's debit card without my knowledge or consent about the same time as she had overdrawn her account. To make matters worse, Huntington credited her account with {$100.00} of my money when she had only overdrawn the account by approximately {$20.00}. I guess Huntington would have continued to deplete my Money Market Account to satisfy my granddaughter 's debit card until my account was empty if I had not noticed. 

Since when do banks have the authority to do what they want with our money? This is fraudulent and very scary.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-06 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: GA

Complaint narrative:
I been working with experian in regard to clean up my credit report I'm a victim of identity theft I'm also having the same trouble with XXXX  both these companies refusing to clean my credit even after proper documents have been provided to the company I currently have a dispute with your company consumer finance my number is XXXX same information I faxed over today pertain 's to experian right now I'm asking this company to fix my credit XXXX XXXX last 4 of social XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/1975

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 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/19 I went my bank and made a over draft that put my account over XXXX not - {$300.00} over the bank of America owe me {$110.00} due over charging over draff fees and now I want all fees to be waived and this isn't the the first time that bank of America has did this to me, I'm requesting an investigation into this issue and this company need a professional baby sitter looking over shoulder to make sure that none of these workers are stealing money from customers.the problem is the bank of America charged me to much over over draft fees, I believe that the XXXX lady their had something to do with stealing my money as I am having problems with a XXXX family that live across the street from me and I believe that each and every bank worker at bank of America took a part in fraud and co-conspiracy in over charging my checking account sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received communication from XXXX XXXX, XXXX and XXXX XXXX notifying me of recent unauthorized credit inquiries. These inquiries occurred mostly from XX/XX/XXXX-XX/XX/XXXX from multiple agencies. I am concerned as I feel an unscrupulous automobile dealer has done this. Please remove these inquiries. Companies noted with unauthorized inquiries include : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX/XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX/XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX   XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX/XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Additionally, I did not authorize the following credit inquiries : XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2019-08-06 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: Atlanticus Services Corporation
State: AL

Complaint narrative:
Hi I see a couple of hard inquiries on my credit report. I just filed bankruptcy and these inquires shouldn't be on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: TX

Complaint narrative:
I called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove

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 2019-08-06 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: TX

Complaint narrative:
I called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove

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 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$0.00} on the MILE HIGH AMBULANCE partial account number XXXX. ( Please see page 14 of the attached credit report. ) This account should never have gone to collections. XXXX XXXX XXXX was sending the bills to an address that was over ( 4 ) years old so I was not aware that this account was ever in collections. I contacted XXXX XXXX XXXX and paid this. The insurance company was never billed for this service. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-06 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: CO

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$0.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 14 of the attached credit report. ) This account should never have gone to collections. XXXX XXXX XXXX was sending the bills to an address that was over ( 4 ) years old so I was not aware that this account was ever in collections. I contacted XXXX XXXX XXXX and paid this. The insurance company was never billed for this service. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Commercial Recovery Systems
State: FL

Complaint narrative:
I received a call on my personal cell phone on XX/XX/2019 at XXXX XXXX ( Eastern ) from a man looking for my father. They told me that " someone '' gave them my number despite not even knowing who I am or relation to who they were trying to reach. They did not tell me who gave them my number.

They asked me to pass their contact information to him so that they may discuss " financial litigation '' with him. I asked what it was concerning, but they declined to tell me. 
This call was polite enough and I actually agreed to pass the contact info on. 
He said his name was XXXX from CRS and Associates Today ( XX/XX/2019 ) at XXXX, I received a call from the same number but was unable to take the call. I was left with a voicemail implying legal action was going to be taken as it was the final contact notice and the paperwork was going to be taken off the desk at the end of the day. I had already informed them that I was not the person they were seeking, yet the caller stated that it was " solely intended '' for my father. They know I am not my father, but still give me a message that they know only he is supposed to hear? 

The phone number that the call appeared to come from both times was a local number to me, but the contact information they gave me was located in another state.

Company response to consumer: Untimely response