vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has not investigated or provided any dispute results in any of my dispute investigations. I have sent a dispute letter to Transunion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I have yet to receive any communication via US Mail. 

The FCRA states that when a consumer submits a written dispute about an item on their credit report, credit bureaus must conduct a reasonable investigation of the disputed debt. Transunion did not do this. 

I have attached all 3 letters to this compliant as well as the certified receipt showing that I mailed a letter to them and it was delivered and pick up by Transunion. So, Transunion can not state that they did not receive my dispute nor can they say I didn't submit the proper identification documents because I attached those as well. 

My consumer rights have been violated not once but three times. I understand that we are in a global pandemic and Transunion may be  short staff, that's why I had given Transunion a total of 45 days to investigate instead of the standard 30 days which is required by law.

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 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Me and my twin sister 's cerdit has been merged. We both have the same initials date of birth and other than the last didgit of our social we have the same everything. when my sister go on experian it shows her name and social and my name and soical, when I try to look at my cerdit it doesn't show me anything at all. we have both contacted multiple compinies to try and get them seperated when it comes my twin she was able to talk to someone but they didn't do much. As for myself, no one will speak to me becuse they say they can't comfirm my idenity. They ask questions that pertains to my twin, I can't do anyhting at all no apartment no car no phones not even a bank account etc. I dont think anything has been done on the company 's end.

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 2020-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I discovered in XXXX the following collection on my account : RASH CURTIS & ASSOCIATES Account # XXXX Collection opened XXXX XXXX, 2020 Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/2020 {$560.00} I called Rash Curtis believing that this was an overcharge on another Medical Bill I had made arrangements. After further investigation I found out this had to do with Medical Identity Theft fraud in which someone who stolen our identity information 5 years ago had been using periodically. I disputed the account on my credit bureau and provided the police report and they still refuse to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXXCOLLECTIONSERVICES Original creditor. this company just show up on my credit report i called them several times however they still not removing it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBM Services, Inc.
State: MI

Complaint narrative:
I received a collection letter from CBM dated XX/XX/2020 for a medical debt that does not belong to me. Attached was an itemized bill for an account number XXXX for a patient named XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX, MI XXXX. The bill stated the patient had a new office visit, a XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and a XXXX XXXX XXXXXXXX. The doctor was XXXX XXXX XXXX, M.D. As a XXXX XXXX XXXX I know whos ever documentation this is, the fact that I have it is a breach of HIPAA and confidentiality. I ask that CBM immediately cease collection attempts against me for a debt that does not belong me. I have never been a patient of this physician, nor have I ever had a XXXX XXXX, or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT BELONG TO ME, I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. I AM REQUESTING TO HAVE THIS ACCOUNT REMOVE OF MY CREDIT FILE FOR IT OS NOT LIABLE TO MY NAME OR SSN. PLEASE INVESTIGATE THIS MATTER AND HAVE THIS IMMEDIATELY REMOVED. FOR YOUR CONVENIENCE, I HAVE ATTACHED AND HIGHLIGHTED THE DISPUTED ACCOUNTS.

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 2020-08-21 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: TX

Complaint narrative:
I Have sent out a debt validation letter to lenders on my credit report requesting that they show proof that they have the legal right to be on my credit reports. The dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609, and Section 611 which states if the UNVERIFIED items listed below are  not deleted immediately. I Have been ignored with each request by Experian only, XXXX have removed the negative items without prejudice. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks after they received my dispute they " Verified my account on XX/XX/2020 without proper validation. I do believe this is a prejudiced 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 2020-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2020 - I paid XXXX XXXX of XXXX XXXX XXXX  {$900.00} through XXXX, by way of Bank of America for parts he claimed I needed for my home appliances. He was supposed to complete the repairs on XX/XX/2020 but cancelled the morning of. 

XX/XX/2020 - I received a 2nd opinion from another appliance repairman who informed me that the parts and services XXXX XXXX claimed I needed were false and unnecessary. He used deception to get me to pay him {$900.00} for services that were not needed. 

XX/XX/2020 - I called my bank, Bank of America, to report a XXXX transaction of {$900.00}. I was told by the Bank of America agent that it would be investigated and if it was determined to be fraud, then they would attempt to withdraw my funds from his account. 

XX/XX/2020 - I called Bank of America back to request an update for my claim. I was told by this agent that the first agent provided me with false information when she told me that Bank of America would make an attempt to retrieve my funds from the receivers bank account. This agent informed me that my claim was considered a scam rather than fraud and they could not retrieve my money. 

Bank of America did not make it clear that there is a difference between fraud and scams and XXXX offers no protections against scams. XXXX states on their website that consumers " may not be able to get your money back '' if the victim of a scam but that statement is not definitive. The first Bank of America agent I spoke to provided me with false information stating that an attempt to withdraw my money from the receivers account would be made. I don't understand how Bank of America could allow these things to happen to their customers and why there are no protections in place.

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 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have reached out to Equifax on several ocassions trying to access my credit report online bc there are numerous inaccuracies including one showing I have an address from NY which I have NEVER resided in NY yet Equifax continues to report it and refuses allow me access online to my credit report. 

I submitted a XXXX complaint and their response was " based on information provided when you signed up we have blocked your online access '' ... .the phone reps basically tell me to literally mail my ss cars and dl photo to some XXXX XXXX and that I can dispute stuff through the mail. Yet whenever I call their automated svc can literally verify me. 

They refuse to give me any type of online acct and it is causing issues trying to purchase a home. They refuse even tell me WHEN this information supposedly was given or what it was. The phone reps are overseas and dont help at all. 

I tried to resolved it thru the XXXX  to no avail. This is my next step. Equifax doesnt even list their legal departments address to send a motion to compel should I decide to pursue action from the courts. 

All I want is access to my ONLINE account. The fact Equifax is not allowing it and will literally only mail me a credit report is nothing short of a power and control move by them. The other 2 reporting agencies have no issues and their information matches each other yet Equifax has wrong addresses, old accounts and even duplicate accounts and refuses to allow me online to address it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: AZ

Complaint narrative:
I have been a victim of identity theft and also my personal information was compromised in a data breach with EQUIFAX. I am attaching documents to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
FIRST FED CREDIT CONTROL, XXXX XXXX XXXX XXXX  this company has reported me as bad debt to the credit bureau with out my knowledge I tried to called them so many times still not remove them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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:
CFPB, regulators, national law offices and consumer advocacy groupsplease help!! 

I have given Experian a current copy of my credit report, that can be opened, that specifies what items I am disputing. 

Experian is claiming they can not open that file given to them. They response by saying they will be instead be mailing me a new report so I can start a new complaint with that report and that I should specify what items I am disputing. 

There is no need to do that because I already have my most recent credit report, I have already specified which items I am disputing, and the complaint totality has already been assembly. 

Experian, according many consumer online boards complaints, is being difficult in starting a dispute, outright refuses to start one or is simple ignoring a complaint by providing a bogus reasons such as the one given to me on my closed CFPB complaints. 

XX/XX/2020 CLOSED BY EXPERIANNO ACTION TAKEN Complaint No. XXXX and XXXX XX/XX/2020 CLOSED BY EXPERIANNO ACTION TAKEN Complaint No. XXXX and XXXX EXPERIAN IS NOT BEING PROPERLY REGULATED TO ENSURE CONSUMER PROTECTION, AS SUCH, THEY HAVE SUCH A XXXX RESPONSE ON CONSUMER COMPLAINTS. 

Please help. 

Thank you 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 explanation
Consumer complaint received 2020-08-21 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i had some lost my wallet with everything in it i had called the bank to report identity theft the bank still want it me to pay for the fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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:
CFPB, regulators, national law offices and consumer advocacy groupsplease help!! 

I have given Experian a current copy of my credit report, that can be opened, that specifies what items I am disputing. 

Experian is claiming they can not open that file given to them. They response by saying they will be instead be mailing me a new report so I can start a new complaint with that report and that I should specify what items I am disputing. 

There is no need to do that because I already have my most recent credit report, I have already specified which items I am disputing, and the complaint totality has already been assembly. 

Experian, according many consumer online boards complaints, is being difficult in starting a dispute, outright refuses to start one or is simple ignoring a complaint by providing a bogus reasons such as the one given to me on my closed CFPB complaints. 

XX/XX/2020 CLOSED BY EXPERIANNO ACTION TAKEN Complaint No. XXXX and XXXX XX/XX/2020 CLOSED BY EXPERIANNO ACTION TAKEN Complaint No. XXXX and XXXX EXPERIAN IS NOT BEING PROPERLY REGULATED TO ENSURE CONSUMER PROTECTION, AS SUCH, THEY HAVE SUCH A BRAZEN RESPONSE ON CONSUMER COMPLAINTS. 

Please help. 

Thank you 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 explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
XXXX / Continental Finance has done the following : 1 ) After paying off my entire balance they added the Annual Fee charge of {$99.00} to my account and backdated it on my statement. 

2 ) They never sent statements for me to know that there was an additional costs. 

3 ) Then I called on XX/XX/XXXX and found out that I had a 30 day late via a credit alert 4 ) I called and asked them to remove the late fees since I didn't see a statement and I paid the balance off in XXXX, as well as they needed to remove the fees and the late payment. 

5 ) They removed both late fees but refused to remove the late fee caused by their negligence 6 ) XX/XX/XXXX I process a payment to pay off the account again and the payment is cancelled 7 ) I processed the payment again on XX/XX/XXXX and they still refused to honor their mistake

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 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Due to Covid-19, my income was reduced. I fell behind on one credit card payment, my Chase  card credit card. I didnt know to contact them before hand and after I caught up on the payment that was behind, I thought everything was fine. Ive repeatedly asked multiple people at the company to remove the late mark on my credit report due to Covid and Chase utterly refuses because I didnt call beforehand. The Cares Act clearly states that Chase has the ability to help and they are refusing to help. 

Cares Act, SEC 4021.SECTION 623 ( A ) ( 1 ) ( i ) ( I ) Credit Protection during Covid-19 Please contact me at XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My company mailed a check to a client mistakenly and she deposited into her account via a bank phone application. Not realizing that the check was not made out to her she deposited it into her account and the app accepted the deposit. After realizing what she had done my client who deposited the check to her Bank of America account called B of A and asked them to reverse the deposit. B of A reversed the deposit but the check was still cashed and the funds were never reversed or redeposited back in to our XXXX account. They claim they redeposited the funds to our account but XXXX has no record of them having done so and no credit has been made, only a debit appears in the amount of {$9500.00}. I have placed a stop payment on the check which I was instructed to do by a B of A representative which has done nothing to correct the matter. This transaction occurred on XX/XX/2019. Ever since then B of A has refused to work directly with me since I don't have an account with them and because I am not listed on the account in which the funds were deposited in to. B of A is still holding my money and has refused to assist me in anyway, shape or form.

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 2020-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc
State: PA

Complaint narrative:
The account was paid I asked them to remove it off my credit report they told me that they did not received and updated or that my account was paid off I have Proof that my account was paid in full. This has caused me to go into a XXXX XXXX I am XXXX out and I cant think straight This is not fair at all please help me I am trying to purchase a house and I can not purchase my house because this is holding me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC billed me a {$25.00} fee on XX/XX/XXXX for not having sufficient funds in the right account. I rectified this issue, by transferring {$5000.00} to my virtual wallet " spend '' account ending in XXXX on XX/XX/2020. In exchange for rectifying this, PNC agreed to waive this fee. 

On XX/XX/XXXX, I was billed an additional {$25.00} fee despite having a balance of {$5500.00} in the checking account. The required minimum balance for this account is {$5000.00}. 

I was told that the reason I was billed was because the average balance did not equal {$5000.00}. PNC refused to refund the {$25.00} fee billed on XX/XX/XXXX as a result. This is not fair or ethical, as I did exactly what they told me to do in transferring the money to the checking account. PNC should refund this fee as well because it was mathematically impossible for the average balance to equal {$5000.00} due to the time it was transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: GA

Complaint narrative:
Allied Coll is reporting that they hold the debt for an account I had with XXXX. I made arrangements and paid XXXX directly, paying off the debt ( copy of payment to be attached ). Allied should not be reporting anything on my credit reports. Please remove immediately from XXXX  and 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 2020-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Someone Used My Personal Information to Open a Credit Card Account with Capital One I Was a Victim of Identy Theft Someone Used My Social Security Number to Open a Credit Card Account With Capital one and this account was never open by me someone stole my identity and Open this account on on XX/XX/2019 and is showing and i notice this happen because i see this account showing on my credit report and i dont recorgnice this account and i never OPEN Any Credit Card account with Capital one and this is not the first time this happen in the pass there was other accounts open with capital one bank and this all those accounts that where open in the pass i did not open it please help me with this problem i never apply for this credit card acccount

Company response to consumer: Closed with explanation