vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I signed up for a free trial for XXXX XXXX cream which claimed that for {$4.00} a sample of their product was to be delivered to my house. 

This scamful, deceitful company sent 1 bottle of their supposedly sample cream and charged my account at 4 different times ; twice for {$53.00}, and twice for {$88.00}. 

Not only is the company indifferent to the fact, but my calls get dropped by their " customer service '' agents. Bank of America claims that due to me receiving a small sample of the cream that was supposed to be {$4.00}, that I'm held liable for the charges incurred. 

As I do research for the company that is running this deceitful scam, the amount of reviews from people having the same issue as I do is surprisingly high. 

My account is now overdrawn for {$230.00} since the charges where put back in my checking sccount due to the claim being closed and will most likely being incurring another {$36.00} for their overdrawn fees. This is very overwhelming. 

Bank of America isn't doing anything at all to help resolve this and they clearly know the issue at hand. I just don't know what to do other than bring this injustice to the 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 monetary relief
Consumer complaint received 2018-06-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
My name is XXXX XXXX, XXXX XXXX XXXX, XXXX Texas, XXXX My husband and I bought this prepaid Visa one year ago. We put {$100.00} on this prepaid Visa. We we tried to activate it we were told the company had no record of the card. We contactedU.S.Bank/U.S.Bankcorp/XXXX XXXX XXXXXXXX at the number on the back of the card, which was, XXXX, many times, but could never manage to get someone on the phone. After many frustrating months, and numerous phone calls We managed to speak with someone who informed us that the card had a {$0.00}. We weren't able never able to even activate it much less use it and again were told there was nothing they could do. The card value was {$100.00}, and is currently valid through XX/XX/2021, as stated on the front of the card. We are asking that CFPB please make others aware of this problem to prevent this type of fraud happening to anyone else! And, if in the process, CFPB could assist us is receiving our money back, we would be very grateful! Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Texas 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 2018-06-09 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: MD

Complaint narrative:
From XX/XX/2018 I have been disputeing two account with Experian XXXX XXXX   XXXX and XXXX XXXX XXXX XXXX XXXX please note including your Method of Verification. I do notconsent to XXXX or any means of automated verification. yet Experian allowing XXXX XXXX and XXXX XXXX XXXX XXXX to report Verfied over and over after a re- ivestigation. also Account on my Credit report not showing the Full acoount number is inaccurate .FCRA section 611 ( a ) ( 1 ) ( A ). FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) .The credit reporting agency must give you the method of verification information within 15 days of your request.A third party database was likely used to verify the disputeditem automatically, which is insufficient. XXXX XXXX and XXXX XXXX XXXX XXXX File have not provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. i have also file a Identity Theft report with the Federral Trade Commission Report Number XXXX and place a Fraud Victim alert on all my credit report. yet they file to remove these account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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 am exhausted in regards to the accounts that are not associated with me, I have filed an identity theft report and have faxed over to all three credit bureaus. I have contacted XXXX, XXXX, and Trans Union via phone, fax and certified mail and haven't had any luck in getting anything resolved. I'm trying to buy a home and these accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my accounts where tied to my name which I have not opened : XXXX XXXX in the amount of {$470.00}, XXXX XXXX in the amount of {$670.00}, XXXX XXXX XXXX in the amount of {$590.00}, XXXX XXXX XXXX in the amount of {$750.00}, XXXX XXXX XXXX XXXX in the amount of {$600.00}, XXXX XXXX XXXX in the amount {$390.00}, XXXX in the amount of {$86.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I used XXXX XXXX XXXX to get a settlement of a credit card debt, ( 1 ) the settlement resulted in a debt reduction of {$7200.00} was agreed to and all the balance ( {$6100.00} ) payment made in 12 monthly payments, until paid in full. Upon completion of settled payoff XXXX Sold the Reduction amount of {$7200.00} to XXXX XXXX  XXXX, XXXX. as unpaid debt. Now XXXX XXXX  XXXX, XXXX are Seeking payment in full for the amount of {$7200.00} as a debt owed to their company and notified all Credit Bureaus of lack of payment in the debt collection progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: ID

Complaint narrative:
Timeline of events : XX/XX/XXXX Pulled credit report, Bankruptcy listed.XX/XX/XXXX Sent letter to BK Court verifying reporting to CB.

XX/XX/XXXX Called Lexis Nexis to remove, they " verified '' bankruptcy.

XX/XX/XXXX Received letter from BK Court.

XX/XX/XXXX Pulled credit report, still listed.

XX/XX/XXXX Sent letter to Lexis Nexis certified asking to verify.

XX/XX/XXXX Letter was delivered and signed for.

XX/XX/XXXX Received a response Lexis Nexis " verified '' bankruptcy.

XX/XX/XXXX Pulled credit report, still listed.

XX/XX/XXXX Sent 2nd letter to Lexis Nexis with letter from BK Court to verify 2nd time.

XX/XX/XXXX Letter was delivered and signed for.

XX/XX/XXXX Received a response Lexis Nexis " verified '' bankruptcy again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: MD

Complaint narrative:
From XX/XX/2018 I have been disputeing two account with Equifax XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX please note including your Method of Verification. I do notconsent to XXXX   or any means of automated verification. yet Equifax allowing XXXX XXXX and XXXX XXXX XXXX XXXX  to report Verfied over and over after a re- ivestigation. also Account on my Credit report not showing the Full acoount number is inaccurate .FCRA section 611 ( a ) ( 1 ) ( A ). FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) .The credit reporting agency must give you the method of verification information within 15 days of your request.A third party database was likely used to verify the disputeditem automatically, which is insufficient. XXXX XXXX  and XXXX XXXX XXXX XXXX  File have not provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. i have also file a Identity Theft report with the Federral Trade Commission Report Number XXXX  and place a Fraud Victim alert on all my credit report. yet they file to remove these account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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 have contacted Equifax several times now. By phone to their ID Theft / Fraud department. Also by email. By online dispute, by mail. Nothing is resolving the Identity theft that has occurred on my credit report that EQUIFAX Refuses to block. Per the FCRA you have a right as a consumer to request any fraudulent accounts and or debt collection efforts to be blocked if you are a victim of Identity theft. They have been notified of such accounts and yet refuse to block these accounts from my credit files, even though other reporting agencies. XXXX, and XXXX have already blocked the information.

I want the XXXX XXXX XXXX XXXX  accounts blocked. I did not authorize these accounts, i did not benefit from these accounts. You are reporting these inaccurately then advising me these are my accounts. Per my AFFIDAVIT I am a victim of ID Theft. As a consumer whom has been a victim i have a right to request the fraudulent account be blocked from my credit file. I am exercising this right.

Lastly there is a account from XXXX XXXX XXXX that i did not open. I also did not receive benefit from this account and discovered this account after my wallet was stolen and my ID was used to open this fraudulent account. Additionally all of the XXXX XXXX XXXX XXXX XXXX accounts are fraudulent. I did not open any accounts with XXXX XXXX XXXX XXXX XXXX. I have never opened an Auto Loan with them, Nor have i opened any credit cards nor a line of credit. All of these are showing as Charged off. These are fraudulent and i want them blocked from my credit file immediately. There is also an account with XXXX XXXX XXXX that XXXX XXXX has verified that is fraudulent since i have already reported identity theft to XXXX XXXX. They solved this with their Online Fraud Department and their Identity Theft Operations departments which verified i am a victim of ID theft and they stated they would remove it from my credit file immediately.

Additionally you are showing a XXXX XXXX  credit card. This was also opened fraudulently. I am working diligently with these Card companies. I want this information blocked from my Equifax Credit file per the FCRA requirements since i am a victim of Identity theft and i am providing you with a Law Enforcement Affidavit below. Please update your files immediately and send me a new credit report with the blocked information deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted a dispute on an item through the Equifax online option. I received information that the investigation was completed and for me to check the results online. I have attempted to review the results on numerous occasions. The Equifax system advise that they can not confirm my information. This is a standard practice with Equifax with not allowing me access to credit file and or investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc.
State: KY

Complaint narrative:
Merchants Adj Service has willingly reported to the three credit bureaus a debt of {$91.00} XXXX XXXX XXXX XXXX. I never received a notice of right to dispute by mail from them at my Current address. I have contacted them several times demanding they remove the reporting and resend the file to my medical insurance provider as my claims are covered 100 % by either Medicare or Medicaid in the state of KY. They have ignored all attempts to comply to the FCRA on reporting and the FDCPA on the proper procedure of rights to disputing. I will continue to exercise my rights under the FCRA filing regularly under the CFPB portal including but not limited to litigation if deemed necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: MD

Complaint narrative:
From XX/XX/2018 I have been disputeing two account with TranUnion XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX please note including your Method of Verification. I do notconsent to XXXX  or any means of automated verification. yet TransUnion allowing XXXX XXXX  and XXXX XXXX XXXX XXXX to report Verfied over and over after a re- ivestigation. also Account on my Credit report not showing the Full acoount number is inaccurate .FCRA section 611 ( a ) ( 1 ) ( A ). FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) .The credit reporting agency must give you the method of verification information within 15 days of your request.A third party database was likely used to verify the disputeditem automatically, which is insufficient. XXXX XXXX  and XXXX XXXX XXXX XXXX File have not provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. i have also file a Identity Theft report with the Federral Trade Commission Report Number XXXX and place a Fraud Victim alert on all my credit report. yet they file to remove these account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: MD

Complaint narrative:
I contacted the Equifax office of consumer affairs on XX/XX/XXXX to request a copy of my credit file. I was advised that someone would contact me. I did not hear back from anyone so I contacted them again on XX/XX/XXXX. Once again I was told that someone ( the person handling my file ) would have to contact me back. I contacted them again on XX/XX/XXXX and was finally told by a representative that they would send the report out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
Gla Collection Compa has sent a debt to all three credit bureaus of a {$32.00} debt that was handled by my Medicare and Medicaid. I have spoken to my Medicare insurance provider and they stated I shouldn't have any claims sent to the credit reporting agencies as this is an violation under the FTC under Medicare Filings act. XXXX XXXX XXXX XXXX sold the account to GLA collection which I notified GLA of this violation and they told me they was going to continue to report it anyway to the credit bureaus. I sent legal affidavits to the credit porting agencies and GLA keeps verifying the debt is in compliance of the FCRA which it isn't. Now I am requesting the CFPB to get involve, Medicare has stated to me several times to file with the CFPB against GLA, since GLA willful violates federal laws.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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:
Transunion has some inquiries and information on my report that they have not investigated even though i have reported these to their fraud department. No resolution has been provided. There is a XXXX XXXX  bank account on my Credit report. This account is showing late incorrectly. I have been a victim of Identity theft. I want this account deleted and blocked from my credit file. Additionally there is inquires that i have reported to you that you have not removed. I am attaching an AFFIDAVIT once again. Please remove XXXX Inquire, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. These are all inquiries i did not submit and i want these deleted / blocked immediately. Also i want the XXXX XXXX blocked, The two XXXX / XXXX XXXX Cards blocked which show as lost / stolen i did not open these cards and they are fraudulently reporting on my credit file. I will attach the FTC Affidavits below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient student loans, on XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX, to studies XXXX XXXX XXXX XXXX, I graduated onXX/XX/XXXX, I was unemployed, and the time Sallie Mae, send me bills to paid them, they place me into a forbearance, since I didn't have money to paid them, I didn't have other choices, just obligated to be in forbearance, and deferment today date, I owned them {$16000.00}, on my students loans .At the beginning on the loans I only owned them {$9500.00} .Today 's date that they advised me, my estimate pay off is in XX/XX/XXXX and constantly, they changes my terms on the loans, plus they keeping adding interest, adding years, too, they place me on forbearance, and deferment, at any time they wanted, without my consent, Im been struggling paid them back, two years, already, and as soon, ( Sallie mae ) change to Navient, they didn't stop calling and harassment, non-stop, and the school, too, calling me for payment, and I didn't have a job, or unemployment benefits, how can I pay them, I explained them millions of times, and they kept calling me. The XXXX, teacher, she never teach us, she only show us, TV shows of XXXX XXXX XXXX   The biggest, mistake in my life is getting in debt, for a education, that didn't teach me anything, but waste my time and energy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
filed an dispute with XXXX XXXX XXXX XXXX. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Portfolio Recovery Associates to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Portfolio Recovery Associates that not complying wit the FDCPA will put their company in a bad position with the CFPB. Portfolio Recovery Associates never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: LA

Complaint narrative:
After recently filing a complaint with Sources Receivable Management, they sent me verification documents to validate my debt. I am so very glad that they finally did. They wouldnt before I filed the complaint and now I know why. They have a totally incorrect address on both lease agreements. I have never lived in XXXX I got married two years ago so my maiden name is XXXX but the debt is not mine. My signature was forged on both lease agreements from sprint and I have a valid XXXX ID to prove this. Both lease agreements were forged. The two signatures on each lease agreement are two totally different signatures. They attached the same documents in the thier response on my previous complaint. I now have proof that debt they are reporting to the credit bureaus is indeed NOT VALID. Due to previous false reports from them saying they spoke with me and falsely notating my account saying that I agreed to pay the debt I decided to file another complaint so that I will still have my proof if I have to seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Collection Service
State: ID

Complaint narrative:
Timeline of events :XX/XX/XXXX Pulled credit report, collection listed.XX/XX/XXXX Letter sent to Action Collection Service.

XX/XX/XXXX Letter delivered and signed for.

XX/XX/XXXX No response, pulled credit report, still listed.

XX/XX/XXXXSent 2nd letter to Action Collection Service.

XX/XX/XXXX Letter delivered and signed for.

XX/XX/XXXX No response, pulled credit report, still listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation