vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
Known that debt had to be paid, had a major health issues starting in XX/XX/2018, funds were not always available to pay my bills in full/on time, explained the situation, closed account and asked for the final bill and to get the FINAL amount owed for the Cable Service ( Internet, TV, phone service ). 

Promised to pay {$50.00} dollars per month to original creditor, but to no avail, it was sent to this collection agency Diversified Consultants and it has been a nightmare ever since, and Diversified Consultants stated that I did not keep with the previous arrangement I made with the in XX/XX/2018, and it ( the account ) will be sent back to the original Creditor XXXX/XXXX. contacted original Creditor to make a final arrangement to pay them back at the rate of {$50.00} dollars per month or more to relieve this debt. 

But they are still constantly phoning me and they placed it in collection on my credit report, as they told me that it wouldn't as I had made a previous arrangements with them to pay {$50.00} a month, and this is not so, as I received a copy of my free credit report from XXXX and it is showing in collection and am awaiting the reports from XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: VA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: VA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have been trying to dispute something on my Experian credit report so it can be taken off for the last 3 weeks and each time it comes up not available at this time. I have emailed the company with my question as to why their dispute is not working, with no reply.

I even made a screenshot so that I could send that to them.

I have been trying to build my credit up and this has knocked my credit down by 19 points, this is why I'm trying to dispute.

I have had a lot of problem with Experian not removing things off my report.

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 2019-02-13 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX account was paid and closed in XX/XX/2006 and is still showing as an negative account, it was sold or transferred to a different company, tried to call the # on the credit report, that number is no longer in service and belongs to a different company that pertaining to the original Creditor or agency that my account was turned over to.

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 2019-02-13 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: Clarity Services
State: FL

Complaint narrative:
This new complaint is in response to a recent one ending in XXXX against Clarity Services. Their response to me was robotic and made no sense whatsoever : " In response to this complaint, on XX/XX/XXXX, Clarity Services Clarity contacted the consumer to request the information necessary to assist with their concerns. On XX/XX/XXXX, Clarity contacted the consumer to assist with their concerns. On XX/XX/XXXX, Clarity received the information to verify the consumer. On that same day, Clarity processed their dispute request. As of XX/XX/XXXX, the consumer has not requested any further actions be taken with their file. '' I was and am disputing within CFPB 's platform. I already stated from the BEGINNING what my complaint and desired resolution was : an inquiry that's illegally reporting and needs to be deleted immediately! So what in the world were they talking about that " consumer has not requested any further actions be taken with their file ''??? That's not true. Moreover, I have no clue where this inquiry came from and Clarity responded to me with ZERO PROOF of where this rogue hard inquiry came from! The illegal inquiry was made by them on XX/XX/XXXX and needs to be deleted! It's unauthorized & not mine! My ID is attached!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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:
I have disputed inaccurate accounts on my credit report with Equifax more than four times. Where they have resolved some of the items they refuse to resolve the remaining. I am continuously told they have verified the remaining accounts however when I request the method of verification/validation they instruct me to reach out to the creditors reporting the items. I am currently unemployed and these inaccurate items are seriously damaging my credit standing and preventing me from securing employment. 

DISPUTES DATES AND RESULTS 1. XX/XX/XXXX - One account Deleted 2. XX/XX/XXXX - Four accounts Deleted 3. XX/XX/XXXX - Equifax initiated a Fraud Alert on my credit file. 
4. XX/XX/XXXX - Deleted accounts Added back 5. XX/XX/XXXX - Request for Method of Verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 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: MO

Complaint narrative:
I have been plagued for months over the following accounts inwhich I've repeatedly requested to be blocked from my credit report due to the fact that I do not have any relationship with the following creditors, ( 1 ) XXXX XXXX, {$0.00}, ( 2 ) XXXX XXXX XXXX, {$26000.00}, ( 3 ) XXXX XXXX XXXX {$1000.00}, ( 4 ) XXXX XXXX XXXX, {$920.00}, and I yet to receive my request for the Method Of Verification inwhich your company / companies has conducted, who, when, where, and how did the above accounts get considerated verified, please send me physical documentation of your verification. Or as stated in the FCRA if the accounts are not being verified by physical documentation then they shall be blocked, deleted, and/ or removed immediately.

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 2019-02-13 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: MO

Complaint narrative:
I have been plagued for months over the following accounts inwhich I've repeatedly requested to be blocked from my credit report due to the fact that I do not have any relationship with the following creditors, ( 1 ) XXXX XXXX, {$0.00}, ( 2 ) XXXX XXXX XXXX, {$26000.00}, ( 3 ) XXXX XXXX XXXX {$1000.00}, ( 4 ) XXXX XXXX XXXX, {$920.00}, and I yet to receive my request for the Method Of Verification inwhich your company / companies has conducted, who, when, where, and how did the above accounts get considerated verified, please send me physical documentation of your verification. Or as stated in the FCRA if the accounts are not being verified by physical documentation then they shall be blocked, deleted, and/ or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: IL

Complaint narrative:
- I signed up for a day-trading course from XXXX XXXX XXXX, with the agreement of ( 4 ) payments of {$140.00} which is {$580.00}, using my Bank of America credit card. After ( 1 ) month of making ( 4 ) weekly payments, I received another charge from XXXX XXXX of {$190.00} that was charged on my BOA credit card again. 

- I reached out to XXXX XXXX via email - who told me that the {$190.00} was charged because I failed to cancel the service before ( 30 ) days. I explained to XXXX XXXX that I assumed that I was purchasing an individual product and not a subscription service ( as the company offers both of these, but the individual product does not expire and the subscription service does ). The company sent me back a lengthy and clear listing of their terms and conditions, which clearly showed me that the product that I purchased was a subscription service, and if I did not cancel within ( 30 ) days a monthly charge of {$190.00} would apply. 

- However, these clear and concise terms that XXXX XXXX provided me, was very inconspicuous on the email ads that was used to entice me to purchase the service. Specifically, XXXX XXXX used a browsewrap having only a hyperlink disclaimer that was located way below the ordering link, in which there was no reason for me to continue to scroll down to see it. Legally, this type of unreasonably difficult to locate terms and conditions is not valid, binding, nor can it be enforced. 

- On XX/XX/2018 I disputed the charges with BOA ( 4 ) {$140.00} charges as the service was not even working while I attempted to use it and overall I was completely dissatisfied with the service because it was not what was offered to me and I also disputed the {$190.00} charge as this was not even authorized. These charges were reversed and was I provided a credit by BOA, I received a letter from BOA days letter explaining that the dispute was under investigation, and I may need to provide evidence if the merchant disagreed. Shortly after, the charges were applied back to my account.

- However, BOA failed to send me a written explanation as described by the fair credit billing act. I only became aware of this by calling to make a payment on my account which was much longer than the 10 days that the investigation was convened. I still reached out to BOA after finding these unbeknownst charges being reapplied to my account, but because the investigation ended more than 10 days, BOA denied even reading or reopening my dispute case.

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 2019-02-13 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: CA

Complaint narrative:
I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done ... XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I Am Having A Problem With Problem With TD Bank With and Overdraft Fee That I Am Being Charge on My Saving Account for {$35.00} Dollars For A Transfer that was Made On My Account Via My XXXX Checking Account and TD Bank is Denied To Credit Any Fees On My Saving Account and Also Via The Customer Service Phone Number

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-13 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: CA

Complaint narrative:
I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed inaccurate reporting of a Bankruptcy on my credit report with Equifax more than four times. I filed for Bankruptcy and was discharged XXXX. It should no longer be reporting on my credit report. I am continuously told they have verified this bankruptcy which can not be accurate. 

DISPUTES DATES AND RESULTS 1. XX/XX/XXXX - One account Deleted 2. XX/XX/XXXX - Four accounts Deleted 3. XX/XX/XXXX - Equifax initiated a Fraud Alert on my credit file. 
4. XX/XX/XXXX - One account Added back 5. XX/XX/XXXX - Request for Method of Verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 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 — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
" I have an overcharge of {$250.00} on my current balance. I do owe {$480.00} for purchased transactions as of past XXXX statement XXXX. Upon review ... ..here 's the breakdown ; as of XX/XX/XXXX, my purchases amount totaled {$440.00} minus refund from XXXX XXXX of {$94.00} and my payment credited {$150.00} on XX/XX/XXXX. Then, i subtract {$240.00} minus {$440.00} with a remaining due {$190.00}. I submitted another payment was made in amount of {$440.00} on XX/XX/XXXX. Transactions from XXXX and the XXXX XXXX totaled {$930.00} minus that payment of {$440.00}, credits/refunds of {$2.00}, {$11.00}, {$27.00} as of current period ending XX/XX/XXXX. Current balance owing is {$480.00} and NOT {$730.00}. Please reView and adjust my account immediately. ''

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 2019-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I'm following up on complaint number XXXX submitted on XX/XX/2019, regarding a car title held by Citibank NA. The title had been incorrectly sent to them by a car dealership, even though the car was paid full in cash. 

Citibank NA sent me a letter by urgent mail stating that they had no interest in the vehicle and authorizing to release the car title. However, my car dealership checked with the California DMV and the latter stated that this isn't enough evidence to issue a new car title under my name. I urgently request Citibank NA to submit an electronic release to the DMV, per the instructions copied below from the California 's DMV website. 

My title should be sent to : XXXX XXXX XXXX , XXXX  XXXX ( XXXX  ), XXXX XXXX, XXXX, California. 

-- -- From website : XXXX XXXX XXXX XXXX XXXX Legal owners that participate in DMVs ELT program will have an electronic record. When you make the final payment on your loan, the legal owner submits an electronic release to DMV. Make sure your mailing address on DMVs record and your legal owners record is current before making the final payment. When the electronic release is received, DMV will issue a new Certificate of Title and registration card showing the registered owner as the sole owner. ''

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 2019-02-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I contacted capital one numerous times. I disputed these fraudulent inquiries 4 times with XXXX, XXXX and XXXX. I contacted the cfpd and asked your company to investigate this. 

I really need help removing fraudulent information that is being reported incorrectly on my credit report. 

Capital one told the CFPB that thy investigated this and only found that 2 of the inquiries were fraudulent and the rest were validated. What human being in their right mind would apply for credit from the same time this many times? None, no one. 

All these inquiries should be removed immediately. They know these inquiries are not mine. They know someone is contacting their company pretending to be me. So why won't they remove all of this information from their files and my credit report. 

I asked them for signed contracts, documented proof and validation. They failed to provide me any of it. 

How did they verify the rest of the inquiries and what is different between the two that were fraudulent and the rest that were not. 

Theses are illegal, they are violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA

Complaint narrative:
Hi, My account has been locked for over a year. I have written several emails, postal lettrs requesting access to my account- but all in vain. 
I am in a different country ( XXXX ) ; and I called in on the helpline- the automated server acknowledged that they knew I was having trouble accessing my account, byt kept me on hold for over 15 mins, but no rep came on the line. 
This lock has prevented me from accessing my loans, dented my credit score negatively and caused me great emotional stress as my loan amount keeps increasing and I keep getting payment reminders. 
I have email proofs that I have been trying to access my account since the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MiraMed Revenue Group LLC
State: FL

Complaint narrative:
I received a notification that Miramed Revenue Group at XXXX XXXX XXXX XXXX XXXX, IL XXXX has reported an unknowledge account against me, I have no knowledge of this account, never received NOT 1 bill. So how they ruin someones credit without providing accurate information.Never recieve ANY DOCUMENT about this bill. Thats a violation of the FDCPA/HIPPA. I want a complete COA, DOS,  Itemized Bill within 30 days. I want this deleted and removed from my all 3 credit reporting agencies.. I will Be reporting this company to BBB also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.

Complaint narrative:
Hi Team, My name is XXXX XXXX, my credit score is showing average, because of XXXX XXXX XXXX and credit card. 

I surprised to see my credit rating report They mentioned like for an year I defaulted in XXXX XXXX XXXX, when XXXX amount deducting from my account on time to time without fail, how come they do like this? 

Coming to my XXXX XXXX credit card, whi ch got closed 4yrs back, no dues but still its down grading my credit score. Which is reduculous Please help to whom I can approach Regards XXXX

Company response to consumer: Closed with explanation