vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-22 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: PA

Complaint narrative:
XXXX 's acct # XXXX date:XX/XX/XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX I have disputed these acct 's to the credit bureau 's informing them again & again that I have not ever had theses 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 2018-03-22 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: PA

Complaint narrative:
XXXX 's acct # XXXX date:XX/XX/XXXX XXXX XXXX  acct # XXXX date:XX/XX/XXXX XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX I have disputed these acct 's to the credit bureau 's informing them again & again that I have not ever had theses 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 2018-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This invades my privacy with this being on my record. 
XX/XX/2017 all charges include 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 2018-03-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selene Finance LP
State: TN

Complaint narrative:
Selene Finance foreclosed on my property as I requested in the previous CFPB Case thanks to your help. They sold the property on XXXX XX/XX/2017. But since that date, they left the account in limbo. They report the account is open to all three credit agencies with {$1.00} as the balance. It has been months with no resolution. The information I gathered is all by phone and the company refuses to send me information via mail regarding the status or future of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX XXXX my account was charged off due to a negative balance, on XX/XX/XXXX, I received a letter from a collection agency stating that my account has been placed with XXXX XXXX XXXX XXXX collection agency for collections from TD bank. On XX/XX/XXXX, th a direct deposit from a previous job came to the account. On XX/XX/XXXX the account was approved for credits only by ACH, and on the XXXX of XXXX a notice was placed with the credit agency that the account was cleared up. I did not approve any credits only on this account, onced it was closed and placed with the collection agency I no longer had any affiliations with TD. Also TD Bank are making all these actions against a closed account however they have not notifed me in writting of any of these transactions they took upon themselves to do. I just want my XXXX from this closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax received my notice of disputeXX/XX/XXXX. The dispute was not open until XX/XX/XXXX. By law, they were suppose to open a dispute and notify the creditor within 5 business days of getting my dispute. The dispute was resolved XX/XX/XXXX and I was never notified.  Today is XX/XX/XXXX and I still have not received any notification of the results. My consumer rights have been violated and I will sue if this mater is not resolved immediately. This entire process has caused me tremendous undue emotional and financial distress. An account that is not mine reporting on my credit report and Equifax is giving me the hardest time to remove it. No other credit bureau is reporting this erroneous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA

Complaint narrative:
The XXXX XXXX XXXX XXXX called me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX trying to collect a debt for the same amount of XXXX as a collection agency called XXXX XXXX XXXX. They demanded that I answer the call today ( XX/XX/XXXX ) to ensure it wouldnt go on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2017 a deposit was made in my Capital One 360 checking account. The deposit was a mobile deposit by my brother in law. It was a personal check paid to him for services rendered in the amount of {$750.00}. This account also gives the ability to link other accounts so that I can manage multiple accounts including non capital one accts, in one place. After 2 or 3 days a hold was placed on my account as well as all the accounts linked to this acct. All funds in all accounts were frozen. I was ordered to call a number and was eventually routed to the fraud department. I explained as well as I could the circumstances surrounding the deposit. The agent asked that I have my brother in law call. According to my brother in law, he called spoke briefly about where the check had come from and their hesitancy to clear it. My brother offered for the return of the check so he could cash in bank.They stopped talking to him when it was learned that he wasn't primary acct. holder. To this date, almost 4 months later the deposit is held and accts haven't been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax reported XXXX owing from XXXX XXXX on XX/XX/XXXX ( Sunday ). On behalf of XXXX XXXX who informed me the account was charged off XX/XX/XXXX off of report. Gettin financing for purchase of condo. Paid off accounts to increase credit score. On XX/XX/XXXX received alert from XXXX XXXX. XXXX XXXX reported collection for {$230.00}. Credit was repaired and no reporting from XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I received no letter or phone call requesting payment dropped my score 40 points. Lender stated had never seen this during his 30 years plus in financing homes. Contacted Equaifax on XX/XX/XXXX three representatives told me to call back 2hrs. System updating, one hung up on me. This was Monday at XXXX. No report from XXXX to transition. Received report of investigation today from XXXX  debt removed. Raised red flags for me. Equaifax is fica score used for mortgage lenders. Exquifax called me today and gave back call back number. Placed call told department did not deal with disputes. Transferred to Representative named XXXX who asked me for my ss number etc. I was blown away when asked what day I filed dispute, this information would have shown on my report. There is really a problem with Equifax. Sent email to exquifax corporate director of credit  reporting. XXXX XXXX reported to exquifax with malice and intent to drop my score. Please investigate this matter too many red flags. The last representative stated they were not here for me to make phone call to XXXX XXXX. Company gets 30 days respond, yet company took 4 months to report debt at the exact time I had a score to receive my approval letter. 40 point drop was for {$230.00} which was never on report and unknown by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Greene & Cooper Collections LLC
State: GA

Complaint narrative:
I sent Green and Cooper a USPS Signature Required, Cease and Desist Letter, to stop all forms of communication with me on XX/XX/XXXX order number XXXX. This letter was signed for by Greene and Cooper. I have now started to receive letters from Greene and Cooper again today 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 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
We were living at XXXX XXXX XXXX, an XXXX XXXX in XXXX XXXX, CA XXXX. In about mid-XX/XX/2017, after moving to another apartment here, we were surprised with an unfair situation. 
Maintainence manager had done a walkthrough of Our previous apartment before moving out. There was washable paint on it the carpet, which he specifically told us to not worry about at all because they clean the rugs so well once we leave. He did not even bother to mark it down on the sheet he gave us a copy of, and the marks were clearly visible in the middle of the room. Once we were long moved out, XXXXXXXX XXXX told us we needed to pay over {$700.00} in rug replacement fee, due to the aforementioned paint marks. We obviously were not alerted even to this possibility before, quite the opposite ; had the mainatinece manager not mentioned to us so specifically not to worry about it, we would have had the washable paint and carpets cleaned ourselves. It was completely unfair to have been advised otherwise, and charged after for something that apparently did not even merit being mentioned or noted on the walkthrough sheet. We were trying to dispute this with XXXX, who dug their heels in and ended up forwarding us to a debt collector. We have paid the account regardless but the derogatory mark remains on the credit report and will for 7 years. We did not feel at all that this was handled in a fair manner, or even completely resolved by XXXX before they forwarded our account to debt collectors and at the very least believe this should be removed from the credit 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 2018-03-22 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: NC

Complaint narrative:
This inquiries not authorize or fraudulent inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22 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: NJ

Complaint narrative:
I disputed a charge that was incurred in XX/XX/XXXX by a hotel in XXXX. The hotel charged 100 % of their fee for not showing up. My email confirmation of the reservation stated that I was only responsible for 50 % of the charge. I called Bank of America credit card dispute department and they promised to look into it. On my next credit card statement I received a credit for the overcharge. I thought that was the end of it. I then received a letter from Bank of America dated XX/XX/XXXX requesting more information about this particular charge. However, that letter dated XX/XX/XXXX arrived in my mail on XX/XX/XXXX with a response deadline of XX/XX/XXXX. I sent in the information they requested the following day : XX/XX/XXXX. Obviously they did not receive the response by their deadline which was due to no fault of my own giving the date I received the request for more information. Because they did not receive the response by their deadline, they refuse to arbitrate on my behalf.

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 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I sent XXXX XXXX XXXX a USPS Signature Required, Cease and Desist Letter, to stop all forms of communication with me on XX/XX/XXXX order number XXXX. This letter was signed for by XXXX XXXX XXXX. I have now started to receive letters from XXXX XXXX   XXXX again today XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
My 2018 tax return was taken to pay off this debt I had for Transworld Systems Inc for my XXXX XXXX Credit Card. By the statement I received on XX/XX/XXXX it stated that my balance before payment was {$6200.00}. A payment of {$4600.00} was made onXX/XX/XXXX. This  credit collection agency only applied {$1400.00} to the balance. If they applied the whole amount that was paid on this account the balance would be at {$1600.00}. I have reached out to this company to provide me a itemized bill but they have never sent me one. They have taken the payment and not honestly applied the right amount to the balance on my account. The have refused to provide me any itemize statement of where the remaining money I paid was applied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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:
cra violation inaccurate information po report sent with ftc violation on the report the crepdit report is all wrong cfpb violation

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 2018-03-22 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:
cra violation inaccurate information po report sent with ftc violation on the report the crepdit report is all wrong cfpb violation

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 2018-03-22 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: CA

Complaint narrative:
When I first found out that XXXX XXXX was reporting on my credit file I sent them a request for validation per my rights under the FCRA on XX/XX/XXXX certified mail.The item was removed from my credit report when they failed to validate. 

However they re-inserted it back on my report after it was removed, which is a violation of the FCRA as they did not notify me of the reinsertion. I informed Experian that they were in violation due to the reinsertion. Experian was in receipt of my letter on XX/XX/XXXX via certified mail and once again the item was removed from my report. 

In XX/XX/XXXX of XXXX again this company has reinserted the item on my Experian report ; and once again after sending another request for validation they removed. 

To my surprise, XXXX XXXX has REINSERTED AGAIN for the 4th time. In addition my latest request for validation was returned as undeliverable on XX/XX/XXXX. The address they reported to the credit bureau is a bogus invalid address. 

I've gone in circles with this company. It should not be this difficult for a consumer to get a proper validation response from them as requested. I've been dealing with this since XXXX, that's 4 years of deletions followed by re-insertions! Experian is equally to blame for not following FCRA reinsertion notifications required by statute. This item has been reinserted and allowed to be done so 4 times now and not once have they sent the required written notification as required by law within 5 days. From my research on the web it appears that NONE of the bureaus send out these notifications by policy. I found the re-insertions only by looking at my credit report. I have no where else to go than to request support from the CFPB to resolve this issue. 

I've enclosed copies of my latest reports from XXXX and XX/XX/XXXX. Should it be necessary I can submit previous reports showing that XXXX XXXX was reporting and then deleted. I've listed the report numbers below along with a date of the item reporting and then not reporting.

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 2018-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had recently paid off all of my credit cards, including my XXXX XXXX XXXX through synchrony onXX/XX/XXXX, and a month ( XX/XX/XXXX ) after my payment in full was processed synchrony " randomly '' closed my XXXX XXXX XXXX causing my score to drop significantly, I called synchrony they told me the decision was random and made onXX/XX/XXXX because of inactivity, but thats not true, i used the card on XX/XX/XXXX and just now finalized it on XX/XX/XXXX I explained to them that I am in the process of purchasing a home, that's why I paid them in full so it doesn't affect my process for purchasing a home, they pretty much said tough luck nothing we can do for you. It is not right that they can try to mess with someone like that and seeing that them closing this account dropped my score by 38 points, I'm worried that it might alarm my lender for my mortgage all thanks to synchrony doing this stuff behind the scenes and not contacting me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
I contacted this company on XX/XX/XXXX to settle and old debt. I spoke with a representative in the collections department named XXXX in the South Carolina Branch and I I explained to her that I would be willing to paid {$300.00} in order for the debt to be settled and the balance would be {$0.00} on my credit report. She assured me that is would be okay so I called her back on XX/XX/XXXX to complete the {$300.00} settlement payment. I made the payment over the phone and she told me that the debt is settled and the balance is {$0.00} and that I could pick up my receipt stating this information on my lunch break. I picked up my receipt from the the local brach on my lunch break on XX/XX/XXXX. Today, on XX/XX/XXXX I received a letter in the mail stating that I still owe a balance of {$120.00} and that I need to schedule an appointment to make my next payment. I don't owe them anything. We agreed on a settlement amount of {$300.00} and I have already paid that. This outrageous and unprofessional. This company needs to update my credit report to show that the account was settled and the balance is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: NC

Complaint narrative:
This inquiries not authorize or fraudulent inquiries

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 2018-03-22 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: NC

Complaint narrative:
This inquiries not authorize or fraudulent inquiries

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 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
The company named has not provided any proof that I have a obligation with them or have done business with them. And have been reporting wrong info on my credit reports which i would like to have removed.

Company response to consumer: Closed with non-monetary relief