vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-23 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: MN

Complaint narrative:
The accounts listed are not my 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 non-monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: MN

Complaint narrative:
I contacted Sagestream , LLC on numerous occasions ( website and telephone ) to freeze my credit report and request a copy of my credit report. On the first occasion, I requested a credit freeze via Sagestream 's website and supplied all requested identification information. My credit report appears to have been frozen ( based on interactions with a lender ), but Sagestream never provided a PIN ( or other method to manage the freeze ) and did not otherwise contact me regarding the freeze that I requested. I called Sagestream on two occasions and was passed to voice mail each time. I left 2 voice messages ( with Sagestream indicating that my call would be returned within 1 business day ) for them to return my call, but they never did. 

I also requested a copy of my credit report via Sagestream 's website and supplied the requested identification information. I have not received a copy of the credit report that I requested and my call/voice mail regarding this request has not been returned by Sagestream.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Tried to contact this company several times to let them know this debt is not mine and they did not remove it from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My husband is in the XXXX and has been XXXX  in XXXX, XXXX and XXXX  in the last 3 year. We originally were in XXXX  and that is where the Bank of America accounts were opened. I have 2 accounts for my minor children, one for my now XXXX year old daughter and XXXX year old son. With all of the address changes we have not been getting statements for quite some time, but I did not think I needed to be concerned because both accounts are not supposed to have monthly fees. I recently got the XX/XX/2019 quarterly statements and my son 's account is being charged {$5.00} per month and the balance is down to {$40.00}. His account originally had more then {$200.00} and we have not made any withdrawals. My daughter 's account has not been charged this monthly fee. I called Bank of America 's customer service number and was told they can not reverse the fees. They also can not explain why 1 account is being charged while the other is not and if I want to talk to someone in person I have to go to XXXX  where I opened the account. We are XXXX  in XXXX  so I can not do that. Customer service also would not do anything to even fix the fee issue going forward. I asked how long have the fees been charged and they could not tell me that either. I also looked on their website for XXXX  savings accounts and there is no fee for {$5.00} listed on their fee schedule. So not only are they taking money from a child, but they are not complying with Truth in Savings by listing all current fees.

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 2020-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: WI

Complaint narrative:
I completed the default resolution program and made all my consecutive payments. When I got a new debit card I call the collection agency numerous times with no call back. I was enrolled in school and just got my title 4 back and was all set to start. Now that my funds are to be released they are not giving me the correct status because they said I missed a payment. I was told multiple times that the only way to pay is through the agency servicing my loan i now found out I could've paid directly after I called. I plan to file suit against both parties for damages and pain and suffering as I have been taking these classes with NO indication that I wouldn't have funding and now the school fully expects me to pay for them. This is not fair and unjust. I have attached my letter showing that I am eligible for funding. I called in XXXX/XXXX/ and XXXX of 2019 trying to update my payment method WITH NO RETURN CALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I tried to call chase bank to get my account they wouldnt let me, I told them to run the cameras they told me they wouldnt, the account that I had was a brand new account that I opened up and it was some fraud going on my account I told them that wasnt me it was a check deposit into my account that I wasnt aware about they didnt call me or nothing they didnt send me a letter in the mail that my account was closed I called them so many times about my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: GA

Complaint narrative:
Incorrect Bankruptcy showing on my credit report belongs to someone with similar name. XXXX  has found it to be an error and deleted it. XXXX and Transunion have refused to do so. I have attached my XXXX  report showing there are no Public Records bankruptcies attached to my credit file. The address that was reported on the bankruptcy is not mine nor have I ever lived there. Please review the attachment and delete the error immediately. It has not been verified by anyone because it does not belong to me. The XXXX  XXXX   Bankruptcy Court of Georgia have verified none exist for me nor have they given that information to XXXX  or Transunion due to their policy.

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 2020-01-23 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: MN

Complaint narrative:
The accounts listed are not my accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 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: AR

Complaint narrative:
Since XXXX of 2019, I have sent several certified dispute letters to the Experian consumer reporting agency in regard to several ; accounts reporting on my credit file that was opened due to identity theft. Experian has failed to provide XXXX XXXX accurate verification as per the Fair Credit Reporting Act. In addition, Experian has failed to place a block as per the FCRA Section 605b in regard to the fraudulent items that are in question. On XXXX XXXX XXXX at XXXX XXXX  tracking ( XXXX ) was one of several letters received from Experian on my behalf. It has been 6 months and Experian still has yet to provide any supporting correspondence or documentation in regard to any of the dispute letters they received 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 explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN FINANCING CORPORATION
State: OR

Complaint narrative:
I called American Financing on XX/XX/XXXX to inquire about their bank statement loan program as I am XXXX XXXX. I spoke with a customer service rep named XXXX XXXX who answered a few of my questions, but was told that I needed to speak with the loan officer for some additional questions to be answered. Towards the end of the phone call XXXX told me that I would be receiving a call from a loan officer the following day to fill out an application so that we could review my credit and standing. He then asked for mine and my wife 's SSN 's which I gave even though had doubts about needing that before filling an application. I spoke with another loan officer with a different company and he was able to tell me market rates on bank statement loans without me filling an application. I decided rates would be too high for an investment property so I gave American Financing a call back and spoke with XXXX XXXX. He started telling me about information on my credit report and when I asked how he knew this information he told me that they pulled my credit. Never once did XXXX ask for my authorization to pull credit and he specifically told me I would be filling out an app over the phone which I never did. I contacted XXXX and they told me that American Financing needs to show documentation that this was an error in order to be resolved. 

On the same day I filed a complaint with the XXXX XXXX XXXX I received a message from American Financing. They posted a fake written transcript of the call stating that I allowed them to pull credit. When I asked for an actual recording of the call to verify what they had written was true, I never received another message. 

I called them again on XX/XX/XXXX and asked to speak with XXXX the manager I first spoke with and still have yet to receive a response from him or the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a balance on an account to my credit that should not be there. I paid this off a while ago and it should not be reporting a balance to my credit and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a balance on an account to my credit that should not be there. I paid this off a while ago and it should not be reporting a balance to my credit and it needs to be removed.

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 2020-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a balance on an account to my credit that should not be there. I paid this off a while ago and it should not be reporting a balance to my credit and it needs to be removed.

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 2020-01-23 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I AM CERTAIN THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-01-23 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: FL

Complaint narrative:
XXXX XXXX  has been told that this 5othe XXXX   XXXX  on XXXX XXXX in XXXX XXXX Fl the money was given to a teller named XXXX. This debt was paid in full this is the last change to remove this from my credit reports before I sue the reporting companies and 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 2020-01-23 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: FL

Complaint narrative:
XXXX XXXX  has been told that this 5othe XXXX  XXXX  on XXXX XXXX in XXXX XXXX Fl the money was given to a teller named XXXX. This debt was paid in full this is the last change to remove this from my credit reports before I sue the reporting companies and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
This complaint is about a company called credit acceptance I begin a loan with them back in XX/XX/XXXX and paid faithfully up until present time. However on XX/XX/XXXX I was in a car accident which was a total loss. I called the credit acceptance people and asked if I could Not pay the XX/XX/XXXX payment since they would be receiving a insurance payout they said that was fine. However now they claim that they did not say that. On XX/XX/XXXX we entered into an agreement for the remaining balance of the vehicle which is about {$6300.00} we agreed that I would pay {$300.00} on the first of each month going forward until the loan was paid off. they also said that if anytime during this time if I came up with {$2500.00} they would except that as a one time payment and clear the loan. The first {$300.00} payment was made on XX/XX/XXXX I have the canceled check the second {$300.00} payment was a little late but the check was cashed on the XXXX XXXX. It was around this time that I noticed they had reported me XXXX and 60 days late on my credit report for XXXX and XXXX. I contacted them and asked why they did this and they told me that I had missed a payment in XXXX but I told them that they told me I could skip that payment since they were getting insurance payout and that they had agreed to that, they informed me at this time that they have no record of that. So I got a written letter from them stating that my payment was {$300.00} and would be {$300.00} going forward however they would not agree to backdate it to the original date we reached the agreement of XX/XX/XXXX they would only date it for XX/XX/XXXX Just another example of them being shady. When I asked them to please fix my credit reporting they said to me thats not their job. I submitted disputes to all three credit agencies but nothing has ever came of it. Credit acceptance just tells themThats the information they have and my dispute is dead. They are the worst professional company I have ever dealt with. They act as if I made all this up after not having one missed payment in 2 and a half years. I also want to point out they where illegally charging me XXXX XXXX interest as a resident of XXXX  when you can only charge someone XXXX XXXX   above prime for used car loans in XXXX. I also want to point out that they have a website where you can look at your account information. I went on there and it says A bunch of inaccuracies. When I asked them about it they told me dont worry the website is always wrong. They still have the wrong payment amount on their as well.

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 2020-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Victim of Identity theft. FTC  REPORT NUMBER XXXX these checking and savings accounts that were fraudulently opened by theft of my identity have not been closed after 4 months, over 9 demands to close and now Bank of America is charging service fees on these fraudulent accounts illegally. complaints to You, Federal reserve and office of the comptroller have been filed. They have been given all information, police reports etc ... CLOSE THESE FRAUDULENT ACCOUNTS DOWN NOW! Bank of America continues to send statements on these fraudulent accounts with another unknown persons name on it to my home. bank of America was notified on XX/XX/2019 via a phone call they made to me to verify if i had opened 2 online accounts in which i told them no! Bank of america has lied and lied and lied stating numerous times the accounts have been closed when you can clearly see they are not!!!

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 2020-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I have contacted Huntington Bank on several occasions for purposes of an Arbitration I have started against them. XXXX  REF : XXXX XXXX VS HUNTINGTON NATIONAL BANK. I will not include the complaint for it has been sent several times as has XXXX been trying to contact Huntington with no response. Second notice from XXXX   attached. If there was some error me calling legal 's number at XXXX and leaving no less than 4 or more voice messages all unanswered or returned - stating this is the legal dept on the greeting. 

I am tired of no response for near two months. I went so far as two approx. two weeks ago go into a branch and have my notice of  arbitration emailed to legal by a XXXX XXXX XXXX. Card attached. 

I want to make it clear you are in violation of your arbitration agreement on deposits accounts not taking the arbitration and responding as a respondent. I feel this should be a strike against the bank for future arbitration 's with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
In XXXX of XXXX I ordered some supplements from XXXXXXXX. Upon receiving the products it was discovered that I was allergic to some of the ingredients in the product. I sent an email as well as called the company and informed them that I needed to return the product. I obtained a RMA # and sent the items back. After not receiving the refund I was due I contacted them several times and inquired about the status of the refund. I was told that the refund would be given as the product had been received. I did not get a refund so approximately a month later I filed a dispute with my credit card company. My credit card company then notified me that XXXX had not responded so I was given the refund back to my card. In XXXX of XXXX ( 2 years later ) I received a call and a letter from a collection agency trying to collect on the charge back amount. I responded within the required time frame and received another email on XX/XX/XXXX stating that XXXX is now claiming they never received the product back. I thereby went onto my XXXX account and looked at the history and it shows my order was canceled and that no other orders were mailed out. XXXX has no right to try to collect on a debt not owed to them. I returned any product ever sent to me and have not made any other orders since. XXXX is threatening collection and negative credit reporting in the use of their vendor they are using as a collection agent. They have failed to provide any proof of an order coming to me and also have failed to document the numerous calls I made them asking about the refund status. They also failed to respond within the 60 days required when my bank originally reached out to them when I filed the dispute. XXXX should be barred from collecting on the debt as they failed to respond in the 60 days originally and for two years never communicated with me directly. For them to hire a vendor who is attempting to collect a debt not owed to them is in violation of FDCPA, UDAAP and Reg E.

Company response to consumer: Closed with explanation