vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
There is a collection on my consumer credit reports for {$140.00}, reported on XX/XX/XXXX. The debt is reported by the Collection Agency, Caine & Weiner, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. 

I have contacted them by mail on 3 occasions requesting information pertaining to this debt they are reporting on my consumer credit reports with XXXX, XXXX  and XXXX, that is not my debt. To this date they have not provided any detailed information, and to date have not removed this debt from my consumer reports. 

They are currently violating my rights under the Fair Debt Collection Practices Act and harming my credit rating. Furthermore, they are not responding to my repeated request to provide detailed information regarding the debt noted above. 

I have sent by First Class Mail three letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To this date there has been no response regarding my repeated request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: FL

Complaint narrative:
I HAVE COME ACROSS SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I DO NOT KNOW OF ANYONE WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I AM A VICTIM OF IDENTITY THEFT AND I AM ASKING THAT AN INVESTIGATION TAKES PLACES SO THAT THIS MATTER CAN BE RESOLVED. 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 explanation
Consumer complaint received 2020-03-24 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 COME ACROSS SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I DO NOT KNOW OF ANYONE WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I AM A VICTIM OF IDENTITY THEFT AND I AM ASKING THAT AN INVESTIGATION TAKES PLACES SO THAT THIS MATTER CAN BE RESOLVED. 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 2020-03-24 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: AR

Complaint narrative:
My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my 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 2020-03-24 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:
As I decided to buy a jet ski for summer fun my sales consultant told me that my credit had to be pulled to see if I was eligible for financing. He pulled my credit and told me I was not accepted for any financing due to several unknown items to my report. I then asked to see my report and there are many derogatory items that I have never applied for in my life. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: NY

Complaint narrative:
get repeated calls from MRS Associates from XXXX and ask to be on the do not call list and they keep calling during bad times with covid-19 and I'm unemployed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
hello credit card dispute - tdbank credit card # XXXX Amount {$27.00} company XXXX date of charge XX/XX/XXXX i received product XX/XX/XXXX or so and tried to contact the company as product was defective not as shown and did not work as shown could not contact and no reply for email. Merchand website no longer there .could not mail back the product as from address was not complete and it was from XXXX . So contacted tdbank on XX/XX/XXXX and dispute the amount. said they will send paper work but did not get any. said do not pay the dispute amount. again i called XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and so on and each time they said they will reopen as case closed and when asked to speak with supervisor or manager, not available will call back today and get a call 3 days later. finally i received the paperwork on XX/XX/XXXX and i faxed it to tdbank XX/XX/XXXX. why cant they take a scanned email copy so i have proof of receipt? today i got a phone call saying the dispute is closed and i have to work with the merchant? why? i already tried so why cant the credit card company take care as promised? 
please help attaching the dispute and credit card transaction thank you XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-24 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: IL

Complaint narrative:
TransUnion credit report agency apply incorrect information to my profile identity.The credit file number # XXXX, have several credit card accounts, several fraudulent identical names with different middle initial attach to my credit profile information, and their are several fruadulent address to my identity. My credit report information have wrong social security number attach to my profile.

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 2020-03-24 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:
As I decided to buy a jet ski for summer fun my sales consultant told me that my credit had to be pulled to see if I was eligible for financing. He pulled my credit and told me I was not accepted for any financing due to several unknown items to my report. I then asked to see my report and there are many derogatory items that I have never applied for in my life. Please remove these fraudulent items from 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 2020-03-24 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:
As I decided to buy a jet ski for summer fun my sales consultant told me that my credit had to be pulled to see if I was eligible for financing. He pulled my credit and told me I was not accepted for any financing due to several unknown items to my report. I then asked to see my report and there are many derogatory items that I have never applied for in my life. Please remove these fraudulent items from 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 2020-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I had loan with credit accetance.. They illegally turned the truck of XXXX XXXX XXXX. Then forced illegal repo.. They falsley made inaccurate and malicious inquiries on my report since XX/XX/XXXX. I have proof of everything and i want this loan cleared off my debt and shown paid in full. Since the illegally repoed it and ruined my credit since. I made 28/32 payments on time until the illegally repoed it. I have contested this as far back as XX/XX/XXXX. Had it taken off my credit. I have proof of this illegal repoesssion and illegall garnishment. 
This is when i said ibam fighting back and going to sue.. Credit Acceptance.. XXXX XXXX XXXX  and XXXX Court for granting these garnishments due to illegal documents and illegal repossesion. 
I have bought all documents that Credit Acceptance submitted to be granted these judgements as well as the transcripts. Where the judge advises me to hirr a lawyer 3 times. 
This has affected my livelyhood since everything is based on credit. From car loans, personal loans and insurance. I have statements for insurance and XXXX  XXXX also my credit union denying me help. And credit statement that states ib have hired XXXX to help dispute and prove this malicious inquires made by XXXX XXXX. I also went back and printed out past history reports that prove thatvcredit acceptance has went back adding false reports to try and cover there XXXX. I have 5 different credit reports. Old and new. Also XXXX  just approved my dispute in XX/XX/XXXX after i called and spoke to a reprensatitve and sent them proof of all this. I also have phone recordings proving why my payments was agreed and pushed back by Credit Acceptance after they sold my car at auction. By XXXX before my terms of getting the truck back. Again illegal actions. Example So XXXX payment was due on XX/XX/XXXX. Now due XX/XX/XXXX. They turned truck off XX/XX/XXXX XXXX XXXX. Sent me repo threats. I have copy.. And spoke to on XX/XX/XXXX made the payment arrangement for XX/XX/XXXX. Since i had to rent a car to work. Because the turned it off XX/XX/XXXX. They repoed the truck before i could make XXXX paymwnt due. XX/XX/XXXX and inwas paying XXXX payment ahead which was not due until XX/XX/XXXX. This is the Illegal repo that i am speaking of and have reciepts for the rental car, statements of truck being shut off and forcing me to miss XXXX BBQ. Then the same day they illegal repo my truck they alrrady posted it on my credit. Stopping me from getting a new car. And lowering my score 67 points to a low XXXX. 

I need someone to call me so i can send you the proof. Here is my number. 
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 2020-03-24 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: IN

Complaint narrative:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have a charge made from XXXX to my XXXX  mastercard ( Barclaycard ) I called and said i did not make the charge. It was made some time at the end of XXXX for XXXX. When I called I said I did not place the order. They decided to place a " dispute '' instead of a fraud investigation. I started staying at a different address XX/XX/XXXX because we are currently buying a house closing around XX/XX/XXXX. The company has the old address and said the merchandise was sent there. The Credit card company said they will no assist me in a fraud investigation because all the information " was mine '' and a dispute was placed first ( which was their error ). I did not make the purchase or get whatever product was ordered. I need a refund immediately i am not paying {$2100.00} for something I did not received. This XXXX card is the only card I pay an annual charge for and is the worst company I've ever had to deal with. The fraud department had the nerve to say I cant placed fraud just because the dispute wasn't in my favor. This is not the case at all, they issued the dispute incorrectly when i called and said it was fraud from day one they need to listen to my calls. my card is being canceled after this complete mess.

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 2020-03-24 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: AR

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and the to print me out a copy. There are items on my credit that need to be removed as soon as possible. These are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Call them. Email them. Fax them .file motions .in the XXXX county probate court.. Ask for the ownership papers. Like deed of trust or testimony will, beneficiary contract too the ownership lf the company .i need this information so i can no how too go foward on what i need too do .and not too do .i ask them for also public accounting too what they are doing with my money. Cpa .it my right to this information. I also alert the attorney on the estate to this request XXXX XXXX, served him by the probate court, XXXX XXXX. Staff .. bank of america is own by me. And all attached too it .they are refuse too give me information. The trustee are important too this company but i am the owner .in XX/XX/2009 address XXXX XXXX XXXX XXXX ga XXXX was under bank of america and XXXX XXXX as 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 2020-03-24 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: NY

Complaint narrative:
I understand that this account with XXXX listed on the credit report needs to be reporting accurately and complete according to the FCRA. Since XXXX of XXXX, I have in back and forth correspondence with the 3 credit bureaus outlining the issues with this account reporting. This account information does NOT reflect accurately and in return, the FACT IN POINT is that this account is in violation of the law AFTER I expressed my concern and showed the error. I have a confirmation from the credit bureaus AND from XXXX ( SEC 1681 ) that they performed their investigation. After reviewing my newest credit reports, I can see the inconsistent information STILL affecting my credit. 

ISSUE # 1 : XXXX DELETED this account after I expressed the issue to them. HOW could they see the issue YET XXXX and Equifax NOT see the issue. There was NO actual investigation done! 

ISSUE # 2 HIGH BALANCE is incorrect. XXXX  is reporting {$3500.00} and Equifax is reporting {$3500.00}. 

ISSUE # 3 : Date of first delinquency ... This is reporting inaccurately with XXXX of XXXX on XXXX and XXXX of XXXX on Equifax. That's over 60 days.. How is this even possible if there was an actual investigation I have included the images of the reports that were sent to my house. I am highlighting the errors still existing today. There was no investigation because the information is still violating the FCRA. I understand my rights and for me to keep mailing letters costs me money and time. Both of which I will seek compensation for if this is not fixed NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Home Depot Citi Bank They are not helping about Coronavirus. Not able to make my XXXX payment due to unemployment. They will still charge late fee.

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 2020-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2020 I had deposited {$2000.00} into my savings account through the ATM. The ATM told me it couldnt process my deposit and had me put the amount I had added into the ATM. And the ATM ate my money and never gave it back. This is all with TD Bank. Later out i found out that my credit card was connected to my savings account which caused a force deposit to happen. After this had happen i got a receipt for records and called customer service right away. They had put a dispute in right away for me. I called today XX/XX/2020, and they told me to dispute was closed and i had never gotten my money back or into my savings account. They told me the best bet is to call the branch that i had used. So i had called them and they didnt have any record of a dispute and basically told me they cant do anything and to call customer service and make another dispute. It has been three weeks since i had done this and no money into my account. I need help with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consolidated Recovery Group, LLC
State: PA

Complaint narrative:
I recently applied for credit and saw a collection from Consolidated Recovery Group, and since I never heard of them before I wrote them a dispute letter. I had to find their address on my XXXX report. ( see attached ) I wrote them a dispute letter to ask them for validation of the debt and to beg them to stop calling me. The letter was returned as the address was inaccurate. How can this be? Aren't they supposed to report 100 % factual information to the credit bureaus? If they can't even provide an address for this, how can they possibly report interest and penalties accurately on my credit report? Everything is wrong here. they have violated the FCRA, by not allowing me to dispute the debt or request validation. they have violated the FDCPA by not reporting correct information to XXXX. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24 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: IN

Complaint narrative:
XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue  however, I have not been successful.

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 2020-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
While I was checking the process of getting my credit score report records show some credit cards has been found unknown. {$760.00} from diversified consult on XX/XX/2018. This credit card is unauthorized transaction and maybe identity theft is considered.

Company response to consumer: Closed with explanation