vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 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: TN

Complaint narrative:
US DEPT ED XXXX USDOE/XXXX  XXXX These accounts are reporting IN ERROR on my credit report and i have requested for an investigation into this matter and there has still been no resolution. Please help me. I am trying to purchase a home and this is a huge problem thats stopping 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 2020-09-22 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: TN

Complaint narrative:
US DEPT ED XXXX USDOE/XXXX  XXXX These accounts are reporting IN ERROR on my credit report and i have requested for an investigation into this matter and there has still been no resolution. Please help me. I am trying to purchase a home and this is a huge problem thats stopping me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: TN

Complaint narrative:
US DEPT ED XXXX USDOE/XXXX  XXXX These accounts are reporting IN ERROR on my credit report and i have requested for an investigation into this matter and there has still been no resolution. Please help me. I am trying to purchase a home and this is a huge problem thats stopping 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 2020-09-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: Pendrick Capital Partners
State: GA

Complaint narrative:
I received numerous calls from XXXX XXXX XXXX  by phone and via mail. In speaking with their representatives by phone I advised them to give me proof of the debt, specifically because I didn't recognize the creditor they represented. On XX/XX/XXXX and XX/XX/XXXX, I received two letters from this XXXX XXXX XXXX, enclosed are original bills from the XXXX providers who rendered services. The details included dates of services, XXXX XXXX, Description of service, the provider names and charges associated with the visits. 

On XX/XX/XXXX, I contacted XXXX again advising them I have received the communication that detailed my visits and provided explanations of the origin of these debts. 

XXXX advised me this debt has been sold to a third party, Pendrick Capital Partners II, LLC and they were working on their behalf to resolve the debt. 

This is a violation of HIPAA Privacy Law. My medical information should not be shared without my permission to any third parties. I did not receive services from Pendrick Capital Partners II, LLC nor XXXX XXXX XXXX XXXX and have no contractual obligation to them. The billing details including XXXX codes and descriptions of services has been shared in violation of my rights. I have requested verbally that communication and collection efforts must immediately cease and this item be removed from my credit report. 

XXXX XXXX XXXX XXXX has a business affiliation with Pendrick Capital Partners II, LLC. I have a contractual agreement to pay for services rendered to the original provider, XXXX XXXX XXXX XXXX, XXXX not to XXXX XXXX XXXX XXXX or Pendrick Capital Partners II, LLC. This debt was sold by the original creditor to Pendrick Capital Partners II, LLC along with my health information. In order to collect the debt and validate it XXXX XXXX XXXX XXXX provided my Personal XXXX Information to Pendrick Capital Partners, LLC. Pendrick sent my XXXX XXXX information to XXXX XXXX XXXX XXXX via copy of the original invoice from XXXX XXXX XXXX XXXX, XXXX to prove the debt is valid. XXXX XXXX XXXX XXXX in turn forwarded the invoice directly to me enclosed with a letter responding to my inquiry on their letter head. At the time, Pendrick Capital Partners II, LLC obtained my service invoice it revealed my XXXX XXXX and visit description, my patient privacy rights were violated. As previously stated I have an obligation to XXXX XXXX XXXX XXXX, XXXX for services rendered, not a third party affiliate. Furthermore Pendrick Capital Partners II, LLC and XXXX XXXX XXXX, XXXX does not need my XXXX XXXX XXXX XXXX XXXX to validate the debt. This information should have been redacted. However my copy of invoices does not show a redacted or hidden XXXX code ( s ). This is a HIPAA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAD A DEBT WITH XXXX AND IT WAS PAID, UPON PAYING XXXX I WAS NEVER ADVISE THAT THEY SENT IT OUT TO A COLLECTION AGENCY, SO PAYING XXXX AND I THOUGHT THE DEBT WAS SETTLED, I GET A MORTGAGE LENDER TO PULL MY CREDIT AND XXXX XXXX XXXX IS ON MY REPORT WITH THE SAME AMOUNT OF DEBT I PAID XXXX, I CALLED XXXX AND ASK THEM WHY THEY ARE REPORTING ON MY CREDIT AND WHY I WAS NEVER NOTIFIED BY THEM OF THE DEBT, THE TYPICAL RESPONSE IS THEY SENT OUT THE NOTICE I NEVER RECIEVED, I DIDNT HAVE A CONTRACT WITH XXXX XXXX XXXX NOR WAS I INFORMED BY NEITHER PARTIES, XXXX ARE XXXX XXXX XXXX THAT IT WAS IN THE HANDS OF THE COLLECTION AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a customer of Bank of America since 1982. I just realized they started charging me a fee on both my savings and checking account. The savings account is an account they made me sign up for over 10 years ago in order to benefit from another product they offered. There wasn't much money in the savings account but now it is negative. I have never hear of a " savings '' account in which you lose money. Then I realized they have been charging me XXXX a month fee for checking. This was something new. They said they changed my account, although I didn't ask them to change my account. The manager at customer service said I can put you in another checking account program that doesn't have fees. Why would I choose an account with fees when there is an account type with out? Remember I never asked to switch accounts in the first place. Bank of America is playing games with peoples money in an effort to increase revenue. This is not what I signed up for.

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 2020-09-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I called Wells Fargo on XX/XX/XXXX regarding several unauthorized transactions that were made from my savings account on XX/XX/XXXX for {$40.00} at a non wells fargo ATM, XX/XX/XXXX for {$23.00}, XXXX for {$23.00}, XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$100.00}, XXXX for {$63.00}, XX/XX/XXXX for {$43.00}, XX/XX/XXXX for {$43.00} and XX/XX/XXXX for {$42.00}. XXXX and all of them have atm fee of {$2.00} + wells fargo fee of {$2.00}. I informed them that i have never gave anyone my card or pin number and i never use a ATM thats not Wells Fargo and i dnt do withdrawal from my savings unless its online banking and they informed me that my chip was used so therefore my claim was denied. I asked if there was anything else they could do to get my money and further investigation by checking cameras on the ATM and they informed me that they could no longer assist me because the claim was denied. I was very upset due to them not being considerate about the the situation and how i couldn't be responsible for those transactions that were made. I asked if there was anything else i could do and they wouldn't assist me with anything and i felt very disrespected and not valued as a long time customer.

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 2020-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On this date, XX/XX/2020 I received a phone call from Capital One Bank collections department stating that I was overdrawn in my checking account. As I have had a {$10000.00} credit line fully available ( no outstanding balance ) attached to this checking account for well over a decade, I informed the caller of that and she said she could not help me - that was a different department and they were not available for me to talk. The ONLY thing she cared about was she just wanted the overdraft covered. 

I then pulled a checking account statement and called the number posted. After a very long and significant wait a gentlemen answered and reviewed my account. He infomed me that Capital One as a Company decided to Close All credit lines and Not honor them any longer as of XXXX of this year! I told him that I was NEVER informed of this decision and that I wanted to know why - he only said that Capital One claims to have sent a notice which I NEVER received. I purposely was using the line to make a payment of my mortgage. They honored the check at least but without knowing the line was cancelled an they not providing any proof of notice the account was overdrawn! I did not learn this until I eceived the prior mentioned call ... .from collections! To add insult to injury, they have closed ALL the branches near me so I cant go there and they charged me an over draft fee of {$35.00} which the man on the phone said he would NOT reverse! A fee that should NOT have been charged and would NOT have happened if not for their despicable action and NO NOTICE!!! This bank should NOT be allowed to operate AT ALL in this country. I will seek another bank but want to know how they could be allowed to take this drastic and improper action. The credit line cancellation has also obviously adversely affected by credit score. Had I been properly noticed I would have closed the account then BUT, in any case, to close this line in the middle of a COVID crisis is despicable!!! I await your response. TY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: WI

Complaint narrative:
I checked my credit report and saw a debt on there I had no knowledge about. I reached out to the collection agency on file and requested the original agreement or contract from the original furnisher as my right under the FDCPA. The agency have completely ignored my request and have given no written correspondence in regards to my matter. In my initial outreach to the agency, I asked for my request to be met within 30 days in which they failed to do so. This agency is ruining my my reputation and creditworthiness and is in direct violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2020. I sent out a letter to each of the three credit reporting agencies. In theses letters I disputed the validity of said accounts Today is XXXX and the credit reporting agency has yet to respond back they havent even had the decency to update the accounts as under investigation. Ive sent out a 30-day demand letter because they are in violation of my consumer rights but the law under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: VA

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF 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 2020-09-22 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: VA

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-09-22 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: VI

Complaint narrative:
Experian continues to report false information on my credit report that has not been verified to be true since they have never proven that those accounts belongs to me. I am hereby asking CFPB to ask Experian to send me the verification by providing the documents as required by law under the fair credit reporting act. Experian have failed consistently to follow the law by not showing me the proof that these accounts are truly mine. I am asking Experian to send me the verification like wet signature, copies of other documents as required by law to be reporting these items on my credit profile thats not true. Please send me the documents that would prove that these 3 accounts are mine, XXXX, XXXX and XXXX. I want to see the proof not a paper saying verified.

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 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX Those cases are Fraudulently manipulating the score factors of Experion which by federal law is illegal and violating their CRA. It needs to be corrected. Im taking this Results to congress. Im in Washington D.C.

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 2020-09-22 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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