vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 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:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXL XXXX  XXXXDispute U.S. DEPARTMENT XXXXF EDUCATIONUnder Dispute U.S. DEPARTMENT OF EDUCATIONUnder Dispute XXXX XXXXUnder Dispute XXXXUnder Dispute

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 2020-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA stopped follow reg E due to their contract with Visa this is not a Government mandated change but an internal policy that does not follow government laws. This is confirmed by the recorded call between myself and XXXX XXXX XXXX Advocacy Advisor for USAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: VA

Complaint narrative:
I filed the following claim on XX/XX/2020 due to fraudulent charges on my debit card/account : Claim ID : XXXX Claim amount : {$4000.00} I received a notification in the mail that stated : " XXXX XXXX XXXX : We've completed our research and closed this claim. 
What you need to know Our records show the transaction activity in question was authorized and posted correctly to your account. '' I wrote back to Bank of America and requested documentation for the research they relied upon to come to their conclusion for their investigation, and received the following response on XX/XX/2020 and received a follow-up message that stated the following : " XXXX XXXX XXXX : We're writing to you regarding your claim. 
What you need to know Thank you for your recent inquiry requesting that we re-evaluate the above-referenced ATM/Check Card fraud claim. 

We have done a thorough second review of your case, and have concluded that our original determination was correct : no posting error has occurred on your account. 

Therefore, we are unable to credit your account, thus resolving your claim. '' Bank of America never provided restitution for the fraud on my account or provided rationale as to why they were unwilling to provide restitution.

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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sending this information to you because I found many accounts open under my name this fraudulent accounts are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
on or before XX/XX/XXXX & XX/XX/XXXX XXXX XXXX has been contacting family members in an attempt to collect discharged debts. They have contacted my family members, elderly parents and my employer on multiple occasions regarding debts that have been discharged in my XXXX ch XXXX bankrupcy. They have not contacted me recently, however they have in the past. When they contact family members and my employer they have stated that my local sheriff department is looking for me to take me to jail. My family members are afraid of them. My employer is questioning my honesty. Their collection practices are illegal and criminal.

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 2020-05-19 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: OH

Complaint narrative:
The below accounts do not belong to me, I have tried to deal with these companies and they do not remove these items, I never applied for any of these account and I cant even rent an apartment. 

XXXX XXXX FKA XXXX Opened XX/XX/XXXX Balance {$310.00} Account # XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$1600.00} Account # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$3200.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$2800.00} Account # XXXX XXXX  Opened XX/XX/XXXX Balance {$1200.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$290.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$160.00} Account # 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 2020-05-19 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: TX

Complaint narrative:
I recently look at my credit report and noticed somethings that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on the XX/XX/16 and never heard anything back. So I sent a 30 day comply on XX/XX/16 and I've yet to get any feedback on my investigation.

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 2020-05-19 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: TX

Complaint narrative:
I recently look at my credit report and noticed somethings that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on the XX/XX/16 and never heard anything back. So I sent a 30 day comply on XX/XX/16 and I've yet to get any feedback on my investigation.

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 2020-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LCS FINANCIAL SERVICES CORPORATION
State: TX

Complaint narrative:
I told the guy that keeps calling XXXX XXXX, that I had XXXX XXXX and have no record of this debt. He calls 4-5 times a day. I called and told him that he was not to call me because it was causing emotional stress after a major XXXX and that he could only contact me through written correspondence. He said he understood and we hung up. He literally called me right back as if we did not just speak. He is harassing me over a debt I have no proof of owing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: NV

Complaint narrative:
There are multiple accounts on my personal credit reports that are UNVALID as in never been validated items. A few different creditors, none in which i've ever come into relationship with. These accounts just don't belong to me. They've been on my report for about a year now and ive been back and forth with these credit bureaus about removing ( blocking ) these fraud accounts pursuant to the FCRA 605 ( b ) law I've sent out all the necessary documents needed to activate a blocking on these accounts, yet these credit agencies have failed to do so. Why? I have yet to receive any concrete evidence or proof of validation with these reported items from neither party ( credit agencies or creditors ). This is blasphemy, that these credit bureaus have been willfully disobeying credit laws at the consumers expense. It has been XXXX trying to reestablish my identity and these credit agencies have been little to no help. I need the CFPB to oversee this to make sure these credit agencies due their jobs with providing full proof of VALIDATION of the fraud accounts they've deemed " accurate and valid '' Pursuant to Fcra law 809 ( a ) ( b ), and no i've never hired any credit firm to help me amid these tragic events, i sincerely made phonecalls to all 3 bureaus, asked questions, got answers, and went online at FTC.GOV to study the  FCRA Laws, THIS IS ALL FREE AND ANYONE CAN DO THIS, IT IS NOT A CRIME TO KNOW MY CONSUMER RIGHTS! So Experian you guys at the office who left the last cfpb response not honoring my request because you said i hired a credit firm and you didnt think i've authorized these disputes, are nincompoops! All of ya, NINCOMPOOPS! THIS IS ME, XXXX XXXX, This isn't rocket science as everything needed to know is ONLINE. Yall have willfully broken fcra laws and i KNOW IT, These are unfair business  practices and ill fight tooth and nail until you guys fix these mistakes! Otherwise ill sue and i keep a trail of EVERYTHING.

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 2020-05-19 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
To Whom It May Concern : I sent a request for the method of verification to Experian via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the accounts XXXX I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.

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 2020-05-19 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: CA

Complaint narrative:
I sending this information to you because I found many accounts open under my name this fraudulent accounts are fraudulent 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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sending this information to you because I found many accounts open under my name this fraudulent accounts are fraudulent 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 2020-05-19 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
To Whom It May Concern : I sent a request for the method of verification to Experian via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the accounts XXXX XXXX XXXX  I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.

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 2020-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: PA

Complaint narrative:
I had a item on my credit report for a collection agency enhanced recovery company. I called them to find out what I owed. I owed for a old XXXX  bill. I asked for a settlement amount to close and delete the item. I paid the settlement amount in full. In turn they reported to the credit bureaus a XXXX  balance but didn't delete the item. I call the customer service number they informed me they don't delete just update. That still affects my credit score negatively. I kepted my promise to settlement amount. They did not hold up there half.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 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: OH

Complaint narrative:
The below accounts do not belong to me, I have tried to deal with these companies and they do not remove these items, I never applied for any of these account and I cant even rent an apartment. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$310.00} Account # XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$1600.00} Account # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$3200.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$2800.00} Account # XXXX XXXX  Opened XX/XX/XXXX Balance {$1200.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$290.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$160.00} Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: OH

Complaint narrative:
The below accounts do not belong to me, I have tried to deal with these companies and they do not remove these items, I never applied for any of these account and I cant even rent an apartment. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$310.00} Account # XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$1600.00} Account # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$3200.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$2800.00} Account # XXXX XXXX  Opened XX/XX/XXXX Balance {$1200.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$290.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$160.00} Account # 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 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: IL

Complaint narrative:
Account Statement Ending XX/XX/2020 and XX/XX/2020. 

My Discover A/c has three different types of balances : Purchase Balance 12.99 % APR Balance Trf 0.0 % APR Balance Trf 5.99 % APR I am surprised to find out that the company first applies portion of my payment ( minimum payment due ) to my lowest interest balance before applying any additional amount to highest interest balance. 

Generally, any payment first should go to highest interest balance after satisfying interest accrued. Otherwise those not able to pay off their balance will be forced to payoff their 0 % balance before high interest ( 12.99 % or higher ) balance which is unfair. 

Discover earns fees during balance transfer and then makes more in interest charges as the payments first are applied to 0 % balance before being applied to higher interest balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
On Thursday, XX/XX/XXXX, my account with Simple was frozen. I was not told about it. I found out when my debit card stopped working and when I couldnt transfer funds between the shared account with my husband or either of our individual accounts. When I called support, I was asked multiple fraud-related security questions, but was not told why my account was frozen. I was only told that the issue was going to be resolved soon. 

Each time I have called, I have told some variant of the issue has been re-escalated and someone will reach out with a support message soon Just this afternoon ( XX/XX/XXXX ) I received a support message that said my account is being closed per section 17 of the disclosure agreement. My money is locked up and I cant access or move it, and now the account is pending closure. They wont explain why or stop it. 

Any assistance you can give would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: NV

Complaint narrative:
There are multiple accounts on my personal credit reports that are UNVALID as in never been validated items. A few different creditors, none in which i've ever come into relationship with. These accounts just don't belong to me. They've been on my report for about a year now and ive been back and forth with these credit bureaus about removing ( blocking ) these fraud accounts pursuant to the FCRA 605 ( b ) law I've sent out all the necessary documents needed to activate a blocking on these accounts, yet these credit agencies have failed to do so. Why? I have yet to receive any concrete evidence or proof of validation with these reported items from neither party ( credit agencies or creditors ). This is blasphemy, that these credit bureaus have been willfully disobeying credit laws at the consumers expense. It has been XXXX trying to reestablish my identity and these credit agencies have been little to no help. I need the CFPB to oversee this to make sure these credit agencies due their jobs with providing full proof of VALIDATION of the fraud accounts they've deemed " accurate and valid '' Pursuant to Fcra law 809 ( a ) ( b ), and no i've never hired any credit firm to help me amid these tragic events, i sincerely made phonecalls to all 3 bureaus, asked questions, got answers, and went online at FTC.GOV to study the FCRA Laws, THIS IS ALL FREE AND ANYONE CAN DO THIS, IT IS NOT A CRIME TO KNOW MY CONSUMER RIGHTS! So XXXX you guys at the office who left the last cfpb response not honoring my request because you said i hired a credit firm and you didnt think i've authorized these disputes, are XXXX! All of ya, XXXX! THIS IS ME, XXXX XXXX, This isn't rocket science as everything needed to know is ONLINE. Yall have willfully broken fcra laws and i KNOW IT, These are unfair business practices and ill fight tooth and nail until you guys fix these mistakes! Otherwise ill sue and i keep a trail of EVERYTHING.

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