vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 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: AZ

Complaint narrative:
I have submitted multiple disputes to get accounts removed from my report. I am a victim of identity theft since 2007. These negative accounts that are not mine are negatively affecting my credit, and not allowing me to get the loans I need for my business.

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 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX : XXXX XXXX, I contacted XXXX  to get fiber optic internet service because my boyfriend was having trouble getting it through XXXX XXXX XXXX. The sales person said XXXX could supply that service, so I gave them information to open an account. 

XXXX XXXX. - I spoke with the property manager at my apartment complex at about XXXX XXXX. and mentioned that I had gotten fiber optic service with XXXX. He stated that he knew for a fact that XXXX  could not provide fiber optic internet service because he had tried to obtain it for the front office but could not. He stated that XXXX did not have the underground cables and hardware to supply fiber optic service to anyone in the building -- only XXXX XXXX XXXX had spent the money to install the correct underground equipment. 

XXXX, I called XXXX back to cancel the account. I explained what I had learned to the representative on the phone. After about 20 minutes, the person on the phone stated that the account was closed. He said there was a chance that I might still get equipment in the mail and if I did, to just take it to a XXXX  store to return it. 

XX/XX/XXXX I received internet service equipment from XXXX via XXXX. I did not open it or install any equipment XX/XX/XXXX I received a bill for {$160.00}. I assumed it was not correct because I had not yet returned the equipment. 

XX/XX/XXXX XXXX XXXX - I returned the unopened equipment to the XXXX  store on XXXX XXXX, in XXXX. I watched employees open the box and take out shrink-wrapped equipment. 

XXXX XXXX I received another bill, which showed a previous balance of {$160.00} but did not explain those charges or say it was a final bill. 

XX/XX/XXXX I received a letter from AmSher Collection Services , Inc., stating that it had been hired to collect the {$160.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: ID

Complaint narrative:
I have a court order that absolves me of responsibility on a Us Bank acct opened in 2008 because of fraud. XXXX XXXX XXXX has been harassing me, and people who know me, about this debt. They havent provided anything in writing and make false claims, such as : theyve checked my credit, this is a filed judgement and I better not miss my court date.

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 2020-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Service Bureau, Inc.
State: PA

Complaint narrative:
I was billed for {$10000.00} for going to the XXXX  for XXXX pain in XX/XX/XXXX. The hospital settled for {$2500.00} which I paid on XX/XX/XXXX. In early XX/XX/XXXX GSB debt collection agency sent me a notice in the mail that I have to pay {$7500.00} I explained to GSB Debt Collector that XXXX XXXX XXXX had settled with me and that I do not owe anymore to the hospital. I explained this in my email to GSB collection agency and I have attached a copy of the transaction and proof of payment with the hospital on XX/XX/XXXX. I also spoke with Account Manager XXXX from GSB on the phone, on XX/XX/XXXX before sending the email to ask why was I getting a bill from debt collection. She said the account will be cleared if I send the proof of payment to the hospital.. I also spoke with XXXX XXXX XXXX XXXX on XX/XX/XXXX and she told me I need not worry because I don't owe and that the accout has been settled. That the hospital will send me a copy of the statement of this account being cleared. I have not received this letter until today XX/XX/XXXX. Yet again on XX/XX/XXXX, the collection agency sent me a letter with an itemized list of charges totalling to hospital acct balance of {$7500.00} and payments and adjustments that I paid for {$2500.00}. This being said, I feel being harassed by the collection agency and that I was scammed by the hospital when they told me they settled but then it appears that I still owe them. I am leery that this is not going to stop and it is interfering with my mental health particularly during this time of Covid and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-09-29 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX we purchased a trip through XXXX on XX/XX/XXXX. It was a travel all-inclusive package for the dates in XX/XX/XXXX for a total amount of {$3400.00}. with the following payment structure : 1st Paydelay {$98.00} 2nd Paydelay {$560.00} 3rd Paydelay {$560.00} 4th Paydelay {$560.00} 5th Paydelay {$560.00} XXXX Paydelay {$560.00} 7th Paydelay {$560.00} My Citi Bank credit card was charged a total of 6 of the 7 payments ( line items 1-6 above ) ( the 7th line item was paid via DIFFERENT credit card and already returned to me ). 

Citi Bank has returned only line item 1 ( {$98.00} ) The other 5 payments have not been returned and I am told WILL NOT be returned because XXXX will not give me my money back even though THEY cancelled the trip at the last moment due to COVID-19 restrictions on travel. ( Attached letter from XXXX  ) Efforts to work with Citi Bank have been going for months and they have repeatedly told me there is nothing they can do which I feel is a disservice. I paid for goods I never received cancelled by the vendor in the form of a letter instructing me to contact my credit card company. 
I want my money back! 
I believe they owe me {$2800.00} by my records.

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 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
A second part of my original complaint : Midland threatened to contact my employer/ Supervisor and manager. This company also failed to provide me with documentation to validate this alleged debt and I have not had a delinquent CC debt for 3-5 years so this may be an old debt that is passed the allotted time frame. Ive sent a second request to validate this alleged debt even though I didn't receive a response from them within the 30 days as required by law. 

Original Complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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:
Dear administration, Thank you for your help, my address changed for real now, however Experian send me a letter where wrote all my credit report correct and credit what was paid full and this request do my husband XXXX XXXX for finance a car, not removed. 
Three request what I never do not removed too. 
I do understand from this letters any member of family credit request can be added to my credit report if they need or someone want? What about neighbours in my area? Second questions, - I have XXXX grandchildren, are you add their request to me too? 
Please remove credit request from my report what I never to do! 
I do not request cars finance, I was send you a list request what was done by me! I am do not request you clear all my report, part request I do. 
My opinion a person who make this mix in my credit report try still information and take green card for self what is illegal, they try still date. 
Please help me, alternative I must be move this evidence to the court. 

Best regards, 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 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
Im having a problem with I.C. System INC they are a debt collector for XXXX  communications. They are saying I owe XXXX the Information was updated XXXX. Theyve put 3 derogatory remarks on my XXXX  credit report for the same account. Ive had this same issue with a different collection agency for XXXX  for the same XXXX owed to them but this was on my XXXX  report. I spoke with XXXX  and disputed on my XXXX  and the account was removed from my XXXX. Now 5-6 months later its a different debt collector and a different credit report. And everyone knows you cant call and speak with anyone at XXXX. I called i.c. System inc and told them I have a letter from XXXX  and the account does not belong to me the account belongs to a guy named XXXX my name is XXXX these are 2 different names! The address that this account is linked to Ive never lived at! I also currently have a open XXXX  account in good standing, and Ive had this account open for years. They do not care! They told me to contact XXXX  about this account. And hung up on 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 2020-09-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: NV

Complaint narrative:
I have sent over verification of my signature which showed that this account is not mine. I have sent several letters asking for verification of the debt sending a wet ink signature showing that this acct was signed for. They ignore my request and only send a letter asking if I want to try to apply for a loan discharge. When 99 % of people applying for this discharge has been denied. This is according to a current lawsuit against Federal Loan Servicing. 
They never responded to my letter and it's over 30 days. So they are in violation of FDIC and FDCA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29 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: AZ

Complaint narrative:
I have submitted multiple disputes to get accounts removed from my report. I am a victim of identity theft since XX/XX/2007. These negative accounts that are not mine are negatively affecting my credit, and not allowing me to get the loans I need for my business.

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 2020-09-29 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: AZ

Complaint narrative:
I have submitted multiple disputes to get accounts removed from my report. I am a victim of identity theft since XX/XX/2007. These negative accounts that are not mine are negatively affecting my credit, and not allowing me to get the loans I need for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-09-29 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: NY

Complaint narrative:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Equifax has no record of any credit activity at all, and can not pull up my information, despite years of credit history existing. 

I initially applied for a home loan and was informed by the bank that it appeared I had a credit freeze on Equifax. 

I then called Equifax customer service the first time on XX/XX/2020 to inquire. I was informed that I needed to submit in writing a letter to their fraud department. This letter was to contain a copy of my drivers license and social security card with a brief description of the problem. I complied and submitted the letter as required. 

On XX/XX/2020 I received a rather unhelpful response back by letter which I have attached. Stating mainly that they do not have a credit file for me currently. 

That same day I called their customer service for the second time to inquire how that is possible considering I have numerous creditors that supposedly report to all three major credit agencies. I have years of accurate credit history showing with both XXXX  and XXXX. 

They simply told me the computer is pulling nothing up and suggested I call my creditors and have them resubmit the information. 

I called XXXX XXXX that same day on XX/XX/XXXX and they suggested I submit a complaint and offered to submit one on their behalf. 


Essentially Equifax has no record of any credit history and the issue is not being resolved. It is inhibiting my ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: NY

Complaint narrative:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2020-09-29 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:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I attempted to withdraw {$1000.00} from my account. The ATM did not dispense the funds to me, but my account was debited for the full amount. Returned to the B of A branch where it happened ( they are also the issuer ) and upon learning that it was an EDD card they coldly referred me to the number on the bank of the card ; the guy in the suit treated me like I was something he peeled off the bottom of his shoe. After calling several times, and being disconnected after waiting on hold for exactly an hour each time, I did manage to get someone to direct me to a supervisor, who seemed to disconnect the call beforeI could explain the issue and didn't call back. They have a rep verify all your info and transfer you, but nobody ever answers your call. I returned to the branch at XXXX XXXX XXXX XXXX XXXX XXXX and asked to speak to the branch manager or someone with compassion that would actually help me navigate the process and get some help. I was refused. I told them I would be waiting for the manager outside, and proceeded to picket with a large sign for 5 hours. Not one of the employees was willing to even engage with me, they would rather have me share my negative experience in front of their place of business. What arrogance? And how can they be allowed by the government to victimize people like this with absolutely zero recourse?

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 2020-09-29 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: NY

Complaint narrative:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: NY

Complaint narrative:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2020-09-29 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:
There is a hard inquiry from XXXX XXXX  / XXXX on XX/XX/2019 that was not authorized. I wrote to comenity and was advised they would be removing the inquiry as it was in error. Equifax refuses to investigate and remove the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lake City Credit
State: TX

Complaint narrative:
I contacted XXXX  XXXX in XXXX about the account they were attempting to collect and requested verification of the amount allegedly owed by way of billing statements and a show of how they got the to amount they claim. At the beginning of the year they claimed I owed {$9000.00} and have now increased that amount to {$9300.00}. From what I've read it is illegal for a collection agency to add interest and fees to a debt in the state of Texas and is a violation of state and federal debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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