vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX {$12.00} Letter Claim number XXXX tansaction date XX/XX/XXXX Says IF you still believe this charge to be fraudelent, no further action is needed, and we will continue to pursue this claim as fraud on your behalf I HAVE NOT BEEN NOTIFIED THE RESOLVE A YEAR LATER XX/XX/XXXX Letter SAME claim number {$12.00} Says no further action is needed NO RESOLVE YET? 
Letter XX/XX/XXXX no further action on fraud claim number XXXX {$10.00} XXXX XXXX XXXX XXXX A YEAR LATER NO RESOLVE XX/XX/XXXX no action needed fraud claim XXXX {$49.00} I HAVE NOT BEEN NOTIFIED What the resolve is on any of these fraud claims for over a year. What is the resolve of fraud claim XXXX reported?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: AES/PHEAA
State: NV

Complaint narrative:
credit furnisher will not report accurate and complete information. they have continually stated the information they are reporting to the credit bureaus is accurate when in fact more than 20 violations have been identified in this one tradeline. I feel they are intentionally refusing to cooperate with 15 U.S.C. 1681s-2 / FCRA 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank USA credit card department declined my credit card application since I dont have SSN or ITIN, however, I have an active checking account with them which was opened XX/XX/2019. I also have an updated US address on my file. I believe they can easily verify my identity due to the fact that I am already a Citibank customer. English is not my first language and I have an XXXX. I applied over the phone and declined my  application. In my opinion, I was discriminated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: Franklin Collection Service, Inc.
State: SC

Complaint narrative:
I pulled my credit report and I notice a derogatory collection account on my report from a company named Franklin Collection Services. This company did not have my consent to access my private information. This is an act of Impermissible Purpose to pull my credit report and to have negative un-validated information place on my file. After identifying the company 's contact information I sent them a validation letter accompanied with a cease and desist letter. To this date No valid contract with my signature agreeing to contract with this company has been sent to my address. I do not wish to do any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: Innovis
State: NV

Complaint narrative:
credit furnisher will not report accurate and complete information. they have continually stated the information they are reporting to the credit bureaus is accurate when in fact more than 20 violations have been identified in this one tradeline. I feel they are intentionally refusing to cooperate with 15 U.S.C. 1681s-2 / FCRA 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Based on the time ( XX/XX/2013 ) 7 years other collection agency companies have already " delete '' this bankruptcy Reference Number XXXX for no longer having an effect due to the statute of limitations and in reality it limits me you start a new course obtaining an improved credit report. I strongly ask the administration of Equifax that I understand they can eliminate such bankruptcy so that my credit status improves. I am very grateful that you make this decision for the sake of my family and my own. We would like to start a new life by managing our assets, income, and using our budget wisely. Another point is that this report indicates at the end that No contact information has been reported by this creditor. Thank you. Attached credit report to which I refer : Credit Factor Account Info Reported on XX/XX/2013 XXXX / XXXX CHXX/XX/XXXX Overview Reference Number XXXX Date filed Reported on XX/XX/2013 Responsibility Joint Institution Information No contact information has been reported by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Letter XX/XX/XXXX Dispute XXXX says We've issued a permanet credit {$15.00} What date did merchant pay? THIS IS A NEW PURCHASE XX/XX/XXXX Letter XX/XX/XXXX {$25.00} Permanet Credit became a NEW PURCHASE XX/XX/XXXX What date did merchant pay this? XX/XX/XXXX Dispute XXXX {$17.00} What date did merchant credit? What date did USAA credit?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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 {$9300.00}, {$13000.00}, {$11000.00}, {$10000.00}, {$500.00}, {$780.00}. 
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. 

-- LOAN ACCOUNTS -- 1. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 5XXXX XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -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 2020-01-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX Business expert to review my case Follow Up my complaint to CFPB called and said " Temporary Credits are Permanet and Apply to Accounts " I apologize we disagree 1 ) Why are they called Temporary Credits IF THEY ARE PERMANET? 
2 ) On XX/XX/XXXX Statement Please explain what ( Total Credits ) Represent What Credits are Included in the amount of Total Credits? TRUTH in lending USAA STATEMENT of XX/XX/XXXX says CLEARLY ( TOTAL ) CREDITS APPLIED FOR THIS PERIOD {$910.00} 3 ) Please explain what ( Other ) Credits Represent ( {$2600.00} ) What credits are included in these? 
Am I to Add the ( total ) credit amount that is separated {$910.00} to the ( other credits ) {$2600.00} together FOR a *Real TOTAL of Credits.?? 

And please explain all the New Purchases I did NOT PURCHASE that say.Security of and An Amount Charged. to my Account No Explaination What these are NEW PURCHASES that I DID NOT PURCHASE FOR? There are {$1700.00} I HAVE NO IDEA WHAT THEY ARE FOR ** I KNOW I DID NOT CHARGE THEM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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 {$9300.00}, {$13000.00}, {$11000.00}, {$10000.00}, {$500.00}, {$780.00}. 
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. 

-- LOAN ACCOUNTS -- 1. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 5. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -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 2020-01-16 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: Berlin-Wheeler, Inc. (Kansas)
State: WA

Complaint narrative:
Was contacted by Berlin-Wheeler regarding an account that went to collections. The account originated with XXXX XXXX. After speaking with both XXXX XXXX and Berlin-Wheeler it was determined the account was fraudulently opened by an unknown individual in a  different state. The person had used my name and social security number to open the account. There was an unpaid balance of {$1700.00}. After speaking with Berlin-Wheeler it was agreed that they would not post anything to my credit and would send me a fraud packet to fill out and return. This was in XX/XX/2019. I filed a police report and called Berlin-Wheeler to provide it. They stated there was nothing they could do with it and that I would need to wait for the packet to arrive. I confirmed my mailing address and requested an ETA for the packet. They were unable to provide one. I waited and no packet arrived. I received a notification in XXXX that I had an account in collections on my credit report. I checked and found that they had in fact posted it to my credit report. I called them on XX/XX/XXXX and was given the same story. They would send another fraud packet to me and that there was nothing they could do until they received it back. I explained that this was the second attempt to get a packet and again requested a time frame for when it would arrive. The agent at Berlin-Wheeler stated he was unable to provide one. I still have not received a fraud packet in the mail. This is impacting my credit score as I have not had anything past due on it. They are not assisting in helping me resolve this and I fear they could file litigation To receive payment from me on the fraudulent 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 2020-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
Company never mailed a right to dispute letter. Collection placed on credit report XX/XX/XXXX. Company called me twice XX/XX/XXXX and XXXX. I did not give them any information to verify me and I told them to mail me a letter I would not give them any Information. They called me if they want to collect they have to mail me a letter. The guy said well we dont have to mail yu a letter. It was placed on my credit report before they sent a letter of right to dispute. No communication occurred between us. I am filing a fdca complaint that my rights were violated as it was placed on my credit before I got a letter and never got my right to dispute legally!! I am buying a new car this week and now this is on my credit illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX I phoned Citibank to ask for a copy of the lien and possible termination in the husband 's name only against my property discovered by the XXXX and XXXX in a lien search for XXXX XXXX  in XXXX. XXXX XXXX  said all documents were at Citibank. Citibank phone could not locate any documents using social security numbers and directed me to email the lien department. XX/XX/XXXX I emailed asking for the lien in the husband 's name against my property, XXXX XXXX Citibank XXXX XXXX responded that he had located the lien but that Citibank had already provided the release. I responded that I had only documents for joint liens and asked again for the lien in the husband 's name or for the conversion of any joint lien. XXXX XXXX XXXX XXXX wrote me that any lien in the husband 's name only is restricted and Citibank would not supply it.XXXX I wrote XXXX XXXX and XXXX XXXX that in XXXX , Citibank knew that I was the sole owner of the property XXXX XXXX  XXXX and that therefore Citibank knew that the lien itself was irregular or illegal and that I should be supplied with a copy.I have called XXXX XXXX to discuss , left messages outlining my request, but she does not return my calls. In XXXX, I had satisfied the joint mortgage for my property to Citibank. The lien therefore in the husband 's name only violates banking rules.Citibank is hiding evidence of an irregular or illegal lien and is acting as if it can decide when and how to apply the law. A lien in the husband 's name only was discovered in XXXX.Contrary to XXXX XXXX I have no such lien in my possession. Contrary to XXXX XXXX, the issue is not whose name is on the lien but who is the owner of the property against which the lien is held.From XXXX XXXX XXXX had no right to this lien. Citibank has an obligation to provide it to me. As sole owner, I want a copy of the lien against my property and any attendant documents. From XXXX I was the sole legal owner of XXXX XXXX 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 2020-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
this account does not belong to me i have tried to resolve this account with the creditors but have been provided with no help. i have also notified XXXX of these fraudulent accounts and have asked them to remove these accounts from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: OK

Complaint narrative:
On XX/XX/2019, Commonwealth Financial Systems added 4 collections to my credit report for XXXX XXXX in XXXX, TX- a city I have never lived in and a hospital I have never been to. I've disputed all of them with XXXX and one was removed within a few hours, I'm still waiting on the other 3 which total up to {$1200.00}. I have also filed a complaint with the XXXX. I have found countless complaints online from people who also got hit with fraudulent collections from this company. If they keep hitting my credit with fake biulls I will not hesitate to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
I noticed there is two collections on my credit report. The collector is Midwest recovery systems. The original debt was from XXXX XXXX XXXX XXXX. The amounts are XXXX and XXXX something. My issue is several things. First this debt is almost ten years old. And also inaccurate! 
These amounts were covered by insurance but because of a clerical mistake I was still billed. Now even though it was settled this debt keeps popping up but with a different collections company over the last couple of years. I have filed two other complaints with successfully removing them from my report. Now another company is attempting to collect the same exact debt. This company is calling my phone 40 times a day. I attempted to speak and explain this but the guy kept insisting on a payment. After making it very clear there will be no payment because the debt isnt accurate. The guy says well you will be sued!!? Well I know that even if the debt was accurate it is to old to sue. They cant do that can they? I would like the accounts removed from my report. Better than that Id appreciate an inaccurate debt to not be repeatedly sold to different recovery comp. I dont understand if the accounts are closed over and over why it keeps coming back. As always if it isnt removed and harassing phone calls dont stop I will seek litigation! These companies that repurchase these accounts should verify the accuracy of debt and probably should be some way to verify this information from the previous collections comp. they could easily show these accounts previously closed due to inaccuracies. Thankyou for your time and assistance. Sincere regards, Mr XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
this account does not belong to me i have tried to resolve this account with the creditors but have been provided with no help. i have also notified experian of these fraudulent accounts and have asked them to remove these accounts from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Davis and Goldmark, Inc.
State: NY

Complaint narrative:
this account does not belong to me i have tried to resolve this account with the creditors but have been provided with no help. i have also notified XXXX of these fraudulent accounts and have asked them to remove these accounts from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation