vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The accounts do not belong to me. I never made a deals with these banks. Please remove as soon as possible all incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I rented a room in XXXX XXXX, now XXXX on XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX. When signing the lease, the apartment management did not require a security deposit. 
On XX/XX/XXXX, three months after I had moved out, my mother received an email from the management with an invoice for the following charges : {$73.00} for a coffee table, {$50.00} for a bedroom door, {$160.00} for a mattress, {$45.00} for bedroom/bathroom cleaning, and {$5.00} for an electrical overage, totaling {$340.00}. They claimed that they had notified me about these charges on XX/XX/XXXX via email and uncertified mail, neither of which I received. 
On XX/XX/XXXX we sent a letter via certified mail disputing the charges, and including check # XXXX for the electrical overage. The coffee table had been paid for by my roommate who had caused the damages. The bedroom door had already been paid for on XX/XX/XXXX by check # XXXX which they deposited on XX/XX/XXXX. I did not do any damage to the mattress or room other than normal wear and tear. I believe this error may be because I switched rooms with permission of the management, so they may be charging me for damage done to the old room by whoever moved in after me. On XX/XX/XXXX, the manager acknowledged via email that we paid the overage. 
This collections claim was added to my credit reports in XX/XX/XXXX for {$340.00}. On XX/XX/XXXX I started receiving collections letters from National Credit Systems for {$330.00}. After getting in contact with them, we sent documentation to show that these were illegitimate and unwarranted charges. The most recent letter on XX/XX/XXXX says that they adjusted the balance and reset it to {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I don't know the company, it's a fraud and they are imposing as an attorney. I wrote a letter to them saying if you think you have an allegedly debts can you please, Validate the alleged debt ( the actual accounting ), Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ),  & provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorised representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account. 
It's unfair, deceptive, & an abusive acts or practices by them. 
P.S. they ruined my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
I pulled my credit and found these bigus accounts being entered on my credit hurting my credit rating. I was never sent any notifucation of these said debts - two so called accounts, right to dispute or any tatements or written communication. I disputed with the credit bureaus and they verifued it. I wrote to dispute the letter and demand investigation and proof of validity and evidence of this debt. This was ignored. I have been on medicare with medicaid as well. This covers all of my medical costs. I have no knowledge of what these are supposed to be from or for, but all my medical costs have been covered. They refuse to send me any proof such as my signed treatment consent, signature on responsibility for this, accounting of what was charged nor psymens received and insurance paid. I do not owe any medical provider, service or hospital.

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 2019-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one sends me offers of preapproved credit cards with attractive bonuses in the mail. And then why I apply, they deny the card. This has happened 2 times in as many years now. 

The last time they said it was because I had closed a Capital One credit card in the past 24 months. Well shouldn't those knuckleheads have checked for that before pre-approving me? 

This time, they said I had too many credit inquiries in the past 24 months. Utter XXXX! Their response was earlier this month and just today I applied for a similar offer for a XXXX XXXX XXXX credit card and it was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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:
The following accounts listed below do not belong to me. I requested copies of the original signed consumer contracts documents showing proof of my signature from the credit bureaus twice and I did not receive any contracts verifying I opened these accounts. Therefore, the credit bureaus are showcasing inaccurate information. I made two attempts and all accounts were verified without my consent and original contracts received. The first written attempt was made on XX/XX/2019 and the second written attempt was made on XX/XX/2019. 

Listed below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The accounts do not belong to me. I never made a deals with these banks. Please remove as soon as possible all incorrect information.

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 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have multiple incorrect addresses and a social on all 3 bureaus and I want them removed. I also have different names that I disputed and they are still on there

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Approximately 6 months ago I submitted a dispute with Ally Financial over a Failure to Pay annotated on all three credit reports from XX/XX/XXXX. 3 months ago, I called to inquire about the dispute, and they re-initiated the investigation. On XX/XX/XXXX, I had Ally Financial initiate another dispute for the Failure to Pay. I have not received any letters on a decision or any other correspondence from either of the previous 2 investigations. The auto loan from Ally Financial, in question, was paid off in full in XX/XX/XXXX. It should not have been a Failure to Pay on my credit report due to being paid off, which Ally Financial has conceded over the phone.

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 2019-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: VA

Complaint narrative:
I do not owe any medical debt whatsoever. 
Because my My medical Insurance covered 100 %. 
National Recovery Agency do not even disclose who is the Dr. when was the date and what treatment has been taken. 
So, it is nothing to do with me. 
Please stop and cease immediately fraudulent collection activity.

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 2019-09-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This is an Apartment lease, not a Mortgage, but mortgage was similar to Apartment in the option box. 
This third party keep calling me about an alleged debt I have with them. I wrote them requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : Validation of the alleged debt ( the actual accounting ) ; Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; & A copy of the contract signed by both parties and therefore binding both parties. 
They threatening to impugn my reputation by publishing derogatory Information about them on my credit report and now my credit is ruined. 
I was misinformed according to Contract Law & there was no Valuable Consideration given by all parties. 
P.s. this constitutes wire fraud, because they claim I owe a delinquent payment. I was contacted via telephone, by them requesting a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have multiple incorrect addresses and a social on all 3 bureaus and I want them removed. I also have different names that I disputed and they are still on there

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 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have multiple incorrect addresses and a social on all 3 bureaus and I want them removed. I also have different names that I disputed and they are still on there

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 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently pulled my credit report and noticed a few incorrect addresses. I live at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX and that should be my only address on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently pulled my credit report and noticed a few incorrect addresses. I live at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX and that should be my only address on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: NJ

Complaint narrative:
Collection agency : XXXX XXXX XXXX Account # XXXX According to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) the credit bureaus are required to verify through the physical verification of the original signed consumer contract or remove the account from my credit report. not a bill or an invoice of a bill.

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 2019-09-13 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: AL

Complaint narrative:
I recently pulled my credit report and noticed this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/1919 I made a teller deposit at the Bank of America at XXXX XXXX XXXX at XXXX XXXX for {$970.00} dollars ( {$520.00} in cash the rest in checks ). They always count the money, sometimes twice using the auto counter. They gave me a receipt for {$970.00}, A day later they sent me a notice that there was a " currency shortage '' and deducted {$300.00} from my account, which hurt me considerably. At XXXX years of age, like many others, I live from pay check to paycheck. This was a huge blow. 

I went to two different banks to get it settled and presented my copy of the receipt for the money deposited and a deposit slip they photographed and placed on my web sight. They talked to me about how it might have happened, including one who said they video taped each transaction. They sounded as if it would be no problem to figure out. The first was the branch at XXXX XXXX XXXX and the second at the address shown above. They all seemed interested in resolving this matter and then it just tapered off - no further response from either branch and none of them answered either by e-mail ( XXXX XXXX XXXX ) ) or messages I left on the answering machined ( XXXX XXXX XXXX ). Both branches had explanations of a probable cause but did not return advise me of their findings or return the money to 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 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
I oulled my credit after being denied credit. I shockingly found entries for two accounts by DirecManagement, who i have never dealt with know who they are. I disputed with bureaus and this  company returned it verified. Note they never sent me any notifucation or right to dispute this debt letters. I only found by checking my credit. I then sent this company a dispute letter disputing and ask8ng for proof of validity and accuracu of this debt and that its mine. This went ignored. Its been over 60 days and no response but the6 keep reporting and hurting my credit. I do not owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased an item from a merchant which was not delivered as described. I asked the merchant to return the item and they provided me with instructions. I followed those instructions, but the merchant stopped communicating with me. After several attempts, I disputed the charge. 

Capital One took my complaint, but even with written evidence of this in an email chain, they would not resolve the complaint and asked me to take unreasonable measures such as spending a lengthy amount of time on the phone ( over XXXX minutes ) and seeking a second company to provide an opinion on the matter. 

The agent from Capital One who wasted my time and was unable to process this matter was XXXX ( XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-13 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: CA

Complaint narrative:
Equifax reported on my annual credit report incorrect information. They wrote that I had a high balance of {$920.00}, at XXXX credit card from XX/XX/2018 to XX/XX/2018. My credit limit is {$400.00}. I called XXXX and they verified Equifax was wrong in this part of my consumer report. XXXX is mailing me proof that Equifax is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
signed up for the Citi/AAdvantage Platinum Select World Elite Mastercard and was approved on XX/XX/XXXX. During this time, they were running a promotion for XXXX bonus miles when you spend {$3000.00} or more in the first three months. This is the reason I applied for this card. I met my minimum spend and was only given XXXX bonus miles. I chatted with a customer service agent through the website on XX/XX/XXXX and was informed that I need to provide them with proof of this offer. How can I do so when the offer was online and I applied online? None of their subsequent communication provides any information on this offer. If I look up their historical information online, I find the dates of the offer to match what I believe was correct. XXXX XXXX XXXX However, they are refusing to look it up in their own system what the historical offer was at that time. I find this to be predatory and flat out lying to your customers. 

I filed a complaint with the XXXX. I received a call from Citi stating since I applied online, they can not honor the promotion. There are several websites that show this promotion was valid during this time period. They refuse to honor it. This is fraudulent.

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 2019-09-13 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:
The following accounts listed below do not belong to me. I requested copies of the original signed consumer contracts documents showing proof of my signature from the credit bureaus twice and I did not receive any contracts verifying I opened these accounts. Therefore, the credit bureaus are showcasing inaccurate information. I made two attempts and all accounts were verified without my consent and original contracts received. The first written attempt was made on XX/XX/2019 and the second written attempt was made on XX/XX/2019. 

Listed below are the accounts : XXXX XXXX XXXX XXXX XXXXxxxx XXXX/XXXX/XXXX XXXX XXXXxxxx XXXX/ XXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX   XXXXxxxx XXXX/XXXX XXXX XXXX XXXXxxxx XXXX/XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX/XXXX XXXX XXXXxxxx XXXX/XXXX XXXX   XXXX XXXX XXXX XXXXxxxx XXXX/XXXX  XXXXxxxx

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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 following accounts listed below do not belong to me. I requested copies of the original signed consumer contracts documents showing proof of my signature from the credit bureaus twice and I did not receive any contracts verifying I opened these accounts. Therefore, the credit bureaus are showcasing inaccurate information. I made two attempts and all accounts were verified without my consent and original contracts received. The first written attempt was made onXX/XX/2019 and the second written attempt was made on XX/XX/2019. 

Listed below are the accounts : XXXX XXXX XXXX XXXX XXXXxxxx XXXX/XXXX/XXXX XXXX XXXXxxxx XXXX/ XXXXXXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX   XXXXxxxx XXXX/XXXX XXXX XXXX XXXXxxxx XXXX/XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX/XXXX XXXX XXXXxxxx XXXX/XXXX XXXX   XXXX XXXX XXXX XXXXxxxx XXXX/XXXX XXXXxxxx

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief