vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX I was applying for a loan and set up XXXX XXXX. 
I noticed on my account that I had a collection from Arbor Professional Solutions ( APS ) for XXXX XXXX XXXX of {$830.00} dated XX/XX/XXXX. 
My deceased father and I have the same name, I don't recall going to XXXX XXXX XXXX and they are out of business. 
I called Arbor Professional Solutions on XX/XX/XXXX and XX/XX/XXXX requesting proof of the debt. On XX/XX/XXXX they admitted that they had not sent any collection notices to me but that they would get it in the mail. They never sent the information. 
Arbor is still reporting a delinquent collection. 
I have written the credit reporting agencies and both stated APS claims it is a valid debt. 
On XX/XX/XXXX I sent then registered note that I had disputed the account information and requested that they had 30 days to provide proof of debt or remove the inaccurate information they are reporting. 
In that letter I stated that I would report them to the CFPB and to the XXXX  and if necessary take legal action. 
I have not received any correspondence from APS.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS INCLUDING " XXXX XXXX XXXX  '' I HAVE NEVER DONE BUISNESS WITH THIS COMPANY! THE ACCOUNT WAS REMOVED AND THEN PUT BACK ON MY CREDIT FILE!

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 2020-12-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America prepaid debit card from the California EDD. I have been attempting to withdraw funds for my XXXX rent, however Bank of America has closed my card and frozen my account without giving any reason. I have been on hold for hours. I was told by one representative that EDD had shut down all cards and was redirected to contact EDD. After speaking with other people experiencing the same issue it appears that BOFA has frozen the accounts on their own and is offering no information or solutions to the general public.

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 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: First Technology Federal Credit Union
State: MN

Complaint narrative:
Hi i was suppose to receive a {$100.00} Referral sign up Bonus for opening up the account with a referral please help with this thanks in advance. 

Referral used- https : //refer.firsttechfed.com/s/ankitar Terms - " Opens a qualifying checking account ( Carefree Checking, First Checking Plus, or Dividend Rewards Checking ) Deposits at least {$250.00} into the account within 30 days of opening and maintains at least a {$250.00} balance for 30 days from initial deposit First Tech will deposit the rewards into the Membership Savings Accounts of both parties within 30 days of the referred member meeting requirements. 

https : //www.firsttechfed.com/pages/refer-a-friend

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX I visited a Mattress Firm store and ordered a new mattress and adjustable base. The sales associate submitted a financing request to Synchrony Home and he advised that I was approved for {$1300.00}. My purchased was for {$2400.00} and Id be paying the remaining difference out of pocket. The difference would be paid prior to my delivery date of XXXX/XXXX/20. My purchase was delivered ; no issues. 

Around XX/XX/XXXX I received my first billing statement from Synchrony which reflected a balance of {$1300.00}, a credit limit of {$1200.00}, and minimum payment of {$47.00}. To my dismay, the statement reflected an OVER THE LIMIT amount of {$120.00}. Today, XX/XX/XXXX I called Synchrony and the representative, after she spoke to her supervisor, advised me that they will allow the store to push through a total higher than the approved credit limit. The ONLY resolution she had was for me to request a credit line increase. Never did the store advise that I was actually approved for only {$1200.00} BUT NEVER should Synchrony have allowed a pushed amount over and beyond the credit limit. I now risk an adverse action such as loss of credit score points due to this UNACCEPTABLE AND DECEITFUL PRACTICE. Of note, I immediately called the store and was advised that they are allowed to submit a purchase amount 10 % higher than the approved financed total XXXX {$1200.00} + 10 % = {$1300.00} ). Never should a company make decisions on your behalf & should ALWAYS obtain the consent of the customer prior to.

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 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allgate Financial, LLC
State: RI

Complaint narrative:
Paid off this debt in full to JH Portfolio Debt Equity in the amount of {$490.00}. The agreement was to remove item from credit report if I paid off the debt. The original holder of the account was XXXX XXXX XXXX XXXX XXXX. The phone # is XXXX. 
I've tried to call several times with no luck. The account is on XXXX  as unpaid debt, but was removed from XXXX XXXX and XXXX. I also tried calling JH Portfolio, but they went out of business. I researched that company only to find that it was complained on several times through XXXX. Apparently now a company call Consumer has the account. I researched, but apparently that company doesn't exist, This is a really old account opened back in XXXX and paid off in XXXX. Please help with the removal of this account if all possible ... Thank You!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Good evening! 

I already did my disputes with the bureaus and I requested proof of ownership so far they could not meet my requirements that's the reason why I'm filling this complaint

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 2020-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello! 

I already open the disputes and I requested proof of ownership and they could not prove that this account belongs to 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 2020-12-30 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: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS INCLUDING " XXXX XXXX XXXX  '' I HAVE NEVER DONE BUISNESS WITH THIS COMPANY! THE ACCOUNT WAS REMOVED AND THEN PUT BACK ON MY CREDIT FILE!

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 2020-12-30 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: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS INCLUDING " XXXX XXXX XXXX  '' I HAVE NEVER DONE BUISNESS WITH THIS COMPANY! THE ACCOUNT WAS REMOVED AND THEN PUT BACK ON MY CREDIT FILE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: NV

Complaint narrative:
Capital One bank auto system for balances is not going threw and it puts me on hold for 45 min or longer to speak to some one. I don't have 45 min or longer to speak to some one. I want the automatic system. Capital One Bank was paid off in full on XX/XX/2020 I tried to check my balance after paying the balance on the statement and calling to make sure there is a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Trying to initiate an international wire transfer through the BOA online portal. Have never had an issues doing this between my USD account in the US and overseas. My last transaction was in XXXX 2020. This time around I got a message stating that the transaction could not go through as BOA does not have the fee information from the receiving bank. I contacted the receiving bank ( XXXX - Overseas ) - they stated that they do not charge a fee. Emailed and contacted BOA and they told me that the fee structure is housed with your agency ( FCPB ) and that every transaction makes a call to your database to get the information, if the information is not available is gives an error message, similar to the one I received. I don't agree with what they told me!!! My case number with them is XXXX dated XXXX XXXX, 2020. My original emaIl was to XXXX and I have since been dealing with XXXX XXXX at XXXX XXXX XXXX XXXX at Bank of America.

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 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Many times I have tried to get the companies to collect proper information and change my report but for years they will not listen

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting to remove the fraud alert on my Credit report. I've sent mail about it but Ihave n't got any response yet from the credit bureaus. Please help me. Thank you!

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 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting to remove the fraud alert on my Credit report. I've sent mail about it but Ihave n't got any response yet from the credit bureaus. Please help me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I called ProCollect to discuss a letter I received that whet to a wrong address. The collector didnt notify me that the call was recorded until after they had my account pulled up. They didnt have me verify any information to prove I was the consumer. They refused to give me a manager. The collector told me that they report on the first of the month after the account has been there for 30 days which would be XX/XX/XXXX. I advised that I would call back and the collector said that I was refusing to pay even though I told her I wasnt refusing. I called back later on XX/XX/XXXX with a 3rd party on the line. The collector again didnt say the call was recorded until the middle of the call. They refused to let me give permission to speak with the 3rd party. They didnt verify I was the correct person again. They also refused to give me a manager on that call and hung up on me. On XX/XX/XXXX an unauthorized 3rd party called them and said he was my husband. They didnt have him verify to make sure he was an authorized party. The collector then told the unauthorized 3rd party that they reported my account as soon as they got it. They refused him a manager. The collector then proceeded to keep talking over him and wouldnt let him ask questions. The collection agency then called me approximately 3 hours later on XX/XX/XXXX after they already talked to someone about 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 2020-12-30 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: CO

Complaint narrative:
I disputed inaccurate accounts reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX.

Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: I.C. System, Inc.
State: IL

Complaint narrative:
i xxxx xxxxx am writing about a previous disputed account thats on my credit profile report .That took more that 2 weeks too report that it was disputed.I 've made several attempts to dispute this negative, unverified account by USPS registered mail on XX/XX/2020. I ask that this account be immediately deleted. This erroneous account is hindering my ability to obtain funding, and causing me too pay higher interest rates!!. This violation of the fair credit reporting act ( FRCA ) should be removed forthwith per my request please ... ..

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 2020-12-30 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: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS INCLUDING " XXXX XXXX XXXX '' I HAVE NEVER DONE BUISNESS WITH THIS COMPANY! THE ACCOUNT WAS REMOVED AND THEN PUT BACK ON MY CREDIT FILE!

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 2020-12-30 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: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS INCLUDING " XXXX XXXX XXXX '' I HAVE NEVER DONE BUISNESS WITH THIS COMPANY! THE ACCOUNT WAS REMOVED AND THEN PUT BACK ON MY CREDIT FILE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I had asked XXXX XXXX, the issuer of Pep boys Credit Card, to remove old information from credit reports ( All three bureaus ) and they had failed to do it.

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