vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a dispute with my Bank of America Credit card company for a {$42.00} that I was supposed to receive as a credit from a merchant but never did receive it. Although Bank of America agreed to start an investigation, there was no credit issued to my bank. Therefore, I never got back my {$42.00}. Now Bank of AMerica stated they could not favor my side and ask me to pay back the {$42.00} that they had credited to my account ( although they never processed the refund for me in the first place, stated they would process the refund once they favor my side ). I could not reason with customer service representative because they stated they gave me a temporary credit but I have never seen it on my statement.

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 2018-06-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Today is XX/XX/XXXX for the record, and On XX/XX/XXXX Equifax received my dispute for an error on my credit report. I had already tried disputing this item 2 or 3 times in the past year or so before that and they insisted the information was accurate. This time i have not received any updates or information and when i check the website it is still listed as pending investigation, with an estimated completion date of XX/XX/XXXX. It has been almost AN ENTIRE YEAR. This account in error is one that isn't even mine, it is my mom 's who shares the same name as me and attended the same doctor 's office. The files obviously got mixed up, as at the time i was on state govenrment health insurance and would have not had any out of pocket medical bills. The collection company sent us a an overview of the testing that was billed, and they were all tests run quarterly for my mother 's health conditions. However i have not received any communication from Equifax. The result of the pending investigation is that my credit report is no longer accurate, it reflects higher balances on loans and cards that i have been paying for 10 MONTHS, as well as damaging my credit score i have worked so hard to build. This is completely irresponsible and reprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX kept sending me loan dept collection notices and e-mail request for loan payments after I has sent them notices from XX/XX/2018 up and till now to refaim from contecting me and to cease and desist any and all communication with me regarding my loan account number XXXX and direct all communication with my dept consolidation XXXX XXXXXXXX XXXX at XXXX XXXX XXXX and the XXXXXXXX XXXX XXXX XXXX from the Power of the Attorney representation I has provided to the Ace Cash Express Customer Care Dept Collection department..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/18 and XX/XX/18 ; I requested by certify letters to each of the 3 credit bureaus demanding that they provide " verified proof '' of the following creditors on my credit report : ( 2 ) XXXX XXXX XXXX ; ( 3 ) XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX ; and XXXX XXXX. These accounts are all reporting an inaccurate payment history status. As of this date, XX/XX/2018 ... either of the bureaus has " NOT '' provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, I'm requesting promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and remedy available to be Section 616 & 617 if they fail to comply with Federal Law.

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 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/18 and XX/XX/18 ; I requested by certify letters to each of the 3 credit bureaus demanding that they provide " verified proof '' of the following creditors on my credit report : ( 2 ) XXXX XXXX XXXX ; ( 3 ) XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX  ; and XXXX XXXX. These accounts are all reporting an inaccurate payment history status. As of this date, XX/XX/2018 ... either of the bureaus has " NOT '' provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, I'm requesting promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and remedy available to be Section 616 & 617 if they fail to comply with Federal Law.

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 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/18 and XX/XX/18 ; I requested by certify letters to each of the 3 credit bureaus demanding that they provide " verified proof '' of the following creditors on my credit report : ( 2 ) XXXX XXXX XXXX ; ( 3 ) XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX ; and XXXX XXXX. These accounts are all reporting an inaccurate payment history status. As of this date, XX/XX/2018 ... either of the bureaus has " NOT '' provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, I'm requesting promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and remedy available to be Section 616 & 617 if they fail to comply with Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
They send me to a voice mail system and no one ever contacts me. Please fix this problem and email me at XXXX. Thanks for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I sent letters via certified mail to all three credit bureaus requesting validation for a XXXX XXXX/XXXX   account. Per the certified mail receipts these letters were received by the bureaus on XX/XX/18 and XX/XX/18. No proof of validation was ever sent to me however all three bureaus updated my credit reports stating that the debt was valid. According to the FCRA they should have sent proof that the debt was valid within 30 days of the receipt of my request for validation in order to report the debt as valid.

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 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian Credit Bureau has several items on my credit report that is not accurate. I have sent over multiple disputes some have been removed while others remain on my credit report. The inaccuracy of my credit report is creating me not to purchase a home, as well as affecting any other possibilities that I have in establishing more credit. I feel that the Credit Bureau has discriminated upon me with correcting my credit, creating great hardship for me to maintain housing and other credit dependency needs. This correction needs to be resolved immediately so that I may be able to have an accurate credit score along with improving my score in which the credit bureau has reported inaccurate for the past 24 months.

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 2018-06-30 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 — Investigation took more than 30 days
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
On XX/XX/XXXX, a derogatory remark from Midwest Recovery Systems in the amount of {$1500.00} was reported on all 3 of my credit reports. XX/XX/XXXX, I sent in a debt validation letter to them. Midwest Recovery Systems received my letter on XX/XX/XXXX. I didn't receive a response from them by XX/XX/XXXX. XX/XX/XXXX, I sent in a follow-up letter stating since they failed to validate the debt within 30 days to remove it from my reports as a courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I applied for a loan thru big pictures loan on XX/XX/XXXX they deposited XXXX dollars I was mislead I had know idea that the interest would be what it is they have me paying XXXX for 13 payments which means I pay back over 2 grand I had know idea they dont tell you this I have made 3 payments and haven't touched the principal I'm willing to pay what I borrowed but I can't pay all that interest so I sent the company a stop and cease order on taking money out and I did a stop payment i cant any continue to pay overdraft fees because of them taking these payments out twice a month I believe they prey on people that are in jam and need a little cash and they trap you into paying these big fees I want to settle with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX Credit Bureau has several items on my credit report that is not accurate. I have sent over multiple disputes some have been removed while others remain on my credit report. The inaccuracy of my credit report is creating me not to purchase a home, as well as affecting any other possibilities that I have in establishing more credit. I feel that the Credit Bureau has discriminated upon me with correcting my credit, creating great hardship for me to maintain housing and other credit dependency needs. This correction needs to be resolved immediately so that I may be able to have an accurate credit score along with improving my score in which the credit bureau has reported inaccurate for the past 24 months.

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 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX Credit Bureau has several items on my credit report that is not accurate. I have sent over multiple disputes some have been removed while others remain on my credit report. The inaccuracy of my credit report is creating me not to purchase a home, as well as affecting any other possibilities that I have in establishing more credit. I feel that the Credit Bureau has discriminated upon me with correcting my credit, creating great hardship for me to maintain housing and other credit dependency needs. This correction needs to be resolved immediately so that I may be able to have an accurate credit score along with improving my score in which the credit bureau has reported inaccurate for the past 24 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from Equifax XXXX and XXXX. They are in denial and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from Equifax XXXX and XXXX. They are in denial and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of  XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 


I have a fraud alert on my account that states do not run credit or extend credit without contacting me personally, so I don't understand how these companies got away with doing this without my consent. I'm requesting removal of these fraudulent inquires and an updated credit report from all three Bureaus. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I sent letters via certified mail to all three credit bureaus requesting validation for a XXXX XXXX/XXXX account. Per the certified mail receipts these letters were received by the bureaus on XX/XX/18 and XX/XX/18. No proof of validation was ever sent to me however all three bureaus updated my credit reports stating that the debt was valid. According to the FCRA they should have sent proof that the debt was valid within 30 days of the receipt of my request for validation in order to report the debt as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I sent letters via certified mail to all three credit bureaus requesting validation for a XXXX XXXX/XXXX  account. Per the certified mail receipts these letters were received by the bureaus on XX/XX/18 and XX/XX/18. No proof of validation was ever sent to me however all three bureaus updated my credit reports stating that the debt was valid. According to the FCRA they should have sent proof that the debt was valid within 30 days of the receipt of my request for validation in order to report the debt as valid.

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 2018-06-30 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: MS

Complaint narrative:
The credit bureau has placed a FRAUD ALERT, SECURITY FREEZE and/or EXTENDED SECURITY FREEZE/FRAUD ALERT on my credit file. I do not want a security freeze, fraud alert or extended fraud alert/security freeze on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from XXXX Transunion and XXXX. They are in denial and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from XXXX   Transunion and XXXX. They are in denial and I want this fraudulent inquiry removed. 

XXXXXXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 


I have a fraud alert on my account that states do not run credit or extend credit without contacting me personally, so I don't understand how these companies got away with doing this without my consent. I'm requesting removal of these fraudulent inquires and an updated credit report from all three Bureaus. 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