vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: VA

Complaint narrative:
Hello This was placed on my credit reports without any communication as to what this collection is for. I was not sent any information about this collection. Nor sent any information as to if this is my debt. 

I am not familiar with this Business. 

I sent request to have information sent to me regarding what this collection is for and information on amount saying I owe and to whom. 

I am disputing this debt on my credit report as perhaps false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I recently was attempting to get a mortgage for a home. And I checked my credit report and notice the I had a false collection account totaling the debt of {$410.00}. This debt is not mine. I never has an agreement of contract with this company. I tried calling this company and was hung up on multiple times. I also sent letters to this company stating this debt isn't mine. I need this collection account removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was a with SYNCB/WALMART customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX, XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2020-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: FL

Complaint narrative:
I reached out to Avante USA requesting proof of ownership of the debt and offer to fully pay if they could proof I was the real owner of debt and would agree to remove if paid. They did not provide proof I was the owner. They said the account would be removed if paid in full. I paid to have it removed. They have not removed the debt. It is still effecting my credit score and preventing me from get a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I received a Email falsely stating that owed {$460.00} to LVNV Funding LLC that I have from a credit card with the XXXX XXXX XXXX on XX/XX/2003. First of all, they claim a address that I never lived there. Second of all a date that I never applied for that credit card. According to the Email sent, they have an account with XXXX XXXX # XXXX XXXX XXXX. 

Perfectly clear this is definitely NOT ME. 
Please I need this claim to be removed. 
Thank you an advance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Zip Co US Inc.
State: KY

Complaint narrative:
I made an online purchase with XXXX and immediately cancelled it. I paid with QuadPay. They did refund the initial payment then debited {$1.00} from my account. There isnt supposed to be any fees if the purchase is canceled or refunded. They do not provide a phone number to contact. They have online chat only and will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Kashia Services
State: MI

Complaint narrative:
I was contacted by the company Better Day loans, out of XXXX California on XX/XX/XXXX after XXXX EST. They said I had filled out an application, and did I want to proceed. I told them that I had not filled out an application, and that they should remove me from the system. 

I asked for a manager to make that request, who then asked for my social security Number. I told him no, I then asked for his name ( He gave it as XXXX XXXX ). He then said they would cancel all my info and send it to an email. He wouldn't tell me the email, so I could not verify if they were even stripping out my information correctly. 

My phone captured their information as : Response Team XXXX XXXX XXXX XXXX , XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX , OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: Advance Bureau of Collections
State: GA

Complaint narrative:
I submitted a CFPB complaint on XX/XX/XXXX against Advance Bureau of Collections ( complaint id XXXX ) regarding a debt that had already been paid and them adding a collection account on my credit for this debt. Their response acknowledged this debt had been paid and they said they would remove the account from my credit. As of today XX/XX/XXXX, this account is still showing on my credit as a negative collection item. It is absolutely absurd that I am having to file a 2nd complaint to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
Received garnishment papers. Does not state, DATE OF THE ORIGINAL DEBT OR WHO IS THE ORIGINAL DEBT FROM!! This is a 3rd party that is trying to get money off a old debt this is PAST STATUTE OF LIMITATION!! I will NOT pay anything, as it does not state WHAT YEAR THIS DEBT IS FROM!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I recently had my credit pulled and noticed that Equifax was not providing me with a score. I have multiple lines of credit open that report to them so I'm not sure why they're not providing me with a score. They are the only credit bureau that aren't providing me with a score and I need one immediately to begin my home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I repeatedly since XX/XX/2020 been sending and calling in every month to have this collection deleted from my credit report. this is not my debt I don't know who you guys are and I don't have a contract or an agreement with you. I do not owe this company any money. I have 3 collection on report from this company totaling {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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:
I figured out that I have a mistake in my report. I kindly ask you to help me because I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report. Please I kindly ask you to take appropriate actions.

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 2020-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I the consumer submitted CFPB complaint XXXX on Transunion LLC on XX/XX/2020 via CFPB portal. 
Transunion sent letter XX/XX/2020 Refuse to investigate unless provided letter from the court in which I provided in CFPB complaint XXXX along with evidence that showed that the public record was not reporting 100 % accurately and the same across all three bureaus. 
Transunion sent a second letter XX/XX/2020. Received letter XX/XX/2020 Stating that results are verified as accurate. Item is still reporting inaccurate on credit report and must be deleted immediately. 
XX/XX/2020 in CFPB complaint XXXX Transunion keeps stating in every CFPB complaint : " We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. '' 15 U.S. Code 1681 ( e ) ( b ) states " a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates ''. Transunion is not following reasonable procedures to assure accuracy of the public record that they are reporting on my credit report. Transunion claims that they verified the public record with XXXX XXXX XXXX GEORGIA. This court name is inaccurate and continues to report as U.S. Bankruptcy Court as XX/XX/2020 which is an inaccurate court name. I have provided factual based information in last CFPB dispute. In order to report a public record on a consumer 's credit report it must be reporting 100 % accurate. If it is not reporting 100 % accurately across all three bureaus it must be deleted via the Fair Credit Reporting Act.

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 2020-12-23 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:
Dear madam or Sir ; I have been out the XXXX for time now. I decided to come back home to Florida to Purchase Property for me and my Family. I check my credit. I notice these accounts that I did not authorize. This is Fraud. I never had any Business with these Companies. Someone use my identity without my authorization This is Wrong ; Now I'm here dealing with the stress of being a victim of identity theft. something needs to done about the fraud in Florida with people Stealing identities and Companies are letting them get away with 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
Consumer complaint received 2020-12-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reaching out to you today because I feel that XXXX, Experian, and XXXX  have violated the Fair Credit Reporting Act. I have been sending letters to the credit bureaus because I feel that there are a lot of items being reported improperly. I've been working diligently to get a home and all of these accounts are falsely reported. The investigations did not resolve my issue, and then the credit bureaus stopped investigating my accounts. Please investigate every account and its validity, I need this home and vehicle but these misreported items are solely hindering that.

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 2020-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Direct Recovery Services, LLC
State: FL

Complaint narrative:
I am being threatened to be taken legal action outside office, but wont give information, I got a call from " XXXX XXXX '' stating I needed to call them because after XX/XX/XXXX the matters will be taken care of outside of the office etc, I called the number provided in the recording which is XXXX and someone answered so I asked where I was calling and they stated direct recovery service, so they said How can I help you, when I stated I was returning a phone call but wanted to know where and who was calling THEY SAID " i JUST TOLD YOU '' and rudely hung up the phone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Well the bank or XXXX XXXX stole my money one of the other they don't want pay me back they had XXXX my life bb & t

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 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020 my account was XXXX  XXXX I did a cash deposit of XXXX XXXX two XXXX dollar bills and one XXXX dollar bill which left my account a XXXX  XXXX I wake up the next morning the bank is saying I am a negative XXXX buck I called they took off the XXXX over draft fee but my account still XXXX  XXXX bucks and some change!! Here is the thing this has happened numerous times which I did t have prof but I have this prof where the banks just do what they please now I want all my money from where they have done wrong or Ill file a class action lawsuit against 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 monetary relief
Consumer complaint received 2020-12-23 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Best Buy Credit Card/Citi Bank Balance is XXXX, its still showing a balance of XXXX on my credit reports.

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 2020-12-23 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: FL

Complaint narrative:
Dear madam or Sir ; I have been out the XXXX  for time now. I decided to come back home to Florida to Purchase Property for me and my Family. I check my credit. I notice these accounts that I did not authorize. This is Fraud. I never had any Business with these Companies. Someone use my identity without my authorization This is Wrong ; Now I'm here dealing with the stress of being a victim of identity theft. something needs to done about the fraud in Florida with people Stealing identities and Companies are letting them get away with it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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:
Dear madam or Sir ; I have been out the XXXX for time now. I decided to come back home to Florida to Purchase Property for me and my Family. I check my credit. I notice these accounts that I did not authorize. This is Fraud. I never had any Business with these Companies. Someone use my identity without my authorization This is Wrong ; Now I'm here dealing with the stress of being a victim of identity theft. something needs to done about the fraud in Florida with people Stealing identities and Companies are letting them get away with 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
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020, this writer contacted XXXX XXXX XXXX XXXX to informed the credit union about NF fees charge to my checking 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 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020, this writer contacted XXXX XXXX XXXX XXXX to informed the credit union about NF fees charge to my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: FL

Complaint narrative:
On XX/XX/2020, this writer contacted XXXX XXXX XXXX XXXX to informed the credit union about NF fees charge to my checking 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 2020-12-23 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:
I figured out that I have a mistake in my report. I kindly ask you to help me because I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report. Please I kindly ask you to take appropriate actions.

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 2020-12-23 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Around XX/XX/2019 my car was repossessed, I pay all fees to get the car back then i have been paying every month on time until todays date when looking to my credit report, Santander has reported my account as a charge off. 
my payment has not been reported to the credit bureau and my statement received from Santander shows that my account is current but the status as charge off and its causing me a lot of financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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:
This is my second dispute about items contained in my credit I sent out disputes to the credit bureaus about accounts that are being reported on my credit that were not authorized by me. You had come back verified, how did you verified, who did you talk to? PLease send me physical proof of verification as the law require, you most have the documents to sustain your reporting. 
I have filed an ftc report to document this and would like you to help me resolve this matter.

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