vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 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: WA

Complaint narrative:
Problem with XXXX and Equifax Reporting information that is not validated Reporting information that has been paid in full as not paid in collections Fraudulent inquiries reported even after fraud report confirmation Reporting companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent written letters, 3-5 over the past 6 months requesting response, sent copies of payment agreements, sent copies of money orders paid in full, sent copies of letters stating paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Pretrial conference was on XX/XX/XXXX ... Midland was represented by a lawyer who asked judge for  judgement of {$1800.00} plus legal fees ... When in fact this case was settled with Midland on or about  XX/XX/XXXX after I applied for and was awarded with hardship due to my XXXX status ... Yet their own lawyer told judge some 13 days after case was closed that they were still seeking monetary reward for them ... Sent a lawyer that has no clue that the case he was bringing had already been closed ... Judge motioned the hearing go to trial ... .I found out Midland had approved my hardship and closed my case AFTER the hearing ... .HOWEVER, their own lawyer should know the facts of the cases they are bringing into court ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: KS

Complaint narrative:
All three credit bureaus are stating that my XXXX XXXX XXXX XXXX account is showing a status of " consumer disputes, consumer disagrees. '' I am not disputing or disagreeing with this finding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: KS

Complaint narrative:
All three credit bureaus are stating that my XXXX XXXX XXXX XXXX  account is showing a status of " consumer disputes, consumer disagrees. '' I am not disputing or disagreeing with this finding.

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 2020-08-28 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit 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 2020-08-28 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: MD

Complaint narrative:
I discovered unauthorized inquired in which in I never applied. According to the Fair Credit Reporting ACT, legally these unverified and unauthorized items Must be removed immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XXXX XXXX  XX/XX/XXXX XX/XX/XXXX FACTUAL DATA XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: SC

Complaint narrative:
Enhanced Recovery Co. is attempting to collect on an alleged debt for '' XXXX XXXX '' balance due {$500.00} A debt that I am not aware of, I NEVER received any written notification from them regarding this debt nor have I ever received a phone call, however, without validation of this debt, they place this derogatory information on my credit report. 

Pursuant to the Fair Credit Reporting Act the Fair Debt Collections Practices Act and the Fair Credit Billing Act, this company is in violation of one or more laws. South Carolina Courts have held verification requires reasonable investigation into the facts. This was not the case here. I was not giving my legal right to dispute this alleged debt. Is this an account that has possibly reached the statute of limitation an has been re-aged in an attempt to collect? 

I have never had an account with 11 XXXX XXXX and they have no proof as such account is valid. Yet they have reported this as if it has been validated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: KS

Complaint narrative:
All three credit bureaus are stating that my XXXX XXXX XXXX XXXX  account is showing a status of " consumer disputes, consumer disagrees. '' I am not disputing or disagreeing with this finding.

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 2020-08-28 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit 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 2020-08-28 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: IL

Complaint narrative:
On XX/XX/2020 I discovered I had a bill in collection with Americollect XXXX in XXXX, WI. I called the company and ended up paying 3 different XXXX collections from XXXX XXXX XXXX XXXX XXXX in XXXX, IL. I discovered that the bills were amounts not covered by my insurance company with the largest amount being from service on XX/XX/2020. I paid the entire amount using my debit card which came to over {$1800.00}. Today, XXXX I was notified about a collection on my XXXX XXXX account and I discovered it was again Americollect, and this time it was for {$3300.00}. I called Americollect at XXXX XXXX. I was told by the female on the phone that the new bill was for service at XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. I told the female that I already paid the bill. The female advised me that my XXXX XXXX " reversed their decision '' to pay the bill and I now owed the stated amount. I advised her that I was never notified by either XXXX or XXXX and that I should have been given an opportunity to dispute the decision or at least pay the bill before it was placed on my credit report. I demanded it be removed and I was told the only way that could happen was to pay the full amount or they could mail me out a removal request and I could send it back and they would review it. At this point, I was very upset and admittedly began swearing at the female and demanded to speak to a supervisor. I then spoke with a female supervisor who told me the same options were available to me and nothing else could be done. I asked her how I could have a bill in collection so soon after paying the bill on XX/XX/XXXX. She told me that the bill was submitted to them on XX/XX/2020. I asked her how much the original bills were for and she advised the {$1800.00} and some odd dollars that I had already paid. I then asked her how can I now have {$3300.00} in collection and she stated that it was the same bill but that amount was added after my insurance reversed their decision. I was even more upset at this time in believing that I should have been given time to pay or dispute the bill before it was applied to my credit report. At this point, the supervisor was only talking in circles and gave me no further recourse. I will be glad to pay the amount owed after finding out why my insurance " reversed their decision '', however, I feel it is wrong for them to post a collection on my credit report as they have done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc.
State: CA

Complaint narrative:
They want your money, not to answer your questions or respect youre time. Youll ask what reasonable for answers, theyll say its a pandemic so they dont have to care. Expect 4-6 months for them to close youre loan ... if they do. Well see ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Wakefield and Associates are attempting to collect a debt from me claiming that I owe {$290.00} to The XXXXXXXX XXXX XXXXXXXX XXXX. I don't owe anything to that medical facility as I've never been a patient there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
relative to your response on ticket XXXX " Company still  working '' STATUS " Company response is in progress as of XX/XX/2020 The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. '' COMPANY 'S INTERIM RESPONSE " Our review of the matter is in progress and we will respond as soon as possible. '' This eMessage ( see below ) was NFCU 's last response to my concerns, where they told me in written ( my preferred method of communication ) they considered the matter closed. 
As far as I know this eMessage ( see below ) was from Mr. XXXX XXXX, one of the Two VP 's and one AVP who blew me off. Although it was not signed and was sent to me via a Generic eMessage account, not Mr. XXXX XXXX XXXX official work email account. 

Navy Federal Response XX/XX/2020 : " XXXX XXXX, thank you for your eMessage. We regret that we were unable to provide you with a more favorable response. At this time, we consider this matter closed and will no longer respond. If you have any additional questions outside of this matter, please let us know. Thank you ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: OH

Complaint narrative:
After reviewing my recent credit report, I notice several addresses that I'm not familiar with. I have no recollection of residing at any of the addresses provided below. This is actually my third attempt at trying to remove these addresses from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: CBC Companies, Inc.
State: OH

Complaint narrative:
After reviewing my recent credit report, I notice several addresses that I'm not familiar with. I have no recollection of residing at any of the addresses provided below. This is actually my third attempt at trying to remove these addresses from my credit report.XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX , XXXX  , OH XXXX-XXXX, XXXX   XXXX XXXX , XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX XXXX , OH XXXX-XXXX, XXXX XXXX XXXX XXXX, XXXX   , OH XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: TX

Complaint narrative:
I sent documents proving some information on my credit report didn't belong to me, including a court order to have the information removed, and it still appears months later after multiple attempts to have the incorrect information removed by Equifax, XXXX, and XXXX. 
Specifically, any and all accounts listed from XXXX XXXX XXXX should be removed.

Specifically, any and all Hard and Soft Inquiries listed from XXXX XXXX should be removed because of online fraud and a court order to remove. 
Specifically, on Equifax report any and all late payments from XXXX XXXX XXXX should be removed or marked paid as agreed and on time. 
All three bureaus were sent certified and non certified documents from my attorneys office to have these items removed and they still appear today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2020, I made a wire transfer to Bank of America ( BOA ) in the amount of {$4900.00} the wire was to go into the account of XXXX XXXX  for a deposit on a townhouse I am purchasing. However, the wire turned out to be an electronic bill payment made by my bank XXXX to BOA mortgage. XXXX XXXX  never received the wire. After several temps to trace the money and numerous calls to BOA mortgage, I have not been able to get any answers as to where the funds are and why they haven't returned my check? XXXX states that BOA had received and cashed the check. My bank issued numerous traces and disputes on my behalf. I have not heard from BOA regarding this dispute nor have I been able to get any answers to who's account the money was deposited to. I have called their customer service and even went into the local bank branch and no one has been able to assist or offer me any explanation or resolution.

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 2020-08-29 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: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
I used my Barclaycard to purchase something online. Immediately, after doing the transaction I knew something was wrong and called them. They told me not to worry that it would not charge my account twice and voiced my concerns that I thought something was wrong. Still they said not to worry. I waited for the product to arrive it never did. I tried to call them multiple times, but due to Covid could not get through. I even tried to dispute on their full website and it would not go through. Finally, I called and got through I explained everything to the representative and she filed a dispute. A month or so later a man from Barclay called me and said they were reversing the refund they had given me. Again I tried to explain to him what happened. I asked for this claim to be reviewed by a supervisor. I was told no that they had confirmation of delivery. I again tried to tell him that this was fraud. And he proceeded to tell me that I needed to be more careful when using my credit card. I told him I was careful and called Barclay immediately to report. The person that called me was named XXXX. I asked XXXX what his last name was, and he told me that he would not disclose his last name. I want my XXXX back. This is not the first time this company has done this to me, and I have had my card with them for many years.

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 2020-08-29 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Syncapay, Inc
State: NC

Complaint narrative:
On XX/XX/2020, I purchased a {$200.00} virtual visa gift card via XXXX app. On XX/XX/2020, I tried to use it for the full amount of {$200.00} but the transaction was declined, the payment DID NOT go through. However, when I checked the gift card balance, I found that it has XXXX balance. The transaction was pre-authorization, this hold always falls off in 2-3 business days and the funds go back to the card. In my case, this didn't happen. Prepaid Digital Solutions, the issuer of XXXX app virtual visa gift cards, never re-deposited the {$200.00} back into the visa gift card. 

I followed the instructions listed on XXXX app to resolve this issue and filed a dispute with the Prepaid Digital Solutions on XX/XX/2020, I mailed in my dispute documents to Chargeback Services XXXX XXXX XXXX XXXX, FL XXXX USA, USPS tracking number : XXXX, delivered on XX/XX/2020. I never heard back from them and they never deposited the {$200.00} back into the visa gift card. On XX/XX/2020, I called Prepaid Digital Solutions at ( XXXX ) XXXX at XXXX XXXX ET on a recorded line to inquire about the status of my dispute, the agent wasnt able to find my dispute documents and he got a supervisor involved. The agent then unapologetically advised me to dispute what I paid for this gift card directly with my Bank as their dispute process takes 100 days to resolve. 

Ever since I've been trying to solve this dispute with XXXX without success.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation