vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 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: AZ

Complaint narrative:
XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX  a balance due of {$63000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I traded this vehicle in and XXXX XXXX was paid in full. ( Please see attached Account Closed summary dated XX/XX/XXXX, as well as the Last Payment statement dated XX/XX/XXXX. ) This false reporting of a closed account with a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THIS INDIVIDUAL TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
The aforementioned credit collection agency representing Account Resolution Services has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX  and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Account Resolution Services does not have any documentation, they need to retract this from my credit file immediately.

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 2020-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
On the XXXX of XXXX my money was transferred to Skrill, However Skrill said it would take another 3-5 business day for them to clears now its been 6 business days and now they wont answer my phone call and have my account on Restriction and I dont have a have any access to my money in it its my wifes birthday and Im really upset about it what can we do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I Have no knowledge of this account. I never signed up to get this card. I dont know if they have confused me with another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: AZ

Complaint narrative:
XXXX XXXX is reporting incorrectly to XXXX  ; XXXX and Transunion a balance due of {$63000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I traded this vehicle in and XXXX XXXX was paid in full. ( Please see attached Account Closed summary dated XX/XX/XXXX, as well as the Last Payment statement dated XX/XX/XXXX. ) This false reporting of a closed account with a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.

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 2020-03-03 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: AZ

Complaint narrative:
XXXX XXXX is reporting incorrectly to XXXX  ; Experian and XXXX  a balance due of {$63000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I traded this vehicle in and XXXX XXXX was paid in full. ( Please see attached Account Closed summary dated XX/XX/XXXX, as well as the Last Payment statement dated XX/XX/XXXX. ) This false reporting of a closed account with a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.

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 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I sought to use my Citi AAdvantage card for purposes of purchasing plane tickets so that I had the benefits of the card. To that extent and in order to make the necessary funds available, I paid {$2500.00} towards my account on XX/XX/2020 by calling and making a direct payment via phone. At the time I made the payment, I made it clear to the agent that I was making the payment over the phone to ensure the credit was available for purchase of the tickets. On XX/XX/2020, I attempted to pay for the plane tickets and learned my credit limit had was decreased and I was unable to purchase the tickets. I requested and immediate refund of my payment of {$2500.00} - as I made it very clear that I would not have made the payment had I known my credit limit would have been lowered. I have not yet received the refund of my payment or reinstate of my credit limit. The actions taken by Citi were fraudulent and need to be correct immediately.

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 2020-03-03 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: IN

Complaint narrative:
On XX/XX/XXXX of this year I sent via certified mail a request to verify information on my credit report to both XXXX and TransUnion credit reporting agencies. As of XX/XX/20 I have yet to hear of their investigation results. On XX/XX/20 I initiated a formal complaint that was also sent to each of these companies to " validate '' my information listed on my credit with the original furnisher. I have enclosed a response from the US Bankruptcy Court indicating that they do not furnish any information to the credit bureaus. Further, I have requested that they ( XXXX   and TransUnion ) provide all public information that they have reported on my credit report. If they are unable to validate the information that they have reported on my credit report then I am asking that they immediately remove the bankruptcy listing that is listed incorrectly listed on my credit report. I have enclosed my correspondence to the bureaus and the correspondence from the US Bankruptcy Court 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 2020-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Have tried numerous times to get credit reporting corrected with all 3 credit reporting companies no no avail from XXXX XXXX XXXX XXXX. 

Continuously reporting erroneous information and refusing to submit corrected information to credit bureaus. 

Due to problems with accurately reporting information that they created due to negligence on their part, selling off our loan in the middle of a government modification program and not reporting that and clearing our account and correctly reporting this. 

Requested by certified letter dated XX/XX/2019 and received by signed return receipt dated XX/XX/2019 for the following that we have NEVER received : 1 ) copy of original deed of trust 2 ) Original signed promissory note 3 ) all transferred documents from XXXX XXXX XXXX that was sold XX/XX/2019. 

This company refuses to provide requested information and simply sends a form letter to keep the information on our credit report without providing proof of the investigation that was made. We have been told that we must hire legal council to supeona our records to view what XXXX XXXX XXXX sent to them.

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 2020-03-03 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: OR

Complaint narrative:
Have tried numerous times to get credit reporting corrected with all 3 credit reporting companies no no avail from XXXX XXXX XXXX XXXX. 

Continuously reporting erroneous information and refusing to submit corrected information to credit bureaus. 

Due to problems with accurately reporting information that they created due to negligence on their part, selling off our loan in the middle of a government modification program and not reporting that and clearing our account and correctly reporting this. 

Requested by certified letter dated XX/XX/2019 and received by signed return receipt dated XX/XX/2019 for the following that we have NEVER received : 1 ) copy of original deed of trust 2 ) Original signed promissory note 3 ) all transferred documents from XXXX  XXXX XXXX that was sold XX/XX/2019. 

This company refuses to provide requested information and simply sends a form letter to keep the information on our credit report without providing proof of the investigation that was made. We have been told that we must hire legal council to supeona our records to view what XXXX XXXX XXXX sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Have tried numerous times to get credit reporting corrected with all 3 credit reporting companies no no avail from XXXX XXXX XXXX XXXX. 

Continuously reporting erroneous information and refusing to submit corrected information to credit bureaus. 

Due to problems with accurately reporting information that they created due to negligence on their part, selling off our loan in the middle of a government modification program and not reporting that and clearing our account and correctly reporting this. 

Requested by certified letter dated XX/XX/2019 and received by signed return receipt dated XX/XX/2019 for the following that we have NEVER received : 1 ) copy of original deed of trust 2 ) Original signed promissory note 3 ) all transferred documents from XXXX  XXXX XXXX that was sold XX/XX/2019. 

This company refuses to provide requested information and simply sends a form letter to keep the information on our credit report without providing proof of the investigation that was made. We have been told that we must hire legal council to supeona our records to view what XXXX XXXX XXXX sent to them.

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 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
MY name is XXXX XXXX XXXX, I live on XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX  XXXX, ca XXXX, I have one fraudulent account reporting on XXXX, XXXX, Equifax, I never received the credit card from XXXX, account number is XXXX. 
I contacted XXXX on XX/XX/2015, and explained to them that I never applied for XXXX and never received the credit card, and asked them to remove it from my credit bureaus and I asked them to send me evidence that I used this card, but they refused to send me any documents to prove their merits.please contact the three credit company and block and delete this fraudulent account. This account was opened on XX/XX/2015, with fraudulent balance of {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
MY name is XXXX XXXX XXXX, I live on XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX XXXXXXXX, ca XXXX, I have one fraudulent account reporting on Experian, XXXX, XXXX, I never received the credit card from discover, account number is XXXX. 
I contacted XXXX on XX/XX/2015, and explained to them that I never applied for XXXX and never received the credit card, and asked them to remove it from my credit bureaus and I asked them to send me evidence that I used this card, but they refused to send me any documents to prove their merits.please contact the three credit company and block and delete this fraudulent account. This account was opened on XX/XX/2015, with fraudulent balance of {$2800.00}.

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 2020-03-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$26000.00}, {$6100.00}, {$7600.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

3. BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not 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 non-monetary relief
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgence Legal Group, PC
State: IL

Complaint narrative:
Good evening, I am contacting you all to dispute the Avant Account, now handled by Resurgence Legal Group Ref # XXXX. I do not own this account. According to Resurgence, the account was open in XXXX of XXXX and the last payment was made on XX/XX/XXXX. I am not the owner of this account and should not owe {$5700.00} to XXXX XXXX XXXX or XXXX XXXX. Supposedly, I received a court date and was sued by a previous company XXXX sold the account. I currently have a fraud alert on my credit report. My police report number is Deceptive Practice Financial Identity Theft over {$300.00} # XXXX. If you all have any further questions contact me at XXXX. I attached the form I received yesterday XXXX. Thank you. 

Best Regards, XXXX P XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My husband and I have both been banking with Wells Fargo for years ; I started a WF online account a couple of years ago. 

Through the years we would occasionally get offers for WF credit cards, which we would automatically dispose of. I recently contacted WF online and requested that I receive no further credit offers from them. They were happy to oblige, and confirmed that they had opted me out. I asked them a couple of days later if that opt-out request would automatically include my husband, as well. They said no, he would have to call or write to them in order for him to opt-out. 

On XX/XX/XXXX, my husband wrote to the address they provided ; about a week later, his opt-out request was returned to us, marked 'box closed, not deliverable as addressed -- unable to forward ' ... ..we are both furious, as this is obviously a false address we were given, not to mention that my husband had enclosed his social security # and account # along with the request. Thank God this envelope did not fall into the wrong hands!!!!!!

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 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
Back in 2017, I disputed phone charges on two accounts with XXXX XXXX XXXX and reported them to the California Public Utilities Commission. As the result of the complaint I filed, the matter was referred to XXXX XXXX XXXX XXXX President 's Office. After a number of telephone calls with individuals from this office, XXXX XXXX XXXX agreed to discharge the phone charges in its entirety. The charges remaining in the account XXXX also had been discharged by members of the XXXX XXXX XXXX XXXX President 's office. Both of these XXXX XXXX XXXX accounts have been closed and all remaining charges cleared. 

Notwithstanding, XXXX XXXX XXXX has forwarded this discharged amount to several debt collection agencies, who have contacted me via letter and by phone to collect the amount of what originally had been {$31.00}, and without any basis increased to {$45.00}. This " Franklin Collection Service '' has threatened to blackball my otherwise clean credit. 

It would be an easy thing for me to just pay such a small amount to get rid of these annoying and harrassing debt collectors. But I find the incompetence of XXXX XXXX XXXX and the threats of this collection firm extremely offensive, and would like others placed in similar position from myself from similar tactics by filing this complaint.

Company response to consumer: Closed with explanation