vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northern Arizona Creditors Service, Inc.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FC HoldCo LLC
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: OH

Complaint narrative:
In XXXX of 2016, I disputed several debts that were showing negatively on my XXXX credit report from a company named ALLIED BUSINESS SERVICES,  XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX. This is a third-party company used by the original creditor XXXX XXXX Hospital to collect medical debt. I asked for validation to these debts as I hold private insurance which would have covered the cost of any submitted bill. Allied was unable to provide such proof leading me to dispute this information. I submitted a case for the debts online using XXXX. The case number for those disputes was XXXX. On XXXX XXXX, 2016, I was notified by XXXX that those accounts would be deleted from my credit bureau. This information is included in my attachment. However, nearly four years later this company still continues to report negatively to my credit report each month, severely impacting my credit score. XXXX is reporting amounts of {$510.00}, {$450.00}, {$250.00}, {$250.00}, {$240.00}, & {$180.00}. XXXX is reporting amounts of {$450.00}, {$250.00}, {$510.00}, {$180.00}, {$240.00}, {$250.00}, {$510.00}, {$240.00}, {$250.00}. I believe several of these are duplicated and incorrect thus further impacting my credit. I am alarmed that the outcome of a dispute was to delete the file and they continually report incorrectly. Additionally, I am very concerned that this company is unable to provide proof of the debt, but demand that I pay it and negatively impact my credit month over month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

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 # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2020-01-04 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: TN

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

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 # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2020-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2020-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management
State: SC

Complaint narrative:
I have tried for years, to tell all 5 of these derogatory medical " bills '', that XXXX XXXX would've paid these. They are all either false, or been paid in full by XXXX XXXX. And yet they still drag my name through the mud. It's kinda funny, that out of dozens or possibly hundreds of medical bills, these are the only 5, XXXX XXXX didn't pay for me. Ask XXXX XXXX in XXXX, NC how many years I was covered by XXXX. I'm sure all of these are in the same time frames.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX, XXXX, EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX, TRANSUNION, XXXX

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 2020-01-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM EXPERIAN, XXXX, XXXX

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 2020-01-04 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: TX

Complaint narrative:
TRANSUNION, I AM NOT REQUESTING THAT YOU REVALIDATE, OR REINVESTIGATE MY DISPUTED ITEMS. 

I am submitting this compliant as you have failed to provide me with a description of the procedures you used to determine the accuracy and completeness of your investigation ( s ) of my disputed items, even though I previously requested this to you three times, in writing, in letters you received from me on ( per USPS Certified Mail tracking info ) : XX/XX/19, XX/XX/19, and XX/XX/19. 

Each time you responded by sending me another copy of my credit report, with simple notations that my items were again validated or updated. That is NOT what I was asking you to do. Again, those letters clearly included requests for you to provide me with a description of the procedures you used in your investigation of my disputed items ; which you did not include in your responses. 

YOU ARE IN VIOLATION of Section 611 ( a ) ( 6 ) and ( 7 ) of the Fair Credit Reporting Act ( FCRA ) which states that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, AND that this must be provided to the consumer not later than 15 days after receiving a request from the consumer for that description.

Unfortunately, the time has passed for you to be compliant with this request. The disputed items must now be DELETED from my report immediately or I will be forced to take legal action.

Attached to this complaint you will find copies of the last two letters I wrote ( and referenced above ) requesting description of procedures you used to determine the accuracy and completeness of your investigation ( s ), as well as copies of the USPS Certified Mail tracking receipts for said letters.

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 2020-01-04 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: DISCOVER BANK
State: FL

Complaint narrative:
I was renting out my house on XXXX  XXXX. Someone stole my phone and my wallet to make fraudulent charges. 

I think they sent in some documents to fake my identity and " verify '' as me. 

Discover has been said that they found that it was not me and there was fraud on my account but they refuse to remove the charges.

Now my credit card is reporting late payments and messing up my credit score for something I NEVER even did.

Discover has agreed it was Fraud but they are charging me still, that's against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: OK

Complaint narrative:
Theres inaccurate information reporting to my credit which Ive tried to resolve previously and the bureaus failed to inadequately provide me with a fair and just investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: OK

Complaint narrative:
Theres inaccurate information reporting to my credit which Ive tried to resolve previously and the bureaus failed to inadequately provide me with a fair and just investigation.

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 2020-01-04 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: OK

Complaint narrative:
Theres inaccurate information reporting to my credit which Ive tried to resolve previously and the bureaus failed to inadequately provide me with a fair and just investigation.

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 2020-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America Charge me several overdraft fees on my account the Charge me {$35.00} Overdraft Fee 4 Time and the bank is Refusing to give me a credit for those fees please help me with this I did not do anything wrong to get charge those fees on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
The reports in this account is inaccurate. The statuses are reported closed, open and paid. Also I just got a save creditor removed last month then something showed up again. Please have this deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
The reports in this account is inaccurate. The statuses are reported closed, open and paid. Also I just got a save creditor removed last month then something showed up again. Please have this deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX, I purchased an appliance from a Sears  XXXX in XXXX, Tex. 
Sears sold or assigned my purchase agreement, without my knowledge or consent to a Citi Bank Master card firm in XXXX XXXX, SD. This Master Card, SHOP YOUR WAY MASTER CARD became the creditor and mailed me an account statement. 
The terms of this statement stated my balance due with monthly payments of {$28.00}, first payment due XX/XX/XXXX. 
On XXXX, XXXX, I mailed a bank check for {$84.00} to Shop Your Way, with the notation that this payment was for XXXX, XXXX, XXXX & XXXX XXXX. This would make my next payment of {$28.00} due on XX/XX/XXXX. 
I received a letter from MasterCard stating that I " COULD NOT BE CREDITED WITH AN ADVANCE PAYMENT '', and my next payment for {$28.00} would be due on XXXX XXXX, XXXX. I refused and did not make any payment in XX/XX/XXXX. 
I received a statement in XXXX that I was being charged a {$28.00} " Late Fee '' and my next payment due was {$60.00} due on XXXX XXXX, XXXX. 
I attempted to resolve this situation by telephone with a Master Card employee. 
This foreign speaking female told me, very emphatically, that MasterCard " DID NOT PERMIT ADVANCE PAYMENTS '' and my next payment was due, with a " LATE FEE '' was due on XXXX XXXX. I am not going to be taken advantage of by this deceitful policy. 
My next payment is due on XX/XX/XXXX, and I will never pay a " late fee '' to MasterCard. I believe that Citi Bank, & Shop Your Way MasterCard should be held accountable for this reprehensible, mendacious treatment to a customer that has paid his account in advance and then charge a " late fee ''!

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 2020-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-04 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: DISCOVER BANK
State: NY

Complaint narrative:
I am filing a grievance against Discover credit card for not resolving a dispute with XXXX in my favor. On XX/XX/19, I purchased a XXXX laptop from XXXX, for {$710.00}. I requested a secure, signature required delivery. On the day of delivery I was at work, 50 miles from home. According to XXXX, they dropped the delivery in the building lobby which is unsecured with more than 40 appt units. XXXX left the package with no Signature required. When I came home, the package no longer was there. The next day I filed a police report and tried to address the issue with XXXX and Discover/cc. They both are blattantly lying that the " package was delivered ''. But if the package was dropped in the building lobby, I am telling you that I do not live in the lobby neither the lobby belongs to me and even more- on the given day I was not home. Discover has not resolved the despute in my favor.

Company response to consumer: Closed with explanation