vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Greystone Alliance LLC
State: LA

Complaint narrative:
I have a collection company XXXX XXXX XXXX XXXX XXXX that is harassing me and my family. I had XXXX XXXX Credit Card that I paid off years ago 2012. They are threatening me when trying to get information they scream at me and hang up on me. I look up on their website nothing about this company. They refuse to send me information and threatening if I don't pay. I have reached out to bank nothing on my credit report regarding this.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-31 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: GA

Complaint narrative:
I've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX XXXX the other day and applied for en account. I got approved but with e {$300.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I have gotten contact with local police and FTC. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, DEPTEDNELNET, XXXX/XXXX, DEPTEDXXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX Chapter XXXX Bankruptcy. Inquiries : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019, I noticed 2 amounts coming out of my overdraft protection on my daughter 's bank account. {$1400.00} on XX/XX/XXXX and {$1800.00} on XX/XX/XXXX. I immediately called Bank of America to inquire about these charges. I opened a claim and which was closed 2 days later without my knowledge. Upon learning this, I opened a new claim having to start the 10 day investigation process over again. On the night on Day 10 my daughter received an email stating that the claim was denied. In the meantime, after looking through her account, which is tied to mine, there were multiple unauthorized transactions made. Including 3 checks immediately deposited then transferred out resulting in my daughter having charges for non sufficient funds building on her account. These transfer were all done on a mobile device. BofA did reimburse the fees, but has refused to honor my claim of fraudulent activity. I have been told to file a police report, get phone records, which I have sent to BofA. These records contain a number that is clearly fishing out my bank account and it located in Alabama. BofA has not investigated my claim just informed me that since these transactions were done through XXXX, which they contract with, there is nothing to be done. My daughter is in college and is missing {$350.00} as well as the 2 amounts above that overdrafted into my account. There were 3 checks that were sent to me via mail that had been deposited and then taken immediately out, 2 of which were " refer to maker '' and 1 listed as a forgery. Clearly BofA knew something was up if they stopped payment on those checks. I have done far more research than BofA. I have called the fraudulent numbers listed on the XXXX transactions and called the companies to which these " checks '' came from made out to my daughter and forged. BofA has her signature card. This should of never happened. I have called BofA continously since this process began on XX/XX/XXXX, and have had to contact the private banking division in order for them to even get me in contact with an actual person in fraud which I spoke to XX/XX/XXXX. At this point, I have faxed all the phone records and am waiting to see if the claim can be reopened.

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 2019-10-31 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

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. 
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX XXXX Unverified Account XXXX College XXXX Unverified Account XXXX/XXXX XXXX XXXX XXXX Unverified Account Creditor Inquiry Date XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX  XX/XX/XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 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: NV

Complaint narrative:
I have made several calls to Equifax regarding I am described as deceased. The last time was XX/XX/19 when I was asked several questions to verify my identity. I was advised that it was corrected. On XX/XX/19 my credit report was run by XXXX XXXX XXXX to obtain my credit scores for a home loan. I was advised that Equifax reported me as deceased and gave a XXXX for my credit score. I submitted a dispute with Equifax online on XX/XX/19 but I do not know if the problem was corrected because they advised me that they could not give me credit score at that time. 

Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 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: The Outsource Group, Inc
State: TX

Complaint narrative:
disputed to XXXX via XXXX XXXX. 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 explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed with Equifax on numerous attempts to delete this account -- instead they continue to update my account and verify it as accurate. it is totally impossible for them to verify the account with the inaccuracies it has. 

As you know, this is a violation of my rights so as a result of that, this account needs to be removed from my reports immediately. The inaccuracy is - report is claiming to have Balance amount higher than the actual High Balance amount which cant be. 


XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I've provided proof to BoA that the item is on its way back to sender. They refuse to close the case, even though the seller responded to the claim via XXXX ( but XXXX says the claim is now with BoA ) on XX/XX/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 monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I received a notifcation on the XXXX of XX/XX/2019. That XXXX XXXX had placed a collections account on my file. I Immediatly called in to XXXX and they stated they would dipsute the data and to please allow them 30 days to respond. I have a police report and ftc complaint as well as an affidavit on file and was concerned that the information was not immediately blocked. I then called Medical Data Systems and spoke to a representative whom from what I gathered tried to obtain on my personal data up front. I listened to him tell me that any information obtained would be used to further collect the debt. Which to me sounds like they just wanted all my contact and personal information. Next, the employee stated he was putting the information in dispute status and would await correspondence from me. in which i sent certified mail. XXXX stated that the social that was on file ended in XXXX and the address was XXXX XXXX XXXX XXXX Ga XXXX neither of which belong to me. They clearly have inaccurate information and should have removed this either accidental or fraudulent account from my profile. The letter I sent them has my information most recent and current information on it as well as the last four digits of my actual social. I have never received phone calls, or mail regarding this account. I would have promptly responded.

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 2019-10-31 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:
I've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX XXXX the other day and applied for en account. I got approved but with e {$300.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I have gotten contact with local police and FTC. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, DEPTEDNELNET, XXXX/XXXX, DEPTEDNELNET, XXXX  XXXX XXXX, XXXX   XXXX, XXXX Chapter XXXX Bankruptcy. Inquiries : XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-10-31 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: GA

Complaint narrative:
I've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX XXXX the other day and applied for en account. I got approved but with e {$300.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I have gotten contact with local police and FTC. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, DEPTEDNELNET, XXXX/XXXX, DEPTEDXXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX Chapter XXXX Bankruptcy. Inquiries : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-10-31 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: GA

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I have already gotten a police report with local police. And I have contacted the FTC. These items need to be deleted from my credit report. XXXX, XXXX, XXXX, XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX   XXXX XXXX XXXX. XXXX/XXXX. XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: LEXISNEXIS
State: GA

Complaint narrative:
Lexis Nexis has a bankruptcy on my credit never file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
My husband passed away last year and I've been struggling with the mortgage and other household expenses since my husband passed. I recently requested mortgage assistance and it is being processed with my mortgage company. I received a letter stating the mortgage loan is being accelerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: IL

Complaint narrative:
CitiCard Customer Service XXXX XXXX. XXXX XXXX XXXX XXXX, MO XXXX Attn : Citi Re : Case ID # XXXX To whom it may concern : Please reverse bogus renewal charge of {$110.00} to my card made by XXXX. 
Background : XX/XX/XXXX Purchased XXXX computer with XXXX already installed. 

XX/XX/XXXX Computer crashed due to poor protection. Computer not repaired. 

XX/XX/XXXX Borrowed daughters XXXX Notebook computer with another protection service provider already installed. 
XX/XX/XXXX XXXX XXXX charged {$110.00} to my XXXX XXXX. 

XX/XX/XXXX Called XXXX XXXX XXXX to question XXXX charge. XXXX said it was an automatic renewal. I told them I did not want to renew and to reverse charge. 

XX/XX/XXXX Replied to a XXXX email ( Exhibit A ) to create a paper trail for myself. 

XX/XX/XXXX Received three ( 3 ) voice messages from XXXX. I returned two ( 2 ) calls and left messages that I do not want service. 

XX/XX/XXXX From XXXX to XXXX made three unsuccessful attempts to connect to Citicards ( Exhibit B ) XX/XX/XXXX XXXX called XXXX Visa Card. Told to write XXXX and FTC. 

My repeated attempts to reverse a bogus charge reveal a pattern and practice of non-compliance with consumer laws. Please write me any reason given for not reversing this charge. 

Truly frustrated, XXXX XXXX XXXX cc : XXXX  ; FTC, XXXX XXXX. 

Subsequent to letter XXXX recorded call with XXXX XXXX told waiting to hear from Merchant 's bank. Would not reveal name of bank or how long Citi would wait or what they needed to hear. Did acknowledge receipt of written response.

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 2019-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
CBS Collections is reporting 3 chargeoff collections to the credit bureaus. These are all inaccurate. I have no knowledge of any of these and is surely the result of identity theft or erroneous billing. I have disputed this with them through the normal channels and they have failed to provide written proof that they are mine and have not stopped reporting them. 

The collections are : XXXX XXXX XXXX XXXX XXXX XXXX  1 ) assigned XX/XX/XXXX, from XXXX XXXX Hospital for {$51.00} 2 ) CBS Collections Assigned XX/XX/XXXX, XXXX  XXXX  XXXX XXXX   for {$480.00} 3 ) CBS Collections Assigned XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, {$70.00}

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 2019-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: AL

Complaint narrative:
debt of this account was payed off in 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: IL

Complaint narrative:
I, XXXX, XXXX XXXX am a victim of Identity theft. a notification of dispute/ as well as FRAUD ALERT based on the information in which is listed on my report was sent to Experian reporting agency. Multiple letter have been sent to Experian to inform them of this matter, in which no correction or remedy have been justified. the most recent being sent XX/XX/2019 tracking number XXXX which included -Passport Card -social security card -Federal Trade Commission Identity Theft report -Victim Information Notice via XXXX Police Department XXXX- Present -Bank statement providing proof of address Based on above documentation I disputed the validity of my report in its entirety, hence this matter is affecting my ability to obtain and maintain credit. there are roughly 40-60 accounts listed on my profile in which i did not authorize nor due any party have a valid contract to list said information. I previously requested validation of all debt in WHICH NEVER HAS BEEN PROVIDED.

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 2019-10-31 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: FL

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 2019-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On the date of XX/XX/2019 i went to a restaurant called XXXX in XXXX CA in XXXX XXXX XXXX and and i signed and paid for the bill wich was {$100.00}. On the date of XX/XX/2019 i check my account to see if it has cleared my account and saw a transaction in the amont of XXXX wich i didnt not sign for i called chase to but in a Claim. Chase gave me a temporary credit back while they did the investigation, I went online today on XX/XX/2019 I went to check my account to do a payement and saw that the bank pulled XXXX and declined dispute do to prove that they got that I did and told me that it is not between XXXX and myself problem, so i called XXXX and told them the issue and ask to see the prove on that i had signed for XXXX and they didnt not have such a thing all they had was a receipt for the {$100.00} and they creidt me the money back with a letter saying sorry.

Company response to consumer: Closed with monetary relief