vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}.

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 XXXX XXXX, 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. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -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 explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
The company doing business as California Business Bureau is harassing me about paying a debt that is beyond the statute of limitations to collect a debt in California. The debt in question is more than 4 years old. They keep sending bills and I have sent multiple letters to dispute these accounts but to no avail. Please intervene so this harassment stops. Also some of the accounts are past 7 seven years old and should not be reporting in my credit reports any longer. This is causing me financial and mental stress.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I've been repaying for years and it's never ending. I end up oweing more and more, it affects my credit, I cant qualify for my first home or any loan. Its ruined my life completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}, {$1100.00}, {$1200.00}, {$0.00}.

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 XXXX  XXXX, 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.

-- OPEN ACCOUNTS -- 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 explanation
Consumer complaint received 2020-04-07 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}, {$1100.00}, {$1200.00}, {$0.00}. 
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 XXXX  XXXX, 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. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: NV

Complaint narrative:
Ford Motor Credit has violated my rights as a consumer. 

I want to request the cfpbs help because I dont know what else to do. 

This company has commited multiple violations to the Fair Credit Reporting Act, and nobody is doing anything about it. Please see the following violations they have committed : 1. Failing to investigate account after receiving my dispute notice. 
2. Reporting incomplete information.

3. Different report across bureaus.

Please send the attached documents to Ford Motor Credit.

Thank you so much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: PA

Complaint narrative:
I got XXXX  in XX/XX/XXXX in XXXX County Maryland for XXXX XXXX XXXX XXXX ( XXXX  ) after my XXXX  I got XXXX  to 3 days in XXXX County XXXX  XX/XX/XXXX-XX/XX/XXXX. Upon my medical evaluation entering XXXX the doctor said " you lost a lot of weight '' Ends up there is another gentleman with the exact same social security number and birthday in Maryland. I did two background checks for new employment ( Accurate ) They got this other gentleman 's charges in XX/XX/XXXX incorporated with mine. It took Accurate 10 days to try to figure it out and they still screwed it up. Needless to say I didn't get the job. I need help fixing this so I can get a Job. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Emails USAA RESPONSE UPON REQUEST XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from me ( XXXX ) XXXX TO NO AVAIL***. USAA ACCESSIBILITY IS A JOKE. USAA IS VERY CRUEL. 35 YEAR XXXX MEMBER ABUSED. USAA ACCESSIBILITY COORDINATOR OPERATIONS. Email above XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX RESPONSE FOR MY CRY FOR HELP TO REPORT FRAUD IFTC ID.THEFT case XXXX. IS : *** " Thank you for contacting usaa. This email is for individuals with XXXX '' PERIOD NO ASSISTANCE FOR THE XXXX. XXXX USAA DENIED MY RIGHT TO REPORT ID THEFT FRAUD MAIL FRAUD XX/XX/XXXX - XX/XX/XXXX *** Three other companies have denied me credit due to USAA. NOT RESOLVING FRAUD. see attatched XX/XX/XXXX USAA FRAUD LETTER FRAUD CLAIM DATE XX/XX/XXXX {$470.00} ** Took a year to complete investigation of fraud XX/XX/XXXX. Letter XX/XX/XXXX states UNAUTHORUZED TRANSACTIONS {$470.00} temporary credits are made permanet a year later. ** THERE ARE NO TEMPORARY CREDITS TO MAKE PERMANET IN XXXX. NO NOTICE OF UNAUTHORIZED TRANSACTIONS I REPORTED XXXX, XXXX, XXXX, XXXX XXXX OR XX/XX/XXXX. USAA HAS IGNORED MY REQUEST FOR ASSISTANCE FOR MY SEVERE HAND XXXX TO REPORT FRAUD. USAA PERMANET FRAUD CREDITS NEVER PROVIDED. ** I HAVE NO ACCESS TO MY ON LINE ONLY BANKING. XX/XX/XXXX usaa gives me NO ACCESS WHEN I PHONE. My call password used to get me access. Today USAA DEMANDS I pay to have neighbor read my texts and write numbers down for me so I can repeat them to gain access. MY HANDS CAN NOT DO TEXT EMAIL VERIFICATIONS. Due to virus USAA calls me back at my phone number they send texts to verify it is me?? They returned a call to this text phone number so?? Huh?? Why doesn't that verify WHO THIS 35 YEAR MEMBER IS??. IT IS THE SAME PHONE NUMBER? CRUEL CRUEL ABUSE OF POWER NO ACCESS FOR XXXX. MY EXCELLENT CREDIT SCORE DESTROYED BY USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NE

Complaint narrative:
They are reporting a collection account in the amount of {$7800.00} on my credit report. This is not my account. I have disputed this several times with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Society Business Services, Inc.
State: NE

Complaint narrative:
They are reporting a collection account in the amount of {$1500.00} on my credit report. This is not my account. I have disputed this several times with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I opened a saving, checking, and credit card account with Navy Federal Credit Union in XXXX XXXX. I had received birthday money as well as XXXX money from family members and two were returned NSF. I brought the account current and since then they have frozen me out of ALL of my accounts online, even to pay my credit card bill. when attempting to access my account i receive this message " We are unable to process your request. For assistance, please call us toll-free at XXXX. For calls from within the Washington DC area, or outside the US, please call XXXX '' SO I called the customer service number on Friday, XX/XX/XXXX and i was told that they have closed and restricted me from all of my accounts. I asked how I was supposed to pay my credit card bill and they told me that since my membership was terminated I would not have account access nor could the except a payment over the phone from a restricted account. My only option, i was told, that i would need to go into a branch, and the closes branch is XXXX miles away from my home. This is my first credit card and now i am unable to make my XXXX 's payment since my account was frozen and I do not live near a branch. I'm XXXX years old and recently lost my part-time job due to them closing because of COVID 19, so my mother has been helping me and was also recently  furloughed until the coronavirus pandemic is over. I will still make my payments but my hands are tied. I am doing everything possible to pay my obligations, but this will ruin my credit before I can even start to build credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: WI

Complaint narrative:
On XX/XX/XXXX I called the EPPICard number on the back of my card that Wisconsin issued me for my child support and the card kept saying my zip code was wrong so I got a hold of a lady in customer service and she said that the cards zip code was right and the card was active but when I went to go try it again, it said the same thing and was declined! I currently have no job and XXXX kids at home and all the money that I had to my name was on that card. I called them 4 times that day and every time I called them I was on hold for over a hour and each time they said nothing was wrong with the card! The next day I called them and asked them to fix it again and still nothing was fixed! The day after that I called and talked to a manager so  they said and they said that there was nothing they could do besides send me a new card and that it would be delivered at my house on Monday due to the virus and mail was slow ... Monday comes and no card! So I call them asking them to let me transfer my money to another account that I had and they told me that they can't do that and that there was no card ordered on that Thursday when that manager claimed he ordered me a new card so now I'm seriously upset and I'm broke and I have over {$14000.00} in my account that I can't touch and have to wait 2 more days now! I'm so sick of this debit card company, they make me sick on how rude and uneducated they act towards customers! Why can't I transfer money?!? It's my money!!! I feel like there playing games with my money and that's against the law! If my card does not come in on Wednesday, I will be getting a hold of the police and filing a report and getting a hold of a lawyer! This is so uncalled for and it's illegal to hold my money from me! I'm a single mom of XXXX and I need my money! I've had to beg and borrow from people just to feed my family and get them what they need and I hate doing that when I have money but I can't touch it! XXXX is in a few days and I have nothing for my kids! This card company should be ashamed of itself ... I'm calling my case worker and changing my deposit information to a different account! EPPICard is nothing but liars and thieves and something needs to be done with them! This is not fair and it's hurting families in more ways than one and I will take legal action if they do not stop it! I also have a voice recording of the last conversation that I had with them by the way, so I do have evidence to prove my case!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc.
State: TX

Complaint narrative:
There is a collection of {$400.00} from Mars Inc all all three credit bureausXXXX, XXXX   and XXXX. I do not know what this is for. I have sent several letters beginning In .XX/XX/2019 asking Mars to provide supporting documentation proving this is my debt and if not able to do that to please remove XXXX  from all three credit reporting agencies To date they have ignored my requests and not responded to any of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}.

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.

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -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 explanation
Consumer complaint received 2020-04-07 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: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven`t received any investigation results.

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 2020-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
Amcol has a collection of {$270.00} on all three credit reporting agencies that is not mine. I have sent letters requesting supporting document since XX/XX/2019. To date they have not provided me with any documentation f have ignored my requests. I am requesting that this be removed from all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
In XX/XX/2020 I found an online shopping site named " XXXX '' I found this site using XXXX 's search engine. 
My initial search was for a woman 's bike. 
I found what I believed was a lucky break after spotting a woman 's 26 '' bike for XXXX bucks. 
I placed the order using my XXXX account at checkout. 
I noticed something unusual when I didn't receive the normal order confirmation email which all online companies are required. 
I did however receive a receipt from XXXX. 
Because of my skeptisum I returned to the site attempting to contact customer service support. 
That's when things really began to look suspicious. 
The site provided a way for customers to contact the merchant via phone and email. The phone number provided by the company is non active. 
The email contact page doesn't allow the messages to send through. 
My XXXX receipt shows a tracking ( XXXX  ) On the day of delivery I monitored my livingroom window all day. 
I contacted ( XXXX  ) who informed me that the package had been delivered to an address not mine and was signed for by a man. 
I was then prompted to reach out to the seller whom I already knew could not be reached. 
I did inform my debit card issuer : AMEX. 
Filed a dispute for investigation and was given a 45 day total XX/XX/2020 of when I should expect to receive the determination of my refund being credited to mine account. 
I am past that date and AMEX dispute department is avoiding me. I can no longer reach a live agent. 

At this stance AMEX has convinced me that the possibility of the dispute supervisors may have either stolen the refund or perhaps may be involved in the cyber criminal website fraudulent scams. 
There is also another dispute I filed for a transaction with a different online site : " XXXX XXXX '' I have also cooperated in uploading all requested/required documents but again AMEX is not being cooperative. 
It's quite mysterious as to how I'm allowed to file the disputes and provide proof of the transactions and me not having the merchandise then when it's time to be refunded AMEX disappears. 
I have uploaded plenty proof of purchase and proof of transactions. 
I am owed a total of {$88.00} from these companies. 
I live in poverty and this is wrong on so many levels. 
These folks have no morals what so ever but being poor I am judged daily. 
Who is going to Jude these thieves??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Nothing was done by my bank. There was a payment sent through zelle XXXX i tried contacting the seller with no luck on refund.

Company response to consumer: Closed with explanation