vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-23 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:
XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however, XXXX and Transunion have not removed this from my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue but 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 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have wrote Experian many times XX/XX/2019 to XX/XX/2019 explaining that one of the accounts is not mine showed them documents proving that the account belongs to someone else I was an authorize user but no longer would like this removed but refused or ignored. 

Report Number : XXXX Account Name : XXXX XXXX Account XXXX Balance {$4000.00} This is their response : XXXX XXXX Not mine or No knowledge of account Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute.

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 2019-08-23 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: DISCOVER BANK
State: AL

Complaint narrative:
I sent in a dispute 5 years ago on Discover credit card service. It had been removed off all credit reports. They will change my name off by one letter or change address to have XXXX have it reappear on my credit report .XXXX keeps having Discover reappear on my credit report. I have sent in my police report, revoked any power attorney, never gave consent for Discover to use my name or to put anything on my credit report. I want XXXX to remove Discover off my credit report and block them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited a check that was for over XXXX dollars Saturday of last week and they told me it would be deposited in my account by Tuesday. then, when I went to the bank Tuesday they said that the deposit was delayed till Wednesday of next week. They received the money from the bank who issued the check on Monday of this week which was the Monday following the deposit I made. 
There has been no reason justifying why they withheld the deposit even after I called the 800 number to find out why they were doing this. 
I would have never deposited it with them if I had known they were going to do this. 
I need this money since I have someone in the hospital and have a lot of extra expense with electricity due to the heat waves we've had. 
So, this is really a disaster they've caused.The location of this bank of America I had so much trouble with is XXXX XXXX, XXXX, Tx. 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 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: FL

Complaint narrative:
I disputed this alleged debt numerous times and it keep getting sold and settled to multiple collectors even when debt was ceased and i was sent a 1099 from collector.I disputed this debt back in XXXX, and now XXXX.The company agreed to cease collections but yet company has broken federal law thinking I don't know my rights which gives me the privilege to sue collector for breaking the law.

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 2019-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Institution : Citibank , N.A . 
Issue : Failure to Honor Extended Warranty Advertised Details : Initiated claim for protections under the Costco Anywhere Visa by Citi. Warranty coverage advertised at two ( 2 ) years from Costco plus an additional two ( 2 ) years from Citi for a total of four ( 4 ) years of warranty coverage. Citi requested five ( 5 ) documents to process the claim : ( 1 ) Itemized Store Receipt ( 2 ) Copy of Manufacturers Warranty ( 3 ) Repair Estimate ( 4 ) Photos of Item ( 5 ) Copy of Extended Service Plan All documents were provided. After several weeks, Citi requested an additional repair estimate, which was also provided. Several weeks later, well over a month from the initial claim, Citi further requested : ( 1 ) Please provide the billing statement showing the purchase of the item As this is a claim for an item purchases 3 years ago, Citi does keep those records readily available and must be requested separately. Thus, I would need to request the statements from Citi to provide back to Citi to process the warranty coverage, all for an item which is covered by the advertised warranty. It is also important to note that this most recent requested item was not requested from Citi initially over a month ago and should not be the consumer 's burden to provide as this is all data that is owned and accessible by Citi. The obstacles Citi has put in place are excessively burdensome to successfully process an extended warranty claim and does not align with their advertised extended warranty coverage.

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 2019-08-23 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:
The credit bureaus are reporting erroneous information on my credit file

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 2019-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
After reviewing current credit report I identified this account with Care Credit as a fraudulent account that is not mine.

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 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Carrington Mortgage is in violation of federal RESPA regulations. All information is being tracked for possible litigation. 

At issue is a conversation with Carrington Mortgage on XX/XX/XXXX whereby Carrington stated they had up to 30 days to process documents. This is a blatant violation of RESPA which only allows for 5 days. These documents are being submitted today if and everything is not processed within the required time frame a NOE letter will follow for litigation, fines, penalties and attorney 's fees to be paid by Carrington. Maximum fees will be collected. 
Docs included through CFPB Authorization form Carrington application for modification profit and loss statement XX/XX/XXXX tax returns hardship letter statement of information XXXX form

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SOUTHERN CASCADES FINANCE CORPORATION
State: WA

Complaint narrative:
The company refused to provide me with statements over a long period of time. I was not aware of the finance fees or status of the account. This deceptive practice made I t made it very difficult to make payments causing a monetary injury. I filed multiple complaints and never received a follow up from the company. I assumed I had no rights due to there constant refusals. The car should be nearly paid off but the balance has gone nowhere because of those fees during that time frame in which I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I was hospitalized, had XXXX, XXXX XXXX into my XXXX, developed XXXX, the hospital call for air transport knowing that I had no insurance and so did the air transport. i am now XXXX, have XXXX   due to XXXX damage. XXXX XXXX excused debts and granted me one year of follow up treatment. At the end of that year they attempted to collect the debts. The doctors that were used thru XXXX. XXXX should have also been excused through their letter. I live on a very fixed income and try to work part time just to keep up with the expenses that have come with the XXXX equipment and co-pays of medication that i now have to take, I tried to get XXXX and was denied. Finally got it after i was released from the hospital but would not cover any of the hospital bills, I paying off other bills that were necessary after this. Had to have some expensive blood work done to try to determine high white blood counts. almost have them taken care of. These debts were excused by XXXX XXXX and then brought up again. I ask that they stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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:
The credit bureaus are reporting erroneous information on my credit file

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 2019-08-23 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: CA

Complaint narrative:
The credit bureaus are reporting erroneous information on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
Received a call today to my personal cell phone for a credit card that they claim my husband XXXX took out. The representative that called me from XXXX Legal Proceedings states that they were in the process of filing a civil lawsuit against my husband within 48 hours. I asked what the proceeds were for and they advised that due to Third Party disclosure, they were unable to tell me what the debt was for. I told them that they had already disclosed that they were in the process of court proceedings which is disclosing information to an unidentified third party. I then told the lady that I was XXXX 's wife and she then proceeded to tell me she was filing a lawsuit for a XXXX credit card that was last paid on XX/XX/2013. I told her that if her information was true, them we are far past the statue of limitations to file any sort of judgment. She told me that they are going to file the judgment in 48 hours and she disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
We are processing a VA loan for a new home through XXXX XXXX XXXX. My rep checked our credit score on XX/XX/2019 looking for the best rating and the best interest rate for our loan. Last XX/XX/XXXX got an email from XXXX giving me a " free '' look at my credit score. After giving them my information, CC, DOB, SS, etc. they charged my CC almost {$60.00} to give me my report. I contacted them on the following Monday and asked the rep to remove the charges from my CC. He refused and hung up on me. Two days later I get an email from a Creditor : XXXX telling me that my credit score is over a hundred points lower that the other bureaus. They reported this to Experian and they dropped my score over a hundred points lower. My complaint is to XXXX and XXXX. I have attached the reports that was sent from a loan application that I do not know where is came from. XXXX rep hung up the phone when I asked where they got their information. 

My credit score was XXXX before XXXX sent this out to Experian.

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 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Trans Union Credit report XXXX dated XX/XX/XXXX, Consumer Statement have incorrect information about a landlord tenant dispute dated on about XXXX. The landlord reported un unpaid rent and was aware the dispute originated for failure to provide laundry facilities and cable television. The landlord dispute is not longer valid after 7 years, consequently, under Consumer Statement ( Note : This statement has no expiration date ) is incorrect.

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 2019-08-23 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 went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. Im doing this on my own behalf and I have contacted the police and FTC. XXXX/XXXX XXXX. XXXX/XXXX XXXX 4 XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX and there is another account as well that does not have a name. The account- # XXXX. There are also some inquiries that are not mine XXXX, XXXX and 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 2019-08-23 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: Harley Davidson Financial Services Inc
State: CT

Complaint narrative:
There are two addresses on my report ; one which I have no relation to : XXXX XXXX XXXX XXXX, TX XXXX Address ID # XXXX Single family. 

I also have a hard inquiry on my report that does not belong to me : XXXX XXXX CRED Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ashfield Management Services Inc,
State: AZ

Complaint narrative:
I keep receiving rude calls from different numbers about a debt. I have my credit reports and all of my accounts are current. They say that a court order will be sent to my home or place of employment. I have asked them to please do so, that way I know they are legitimate and not trying to scam me. Of course, I have never been served or received any form of legal documentation. 

Their supposed information AMS XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Repeated phone calls with no answer. I called the number back and recording says Kohls Credit. 

Call each day range from 3-10, almost every hour. 

Currently have XXXX XXXX XXXX handling pay back to my accounts due to my recent illness. 

These need to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a hard pull on my credit report on Trans union from XXXX. Requested this be removed.

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 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
In 2019 of this year, I noticed a alleged debt was placed on my credit report ( s ) from named debt collector in the amount of {$1800.00} from XXXX. I never received proper information stating this debt was mine or that i signed anything. A copy of a phone bill isn't proof of ownership of debt.I know my rights as a consumer.I disputed this alleged debt to credit bureaus but haven't shown proper verification that this company is allowed to collect alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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 went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. Im doing this on my own behalf and I have contacted the police and FTC. XXXX/XXXX XXXX. XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX and there is another account as well that does not have a name. The account- # XXXX. There are also some inquiries that are not mine XXXX, XXXX and 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 2019-08-23 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 went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. Im doing this on my own behalf and I have contacted the police and FTC. XXXX/XXXX XXXX. XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX and there is another account as well that does not have a name. The account- # XXXX. There are also some inquiries that are not mine XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I HAVE INQUIRIES THAT ARE NOT MINES FROM A XXXX XXXX XXXX, XXXX I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES PLEASE DELETE REMOVE THEM.

Company response to consumer: Closed with non-monetary relief