vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
A company I have not done business with entered 3 derogatory entries on my XXXX. 2 non payments, 1 XXXX and 1 XXXX. 1 Charge off alert. 
As previously stated to you and them, my account is in good standing with XXXX XXXX. Trans World has sent me an invoice with an address error and an insurance error. 
I immediately responded with the correct information regarding my address, insurance information and left a voicemail for their designated representative XXXX XXXX. 

Multiple instances of negative credit reporting are uncalled for in any condition. For one instance of Vendor XXXX error Trans World Systems submitted 3 reports indicating that I am not paying a medical provider for an invoice that I wasn't aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I looked at my credit report and I noticed a credit card I didnt apply for under my name which is XXXX XXXX and I didnt do business with this company didnt apply for credit card back in 2018 with a XXXX balance I submit the documents but the account havent been removed yet and discover has a pending lawsuit against them for bad customer service and not taking this account off my records and never ask me to send documents and I did many times and they said they never got them and putting me in debt and I just lost my job because of them due to a bad credit score ... I need discover to leave me alone they are worst ... I didnt apply for XXXX back in 2018 account number ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
Today is the 10th business day I still havent received a credit to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: TX

Complaint narrative:
I looked at my credit report and I noticed a credit card I didnt apply for under my name which is discover bank and I didnt do business with this company didnt apply for credit card back in 2018 with a XXXX balance I submit the documents but the account havent been removed yet and discover has a pending lawsuit against them for bad customer service and not taking this account off my records and never ask me to send documents and I did many times and they said they never got them and putting me in debt and I just lost my job because of them due to a bad credit score ... I need discover to leave me alone they are worst ... I didnt apply for discover back in 2018 account number ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: OH

Complaint narrative:
this account does not belong to me U S DEPT OF ED/XXXX/XXXX Ive disputed multiple times it keeps coming back verified but I have received who verified it and how they verified it its 2 accounts one is {$47.00} and the other is {$50.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-11-10 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-11-10 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: MO

Complaint narrative:
Theres 3 accounts that has been skillfully and fraudulently placed upon me and it's gotten to the point where my issue now is with EXPERIAN, inwhom attributes to this by continuing this identity madness with the original perpetrators. I have on many occasions requested physical documentation of the alleged accounts. Im also requesting the Method of Verification used in your investigation of this matter. This company EXPERIAN has violated the rules of the FCRA by continuing reporting these accounts when they been determined not mines by the way of identity theft and/ or a similar name. It's been passed the 30 day rule of presenting physical documentation upon request. And as a general rule of law electronic Verification can not be accepted as proof if this is what your company is relaying up on. Therefore, I'm demanding that this credit reporting agency remove and block these unauthorized accounts immediately. 

1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. 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 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
I defaulted with a credit card, XXXX  which is owed by XXXX XXXX. To pay off bad debt their collection agency XXXX XXXX contacted me. XXXX XXXX set up a payment arrangement for XXXX biweekly payments. 
In XX/XX/2020 my remaining balance was XXXX which I paid in full. 
XXXX XXXX sent me a confirmation of the payment and stated on-the receipt paid in full. 
XXXX XXXX stated the would contact XXXX XXXX  of the account. being paid in full. 
XXXX XXXX  states to date they never received payment from the collection agency XXXX XXXX. XXXX XXXX the collection agency state they notified XXXX XXXX  of payment. 
XXXX XXXX sent me a fax number to fax all documents to them but the fax does not work. I mailed information to them. 
I filed a dispute with XXXX  but their result stated the XXXX XXXX  reporting wad correct. Please help me get this paid account updated. 
The account shows on my credit bureaus account derogatory, charge off XXXX which has been paid in full.

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 2020-11-10 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-11-10 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has to be the most adverse credit reporting agency of the three. Experian does not work for the consumer, but the creditor and it has been proven on many occasions. I submitted 3 dispute letters to Experian via US certified mail. The letters were delivered on XX/XX/2020 with delivery confirmation. I have not heard from Experian to date in regards to my disputes. 

I have reached out to Experian several times in attempt to resolve this issue, however, I have received no help. 

I am writing as I need immediate assistance with resolving this matter.

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 2020-11-10 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
SYNCHRONY BANK/BELK has not provided me with Validation of Debt which is listed under the Fair Debt Collection Act, 15 USC 1692g Sec. 809 { b } I have included a letter from SYNCHRONY BANK/BELK which states that they could not show me any accurate proof of Validation of Debt.

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 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: MI

Complaint narrative:
I was being overcharged in interest rates so I decided to pay off my Discover card close the account, which I did. I received a bill for ~ {$1.00}, called and was told they forgot to charge me that amount. I didn't pay the additional money as they had already overcharged me and I closed the account, paying what they said I owe. I filed a complaint and I'm now being told I ordered XXXX XXXX, which I never have. Any chagres should have been included in the amount I paid to close the account, and no changes were made after closing it. The woman kept trying to get me to keep the account open and I kept declining so perhaps she didn't close it, whatever the case, I paid off the balance and requested the account is closed. This company calls all time of day and night, harassing me. They send multiple communications a month. I paid the balance they said I owed and it was an overcharge in itself. I do not owe them a dime and I've never ordered XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10 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: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/2600 was taken out my usbankrelibal card I didnt find out until XX/XX/XXXX I was told to contact the state cause who ever took it out was called Covid change pre paid so I then contact the state and was told I did no own any money and they never heard of that name and to file a police report and contact all 3 credit report watch I have then I contact the bank back then was told the bank took it out my accident its now over a month and no updates on my account and no one Im not helping me at all

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 2020-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MA

Complaint narrative:
I see multiple 30-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: TD BANK US HOLDING COMPANY
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I did a dispute back in XXXX it is now XXXX. I did not get my credit for this dispute because they said what type of dispute it was, Then I have contacted the merchant and they said they processed my refund on XXXX XXXX I have contacted the bank several times on this and no one has gave me back my money I am very upset about this

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 2020-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF THE WEST
State: TX

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 2020-11-10 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: NY

Complaint narrative:
On XX/XX/XXXX I looked at my online banking statement to find that there were withdrawals from my checking account that I did not make. There were four withdrawals of {$200.00} each, made minutes apart ( just before midnight on XX/XX/XXXX and just after midnight on XX/XX/XXXX ), at two separate Chase ATMs in XXXX, NY ( one of the two ATMs is in the branch I most often use ). I contacted the customer service number on the website and they said they would look into it. 
On XX/XX/XXXX, Chase sent me a letter XXXX attached ) saying that the withdrawals were authorized and they would not investigate further ; the {$800.00} withdrawals will stand. I contacted several Chase representatives, and their supervisors, by phone to ask how this could happen if I am never without my debit card? I said this was surely some kind of 'hack ' and I wanted to know next steps in investigating. They insisted that it must have been me, since the card has a 'chip ' and the chip was visible to them. They suggested I go to local police with info on what happened. I visited the local precinct on XX/XX/XXXX and was told that, in NY State, I'll need an affidavit from the bank to allow police to pull the camera footage from the ATMs. Going back to Chase to obtain this, I was told they will not supply an affidavit. So my police investigation can not proceed. 
At this point, I went to my local branch on XX/XX/XXXX and spoke to the acting branch manager ( XXXX XXXX, at the XXXX XXXX XXXX XXXX, NY ). He was very kind and helpful, but after observing him call those who might help, it was apparent that they would not review the ATM footage despite his request to escalate the investigation. I received a letter from Chase on XX/XX/XXXX, reiterating their initial decision - that I'm responsible for these withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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:
I contacted TransUnion via mail with a letter stating that I do not recognize several inquires in XX/XX/XXXX. I have contacted TransUnion without receiving the resolution. I have a fraud alert placed on my account. I have been in the credit burea system since XXXX in which I was XXXX years old. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These all should be removed per my letter I sent to TU

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