vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXXXXXX account and credit reporting was removed for authorized user XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXXXXXX account and credit reporting was removed for authorized user 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 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: LA

Complaint narrative:
XX/XX/2020 certified-mailed a letter disputing owing the 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 2020-07-22 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: CITIBANK, N.A.
State: SC

Complaint narrative:
In XX/XX/2017, I opened a secured credit card with Citicards for the amount of {$200.00}. Shortly after the account was closed. I do not understand why Citicards continues to show a balance on my credit report for {$250.00}. I've disputed this account numerous times with all agencies. They are suppose to take the secured funds to pay off the balance, but as my credit report shows it looks like this hasn't been done and the amount showing is more than the secured amount.

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 2020-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: CA

Complaint narrative:
I dispute the information being report by FLAGSHIP CREDIT ACCEPTAN FLAGSHIP CREDIT ACCEPTAN # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX this auto loan was paid in full by my auto insurance and my gap insurance. I believe this company is trying to get extra money from me when this account should show paid in full. 

I refuse to be strong armed into over paying on an account that has already been satisfied. this company is fraudulently reporting incorrect information out of spite and greed. remove this damaging information from my report. I request this complaint be escalated to an executive/level in which this item can be resolved.

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 2020-07-22 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: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
In XXXX or early XXXX I went to XXXX Hospital Emergency Room to be seen. I was not treated since I felt better and left the waiting room where I had been told to wait since no beds were available. I never received a bill from XXXX Hospital  and only realized I was charged for this when it appeared on my credit history. I do not have the date of service, since I never received a bill or an attempt to collect. A complaint was made directly to XXXX Hospital  but it was already with collections. This derogatory mark on my credit history is making it difficult to qualify for a line of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
In XX/XX/2020 I asked about getting a forbearance however when the representative said that after the end of the 3 months I would have to pay all the missed payments if I didn't want it to show on my credit report. I told him that wouldn't help me and that I was going to keep making my payments. He never told me that there was going to be a forbearance note on my credit report. 
Also, I have called 5 times in the past 3 weeks asking to cancel this and they keep saying they are going g to send it but I have not received it. I asked again for them to send a confirmation it was sent and she said she was going to call me back and never did. I have been transferred to other debts that can't help me. I NEED HELP ... they are standing in the way of my mortgage refi that would lower my rate from 4.5 with mtg insurance down to 2.99! The refi company needs the letter ... now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My issue happened in XXXX. As an XXXX, i freshly arrived in XXXX XXXX from couple months spent in XXXX XXXX, XXXX. It is in XXXX XXXX I opened my bank account ( Bank of America ) .When i came in XXXX, i met someone from same country as mine in the XXXX  I was in.He lived in XXXX XXXX and told me that he needed some cash if i can help him to withdraw some cashes with his check he uses in XXXX . Willing to help him, I agreed to help him to cash a check of {$500.00}, then I put it in a Bank of America ATM machine. Couple minutes after receiving half of the amount in cash, my account was closed without any notice. I worried and went to check it with a Bank of America representative I knew on XXXX in the XXXX. I called Bank of America customer service and tried to talk with someone to explain my issue, they didn't want to hear anything from me. And also at at that time I could barely speak English since I just came in the USA with my XXXX. I decided to wait later to find a way to solve the issue. The issue prevent me from opening an account with a bank in the USA, that is why I want to solve it. My though on why all this happened is maybe the check is from XXXX. I really do not and I want some explanation.

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 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/2020 ... EOS CCA a collection agency placed a be [ ad debt that they claim I owe in my credit reports. I never received written notice regarding this debt from this agency, no even a phone call. I am not responsible for this alleged debt. 
I was never given the opportunity to respond to this, they just placed the information without verification on my profile. Pursuant to the Fair Credit Report Act, the Fair Debt Collections Practices Act and the Fair Credit Billing Act I have a legal right as a consumer to be able to dispute a debt once I am notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: NJ

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm simply wondering how long its going to be before the credit bureaus remove accounts from my credit report which are 7 years old. Even more so because I disputed the accounts with them and its been 41 days without a response from any of the three bureaus. I even sent them a copy of my social security card and my license to tell them who I am because my name is common.

These collections are really hurting my credit and I need them gone because they shouldn't be on there anymore.

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 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I had a debt with XXXX XXXX XXXXXXXX  on an overdrawn account. I have been in communication with the credit union and agreed with them to pay my account in full {$910.00}. I paid the full balance to the credit union in cash. I have a copy of my receipt and a copy of my paid in full letter showing the debt has been taken care of in full. The Collection Bureau of America is trying to collect more money out of me even though the issue was resolved with my credit union in full. They are refusing to remove the account off of my credit report which is currently detrimental during this pandemic. I can not receive the SBA loan with this on my report, hence why I made the arrangement to pay. Please help remove this. It isn't a credit card, or a loan it was an overdrawn account. Thank you for your time. I have attached my paid in full letter and my receipt of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
This debt was handled wrong by XXXX XXXX XXXX XXXX. They messed up billing my insurance company and I was the add on in my fathers work insurance policy. Regardless how they handled it, the California Statute on time frame of medical debt is 4 years with credit reporting. I have had this debt longer than that and would like it removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I recieved notification from a collection company for a retail ( Walmart ) account that I did open, apparently it says it was opened in XX/XX/XXXX, I DID NOT open any new account with Walmart. In XXXX of XXXX I enrolled in a debt relief program XXXX   XXXX  and 7 accounts were enrolled at this time, i ended up paying off one ( XXXX ) in XX/XX/XXXX, which left 6 remaining accounts, 1 which was a Walmart account, different account number, opened years ago. My credit report showed a collection for ANOTHER 2nd Walmart account that does not being too me, I've never paid to a second account, I have Walmart statements from MY account and the account number is not the same, my account # is XXXX balance of {$1700.00}, I did not open a second account which I believe this is a fraudulent account/identity theft. At no time did I open a 2nd Walmart account. I put a dispute in with XXXX  and the collection agency, even the told me that is very unusual to have two accounts for the same store. I expressed to them I did open that account. The balance is over {$2200.00} account # XXXX, which I did not charge or open any additional accounts with Walmart since enrolling in the debt relief program in XX/XX/XXXX. I've been working very hard to get my credit scores back on the up rise since. I will attach any documents I have pertaining to this but again this is not my account nor my debt. I am attaching the collection information as well as MY ONLY WALMART ACCOUNT I HAVE AND IT'S ACCOUNT NUMBER. Thank you, Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: SC

Complaint narrative:
In XX/XX/2017, I opened a secured credit card with XXXX  for the amount of {$200.00}. Shortly after the account was closed. I do not understand why XXXX continues to show a balance on my credit report for {$250.00}. I've disputed this account numerous times with all agencies. They are suppose to take the secured funds to pay off the balance, but as my credit report shows it looks like this hasn't been done and the amount showing is more than the secured amount.

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 2020-07-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In XX/XX/2017, I opened a secured credit card with XXXX  for the amount of {$200.00}. Shortly after the account was closed. I do not understand why XXXX continues to show a balance on my credit report for {$250.00}. I've disputed this account numerous times with all agencies. They are suppose to take the secured funds to pay off the balance, but as my credit report shows it looks like this hasn't been done and the amount showing is more than the secured amount.

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 2020-07-22 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: NV

Complaint narrative:
This is not my account, and I didn't authorize these companies to pull my credit either. This is the second request.

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 2020-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My spouse and I are XXXX and he is a veteran. We received a check for {$500.00} from our grandmother on Monday and I e-deposited it into our joint account and was able to withdraw almost half upon deposit and the other half the following day but the funds were not showing until early the following morning. I needed to pay a mechanic for work done on our only vehicle and purchase some medications and discovered that the entire account had been transferred out to an undisclosed account. I called Navy Federal Credit Union immediately and it took almost 20 minutes before I was told that Navy Federal Credit Union had taken all the funds to cover an old charged off credit card my spouse had with them and when he became ill with a rare XXXX  was unable to continue to pay them. The gave us no warning whatsoever of their intentions and it is especially hard given this time in the Pandemic we are struggling. Also the check was sent to me and I deposited it into a joint account. Are they legally able to take my money even though the old debt was not mine?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: NV

Complaint narrative:
This is not my account, and I didn't authorize these companies to pull my credit either. This is the second request.

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 2020-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
i paid with from my tax return of 2017 i mailed in a check and it was deducted from my account. its very unfortunate to just find out recently that it was still on my credit i am really devastated to this and that is why i am disputing 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 explanation
Consumer complaint received 2020-07-22 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: FL

Complaint narrative:
I am a Victim of Identity Theft. someone Use My Personal Information Without My Authorization. Plesae block and Removed these accounts From My Credit

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 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capitaol One XXXX card is not being reported for XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report

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 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report

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