vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have informed XXXX  on numerous occasions via mail and fax that I have been a victim of Identity theft of which the listed item that have been reported on my credit profile may be a result. I have no knowledge of this item or accounts as they are redacted, and I have also requested proof of the verification method XXXX  has used in order to investigate and procure proof this item is accurately reported. 

XXXX had informed me to communicate with the creditor CITICARDS CBNA to request removal of which I have and never received a response no proof of the item 's permissible purpose and documents relating to the contract. 

I have never done business with CITICARDS CBNA RESULTING IN ACCOUNT NUMBER XXXX My desired resolution is for these items to be removed immediately pursuant to the FCRA law section 609

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 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
Credit Bureau was made aware I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with Hunter Warfield Inc. Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609

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 2019-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX is on my collection report, stating that I owe them {$2500.00}, I tried explaining them that a family member was purchasing phones without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: NY

Complaint narrative:
Here we go again! 
After numerous letters to creditors and credit bureaus both info furnishers ( creditors and info colletors ( credit bureaus ) still denying me my rights under FCRA 611 ( 15 U.S.C. 1681I ). 
Several times l called Creditors, l was told numerous times that name I'm giving does not match their record, therefore, they can not talk to me about the listed accounts below. 
Wrote letters it was returned undeliverables ( please see attached ) Wrote several letters of dispute to TransUnion Credit Bureau and XXXX  to no avail l was told several times that creditors provided certify copies that the following accounts belong to me. TransUnion and XXXX  refused to provide me the proofs of said certification or methods of disputes under FCRA 611. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Some of these accounts are business account that has no RELATIONS to me, and some of these accounts are under XXXX XXXX XXXX this not my name My right name is XXXX XXXX Wishes XXXX resolves this matter asap for me the environs of business favoritism embolden TransUnion and XXXX  to care less about little MAN like me. 

Notion that an enterprise like ( TransUnion and XXXX  ) can just reports whatever without consequences is insane. 

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I recently had a debt that I was paying off which was referred to TSI ( Transworld Systems IncXXXX ) for further collections actions, when the debt was received and I acknowledge the debt and let them know that the balance they were collecting on was incorrect and I would like to get a correct statement of the balance owed because the amount is incorrect since the payment is being made and the account is not being credited or updated with the current payment amount. 
The TSI representative was short and impatient was not helpful in researching what was being provided, at the beginning of the call the representative provided the mini Miranda and during the discussion of the debt I also referred back to the mini Miranda " this is an attempt to collect on a debt and any information obtained will be used for that purpose '' the amount you are collecting on is incorrect and since your balance and my balance is not matching and I am requesting validation of the debt amount and all the payments received on the account. 
The representative stated that they have no way of getting the information but they can get a validation of debt, I requested the validation of debt information to be mailed to me and to date nothing was mailed or received. 
I received a statement from the creditor which I sent to TSI for verification of payment received and posted correctly to the account.

Based on the fair debt collections practices TSI failed to carry out the proper verification of the debt which may result in an overpayment since the debt was paid off and no confirmed updates were sent communicated to the credit by TSI.

Please investigate TSI practices and communication methods to include aggressive collection practices and incorrect balances when verifying the debt that is owed. 
Please investigate this complaint promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit Bureau was made aware I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with XXXX XXXX XXXX. 

Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609

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 2019-11-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Here we go again! 
After numerous letters to creditors and credit bureaus both info furnishers ( creditors and info colletors ( credit bureaus ) still denying me my rights under FCRA 611 ( 15 U.S.C. 1681I ). 
Several times l called Creditors, l was told numerous times that name I'm giving does not match their record, therefore, they can not talk to me about the listed accounts below. 
Wrote letters it was returned undeliverables ( please see attached ) Wrote several letters of dispute to XXXX  Credit Bureau and Experian to no avail l was told several times that creditors provided certify copies that the following accounts belong to me. XXXX  and Experian refused to provide me the proofs of said certification or methods of disputes under FCRA 611. 
XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX Some of these accounts are business account that has no RELATIONS to me, and some of these accounts are under XXXX XXXX XXXX this not my name My right name is XXXX XXXX Wishes XXXX resolves this matter asap for me the environs of business favoritism embolden XXXX  and Experian to care less about little MAN like me. 

Notion that an enterprise like ( XXXX and Experian ) can just reports whatever without consequences is insane. 

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 non-monetary relief
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Certified Solutions, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a letter from Certified Credit & Collection to pay XXXX $ I I replied with a question to informed me about the cause of this debt because Ive never received any bills to pay in the past.The agency send me letter that, this is for emergency room in XXXX hospital, NJ on XX/XX/XXXX That day I was at emergency room with broken elbow, which had a sense to me .The third part was responsible to pay for my medical expenses This case was closed in XX/XX/XXXX.I called XXXX NJ hospital billing department to check it.The account number which the agency send me doesnt exist .By my name the billing office was able to find my account to tell me that my balance is XXXX . I called many places related with XXXX hospital and didnt find any debt.My next step was to call the collection agency I asked about the reason for their action The clerk gave me very confusing answers which didnt have any sense She told me XXXX didnt pay-not true I contact them It wasnt pleasnant conversation because I couldnt receive any answers, which had sense.I asked of direct number to the billing office so I can call and confirm that debt.She told me, she didnt have it So I asked her, how she expects me to pay money which I dont know what is this for.The answer was " Miss, it just XXXX $ Really? Finally she hang up on me..I have a feeling that, this is fraud.Our conversation was probably recorded.Dont know, what to do.Please help me with this The billing office said they didnt know the collection company.XXXX  XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: PA

Complaint narrative:
Account was opened for {$5000.00} in store credit. Furniture and tv was purchased. Items were delivered as broken tv and the incorrect furniture the same day. The tv was swapped for an opened no box used tv. I complained that no registration documents were provided for manufacturers warranty and the furniture was not what was ordered. The company refused to take return of the items. 48 hours after purchase I contacted the financing department to cancel and returned the items within the 72 hour cancelation window stated in the purchase agreement and the store had refused and stated they will just negatively impact my credit. 5 years later the creditor marked this account on my credit report as charged off after falsifying that I had made the first 3 payments and reported the items as  repossessed however they items were never repossessed and I have never made a single payment. They have also made the false amount to be almost {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: NC

Complaint narrative:
I recieved my credit report from transunion and i immediately noticed my name. Was correct and the body of the letter was addressed to someone else. After going over it more closely this person has filed chap. XXXX bankruptcy!!!! I was wondering why my score was so low. I notified everyone of those at credit reporting agency. And nothing. I would like to pursue legal action against these credit bureaus because they have made it where i have to pay cash for everything anyways.

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 2019-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
Barclay 's XXXX XXXX credit card is charging interest in excess to those disclosed. Instead of charging interest on my remaining balance each month, they are charging interest on the value of my remaining balance PLUS the balance of all purchases made during the next month. 

For example, my credit card bill in XX/XX/2019 was $ XXXX and I paid off {$4400.00} ( I am rounding number here to make my example easier ). My remaining balance was {$600.00}. In XXXX, I charged $ XXXX on my card. The interest charged on my XXXX bill was on {$9600.00} instead of XXXX! 

I reviewed the disclosure on my bill. I have a XXXX degree and I don't understand it. I can't imagine what others think when they read it. My friend worked for the CFPB as an examiner and told me to file this complaint.

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 2019-11-10 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: NC

Complaint narrative:
I recieved my credit report from XXXX and i immediately noticed my name. Was correct and the body of the letter was addressed to someone else. After going over it more closely this person has filed chap. XXXX bankruptcy!!!! I was wondering why my score was so low. I notified everyone of those at credit reporting agency. And nothing. I would like to pursue legal action against these credit bureaus because they have made it where i have to pay cash for everything anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: NC

Complaint narrative:
I recieved my credit report from XXXX  and i immediately noticed my name. Was correct and the body of the letter was addressed to someone else. After going over it more closely this person has filed chap. XXXX bankruptcy!!!! I was wondering why my score was so low. I notified everyone of those at credit reporting agency. And nothing. I would like to pursue legal action against these credit bureaus because they have made it where i have to pay cash for everything anyways.

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 2019-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
My account was as opened on XX/XX/2019 with commodity-Bank / XXXX card MasterCard awards with a {$5000.00} credit limit I paid my first statement and four went to make another payment statement they close my card for too many inquiries as Ive never been late I think they are doing illegal and unfair business practices and they should definitely be investigated Im not the only person who has had this issue with this bank. Actually ruin peoples credit by what their business practices are doing with what theyve done they dropped my credit 100 points and I think it should be reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: TX

Complaint narrative:
A company by the name of Arstrat has been calling my in-laws inquiring about me and asking for my address and phone number. The number they called from is XXXX. After researching the name of the company, I discovered that it is a collection company that collects debt for XXXX XXXX. 

I did have a bill of {$5.00} from XXXX and it was paid in XX/XX/2019, which I have proof of as " patient paid '' in XXXX 's portal. However, my in-laws are now getting calls and they aren't even listed as contacts for any bill payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I was contacted by phone number XXXX XXXX XXXX How you were contacted by phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX ( XXXX ) XXXX The date you were first contacted was XX/XX/2019 3 payments of XXXX up front payments XXXX Checking account The date you were second contacted XX/XX/2019 3 emails Scam Lost {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/19 I transferred XXXX dollars to a Bank of America account for the lease of an apartment. 

On XX/XX/19 when the transfer went through, I was informed by the scammer that the account was mistaken and they needed me to redirect the accounts. I immediately canceled the transfer. 

Having arrived today XX/XX/19 to begin the terms of the lease, the scammer told me that the apartment was not available.

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 2019-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I needed to remove a credit freeze on my credit report with TransUnion on XX/XX/XXXX or XXXX XXXX ( don't remember exact date ). I contacted them by phone. And, they asked me a bunch of questions to identify me including : 1 ) Name and address ; 2 ) Birthdate ; 3 ) Social Security number. 

Next, they asked me if I had a PIN. I never had a PIN with TransUnion. And, I said so. Then, they asked me a couple of security questions. And, here were two of those security questions : a ) In XXXX on this specific date ( i.e. XX/XX/XXXX XXXX, you applied for a credit card limit. What was its limit : i ) 0 - {$1000.00} ; ii ) {$1000.00} to {$1500.00} ; iii ) {$1500.00} - {$2000.00} ; ... v ) {$3000.00} and over.

b ) In XXXX on this specific date ... remaining of the question structure was identical to a ). 

When asking those questions TransUnion did not provide any information on the name of the creditor that I had applied for credit ( bank, dept. store, etc. ) After the very first question, I told the  TransUnion rep how could she expects me to remember such an event dating back over 4 years ago? She simply answered " well that is how our systems are set up. '' I answered, that this was really absurd and unprofessional. 

After the second question, I was now baffled that she would ask me the same type of question expecting me to recollect a mundane event in greater detail with virtually no information provided about the event ... and an event that occurred nearly 20 years ago. I told her that such practice was just not right and that I was going to file a complaint about it with the CFPB. 

Based on the above, after this lengthy and torturous phone call I was unable to remove my credit lock with TransUnion. Even though I did not incur any direct damages, I really want the CFPB to force TransUnion to change their system of security-questions that as described is completely absurd. No normal person could pass these types of test.

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 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with XXXX XXXX XXXX. 

Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with XXXX XXXX XXXX. 

Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609

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 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with XXXX XXXXXXXX Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609

Company response to consumer: Closed with explanation