vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a  notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS ECMC XXXX not mine ECMC XXXX not mine How is Equifax able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file. Please sent a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I was living at a boarding house at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL. I moved out on XX/XX/2019 with the understanding the owner, XXXX XXXX, would disconnect the services out of my name and put them into his own name. I relocated to XXXX, FL and never looked back. I signed my new lease on XX/XX/2019. I checked my credit report this week and saw an account from HELVEY & ASSOCIATES IN for XXXX XXXX in the amount of {$290.00}. I am NOT responsible for this debt as I was NOT living in the home, and I can PROVE that I was not living in the home. I am filing an FTC, FCC and FL attorney general complaint about this fraudulent account, fraudulent reporting on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I paid the usual amount of {$35.00} from my only checking account at Chase Bank and the card associate says that I never made a payment. I paid the XX/XX/2020 bill on XX/XX/XXXX. They changed the billing cycle date from XX/XX/XXXX to the XXXX. I made a payment of {$35.00} on XX/XX/2020. They are lying stating that I never made a payment in XXXX and they are charging me {$85.00} in XXXX. I believe that he is XXXX. I only have {$35.00} to give Chase Bank this XXXX. I only have {$15.00} to spend every month on this card. Why would I owe so much? A XXXX female representative also called me a XXXX over the phone. They said they helped me however I am not certain. The minimum payment also increased to an amount {$50.00} for an unknown reason. I am XXXX. I dont like really talking or arguing at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: NC

Complaint narrative:
I'm filing a complaint against GLA Collections Agency XXXX XXXX XXXX, XXXX, KY XXXX. 
They have put several medical bills on my credit report that do not belong to me. I've requested itemized statements proving said debt multiple times over the past couple years and I have yet to receive those statements. I also have letters from the original healthcare provider stating that this debt is not mine and a copy of the letter they sent GLA telling them to remove it from my name. The debt was fraudulently put in my name. GLA continues to refuse to remove the debt from my credit report. 
Debt # 1 - {$110.00} Opened XX/XX/XXXX Debt # 2 - {$150.00} Opened XX/XX/XXXX Debt # 3 - {$290.00} Opened XX/XX/XXXX Debt # 4 - {$360.00} Opened XX/XX/XXXX I've spoken to the credit bureaus and they found that someone with a similar name and with a social security number that's different by one number has information on my credit reports. I've asked GLA multiple times for proof of this said debt that includes an itemized statement of said debt with the same and original signature of the patient. They refuse to give me this information. And they refuse to take it off my credit even when the original provider sent them a letter stating that this isn't mine. I need this removed immediately as they are causing great damage to my financial status. I am unable to get a needed loan because of them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My son went to hospital for XXXX & XXXX XXXX XXXX XXXX but he didnt live at home. Im not responsible for someone not living under my roof or care so I want it removed 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 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a Suntrust mortgage on a home in VA. I have never been late on a payment until XX/XX/2018. I have a lease purchase agreement that requires the lessee to make the payments at the branch. On our about XX/XX/XXXX, a payment in the amount of {$6000.00} was made. Unfortunately there were insufficient funds and the check was returned. Suntrust attempted to redeposit the check 3 times and each time it was returned. On XX/XX/XXXX, I was notified that the check was returned for insufficient funds. Since this payment was due on XX/XX/XXXX and since I was notified after the 30 day window, Suntrust informed all credit bureaus that I was 30 days late. My Credit score dropped approximately 60 pts on credit bureaus. I believe that Suntrust had the opportunity to inform me that that the check was returned before XX/XX/XXXX. I have discussed this with Suntrust and submitted a dispute and it was denied. I have clearly been treated unfairly by Suntrust and they have no intention of accepting any blame for the lack of notification. My complaint filing is delayed, because I never new this was an option until recently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

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 2020-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine ECMC XXXX not mine ECMC XXXX not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO  NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
1. On XX/XX/XXXX Barclay card charged my credit card an annual fee of {$89.00} 2. Shortly thereafter I called to close the account, and was told that I would receive the annual fee as a refund, but this never happened. 
3. On XX/XX/XXXX XXXX XXXX at XXXX XXXX refunded a room deposit for a reservation I canceled due to CoronaVirus for the amount of {$790.00}, which they refunded to this same closed Barclay credit card account. 
4. Since then I have sent countless emails and made countless attempts to contact them to get these amount refunded to me, however, I can not get through and they do not return my emails. While typing this email to you, I am currently on hold with their automated system, and the timer is showing one hour and ten minutes. 
5. Since they have refused to return my emails and since there is no way for me to contact them, I need help to get both the {$89.00} annual fee and the credit balance of {$790.00} returned to me. 
Needless to say, I am shocked at such behavior with by a major bank, particularly as it relates to XXXX XXXX such as myself who are already suffering enough due to the current environment. They should really be ashamed of themselves.

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 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
My husband and I purchased " XXXX XXXX '' class tickets from XXXX XXXX to travel from XXXX XXXX   XXXX to XXXX on XX/XX/2020. Because of COVID-19, XXXX XXXX cancelled our flight and made multiple attempts to rebook us on other flights flying through various cities, sometimes on partner airlines ( e.g., XXXX, XXXX XXXX and with a reduction from XXXX XXXX to XXXX class. At no time did the airline consult with us on whether our ultimate itinerary could accommodate these changes or to offer compensation for the reduction in seat prices between the two classes of service. We made several attempts to reach resolution with XXXX XXXX, which was ( and still is ) charging us {$20000.00} ( see attached documentation ). 

When these attempts failed, I filed a dispute with my credit card company, Citi Cards, and I was granted temporary credit for the disputed amount pending an investigation of my claim. I was informed that, because I cancelled my plans, XXXX XXXX did not owe me a refund ( see attached ). I wrote back to Citi immediately pointing out the cancellation was not mine but XXXX XXXX 's ( see attached ). Since that time, I have received no further communication from the company with the exception of my monthly bill. I have e-mailed Citi several times and I called their Customer Service office, but the automated system terminated the call before I could speak with a Customer Service representative.

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 2020-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
see ID THEFT case XXXX CONFIRMS MY CARD END ( XXXX. ) {$2.00}, XXXX XX/XX/2019 OTHER CREDITS REVERSED?? see attatched USAA COLLECTION ATTEMPTS Account ( XXXX XXXX I HAVE NEVER SEEN OR USED OR AUTOROIZED THIS ACCOUNT EITHER. USAA HAS DESTROYED MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation