vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: NM

Complaint narrative:
This company has called more than a few times to a phone number that is recycled. I have told them time and again that my number needs to be removed. Even their compliance person lied stating that they had never called me, trying to call me a lair. Each time they have called for the same person and I have told them there is no one at the number with the name. This time, I asked that the number be marked as bad in the case file, however, the compliance person told me that she could n't make any changes and that there was no one at the company that could and that my number would continue with the file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: TX

Complaint narrative:
I have an account reporting on Experian that I am unfamiliar with. I have tried many times to get it resolved but have n't had any luck. I am hoping that your company could possibly help me. The account is SYNCB/CCDS that I am asking for validation from Experian who is reporting it. I just need help please

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 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
since XXXX bank of america has charged my credit card account to XXXX do not owe B of A XXXX say they revoked my previous fraud award monioes this year XXXX some other younger males transactions and want me to foot the bill because they grabbed him for a purchase of 3 days on-line XXXX originally tried to purchase the 3 days of XXXX with bankamericard which did not go thru.while he was prompted to the pop up ad to that web site he was provided an ad for male XXXX enhancement drug which he began to purchase but did not enter his account numbers for the purchase .but, since on the mobile app.the numbers were already entered allthopugh the bank blocked the purchase the account has been hacked i think and the b of a is saying that my previous fraud claims are not valid and the b of a needs to cover thier XXXX maybe and are fraudently stating i owe revoked fraud claim award money totaling XXXX i dissagree with me owing them any money.my availabel credit XXXX was XXXX and i want my XXXX availabel credit restored or my claim resolved arbitrillary and my account closed with me owing the bank of america any money, because the card has been duplicated.

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 2017-10-25 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: CA

Complaint narrative:
On XX/XX/XXXX I sent letters to all 3 credit bureaus outlining inaccuracies on my credit report that needed to be removed and deleted including an account with a company called XXXX XXXX XXXX, Transunion and XXXX both responded that they deleted this account because they were unable to verify this account with the creditor. XXXX failed to respond so I sent them new paperwork onXX/XX/XXXX making the request again also requesting that if they find the account valid, I request proof. XXXX did respond, however, they said that the account was verified without showing any evidence of the verification. I find it hard to believe that none of the other companies ( Transunion or XXXX ) were able to verify this negative item and XXXX was different. Evidence is required by law or it must be removed. On this same date XX/XX/XXXX, I also sent new requests for corrections on data to Transunion and XXXX and both companies have failed to respond to my requests for those changes and today is XX/XX/XXXX. This is unacceptable and a violation of my rights as a consumer.

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 2017-10-25 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: CA

Complaint narrative:
On XX/XX/XXXX I sent letters to all 3 credit bureaus outlining inaccuracies on my credit report that needed to be removed and deleted including an account with a company called XXXX XXXX XXXX, XXXX and Experian both responded that they deleted this account because they were unable to verify this account with the creditor. XXXX failed to respond so I sent them new paperwork on XX/XX/XXXX making the request again also requesting that if they find the account valid, I request proof. XXXX did respond, however, they said that the account was verified without showing any evidence of the verification. I find it hard to believe that none of the other companies ( XXXX or Experian ) were able to verify this negative item and XXXX was different. Evidence is required by law or it must be removed. On this same date XX/XX/XXXX, I also sent new requests for corrections on data to XXXX and Experian and both companies have failed to respond to my requests for those changes and today is XX/XX/XXXX. This is unacceptable and a violation of my rights as a consumer.

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 2017-10-25 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: TX

Complaint narrative:
Hello on XXXX/17 a fraudulent company advertising magazine ads that were supposed to be in our local grocery store set us up on a payment plan with them. We paid {$190.00} in cash, {$190.00} on credit, and the balance was another {$480.00} on credit. We found that the company was fraudulent after speaking with the local grocery stores. Citibank refunded our {$190.00} but refuses to refund the {$480.00} amount because the merchant provided fake XXXX shipping labels showing they shipped something to our area. I have provided not only documentation from the grocery store stating that this was fraud but also information from XXXX  with other customers who have been defrauded by this company. I have attached all communication with Citi Credit Card and all the documentation that shows no good or services were received.

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 2017-10-25 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: GA

Complaint narrative:
Since XX/XX/XXXX I had the paid service of XXXX XXXX with Equifax ( which only monitors the Equifax credit report ) and I have been paying {$14.00} per month. I contacted a customer service representative with Equifax to cancel the service on XX/XX/XXXX. Since Equifax now offers the free service of XXXX XXXX XXXX, which includes 3-bureau monitoring as a result of a recent security breach, I requested a refund of the amount that I have been paying since the announcement of the Equifax breach or the occurrence of the actual breach, which ever was the earlier date. 

On their website, Equifax indicates that they no longer offer subscription products for purchase at this time. The premise of my argument is that I should not be paying for a product when there is free product which offers more value and which only became available because of a mass security breach. 

I made a formal complaint when I called in but I was not able to escalate my concerns at that moment. The customer care representative who was polite but could not offer a resolution beyond directing me to email the company 's corporate email inbox of XXXX I made a formal complaint when I called in but I was not able to escalate my concerns at that moment. The customer care representative who was polite but could not offer a resolution beyond directing me to email the company 's corporate email inbox of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: GREAT LAKES
State: CA

Complaint narrative:
We are filing a lawsuit in the amount of XXXX $ against Great Lakes if they do not remove the accounts from the Credit Bureaus. They have failed to provide information proving ownership of the account and have not removed the account as it is Identity Theft from the credit Bureaus. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section XXXX ) XXXX. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section XXXX ) You have VIOLATED FDCPA LAW for both and I will be filling proceeding with this lawsuit if you do not REMOVE THE ACCOUNTS FROM MY CREDIT REPORTS. IF YOU REMOVE THE ACCOUNTS I WILL DROP THE LAWSUIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THEY HAS STILL FAILED TO PROVIDE PROOF OF ACCOUNT OWNERSHIP WE ARE FILLING A LAWSUIT AGAINST THEM FOR FAILING TO REMOVE THIS ACCOUNT. 



XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms Date OpenedXX/XX/XXXXAccount Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$950.00} Comments -

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 2017-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
G.C.SERVICES is reporting a collection on my account which has already been paid. Back in XXXX 2017, G.C. Services agreed to delete my account when it was paid. I believe it was called a pay for delete. I checked my credit the other day and found they are still reporting this account in collection. Per our oral agreement I would like G.C. Services to remove this account from my credit file.Please assist in getting it removed my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX formerly XXXX XXXX sent my account to collections because their customer service was unable to determine how to have me send them back their rented modem. This has been resolved, and XXXX XXXX now has their equipment back at their XXXX, NC location. This collections balance remains on my account however, and their customer service is unable to remove it instead directing me to some customer service phone line that may or may not be to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Turning Point Solutions LLC
State: AZ

Complaint narrative:
So I received a call on my work phone from number ( XXXX ) XXXX - XXXX at XXXX XXXX  on XX/XX/2017 claiming to be XXXX XXXX explaining that I had a {$1500.00} debt from XXXX. In the past when they called my girlfriends phone I have asked to send me something in the mail that would verify the debt is valid. I have NEVER received anything in the mail. On the XX/XX/XXXX they called me at WORK on my WORK phone, I asked how they obtained the number and they stated it was from a backlog? I am pretty sure they obtained the number illegally and ignored my request to send valid documentation in the mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: Premium Credit Bureau
State: PA

Complaint narrative:
Affidavit of Demand by XXXX XXXX XXXX XXXX OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of XXXX. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : Premium Credit Bureau XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my XXXX attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within XXXX days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
since XXXX bank of america has charged my credit card account to XXXX.I do not owe B of A XXXX.they say they revoked my previous fraud award monioes this year XXXX.for some other younger males transactions and want me to foot the bill because they grabbed him for a purchase of 3 days on-line XXXXhe originally tried to purchase the 3 days of XXXX with XXXX which did not go thru.while he was prompted to the pop up ad to that web site he was provided an ad for XXXX XXXX XXXX XXXX which he began to purchase but did not enter his account numbers for the purchase .but, since on the mobile app.the numbers were already entered allthopugh the bank blocked the purchase the account has been hacked i think and the b of a is saying that my previous fraud claims are not valid and the b of a needs to cover thier XXXX maybe and are fraudently stating i owe revoked fraud claim award money totaling XXXX. i dissagree with me owing them any money.my availabel credit XXXX was XXXX and i want my XXXX availabel credit restored or my claim resolved arbitrillary and my account closed with me owing the bank of america any money, because the card has been duplicated.

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 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THEY HAS STILL FAILED TO PROVIDE PROOF OF ACCOUNT OWNERSHIP WE ARE FILLING A LAWSUIT AGAINST THEM FOR FAILING TO REMOVE THIS ACCOUNT. 



XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$950.00} Comments -

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 2017-10-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Constar Financial Services, LLC
State: TX

Complaint narrative:
XX/XX/2017~Constar Financial , XXXX AZ called me on a local [ XXXX ] XXXX - first on my office number, which is XXXX and was very rude when I requested to remove the number from their call list. I gave the person [ XXXX XXXX ] my cell number and he called me, again from XXXX number, when he was in Arizona. I requested his company name, location,, and true telephone contact number, which is XXXX. He indicated that his client, XXXX, was trying to collect on loans from XXXX ( XXXX and XXXX specifically ), but would not provide me actual loan numbers, instead gave me a sequence of XXXX which is part of my Social Security number. The loans in reference are old and should no longer be on my account and I called XXXX, who said they had no idea who Constar Financial was. The loans amount to XXXX, but again, these are old loans that fall under the statute of limitations which I am no longer responsible for - regardless, this person was very rude and threatening and when I said that the loans were private and uncollectable, he stated very rudely that " these loans never go away '' which is an absolute lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX. This is a formal complaint against Experian for refusing to remove a discharged bankruptcy from my credit report that does not belong to me. My report says that the identification or account number for this bankruptcy is # XXXX. This is not my first dispute against this item, I have been fighting tooth and nail with Experian trying to get this removed for years. First of all, this account is only being reported on my Experian file. There is no record of a bankruptcy on XXXX or XXXX. This says a lot because if I really would have filed a bankruptcy in XXXX, this would also be showing up on my other two credit reports but it never has. I am attaching a screenshot from a recent report which shows this fact. Second, there are no negative accounts listed on my report that show any indication I ever filed for bankruptcy. How can I have a bankruptcy if there is nothing listed on my report to suggest I ever did? This should be very straightforward but is something Experian has continued to ignore in all of my past disputes. Last and most importantly, I have contacted the XXXX XXXX Bankruptcy Court to the XXXX number provided in Experian 's responses. The information they have does not match my personal information. I was told I would need to dispute this with Experian in order to get this removed. If all this is true, how can Experian respond to my dispute verifying that this is my account? My dispute is being disregarded as frivolous when it is really Experian failing to process my dispute properly.

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