vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I spoke to XXXX  from the customer service from credit acceptance Corp on XX/XX/2018 and I told him that this account was obtained by someone who stolen my identity, Fraud, And This Representative keep calling and calling me every day harassing me asking to make a XXXX dollars payment and they will stop calling me and asking for my bank information,

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 2019-02-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are items in the Collections section of my credit report that are in violation of my rights under HIPPA and FCRA laws. Why is information about my medical history or anything about my medical providers being published. I have asked for this information to be removed several times. If not removed after this request I will proceed with legal process to sue as part of my legal rights

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 2019-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Its not letting me Dispute the 4 Items on my credit report I dont no how they got there it wasnt me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Was hospitalized for an extended period In late XX/XX/XXXX-XX/XX/XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. I was not held responsible by other creditors as it was through fraud and theft. I have resolved all issues with other creditors that were likewise defrauded. I have open and in good standing with Capital One to this day. The erroneous reporting concerns two old accounts I formerly had. I have contacted Capital One and the reporting agencies. Capital One long ago ceased any collection activity and issued me new accounts. But my credit report still shows these two negative accounts, much to my detriment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I have never been late on my closed account with gm financial, I have a late payment showing for the month of XX/XX/2017, I have disputed this numerous times with gm financial and the credit reporting agencies directly, this is my final attempt before I pursue legal action against gm financial. I have never been late with this account and I have documents to prove such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 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: DISCOVER BANK
State: KY

Complaint narrative:
I have spent months trying to work with the dispute department over an illegitimate charge made to my Discover card months ago. I have never known such incompetence in my life. I have spent hours with the dispute team ... .and a month ago, trying to get them to understand that I was not going to pay a {$52.00} charge that XXXX made to my Discover card, for a service that I did not receive, I thought that they FINALLY understood, and would handle the dispute accordingly. Just as with Discover Bank, Discover Card is the egregiously incompetent. After saying that they would handle my dispute, I saw tonight on my bill that AGAIN they put the charge back on my card! I paid of another transaction on the statement and closed the Discover card tonight, because I have had enough. It's like a merry-go-round ... ..month after month!! 

It is of great important that I let you know that I received a notice for 2 months from this incompetent credit card company about a dispute for {$140.00}, that I could make no sense of. It turned out ( by their own admittance ) that I was receiving a dispute for another customer ( by accident )!! This credit card company has should be put out of business for the level of incompetence that they dish their customers!!!!!!!!!!!!!!!!! I think this other account holder should be notified that I was receiving THEIR notifications about a dispute that they were trying to have resolved!! 

I have several XXXX credit cards, and a Mastercard, and have never before experienced issues with the dispute process, or customer service, as I have with this incompetent company, Discover. I would ask that you protect me as a consumer, and not allow them to harm my credit rating, for an illegitimate charge that was made to my card by XXXX. Please help me with this issue, and if possible, have Discover reprimanded for their continued incompetence ... .both in banking and credit card services. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: MO

Complaint narrative:
After pulling a copy of my credit report I notice that this collection agency is reporting an account on my credit report on my credit report. 
1. Act # XXXX I send them a letter disputing this claim and send it with tracking receipt XXXX XXXX XXXX XXXX XXXX XXXX. I requested that they send me any agreement that grants them the authority to collect. Or any proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. I also asked that they send me copies of any agreement that bears my signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. In which they have failed to send me these items and still reporting on my credit report. I am not at all refusing to pay I only send as a notice of dispute to the claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Called Wells Fargo 's XXXX  number they told me, instead of depositing check at teller, I can deposit in ATM, and it would be treated the same. 

Then Wells Fargo did not treat it the same and charged me a {$12.00} fee. 
Wells Fargo Acc # XXXX. Deposited check in ATM on XX/XX/19. This was the last date it could be deposited. Wells Fargo apparently has the practice of treating an ATM deposit as actually deposited the next day. And so on XX/XX/19, Wells Fargo treated the check as deposited on XX/XX/19, one day late, and charged the account {$12.00} fee. 

Wells Fargo should not have told me an ATM deposit is treated the same in every way as a teller deposit. It should have told me it treats the ATM deposit as occurring day later than a teller deposit. If I knew so, I would have made deposit at teller instead of at ATM. 

I was wrongfully charged this {$12.00} fee.

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 2019-02-06 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: AL

Complaint narrative:
Was hospitalized for an extended period In late XX/XX/XXXX-XX/XX/XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. I was not held responsible by other creditors as it was through fraud and theft. I have resolved all issues with other creditors that were likewise defrauded. I have open and in good standing with XXXX XXXX to this day. The erroneous reporting concerns two old accounts I formerly had. I have contacted XXXX XXXX and the reporting agencies. XXXX XXXX long ago ceased any collection activity and issued me new accounts. But my credit report still shows these two negative accounts, much to my detriment.

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 2019-02-06 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: AL

Complaint narrative:
Was hospitalized for an extended period In late XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. I was not held responsible by other creditors as it was through fraud and theft. I have resolved all issues with other creditors that were likewise defrauded. I have open and in good standing with XXXX XXXX to this day. The erroneous reporting concerns two old accounts I formerly had. I have contacted XXXX XXXX and the reporting agencies. XXXX  XXXX long ago ceased any collection activity and issued me new accounts. But my credit report still shows these two negative accounts, much to my detriment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 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: AL

Complaint narrative:
Was hospitalized for an extended period In late XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. I was not held responsible by other creditors as it was through fraud and theft. I have resolved all issues with other creditors that were likewise defrauded. I have open and in good standing with XXXX XXXX to this day. The erroneous reporting concerns two old accounts I formerly had. I have contacted XXXX XXXX and the reporting agencies. XXXX XXXX long ago ceased any collection activity and issued me new accounts. But my credit report still shows these two negative accounts, much to my detriment.

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 2019-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are items in the Collections section of my credit report that are in violation of my rights under HIPPA and FCRA laws. Why is information about my medical history or anything about my medical providers being published. I have asked for this information to be removed several times. If not removed after this request I will proceed with legal process to sue as part of my legal rights

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 2019-02-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are items in the Collections section of my credit report that are in violation of my rights under HIPPA and FCRA laws. Why is information about my medical history or anything about my medical providers being published. I have asked for this information to be removed several times. If not removed after this request I will proceed with legal process to sue as part of my legal rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 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: CA

Complaint narrative:
XXXX XXXX  XXXX sent a letter stating the item would be deleted from my credit report. The item still remains and Trans Union keeps stating the item is verified. How are they verifying an item that should be removed as per the creditor. I am requesting this item be removed asap. Seeing as how as a result of my letter requesting validation, XXXX was unable to validate and lettered addressing removal. Trans union should not be marking this item as verified. Please see letter and credit report attached that shows they are still stating this item is verified.

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 2019-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My account had a credit balance of {$66000.00} that was to be refunded to me since mid-XX/XX/2018. The credit balance was on my account as a results of merchant credits that were owed to me for a group of transactions, and ultimately as of mid-XX/XX/2018 Capitol One collected these credit for me. My account accurately reflected the credit balance on my monthly statement. Initially after I requested my credit balance refund to be mailed to me, Capitol one told me they were going to mail me the credit balance refund within 7 days, later they told me they needed to wait until mid-XX/XX/XXXX due to the amount. In XXXX I was finally told the request was being submitted, but instead of mailing me the refund, they simply removed the credit balance from account to nowhere. See my XXXX statement attached herewith, you can see a purchase adjustment dated XX/XX/18 for {$66000.00}, and all they explaining me by phone is that it was moved to unclaimed holding account! I have been trying to call Capitol one repeatedly to get my money, but no one can give me a straight answer. All they are saying is that its going through verification and itll take 7-10 days to get an answer. I have been waiting this 7-10 days forever, finally I was assured on XX/XX/XXXX that it was being mailed out to me on XX/XX/XXXX. After waiting for 2 weeks now, 2 days ago I was told NO check has been mailed to me, and no one can tell me why or what can be done to get my money to me. I find this illegal as per the law capitol one is required to refund my credit balance within seven business days from receipt of request. Here its not been 7 days but almost 90 days! please get this resolved for me immediately as I should have to wait one day extra. They are not even paying me interest on this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
Consumer ID # XXXX In my previous dispute with this XXXX  dated XX/XX/2019. XXXX  has failed to provide a method of investigation as requested. CFPB complaint # XXXX XXXX  failed to respond to my method of investigation. Futhermore, as a company holing a report under my name, XXXX tried to push the burden of proof to me. How lazy and irresponsible of XXXX  to have me try to verify the information they are reporting, IT IS YOUR JOB XXXX!!!!!!!! not mine. 
-Still have yet to receive a method of invesigation -Still have yet to get any relief on the issues requested in this dispute -XXXX  has failed to fulfill their responsibility and tried to push the burden on me. 
- Multiple FCRA violations Furthermore XXXX  has failed to correct/remove/verify/show method of investigation for anything I listed tint the previous dispute. This company is willfully not complying with FCRA Once again, attached is all items that had been previously disputed and a method of investigation/verification had been requested in Cpfb complaint XXXX. I have the utmost confidence in XXXX ignoring/ brshing me off as well as, not complying with standards set forth in an industry they chose to be in. XXXX needs to do a better job at DOING THEIR JOB and stop trying to push their responsibility back to the 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 2019-02-06 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: UT

Complaint narrative:
I had phone service through XXXX and I changed phone carriers to XXXX. When I changed companies they sent payoff to XXXX to buy out my contract, however, I recently discovered that XXXX turned my account in to collections with XXXX XXXX XXXX.At the time that I changed cell phone companies I went to XXXX and paid my remaining balance on the account so there was nothing still owing.. The amount that they sent me to collections for was for the remainder of my contract which was paid off by XXXX. I have contacted XXXX XXXX and they won't do anything, they tell me that I have to talk to XXXX. I have contacted XXXX and they tell me that it has been too long and they don't have any records on my account anymore. I also contacted the three credit bureaus and XXXX took the account off of my credit report but the other two agencies didn ; t respond and have done nothing to help me resolve this. The amount that it shows me owing is {$1200.00}. Opened on XX/XX/2015. I am getting nowhere with trying to resolve this derogratory reporting on my credit with both Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: Diversified Consultants, Inc.
State: UT

Complaint narrative:
I had phone service through XXXX and I changed phone carriers to XXXX. When I changed companies they sent payoff to XXXX to buy out my contract, however, I recently discovered that XXXX turned my account in to collections with Diversified Consultants Inc.At the time that I changed cell phone companies I went to XXXX and paid my remaining balance on the account so there was nothing still owing.. The amount that they sent me to collections for was for the remainder of my contract which was paid off by XXXX. I have contacted Diversified Consultants and they won't do anything, they tell me that I have to talk to XXXX. I have contacted XXXX and they tell me that it has been too long and they don't have any records on my account anymore. I also contacted the three credit bureaus and XXXX took the account off of my credit report but the other two agencies didn ; t respond and have done nothing to help me resolve this. The amount that it shows me owing is {$1200.00}. Opened on XX/XX/2015. I am getting nowhere with trying to resolve this derogratory reporting on my credit with both XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: CORELOGIC INC
State: UT

Complaint narrative:
I was workig with a rental agency to rent an apartment and 2 hard inquiries were put onto my credit report from Credco within 12 days of each other. One on XX/XX/2018 and the other on XX/XX/2018. I contacted XXXX and explained the situation and asked them to remove one of the hard inquiries and they told me that they would not remove either of them and that I had to go back to the company that I was working with to have them remove it. The rental company said that they could not remove either of them because I had to talk to XXXX. So neither of the companies would help me resolve the problem.

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 2019-02-06 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: AL

Complaint narrative:
Was hospitalized for an extended period in late XX/XX/XXXX-XX/XX/XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. Creditors affected agreed that card was used fraudulently and charged-off balances as not belonging to me. Other creditors deleted any mention of the fraudulent account and issued me a new account.

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