vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-07 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: UT

Complaint narrative:
XXXX XXXX # XXXX is double reporting an account with the bank on my credit. This account has also been paid off and is still reporting a balance and I never received a notice for my 30 day right to dispute in the first place. I need this removed off my credit as they are in violation.

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 2019-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am in receipt of a copy of my credit report reflecting invalid debt that I do not owe.I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received a copy of my credit report.What I find strange is your attempt to settle the debt with me when I don't owe you any money in the first place! Why would I settle on something I don't even know?! Again, I don't owe you any money! With all of that being said, please see this complaint as me disputing this alleged debt with your company as well as requesting debt validation with the signed COA.Thirty days is more than enough time for you to send CFPB and myself a response with legal supporting documents bearing that I've done some type of business with you, hence owing you money. Furthermore, State of Florida requires all collection agencies to be licensed and bonded in our state to collect on any debt you say I owe your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian is reporting a XXXX XXXX XXXX XXXX # XXXX account in error. This account has already been resolved and should no longer be on my credit. Experian is the only bureau still reporting this collection and it is invalid and should be removed.

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 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On my credit report shows a bunch of names for me. I was told by each credit check company all names would be removed except XXXX XXXX & XXXX XXXX XXXX. Any other names like XXXX or XXXX or last name being spelled wrong was suppose to come off my file. I'm hoping to get all this fixed up on credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On my credit report shows a bunch of names for me. I was told by each credit check company all names would be removed except XXXX XXXX & XXXX XXXX XXXX. Any other names like XXXX or XXXX or last name being spelled wrong was suppose to come off my file. I'm hoping to get all this fixed up on credit file. Thank you.

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 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I opened a new checking account in XX/XX/2019. When I opened the account it was disclosed that I would received a fee every month to receive a paper statement, but I could opt out of paper statements once I registered my account on the bank 's website and signed up for online banking. I signed up for online banking the same week that my account was opened. However, on the website, I was not able to opt out of paper statements. I contact the bank, via phone and email and was told there was a technical problem, and the bank was aware of it, and was working on it. Each month, the bank has charged me a fee for paper statements. However, because of a technical issue on the bank 's end, I do not have the option to opt out of paper statements. I have called or emailed nearly every month since and been told the same thing. The first 2 months the fee was waived after I called and explained the situation. Now I am being told the fees can't be waived any more, even though the error is on the bank 's end. I have asked repeatedly for either the option to opt out of paper statements, or if the error can't be resolved than to stop charging me a monthly fee. Neither has happened after 7 months.

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 2019-11-07 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-11-07 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:
I have been in contact with Experian and XXXX many times about identity theft and have provided them with police report and ftc report stating the identity theft and they refuse to remove accounts and when I ask them why they keep saying they verified it and tell me the reason is internal information and the representatives are very rude on Experian there are two accounts reporting that are not mine XXXX XXXX and XXXX and on XXXX XXXX accounts reporting i would like these accounts removed and any other fraudulent accounts that are reporting ASAP

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 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
SSN Tracker Alert Associated Address Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Date reported to Experian no such address anywhere in the county

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 2019-11-07 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian is reporting a XXXX XXXX # XXXX account in error. This account has already been resolved and should no longer be on my credit. Experian is the only bureau still reporting this collection and it is invalid and should be removed.

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 2019-11-07 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: GA

Complaint narrative:
I have been trying for years to Get XXXX off my report but it keep reappearing if it was originally open in 2009. I have asks the three Credit Bureau several times to remove it. I have asked these Credit Bureau to not show XXXX XXXX and XXXX XXXX on my report because they are listed under my Bankruptcy and should not show on all the reports. All accounts may show but have a XXXX balance. This accounts are showing DELINQUENT and should not be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Dear XXXX XXXX, I have a credit card with XXXX  XXXX. I made payments on time, but after XX/XX/XXXX payment, I had a hardship. I miss some payments. On XX/XX/XXXX, I contact XXXX  XXXX and talk to a representative about my credit card trying to take it out of the red. Well, the representative helps me in the wrong way. Instead of me paying a {$170.00} in XX/XX/XXXX and {$30.00} in XXXX and leaving a XXXX balance that I owe because it was {$35.00} instead of {$30.00}. There was a balance credit before I made that {$30.00} payment on my XXXX  XXXX card while still in the store I try to make a {$3.00} purchase on my card and it declines. I was upset and embarrassed at the same time. My XXXX  started to hurt while in XXXX XXXX store. I went to see my doctor the very next day. This have became to be unhealthy for me. After making payments I was told that I can't file for hardship, because my account is in good standing and I don't qualify for hardship. I miss 6 payments, because I was sick and lost my job. Why didn't a representative tell me about the hardship program, before a family member made this {$170.00} payment for me. I'm still lockout of my online account online and card. I just talk to a hardship representative today, XX/XX/XXXX at XXXX in central time and was told that I dont qualify for hardship anymore because my account is in good standing. 

Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been with Bank Of America for over 12 years. I have never had an issue with fraud till now. On XX/XX/XXXX, i had {$1400.00} taken out of the ATM. During the time of the incident i was at work 25 miles away from where the money was taken out. I have shown proof that i was no where near the area where the money was taken out. I have proved my work work schedule, email screen shots, my phone location throughout the day, and also written statements from co workers showing i was work the entire time. My original claim was denied within a week, and on the XX/XX/XXXX i reopened the claim and waited until XXXX.19 to hear back, that is almost THREE months, and they denied my claim again. They never reached out to me ONCE, and every time i called in, there was no update, only just that the bank was doing more research.I trusted BOA to protect me when something happens, but it feels like im the one fighting my bank to get my own money back. I have provided numerous documents and BOA has proved me nothing but a wave off. they have VIDEO of this happening, they KNOW what i look like, so its very CLEAR that it was not me who pulled out the money! I have also thrown had my old debit card thrown away and have requested BOA text alert me before any major withdrawals are made in the future. If this claim does not get resolved, i will lose all faith in BOA and will for SURE change banks and take my business elsewhere

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 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/2019.

I wrote to you on XX/XX/2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Arcadia Holdings, LLC
State: NJ

Complaint narrative:
Repeated SCAM robocalls from XXXX XXXX ( or XXXX? ) at Arcadia Recovery Bureau at XXXX or XXXX. No such debt exists now or ever has.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AZ

Complaint narrative:
OneMain Financial submitted credit application with out any knowledge of application, after contacting Branch Manager XXXX XXXX and OneMain Financia, they claim that NO application was ever submitted, but XXXX sent a offer for my information to be possessed as a credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Quality Asset Recovery LLC
State: PA

Complaint narrative:
XX/XX/2018 {$2700.00} Tried disputing the balance filed bankruptcy and will not remove from credit to stop me from renting or buy any property due to it being a judgement,

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 2019-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
O

ur Lender Loancare reported us to Credit Bureaus with a late payment. This dropped my husband 's once great standing credit as well as being denied a loan. Apparently our county taxes increased which in turn changed our mortgage payment. We made all of our payments thru online banking and they were sent at the end of the month to avoid any late fees, or late payments. 

When XXXX 's payment was made they put that in a suspend account due to the shortage of approximately {$30.00}. 

Then when XXXX came around another on time payment was made. Shortly after this I received notification by mail my payment was late, so I called loancare to find out what was going on. This is when I first learned about this issue. 
At this time I had no idea it would effect our credit. It wasnt till later when we applied for a loan elsewhere and were denied that I contacted them with a letter on XX/XX/2019 to have the reporting removed. They said they could not help because they contacted me more than once. 
I did say if they tried by phone that I do not answer any " 800 '' numbers because they are typically robotic calls or solicitations. 
They were not willing to change anything and said I should contact the bureaus. Again all payments were made On time and were never late.

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 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: KY

Complaint narrative:
On XX/XX/2015, I totalled a XXXX XXXX XXXX VIN # : XXXX which was registered and insured in my wife 's name. It was my fault. I was charged with XXXX as a result of the accident. No one was hurt. 
XXXX XXXX XXXX XXXX XXXX which provided coverage for the XXXX and continues to provide our coverage to this day has me listed for two ( 2 ) are fault total loss accidents one day apart from the other. They have me as being at fault on XX/XX/2015 and XX/XX/2015. The XXXX was the only vehicle we owned at the time. What's more, in XXXX 's own details it states that I was at fault for two total losses of the same XXXX XXXX XXXX. The vehicle was a complete loss and was towed away to XXXX 's analysis center on the XX/XX/XXXX, giving me no access to it. This dual at fault total loss combined with the XXXX has kept our insurance rates over the moon. I spoke with XXXX about a year and a half ago and they told me that there was nothing that they could do. It had been entered into the system, so that's how it was. Now, help me out here but that sounds like a load of bologna to me. They gave me the number to Lexis-Nexis but they also gave me the run around. I was wrong. I admit and since XX/XX/2015 I got XXXX and strive to maintain a higher quality of life for my family. I don't know what else to do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
On XX/XX/2017, someone open a checking account without my authorization. The account was an abuse account and which end up owing XXXX XXXX XXXX XXXX {$2900.00}. I have filed a complaint to Chex System, but they have not responded to my complaint so i wanted to file a complaint with the Consumer Finance Protection. The Chex System reference ID : XXXX. Please check the IP address of the online application, phone number, or me personally coming to a bank branch, you will clearly see that it did not come from me or I have called them ; regarding opening this account. Now, because of this fraudulent activity is making it impossible for me open any type of bank accounts. I want this to be removed from Chex System immediately on false allegation.

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 2019-11-07 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-11-07 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: Debt Recovery Solutions, LLC
State: MA

Complaint narrative:
The XXXX XXXX XXXX account on my XXXX credit report was supposed to be deleted a long time ago, I have told XXXX many times that the company that owns that account as of this moment has agreed to delete the account and I have given them prove of it thru the CFPB, the conversation that I had with the company that owns the account has also been provided to experian and it seems like they ignore it. I dont like it when a company thinks that they can do whatever they want with a consumers credit report and not care one bit, I have disputed this account with them like 3 different times and they wont delete it, they just keep updating the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
XX/XX/2019 {$290.00} place the debt on m credit after I discharged balance on bankruptcy

Company response to consumer: Closed with explanation