vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
on XX/XX/2018 i sent {$300.00} to my friend ac through XXXX having a cell # XXXX with conf # XXXX XXXX XXXX my ac was debited but it was not credited in my friend ac till today. 
i got affidavite from my friend that till today he has not received credit in his ac at XXXX XXXX. 
bank of america said they send at the right place .they never call on given cell # that money was received or not .my friend became my best enemy and he disconnected my friendship and now i am facing lot of XXXX  XXXX and XXXX problem due to this .i need compassation also for that as many times i personnally contacted bofa in XXXX il branch and wested more than 10 hrs. three times.my cell # XXXX thanks

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 2018-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In my review of my credit report LVNV FUNDING LLC is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
In my review of my credit report EOS CCA is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I am a victim of identity theft and learned that Waypoint is reporting on my credit file and it is a result of identity theft. Please remove this fraud account from my credit file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and learned that XXXX is reporting on my credit file and it is a result of identity theft. Please remove this fraud account from my credit file immediately.

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 2018-11-22 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient solutions has never once actually sent me any loan deferrment paperwork and without any notice or further contact to actually send what they said they would and even email the paperwork for deferrment on payments, they have reported me to credit bureau for nonpayment Not once not twice but 4 times every month the last four months and have ruined my credit score. They have shown no support or follow through with anything they said they would either via paperwork mailed or sent via email and every month they have the audacity to keep reporting me for nonpayment of a wrong amount and interest on top of it all to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX  which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Enterprises, LLC
State: FL

Complaint narrative:
In my review of my credit report XXXX XXXX is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I made a transfer to an account located in the XXXX ( international ). The transfer amount was {$1800.00}, and the transfer was made on XX/XX/XXXX. 
The bank, BB & T, charged {$56.00} for an " International Assessment Fee '' ( deducted on the same day ) .I complained, asking what this was for ; the reply was " This is our policy. '' There is no service corresponding to this fee. 

On XX/XX/XXXX, I made an ATM withdrawal while travelling in XXXX. The amount was {$83.00} ( XXXX Bank, XXXX ). Once again, I was charged an " XXXX XXXX XXXX '' of {$2.00}, deducted from my account on XX/XX/XXXX. There is a separate ATM usage fee of {$5.00}. 

It is difficult to see why an ATM withdrawal made from a major bank would require " assessment. '' There have been repeated charges of this type on every international transaction, always without any justification. 

I would ask the CFPB to intervene as this is a disgraceful abuse of my 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
Consumer complaint received 2018-11-22 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: TX

Complaint narrative:
I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so. Im not a lawyer or anything but if a furnisher doesnt own the account anymore, then how can they validate it? This account is clearly inaccurate. Not only that I am a victim of identity theft and the account from XXXX is a result of identity theft. But what struck me was that the other two bureaus removed the information I challenged. But For some reason, your company did not remove it. Im a little confused here. How is it that the other two bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other two bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and Im starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, Im not a complainer, but I do need this fixed. I need this error resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
In my review of my credit report CAPIO PARTNERS LLC is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2018-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2018-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as Experian, XXXX, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.

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 2018-11-22 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-22 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-11-22 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FEDERAL CU with no successful resolution. XXXX is the only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/ XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST HORIZON BANK
State: GA

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX with no successful resolution. XXXX is the only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/ XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, XXXX, and Transunion. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.

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 2018-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, Equifax, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, Equifax, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged CH-XXXX  XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that Bankruptcy Discharged CH-XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22 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: OH

Complaint narrative:
I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, XXXX and Transunion. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.

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 2018-11-22 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: OH

Complaint narrative:
I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as Experian, XXXX, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.

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