vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
Three Credit Cards trying to be collected have been prove to be Identity Thief and XXXX, XXXX XXXX and XXXX deleted them in XXXX. Police report, Identity Thief report, copy of Alabama Driver 's License, Social Security card, Birth Certificate and Still USAA are claiming I opened the three credit cards. I do n't even know when the cards were applied for, got or used. I have submitted all this and am still being harass by USAA. USAA has sent this to XXXX XXXX XXXX, XXXX and XXXX. The Credit cards are XXXX {$7400.00}, XXXX {$5100.00} and XXXX {$11000.00}. I had a house guest from XXXX XXXX till XXXX XXXX then I kick her out. In XXXX of XXXX, I XXXX XXXX XXXX was contracted by XXXX XXXX XXXX in XXXX XXXX. Was informed that I owed for three Credit cards. I thought it was a bad joke. I call the police made a report. Submitted to XXXX XXXX XXXX police report, Driver 's License, Social Security number and Birth Certificate. Then in XXXX XXXX contracted by XXXX did the same and sent USAA the same information. Now XXXX and I have filed a Identity Thief Report. XXXX XXXX, XXXX and XXXX all did an investigation then deleted from my credit in XXXX. USAA has received all these reports and still trying to collect on an Identity Thief victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I requested my ChexSystems report and noticed : 1. My report has 5 different addresses which needs to removed. 
2. My name should be XXXX XXXX XXXX, no other name. 
3. This company has me listed as owing 2 banks : XXXX XXXX XXXX in the amount of {$340.00} and XXXX XXXX for $ XXXX am not aware of either of these accounts.In which they have an address that I 've NEVER resided. 
After being denied by a credit union for checking/savings account, I was informed of these accounts. In which they have an address that I 've NEVER resided. 

I have sent a letter to update all of my information and to remove these accounts from my report, as it is preventing me from opening up bank accounts. 

There has not been any resolution to this issue. 

Please investigate.

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 2017-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AR

Complaint narrative:
This account was fraudulently used in my name. I contacted XXXX XXXX multiple times to inform them I was not responsible for the charges but they never removed the false charges and late fees kept rising. The account was then showing closed through the credit bureau and discharged but now is showing to be reopened. I am not responsible for these charges Since I did not create them. The account was closed on XXXX XXXX XXXX. It is now showing re opened on XXXX XXXX XXXX. The amount is {$1800.00}. The debt collector is XXXX. The original creditor is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I have also included a copy of my dispute results with XXXX showing the said accounts already deleted with them. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my 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 non-monetary relief
Consumer complaint received 2017-10-27 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank Of America XXXX XXXX XXXX XXXX I have tried time after time to get refunded by Bank Of America XXXX XXXX XXXX XXXX. 
I file a complaint in XXXX with Bank of America XXXX XXXX card. 

XX/XX/XXXX Post date Amount {$11.00} XXXX XXXX Membership Transaction date XX/XX/XXXX I  have never applied or used no XXXX XXXX Membership or requested one. 

Bank Of America XXXX XXXX XXXX XXXX Dispute form was mailed out on XX/XX/XXXX and the Denied letter was mail out on XX/XX/XXXX I fax it back to them but was denied before I got the dispute form.

I got the denied letter before I even got the dispute form. They just simply ripping people off. 

I have attach the letters as proof I have call XXXX as stated on the letter left several messages but no reply. 
Number as stated on the letter XXXX Ext XXXX The letter is proof of dates not my wrong info I waited a whole month for the dispute forms it was one lie after another each week I call nothing in the mail and then I get back to back letters and denied before I even get the dispute form and XXXX never answer just get voice mail I have call for over a week and same thing have phone records for proof. He never returns call or nothing have call over and over

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 2017-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Dream Center Education Holdings
State: TX

Complaint narrative:
I have been attending XXXX University XXXX XXXX Georgia since XXXX, and I have been having issues with the financial aid services at this particular school. When I first started the college, I was told that I would be enrolled they were charging me around XXXX every five weeks class, so when it was time for the money to be released to the college and myself, I notice things started changing. I called and they would give me an excuse about, that I didnt have all my paper work in in time so they could n't give me the remaining funds. I as was the money returned to my lender and they said that it would be used on the next quarter, but when the next quarter came, I never saw the funds and it was no longer on my account balance in the positive. I called the XXXX XXXX and asked them about it but they had no documentation showing where they sent the money back to them and this has happen a few time since I have attended XXXX University. I went and read some complaints about the college of some students who were having the same problem as well. When I contacted fasfa to ask them about how much money was given to the college, it was not adding up, so when I asked my financial counselor about it, she asked me did I receive a amount for {$1500.00} and I told her no, so she got really quite and changed the subject. I was wanting someone to check into this because I believe that they are keeping a lot of the money and that scares me because I do n't want the money that I have to pay back to be misused by a college or them robbing me blind. I thank you for your time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: LA

Complaint narrative:
PNC Mortgage, XXXX I purchased my house in XXXX XXXX, XXXX. I been having problems with my home since purchased it. In XXXX XXXX me and my spouse separated and we agreed that i was not responsible for the monthly payments nor the interest on the home. My credit score is poor because of nonpayment reports and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.

Complaint narrative:
My problem is that equifax does not rate my score fairly XXXX is a XXXX XXXX is a XXXX and I was told my equifax was XXXX however when my credit union pulled my score it come back as a XXXX causing me not to be able to finance a thing I dont understand how my score can be that many points off from the other I feel equifax is not being fair with me I disputed negative items with XXXX they removed however equifax XXXX remove nothing even XXXX I have written proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There is an Equifax hard inquiry on my credit report dated XXXX XXXX. I do not recognize this inquiry nor have had my credit checked during that quarter. This has been recorded without my consent or knowledge. I am willing to provide any proof that this should not be present on my credit report. Thank you in advance for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have filed a complaint more than 30 days once again I 've been disputing inaccurate information for almost 5 months and still have n't received any verification from credit bureau or companies, under the fair credit act they have 30 days to respond or it should be deleted off my report acceptance now, XXXX consumer XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and eastern accounts are reporting charge off these accounts are no longer accountable the debt was sold and written of on taxes therefore XXXX can no longer come after the person, and XXXX XXXX never was I late, I also have mutilple hard inquiries that were added back to my account I have not applied for any loans or credit card so please remove all non account holding over 30 days old this is about my third complain yet not to mention have n't received any information or verification

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 2017-10-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
Please be advised that i am disputing this collection due to the fact that credit collection services XXXX XXXX XXXX XXXX, MA XXXX Does not have a current license is missouri to collect on debts. This information is stating that their license is forfeited according to the secretary of state missouri. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that Credit Collection services are licensed to collect in missouri. Your response is greatly appreciated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
There is an XXXX hard inquiry on my credit report dated XXXX XXXX. I do not recognize this inquiry nor have had my credit checked during that time frame. This has been recorded without my consent or knowledge. I am willing to provide any proof that this should not be present on my credit report. Thank you in advance for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: NC

Complaint narrative:
There is an XXXX hard inquiry on my credit report dated XXXX 2017. I do not recognize this inquiry nor have had my credit checked during that time frame. This has been recorded without my consent or knowledge. I am willing to provide any proof that this should not be present on my credit report. Thank you in advance for your review.

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 2017-10-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have filed a complaint more than 30 days once again I 've been disputing inaccurate information for almost 5 months and still have n't received any verification from credit bureau or companies, under the fair credit act they have 30 days to respond or it should be deleted off my report acceptance now, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX accounts are reporting charge off these accounts are no longer accountable the debt was sold and written of on taxes therefore u can no longer come after the person, and XXXX XXXX never was I late, I also have mutilple hard inquiries that were added back to my account I have not applied for any loans or credit card so please remove all non account holding over 30 days old this is about my third complain yet not to mention have n't received any information or verification

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have filed a complaint more than 30 days once again I 've been disputing inaccurate information for almost 5 months and still have n't received any verification from credit bureau or companies, under the fair credit act they have 30 days to respond or it should be deleted off my report acceptance now, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are reporting charge off these accounts are no  longer accountable the debt was sold and written of on taxes therefore u can no longer come after the person, and XXXX XXXX never was I late, I also have mutilple hard inquiries that were added back to my account I have not applied for any loans or credit card so please remove all non account holding over 30 days old this is about my third complain yet not to mention have n't received any information or verification

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 2017-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX

Complaint narrative:
Collection XXXX XXXX XXXX XXXX XXXX XXXX Called XXXX/XXXX/XXXX, XXXX XXXX left no message. 
I called back at XXXX XXXX and instructed XXXX instructed me they were working on behalf of Second Round in an attempt to collect a debt.I told XXXX not call my number again or any number he may have associated with my name or account. I then provided XXXX XXXX XXXX name and phone number ( my Attorney ) and ask he contact him directly. He said OK and thanked me for calling. 
Today is day two since their first call and I have yet to receive anything in writing from Second Round or XXXX XXXX XXXX XXXX XXXX in regards to any debt that I may owe. Its my understanding that under the FDCPA they must supply documentation by day 5. My  credit report was pulled by XXXX XXXX XXXX on XXXXsoft pull. 

Today XXXX and still have not received any documentation from anyone concerning a debt I owe. 
. 
Today XXXX/XXXX/XXXX Debt collector XXXX XXXX called ( XXXX ) but left no message. 

XXXX/XXXX/XXXX I returned the miss call and they stated they were working on behalf of Second Round and attempting to collect a debt. I told them to speak with my lawyer and gave the info to them. 
I followed up and emailed Second Round informing them they were in violation of the FDCPA for having their collection network call after being advised I had an Attorney and to only call him and no longer attempt to contact to me. XXXX/XXXX/XXXX. My credit report was pulled by XXXX on XXXXsoft pull. 

XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX called. I returned the call advising them that they had violated the FDCPA rule and XXXX comment was that it was a mistake, she was not trying to call me, it was just that I was in their system. She did acknowledge that she had violated the rule. 
Also, today XXXX/XXXX/XXXX, I have yet to receive any documentation from any debt collector in regards to any debt. My understanding is no later than five days after a collection call, its required that the collector send a letter describing the debt. 

XXXX/XXXX/XXXX, yet to receive ANY documentation. 

XXXX/XXXX/XXXX pulled credit report and noticed recently Second Round had placed a collections account and derogatory mark on my credit report causing my score to fall 22 points. Again, I have never received any account info, debt owed or any other communication from a debt collector in writing that I owed this debt. 

As noted, I believe Second Round ( the main collector ) violated the FDCPA by calling after advising them of my Attorney and providing his contact number. I also believe my rights were violated when five days expired and I did not receive any documentation following their calls. Today ( XXXX ) I have not received one single letter from any debt collector including Second Round, XXXX XXXX XXXX XXXX or XXXX XXXX in regards to any debt whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: CA

Complaint narrative:
On XXXX/XXXX/XXXX I sustained an animal bite and was directed to the XXXX XXXX Department where I received XXXX XXXX. Before being XXXX, they updated my medical insurance information and contact details. 

In XXXX XXXX my medical bill for {$2900.00} was still showing as outstanding in the hospitals patient portal, so I contacted XXXX and they instructed me to contact my insurance company, XXXX, as the payment had not been received yet. XXXX said they never received a claim from XXXX for this ER visit and instructed me to file the claim personally, which I did. I used the online interactive form and forwarded the claim documentation to the insurance company and to XXXX. Both XXXX and the XXXX XXXX XXXX XXXX department confirmed receipt of my claim and I kept both organizations on copy in my e-mail filing the claim. 

I had used the same insurance with XXXX previously and I did not have to file the claim myself - XXXX billed the insurance company directly and received the payment without me getting involved in the claim process at all. 

In XXXX XXXX I received a letter from XXXX XXXX XXXX informing me that XXXX XXXX XXXX have placed my account with XXXX XXXX XXXX for collections. I tried contacting XXXX to clarify, but every time I call, my call is routed to XXXX XXXX instead of XXXX and I was informed that I would not be able to speak with an XXXX representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I made a payment of {$90.00} through Paypal to an online seller. But I did not receive service as described. I did not ask for a full refund, but the seller refused to partial refund. I opened a dispute on Paypal. But I accidentally closed the case and Paypal did not allow to reopen it. I lost {$90.00}

Company response to consumer: Closed with explanation