vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-04 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: FL

Complaint narrative:
4 collection accounts that incorrectly being reported. I request full validation of these accounts as I have not authorized any services from any of these companies. If full valifation can not be done, I demand all to be deleted immediately. 
Accounts : XXXX XXXX {$420.00} XXXX XXXX XXXX- {$330.00} XXXX XXXX- {$310.00} XXXX XXXX XXXX- {$730.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04 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: WA

Complaint narrative:
Unverified information on my credit report Equifax and XXXX   I have sent 3 letters to each company and they cant verify the information they said is Ben Verified but they dont have no proof 1st letter sent on XX/XX/18 to Equifax and XXXX 2nd letter was sent on XX/XX/18 to XXXX and to Equifax it was sent on XX/XX/18 .3rd letter was sent on XX/XX/18 to Equifax and 3rd letter to XXXX was sent on XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
Repeated attempts to validate alleged debt, sent certified letter XX/XX/18 and XX/XX/18. Convergent Outsourcing fails to provide proof of alleged debt and continues to make false report to credit bureaus of inaccurate information. Spoke with XXXX lead supervisor at XXXX who stated the account was closed and no longer in the office as of XX/XX/18 but refuses to send confirmation in the form of a letter requested that the account was removed from their office. I called everyday for 5 days and no one will direct me to the correct person who handles these matters. Please remove from all 3 credit bureaus this is reporting to. This is a violation of my rights to report inaccurate information on my credit report.

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 2018-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have applied multiple times for the XXXX XXXX and because no one at the bank calls the number on my Fraud Alert they decline application as unable to verify identity.

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 2018-11-04 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
As described to XXXX XXXX : XXXX XXXX XXXX Account was used fraudulently by my previous roommate, ex boyfriend. I sent this bank an affidavit and called s number of times. Over XXXX in Fraud Charged

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: IL

Complaint narrative:
I have had this bad debt on my record and have contacted XXXX XXXX XXXX many times about it. The amount is for canceling my phone contract and they say I never turned in phones. I did and proved it and somehow this collection company got it anyway. So then I contacted Enhanced Recovery Company and was offered a settlement and agreed to it. When I went to pay they said they have no record. I challenged this debt twice and have been given the run around. They have threatened suing me and garnishing my wages even when I tried to come to a agreement with them. My credit have now been effected for yeas over their fraudulent activities. I have tried many times to clear this debt and only been spun by this company.They just lie and spin us and refuse any reasonable offers. 

ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX, FL XXXX I want a resolution to this so I can fix my credit and buy a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: LA

Complaint narrative:
I had a gym membership with XXXX XXXX handling the financial deductions from my account. I canceled the membership according to their requirements and had an email from them stating I had met requirements, and it stated the last day that money would be taken from my account. They continued to deduct for two months after that. I had my bank stop payments and it was reversed. The company again took XXXX dollars from my account the next month. I had sent numerous emails to this company and talked to them on different occasions. I then had correspondence from the company telling me I did not meet the requirements to cancel. I sent approximately 30 emails with proof of my requirements to cancel in addition to what I previously had sent them. They sent a different email that changes their requirements to cancel. It had changed from the previous one. I sent them a copy of the original and circled it for them!! I also filled complaint with XXXX And talked directly to the gym. I finally got an e-mail from XXXX that it was resolved and nothing further was needed. Then after my bank had reimbursed XXXX dollars, it was reversed and disputed by XXXX and they got that money back!! So they still owe me {$120.00} dollars. This practice from this company has continued for too long. XXXX knew exactly which company it was before I told them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
There was an unauthorised transaction of {$2000.00} with a merchant ( XXXX XXXX XXXX in XXXX ) on XX/XX/XXXX. I disputed this transaction with my US credit card company. The dispute was resolved against me in XX/XX/XXXX and I made the payment. My credit card company resolved the transaction as valid. 

I approached the merchant recently in XX/XX/XXXX and learned that the merchant does not have my payment. The merchant bank made a permanent debit to the merchant due to insufficient documentation, this means they resolved the transaction as invalid. The merchant bank opened an investigation and confirmed that they credited the card holder account ( my account ) on XX/XX/XXXX.

I shared the above information with my US credit card company in XX/XX/XXXX. They sent a letter on XX/XX/XXXX which says - " We have made every attempt to resolve your dispute with the merchant. They are unwilling to issue a credit to your account. This will be our final letter regarding this dispute ''. 

Summary : -- -- -- -- -- -- - 1 ) The transaction happened on XX/XX/XXXX for {$2000.00} 2 ) I disputed the transaction in a week but it was resolved against me in XX/XX/XXXX and I made the payment.

3 ) Approached the merchant in XX/XX/XXXX and found that they do not have my payment because the merchant bank resolved the transaction as invalid due to insufficient documentation. 
4 ) Approached the merchant bank in XX/XX/XXXX. The merchant bank opened an investigation and confirmed that they credited the card holder account on XX/XX/XXXX.

5 ) Approached my credit card company and shared the above information. Their letter dated XX/XX/XXXX says " We have made every attempt to resolve your dispute with the merchant. They are unwilling to issue a credit to your account. This will be our final letter regarding this dispute ''. 
6 ) The merchant does not have my payment. The merchant bank says they credited my account on XX/XX/XXXX. My credit company says they did not get the credit. Who is having the money for the payment I made? My credit company can not close the investigation without addressing this.

I already opened a complaint ( XXXX ) but this is additional information to that complaint.

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 2018-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: TN

Complaint narrative:
On XX/XX/2018 i disputed with the CFPB about PMAB , llc and they company responded that is was to be deleted from my credit reports. I disputed it with the credit bureaus and on XX/XX/2018 PMAB , LLC updates the credit bureaus as accurate. I was also sent a letter form the company that they deleted it from my reports and now they are still showing in there. I'm only writing this to let CFPB know that this company is shady and has been lying to you this whole time. I am taking legal matters as of Monday morning XX/XX/2018 i will be filing suit against PMAB , LLC and suing for damages and negligence from their company. I have the letter stating they were deleting it and copies of the complaint numbers they responded to on CFPB as well. I will have a judge from the courts have them comply with the letter and their responses here on CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I received a letter from a debt collector, Central Portfolio Control, on XX/XX/XXXX, stating I owe money on an account I do not recognize and threatening to take me to court. The original creditor on the debt collection notice is listed as XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX at least twice by phone and both times my contact information was taken and I was told I'd be contacted by their fraud department but I have not received any call back to resolve this matter. 

I have responded to Central Portfolio Control via fax on XX/XX/XXXX informing them the account is not mine and is a result of identity fraud but have not received a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I received a letter from a debt collector, XXXX XXXX XXXX, on XX/XX/XXXX, stating I owe money on an account I do not recognize and threatening to take me to court. The original creditor on the debt collection notice is listed as XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX at least twice by phone and both times my contact information was taken and I was told I'd be contacted by their fraud department but I have not received any call back to resolve this matter. 

I have responded to XXXX XXXX XXXX via fax on XX/XX/XXXX informing them the account is not mine and is a result of identity fraud but have not received a response from them.

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 2018-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I have had my XXXX XXXX enrolled in autopay for over six months. I logged in to download my statements and my autopay information was erased. I was never notified of this. In addition, XXXX will not let me enter my checking account information ( the same account! ) to set up a new payment source. A website error continues to state that the routing number could not be verified. Again- same account that XXXX has been successfully using for autopay for over six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Paypal account was hacked in XX/XX/2016, involved in several data breaches. Continuous problems since then.

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 2018-11-04 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: Millco Management
State: AL

Complaint narrative:
I just checked my credit report and XXXX XXXX have four accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXXi have never have a contract with these companies. i did not receive a dunning letter in the mail saying I have a right to dispute this debt. This company hold four accounts with my name social security number address date of birth without my permission which is identity theft.They bought these accounts from another collection company. This company needs to delete my personal information out the database.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
I don't know anything about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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: NJ

Complaint narrative:
Dear Sir/ Madam, There has been a so called Collection by the name of ( XXXX XXXX supposedly for XXXX XXXX account that I never had ) ) on my credit reports which was posted on XX/XX/2018, I have no recollection of this company, I believe it's FRAUD included in stolen Identity SCAM that was posted on my reports, I contacted the credit Bureaus to remove the scam ASAP, I was told that it was verified, someone posted this scam on my name and I want that removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Recieved a call from XXXX. The man stated he was from dynamic recovery solutions and was collecting a medical debt from XX/XX/2011. He wanted an updated physical address and payment. He stated that there was a new law that he could attach my taxes and this would negatively affect my credit. He stated he would give me a 50 % discount which equaled around {$650.00}. He gave me a number to call back and stated I had until Tuesday and he would hunt me down if I didnt. He stated his name was XXXX XXXX and callback number of XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04 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: NY

Complaint narrative:
I PREVIOUSLY REPORTED TO YOU THAT EQUIFAX IS REPORTING A MACYS ACCOUNT ON MY CREDIT REPORT THAT I DISPUTED ORIGINALLY IN XX/XX/2018 THEY NEVER GAVE THE RESULTS OF THRIR INVESTIGATION SO I RESUBMITTED A REQUEST TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT AGAIN THIS TIME USING YOUR SERVICES EQUIFAX RESPONDED TO YOU ON XX/XX/2018 AND SAID THAT A REINVESTIGATION IN PROCESS ON SATURDAY XX/XX/2018 I RECEIVED A LETER FROM EQUIFAX STATING THEY RECEIVED THE REQUEST CONCERNING MY EQUIFAX FILE BUT THE IDENTIFICATION INFORMATION I PROVIDED DOES NOT MATCH THEIR RECORDS AND TO PROPERLY ASSIST ME THEY WOULD NEED ADDITIONAL INFORMATION TO VERIFY MY IDENTITY AND CURRENT ADDRESS AS I BEGAN TO GET THE DOCUMENTATION READY TO SUBMIT TO THEM THIS MORNING ON XX/XX/2018 AT XXXX XXXX I RECEIVE AN EMAIL THAT THE INVESTIGATION RESULTS ARE IN AND THE SANE ACCOUNT STILL REMAINS ON MY ACCOUNT. HOW CAN THIS BE POSSIBLE WHEN THEY DID NOT RECEIVE THE INFORMATION FROM ME WHICH THEY REQUESTED ON XX/XX/2018 THAT I RECEIVED BY POST OFFICE MAIL ON XX/XX/2018 TO VERIFY MY INFORMATION AND IDENTITY. AGAIN EQUIFAX IS FAILING ME AND NOT PROPERLY INVESTIGATING THIS FRAUDULENT ACCOUNT AND REMOVING IT FROM MY CREDIT REPORT. SOMETHING NEEDS TO BE DONE ABOUT THIS EQUIFAX AGENY THEY ARE FAILING US WITH THESE ILLEGAL PRACTICES OF NOT FAIRLY INVESTIGATNG FRAUDULENT INFORMATION BEING PLACED ON CONSUMERS CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I sent a written request to XXXX XXXX at : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, WA XXXX Requesting proof that I am legally liable for the debt listed below ; and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. 

Creditor Information XXXX XXXX XXXX XXXX   XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX   XXXX Opened XX/XX/2016 {$310.00} Original creditor : XXXX XXXX After XXXX  XXXX did not answer my request I submitted a dispute to the three major credit reporting agencies. XXXX  and XXXX  removed the info from my XXXX permanently. XXXX  removed the info then added it back to my XXXX after a couple 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 2018-11-04 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: NJ

Complaint narrative:
Although this issue has cost me thousands in higher interest rates I only discovered the actual cause of the problem in XX/XX/XXXX. 
Transunion ( TU ) is treating my {$150000.00} Home Equity Loan ( HELOC ) as unsecured credit card debt instead of a loan secured by real estate. TU even mentions this in the XXXX notes explaining whats negatively impacting my score ( no real estate loans and too high revolving debt ). As such my FICO score when calculated through TUs XXXX model is OVER 100 POINTS lower than when my FICO score is calculated using a model created by XXXX ( and, I believe, XXXX ) .TU rates me a C while XXXX  has me either a B+ ( very good ) or A ( excellent ). Two weeks ago - on the same date - my TU FICO was XXXX/XXXX while my XXXX  FICO was XXXX/XXXX. ( I can only find pictures I took showing TU at XXXX on the same day XXXX was XXXX and will attempt to upload them. ) My HELOC is from XXXX XXXX. It originated on XX/XX/XXXX as a five year line of credit. On XX/XX/XXXX the loan became exclusively a 15 year repayment -mortgage like- loan in the monthly amount of {$1300.00}. 
The HELOC has always been secured by my home so I do not understand how TU is permitted to treat it as unsecured credit card debt.

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 2018-11-04 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: NJ

Complaint narrative:
Dear Sir/ Madam, There has been a so called Collection by the name of ( XXXX XXXX supposedly for XXXX XXXX account that I never had ) ) on my credit reports which was posted on XX/XX/2018, I have no recollection of this company, I believe it's FRAUD included in stolen Identity SCAM that was posted on my reports, I contacted the credit Bureaus to remove the scam ASAP, I was told that it was verified, someone posted this scam on my name and I want that removed as soon as possible.

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 2018-11-04 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: NJ

Complaint narrative:
Dear Sir/ Madam, There has been a so called Collection by the name of ( XXXX XXXX supposedly for XXXX XXXX account that I never had ) ) on my credit reports which was posted on XX/XX/2018, I have no recollection of this company, I believe it's FRAUD included in stolen Identity SCAM that was posted on my reports, I contacted the credit Bureaus to remove the scam ASAP, I was told that it was verified, someone posted this scam on my name and I want that removed as soon as possible.

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