vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Over the last several months, I have tried to cancel my account with Experian.com. The last time I called their 1 ( 866 ) number, Iwas informed that my account had been closed. However, they continue drawing {$19.00} from my bank account every month and there is no way to get a human on the line to resolve this problem! 

Very frustrating.

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 2020-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Forster & Garbus sent a letter to me regarding a balance for {$840.00} and now they have sent a judgement and now execution of garnishment to my employer and I wasn't properly served a letter was sent to my house saying i owed {$1100.00} where did all that money come from when the account was closed. I need some help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: SD

Complaint narrative:
I contacted TransUnion several times ( 3 ) to correct the balance on an existing credit card ( XXXX XXXX ) to reflect a XXXX balance but they did not and at my third attempt they deleted the account all together. I requested a supervisor and spoke to " XXXX XXXX " from an XXXX division who said I have to now contact XXXX XXXX to have them put it back on my 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 non-monetary relief
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent my first request of my report and requested a Security Freeze to SageStream , LLC, by Certify mail # XXXX XXXX XXXX XXXX XXXX. SageStream , LLC didn't respond, taking the holidays under consideration the fact that I didn't received a response I send them a 2nd request on XX/XX/2020 by certify mail XXXX XXXX XXXX XXXX XXXX, request that was also ignored, then I proceed to make a few phone calls and left several massages in regards to my request until this day no response have been received nor the report and or a freeze on my account have occur. The dates that I called and left mssgs were XX/XX/2020 - XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a ''Premium Rewards '' from BMO on XX/XX/XXXX, a year and couple of months after after I requested an annual fee waiver on XX/XX/XXXX, they changed my card to ''Platinum Rewards ''. The new card showed up at my mailbox with a booklet explaining that I can get XXXX points by spending {$2000.00} in the first 3 months of receiving the card. I qualified for the bonus on XX/XX/XXXX ( transaction of worth {$2000.00} ), but never received the promised points.

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 2020-02-18 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: FL

Complaint narrative:
BACK IN XX/XX/2015 MY PURSE WAS STOLEN AT A CONVENIENCE STORE AND WAS NEVER RECOVERED. SO UPON CHECKING MY CREDIT REPORT I NOTICED MORE THEN ONE ITEM THAT DOES NOT BELONG TO ME AND NEVER HAS .THE FIRST REPORT I AM REFERRING TO IS MY EXPERIAN REPORT .YES I HAVE REACHED OUT TO THEM TO SEE ABOUT REMOVING THESE ITEMS FROM MY REPORT. IT SHOULD NOT BE A PROBLEM DO TO THE FACT THERE IS ALREADY A FRAUD ALERT ON MY REPORT. THE ITEMS ARE AS FOLLOWS. XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX

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 2020-02-18 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-02-18 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: FL

Complaint narrative:
I requested an investigation into errors on my credit report. I also requested the C.R.A provide documentation verifying the information on my report. No documentation was provide after multiple investigation requests.

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 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I saw an email from capitol one asking me to confirm a recent purchase so I called them. I had multiple charges. 2 on XX/XX/XXXX for XXXX XXXX XXXX XXXX for {$260.00} another at the same place for {$170.00} and one cash advance for {$300.00} listed as merchant XXXX. They reversed the chargers then they decided because my card has a chip it couldn't be considered fraud and put the charges back. I have the only card and do not shop at XXXX nor would i ever use a cash advance on a high interest credit card. I went back and fourth with customer service, their fraud department for hours and they just kept repeating the same thing about the chip. I've filed a police report and they still will not remove these charges. Oh and I never received my new card bu apparently they send it out already activated and link it to old accounts you no longer use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-18 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: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
I have gone on a 3 way phone call with XXXX, myself and Amsher Collections and Amsher Collectors refuses to remove the collection efforts and XXXX has informed Amsher Collections that I am current. I have called Amsher Collections numerous times before the 3 way phone to let them know I was current but as of XX/XX/XXXX, they are still reporting to my credit reports that I owe them {$300.00} for a prior XXXX bill which in inaccurate as like I have said, I am current with XXXX and have been making monthly payments since XX/XX/XXXX. Amsher Collections has indicated that they have sent messages to XXXX with no reply from XXXX. This is no longer my problem and Amsher Collections should honor the 3 way phone call between myself, them and XXXX. I have also reported Amsher Collections to the XXXX. I have also screenshoted you a photo of my current XXXX bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent my first request of my report and requested a Security Freeze to SageStream , LLC, by Certify mail # XXXX XXXX XXXX XXXX XXXX. SageStream , LLC didn't respond, taking the holidays under consideration the fact that I didn't received a response I send them a 2nd request on XX/XX/2020 by certify mail XXXX XXXX XXXX XXXX XXXX, request that was also ignored, then I proceed to make a few phone calls and left several massages in regards to my request until this day no response have been received nor the report and or a freeze on my account have occur. The dates that I called and left mssgs were XX/XX/2020 - XX/XX/2020 and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK
State: FL

Complaint narrative:
I had multiple identity theft incidents against me with my discover card. People who were supposed to be helping me in home were using my credit card without me knowing on multiple occasions. When I addressed the situation with discover they informed me I was not liable for the chargers due to identity theft, then they applied all the charges ( some double ) onto my account and now Im paying for it when I was not the one responsible - I still had access to my card and had no knowledge that these people were using my card or hacked my XXXX XXXX until I called to make a payment and realized my balance was ridiculously high. My new card was part of my XXXX XXXX, to which was stolen by these people who I had informed discover if there information - the fraud began at the middle-end of XXXX, I do not have an exact date. This has caused a significant problem with my credit score/ report - discover claimed they would remove all chargers that I was not liable for at all. I had informed them of all the charges that were mine inbetween the times my card was being used - I obviously had no knowledge of the other charges, had I known my card was being used I would have fixed the issue faster. They continue to post an outstanding balance that Im not liable for - Im continuing to pay them and have not been late. I requested they remove these charges and still they are showing. I know which charges in responsible for and have no problem paying my way, but it is unfair and discriminating to say Im responsible for something I know I didnt do and charges I know I didnt make. I need my credit report updated without the charges in my discover account & my discover account to be put back into good standing without issues and the credit company going based off their own agenda. It is unfair and emotionally stressful dealing with fraud and other identity theft incidences, this account and company has caused me significant mental stress and anxiety. I am XXXX and need help with this issue and resolving this account. Putting it back in positive standing, and the charges I disputed to be removed. These people who have stolen from me, on multiple accounts, are professionals, they stole my social, ID, cell phone & lots of personal files and property. I need this resolved as soon as possible, Im having problems with my credit report and score because of this and its causing me tremendous stress and problems financially within my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: Harris & Harris, Ltd.
State: TX

Complaint narrative:
This company has placed a derogatory remark on my credit. I have been paying the original creditor what I can every two weeks since I incurred the bill and have not missed any payments. I took my son to the doctor and was diagnosed with XXXX. I am not a rich person that can just drop {$1000.00} like nothing. Prices are way inflated. I have worked very hard on my credit. Seriously unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: CA

Complaint narrative:
I have contacted the company multiple times through written communication advising them this debt was open due to identity theft. I have not received any correspondence from the company since I started contacting them 5 months ago. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the contract in question for 5 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd par
ties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: CA

Complaint narrative:
I have asked for verification on several accounts that do not belong to me and they continue to come back " verified '' with absolutely no proof! If no actual evidence or original contract can be presented to me then the items MUST be deleted. 

account name : XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX  Acct # : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX  Acct # : XXXX

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 2020-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I applied online for a loan a year ago. The amount of the loan was {$2000.00}. I been paying this loan for almost a year. I pay $ XXXX  monthly. I called the company to see how much was the balance of the loan. And they told me it was {$2000.00}, i asked how come is still the same balance if its been a year and they told me all this time I only been paying interest of the loan. And I only pay {$4.00} fo the loan balance and the rest of the money goes to interest. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
This company is in violation of the FCRA Section 611 ( A ) ( 1 ) by failure to validate an alleged debt in a timely manner and or providing proof of contractual obligation. " sum owed {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-02-18 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have asked for verification on several accounts that do not belong to me and they continue to come back " verified '' with absolutely no proof! If no actual evidence or original contract can be presented to me then the items MUST be deleted. 

account name : XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX  Acct # : XXXX

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 2020-02-18 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: CA

Complaint narrative:
I have asked for verification on several accounts that do not belong to me and they continue to come back " verified '' with absolutely no proof! If no actual evidence or original contract can be presented to me then the items MUST be deleted. 

account name : XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX  Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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.

Complaint narrative:
BACK IN 2015 MY PURSE WAS STOLEN AT A CONVENIENCE STORE AND WAS NEVER RECOVERED SO UPON CHECKING MY CREDIT REPORT I NOTICED MORE THAN ONE ITEM THAT DOSE NOT BELONG TO ME AND NEVER HAS .THE REPORT I AM REFERRING TO IS MY EQUIFAX REPORT YES I HAVE TRIED REACHING OUT TO THEM WITH NO LUCK .IT SHOULD NOT BE A PROBLEM WITH REMOVING THESE ITEMS DO TO THE FACT THERE IS A FRAUD ALERT ON MY REPORT AND I WAS A VICTIM OF IDENTITY THEFT. THE ITEMS ARE AS FOLLOWS XXXX XXXX XXXX ACCT XXXX XXXX XXXX  XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX. I WOULD LIKE THESE ITEMS REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation