vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In summary, I filed a dispute for {$300.00} of a {$750.00} transaction that I thought was used on this card. However, when Bank of America set me the evidence of the charge, it is immediately obvious that this is fraud. After receiving the evidence provided, my claim is for the full {$750.00}, which was supposed to be only {$7.00}. 
I called the XXXX XXXX and was told to fax in my statement, which I did on XX/XX/2020. The delay was due to the Postal Service not handling the letter properly resulting in it's delivery on XX/XX/2020. The postmark on the envelope was XX/XX/2020 for a letter generated on XX/XX/2020. 
Despite statements by Bank of America, the letter was never uploaded to my claim center, which would have allowed me to respond quicker ; but they never uploaded the letter from XX/XX/2020. Bank of America sat on the claim for 2 weeks before forwarding to the merchant and never contacted me, instead relying on the Postal Service in a time that the country is going through a pandemic of epic proportions. 
In 4 subsequent calls, I have been advised that I basically was out of time due to Federal Regulations ; however Federal Regulations I was referred to showed that the process must be completed by or before 90 days, which would have been XX/XX/2020. They denied my review on XX/XX/2020. 
This is clear fraud and Bank of America is choosing to be a part of perpetuating the fraud and not protect my resources. 
I have demanded to speak to a person they refer to as " they '' to discuss, as the people answering the phone are merely data entry clerks. I have been denied the opportunity to speak to " they. '' The merchant has failed to prove it was me that signed that receipt and does not provide the evidence sufficient to correlate their defense in the letter. I have contacted the merchant again since XX/XX/2020, they referred me back to Bank of America also indicating that Bank of America should have never sent me their response and just denied the claim. Bank of America 's refusal to adequately review the claim, my letter and support a customer shows their willingness to participate in this fraudulent activity.

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 2020-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My Name is XXXX XXXX Todays Date is XXXX XXXX And Im The Only One Involved in this CFPB complaint and FTC Report Number Is XXXX TransUnion Block Me From Viewing My Report Online, I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called TransUnion Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With TransUnion..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX  XXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX XXXX ) ) XXXX XXXX XX/XX/XXXX I Even Called TransUnion Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way TransUnion Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report XXXX XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days

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 2020-05-22 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: AR

Complaint narrative:
My identity theft report # XXXX including some accounts that for some reason are still reporting on my credit file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX. Over 30 days I sent a dispute and I've yet to receive any accurate proof of obligation that these accounts belonged or were established by me. I also requested for several addresses to be removed where I never resided but they still remain on my credit file. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX . It seems that my request has been ignored or avoided. There also multiple misspelled or inaccurate names or aliases still showing on my credit after I specifically requested there removal. All of the dates for the date opened are not the same and are conflicting as well. That being said under the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act my consumer rights are being violated per section 605b, 609, 611, and 623. Due to these accounts being opened fraudulent and the several inaccuracies including the 30 day failure to verify accurate information these accounts must be removed in accordance to the law.

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 2020-05-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This bank is very unreliable and has poor customer service and awful unprofessional staff I guess they was never trained not to argue with the customers since the customers always right customer service 101, unfortunately for this bank this customer is highly connected in the legal field and won't tolerate it. 

On XX/XX/XXXX i was charged once again by the merchant XXXX for {$20.00} after I told Santander to do a stop pay and I told the merchant the same thing both parties agreed because I don't use this account until time to pay bills because I cant take a direct deposit off of it, I noticed there was not one but 2 over draft fees for {$35.00} which I refuse to pay now messing my daughters money up. This isn't the first time approaching the bank about this charge when I called XX/XX/2020 the rep was very inappropriate and tried to tell me that I never called about the matter which frustrated me and now I am reporting the company to CFPB

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 2020-05-22 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: TN

Complaint narrative:
SOME HOW THESE ACCOUNTS WAS OPEN IN MY NAME WHEN IT WAS TO BE OPEN IN MY SON NAME WE SHARE THE SAME NAME HE IS A XXXX AND I AM A XXXX  I WISH TO HAVE THESE ACCOUNT REMOVE ASAP BECAUSE IT IS NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
SOME HOW THESE ACCOUNTS WAS OPEN IN MY NAME WHEN IT WAS TO BE OPEN IN MY SON NAME WE SHARE THE SAME NAME HE IS A XXXX AND I AM A XXXX  I WISH TO HAVE THESE ACCOUNT REMOVE ASAP BECAUSE IT IS NOT ME.

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried numerous times to get a free annual credit report from Equifax and XXXX, the prompts are telling me that my info can not be found in their database when I just unfroze my credit with Equifax with no probs the last couple years untold XXXX XXXX. The last time this issue came up is when someone was using my personal info to obtain credit and I became a victim of identity theft in XXXX and my credit was wiped clean my credit score fell from the upper 700s to 300s in no time, I again found bogus accounts on my credit reports ( XXXX ) ( XXXX ) That I had XXXX dispute for me and took off in XXXX, Im just now getting my credit back and now I suspect its happening again I had a initial fraud And credit froze at all 3 bureaus and now they re telling me my info isnt in database and I have to mail proof of my identity to XXXX and Equifax, I haa as d no prob with XXXX. I Am allowed my free 3 annual credit reports and I cant get to my info and it was fine last XX/XX/XXXX. I got a loan to get my car. Now Im having issues to unfreeze my credit at Equifax on Monday XXXX XXXX for a much needed loan. I am so fed up with this, you all had just got XXXX   to unlock my info so I could get to it, I couldnt get to it for 6 years until you all got in touch with them last year. Now its starting again. I want this XXXX XXXX resolved please and for them to stop letting other people view my credit I take it, I am a victim of I am a victim of identity theft and have the documents to back this up since XXXX. My ssn # was compromised and used to file numerous tax form 1040 and the IRS caughgg Th it because I dont have a tax filing status and I am having trouble with my local Social Security Administration in XXXX NC, they will not issue me a new number, my ssn # is out there and the person or persons keep doing this when they get angry at me for whatever, a detective told me it is a revenge act that was done to me we have our suspects but not been able to prove it, my ex husbands family we suspect, but I know my current ssn # will always be tagged to me but at least maybe they wont steal the new number if I was issued a new one. The only way I know this matter will be solved permanently, thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 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: TN

Complaint narrative:
i have ask all three credit companys to remove these accounts off my profile as it is not a clear picture of who i am i have never lived in the state of MS and i see many of these accounts listed in that state they have not removed them yet after two attempts of reaching out in the form of letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-22 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX SERVICERS ON STUDENT LOAN THE 1ST DELINQUECY WAS XX/XX/2009 AND THE S.O.L. ON STUDENT LOANS IS 10 YEARS FROM 1ST LATE PAYMENT. ON XX/XX/XXXX I paid to delete {$2200.00}, original balance was XXXX. LASTPAYMENT MISSING AS WELL AS BALNCE SB XXXX, INVALID 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 2020-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I, have written this letter to dispute a claim that is falsely listed on my credit report. 

Party Owed : midland credit management Amount : {$8800.00} I am disputing this claim as I never had an account with XXXX  for this amount nor was I made aware I have received no notifications and when I attempt to do the responsible thing and contact I get no response. This is my official request to have the aforementioned item to be deleted off my credit report as again it is not mine, and can not be proven that it is mine. I did not open any XXXX  card in XX/XX/2019 for {$8800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Management Services, LP
State: CA

Complaint narrative:
In XX/XX/2020 I informed XXXX XXXX, XXXX that our account with XXXX  XXXX XXXX ending in XXXX XXXX for {$1700.00} was assigned to XXXX XXXX XXXX ( a credit card payment consolidation company ). 

We informed XXXX about the situation and accepted to include the bill to our credit card consolidation file. Today we received another bill from XXXX dated XXXX. 

We want XXXX to stop harassing us regarding this bill. You may contact us at our home phone XXXX if you need more details. Thank you. 

The XXXX 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 2020-05-22 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 — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
My identity theft report # XXXX including some accounts that for some reason are still reporting on my credit file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX. Over 30 days I sent a dispute and I've yet to receive any accurate proof of obligation that these accounts belonged or were established by me. I also requested for several addresses to be removed where I never resided but they still remain on my credit file. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX XXXX . It seems that my request has been ignored or avoided. There also multiple misspelled or inaccurate names or aliases still showing on my credit after I specifically requested there removal. All of the dates for the date opened are not the same and are conflicting as well. That being said under the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act my consumer rights are being violated per section 605b, 609, 611, and 623. Due to these accounts being opened fraudulent and the several inaccuracies including the 30 day failure to verify accurate information these accounts must be removed in accordance to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
i have ask all three credit companys to remove these accounts off my profile as it is not a clear picture of who i am i have never lived in the state of MS and i see many of these accounts listed in that state they have not removed them yet after two attempts of reaching out in the form of letters.

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 2020-05-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
i have ask all three credit companys to remove these accounts off my profile as it is not a clear picture of who i am i have never lived in the state of MS and i see many of these accounts listed in that state they have not removed them yet after two attempts of reaching out in the form of letters.

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 2020-05-22 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: CCS Financial Services, Inc.
State: AR

Complaint narrative:
My identity theft report # XXXX including some accounts that for some reason are still reporting on my credit file. XXXX XXXX, XXXX XXXX, Credit Collection Service, XXXX, and XXXX XXXX. Over 30 days I sent a dispute and I've yet to receive any accurate proof of obligation that these accounts belonged or were established by me. I also requested for several addresses to be removed where I never resided but they still remain on my credit file. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX It seems that my request has been ignored or avoided. There also multiple misspelled or inaccurate names or aliases still showing on my credit after I specifically requested there removal. All of the dates for the date opened are not the same and are conflicting as well. That being said under the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act my consumer rights are being violated per section 605b, 609, 611, and 623. Due to these accounts being opened fraudulent and the several inaccuracies including the 30 day failure to verify accurate information these accounts must be removed in accordance to the law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation