vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: LA

Complaint narrative:
XX/XX/XXXX bill XXXX XXXX Comenity Bank Charge {$19.00} Do not receive paper statements. I opened a XXXX account several months prior to receiving this bill and at that time I cut my XXXX XXXX credit card in half and mailed it to Comenity Bank requesting my account be closed. Apparently, this never happened. When I received this bill, I sent an email to Comenity bank explaining that I did not authorize this purchase and in fact had closed my account by returning my credit card to them. A month later I received a letter from them saying that the charge was indeed mine as it was for a recurring rewards program that I needed to cancel or it would continue to be billed each year. Also, they claimed they had not received anything from me requesting my account be closed. I immediately called the bank and requested that they close my account. Next, I contacted XXXX XXXX and they claimed it was for my XXXX membership. They agreed to give me a partial refund. So, I called Comenity back and told them that XXXX XXXX issued a credit. In the meantime, my bill had soared from {$19.00} to {$87.00} and the bank said that XXXX XXXX had issued a credit in-house and not to the bank. I offered to pay the {$19.00} which was the original amount, but they said they can not accept anything but the full amount because they can not negotiate a payment on a closed account. I refused to pay anything more than the original amount since I 'd been trying to get this resolved from the beginning and asked to speak with a supervisor. That request was denied. Since that time, the bank has phoned me 5 times a day between XXXX XXXX and XXXX XXXX. Someone finally told me they could accept {$25.00} to settle this dispute. I made that payment on XXXX/17. The woman lied to me because they are still sending me bills that I can not even log into because I no longer have an account! At the time of this dispute, my credit score of over XXXX existed for over 30 years. Now it is in the mid XXXX XXXX Can you help me settle this dispute and restore my good credit score?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
Since XXXX XXXX, 2017, I have been disputing a fraudulent account on my credit report with Central Financial Control ( a.k.a. Syndicated Office Systems ). Syndicated Office Systems continues to ignore my correspondence and instead states the account is in there " Disputes Department '' the same response I have received for the last 3 months. The Customer Service department refuses to transfer me to speak to them directly and instead states that I must send all correspondence via US mail which I have on several occasions. Today I have sent over 6 letters only to receive a computer generated response stating they are unable to clearly read my Drivers License ; this is incorrect I have sent clear copies of my drivers license on several occasions. I have a police report on file regarding this account and have also filled out a Identity Theft Report with the Federal Trade Commission. All documents have been sent via certified mail and fax on several occasions. Syndicated Office Systems is illegally reporting this account on my credit file and is doing everything they can to avoid removing the account. This is illegal! I will attached all copies here as verification of what was sent to Sydicated Office Systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
My Barclay credit card was used to make a fraudulent purchase at a XXXX XXXX store on XX/XX/XXXX. The charge was {$890.00} at the store in XXXX, MI. I live in Ohio, I was at work at the time and received a fraud alert. I immediately called Barclaycard and reported the fraud. I have since called them dozens of times to resolve the issue. The charge is currently still on my account accruing interest and fees. Barclaycard insisted I contact XXXX XXXX and file a police report. I have done both. XXXX XXXX was no help whatsoever.

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 2017-07-21 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: KY

Complaint narrative:
Several unauthorized inquiries are being reported on my Credit Reports from XXXX XXXX. I have been had written communication with them regarding this violation and nothing is done except to continue to request more of my personal information. This is unacceptable to me has the company has my information and has run my report to my knowledge on XX/XX/XXXX and on XX/XX/XXXX. I also received correspondence stated they attempted and inquiry on XX/XX/XXXX. This was done once I already placed a security freeze. I want these items removed from all reporting agencies.

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 2017-07-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have mailed correspondence to Experian in XXXX and XXXX to dispute inaccurate information on my credit report without success. Experian has not responded to either correspondence and I attempted to submit a dispute via online but the site is so confusing to navigate. I have credit monitoring and Experian is still reporting inaccurate negative information and will not remove it. It is affecting my credit score.

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 2017-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX XXXX to withdraw XXXX $ I got a receipt that said invalid entry please try again. No money dispensed so I thought I would try for XXXX $ thinking it 's the hoilday maybe the time machine is low on money. I get a receipt that says please contact your merchant. I thought I would go try another XXXX XXXX time machine. I pulled over and checked my account from my mobile app and the XXXX $ dollors was deducter from my account and the transaction shows completed. I am using an American express prepaid card that was issued from XXXX XXXX tax service 2 years ago and I have direct deposit from my employer. I called customer service and filed an disbuet. They said someone will contact me within three business days by email. They also wanted me to send a written request to a fax number. I did that aling with receipts from the transaction. There policy says it can take 10 days to receive a temporary credit and 45 days for a compleate investigation. I went to XXXX XXXX office located in XXXX and was told they would check there records and call me back. They called to say they were balanced so the card holder has to be overby XXXX . They concluded they investigation on XX/XX/XXXX and the email said that they were informed that the money was dispensed from the merchant. I filed a dispute with American express.I then took that e mail back to the corporate office and was told that this was not true. The North shore rep from the electronic department And I had a conference call with.American express and was told that they are not able to connect us to the dispute team, they only contact was email and were not able to provide that information either. Well since I had a fax and email from them we then faced a written letter from XXXX XXXX rep, there star transaction showing all transaction and the amounts aking with my transaction showing no funds were dispensed. I am currently waiting to see the outcome and hopefully a credit for XXXX $ Only contact information I have is this email that they are asking me to fax to XXXX and a fax of XXXX XXXX XXXX XXXX XXXX rep were very kind and are willing to get video footage if they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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: CA

Complaint narrative:
We were contacted by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX about unusual activity on " my '' accounts - I never created any accounts. We are now in the process of attempting to work through identity theft. In so doing, upon asking for our credit reports, we found many we NEVER requested or approved : XXXX XXXX XXXX XXXX Trying to contact such entities is 'difficult '. In the latter part of XX/XX/XXXX Credit cards were secured by whoever stole my identity and a balance transfer was in process for {$6200.00}. Thankfully, the security person at XXXX XXXX felt something was wrong and contacted me through my wife 's cell phone number. On XX/XX/XXXX a home loan mortgage was applied for, we do not know where. We found this out by a solicitor mailing us an offer of a loan, beginning with something like " you applied for a home mortgage on XX/XX/XXXX ... '' We do not know how to find out where this application was made. XXXX ( XXXX XXXX XXXX, XXXX ) is the solicitor, we are in the process of formally contacting them in an attempt to find out how they know about the mortgage application and who the application is with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We were contacted by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX about unusual activity on " my '' accounts - I never created any accounts. We are now in the process of attempting to work through identity theft. In so doing, upon asking for our credit reports, we found many we NEVER requested or approved : XXXX XXXX XXXX XXXX Trying to contact such entities is 'difficult '. In the latter part of XX/XX/XXXX Credit cards were secured by whoever stole my identity and a balance transfer was in process for {$6200.00}. Thankfully, the security person at XXXX XXXX felt something was wrong and contacted me through my wife 's cell phone number. On XX/XX/XXXX a home loan mortgage was applied for, we do not know where. We found this out by a solicitor mailing us an offer of a loan, beginning with something like " you applied for a home mortgage on XX/XX/XXXX ... '' We do not know how to find out where this application was made. XXXX ( XXXX XXXX XXXX, XXXX ) is the solicitor, we are in the process of formally contacting them in an attempt to find out how they know about the mortgage application and who the application is with.

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 2017-07-21 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:
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX? I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to equifax, XXXX, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, eqifax, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: MI

Complaint narrative:
I have been contacted by Franklin collections Agency, I have tried to work this debt that belongs to a family member out with them, but they refuse to comply back. I have sent validations letters, cease to delete letter and a pay and deletion letter still no answer back from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
My account with AD ASTRA RECOVERY SERVICES, INC. was paid in full. ( Please see attached letter ). The loan was XXXX {$400.00}. It is now in collections on XXXX XXXX, XXXX and XXXX. I called the 3 credit bureaus to have them to remove it, but the representative told me that I need to provide them a letter from the creditor showing that it should be removed or deleted from collections and not showing paid in full on the letter. I would like help of removing it from collections on all credit reports a.s.a.p. Thanks You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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: FL

Complaint narrative:
My credit Report from Experian is showing my XXXX XXXX Credit Card account back on XXXX of 2013. I have submitted several disputes to Experian and they answer account was verified and remains unchanged like saying no update necessary. So i decided to dispute the error directly with the Creditor and when they respond me back all they say is that they can not verify any information over 24 months back. So my question is this. If the Original Creditor can not verify that information how is it possible that Experian verify it and then send me the respond of my dispute saying that no update is necessary because the account was verified. That is unacceptable for either parties.

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 2017-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and found a debt in the amount of {$990.00} that is being reported by a collection agency by the name of AR Resources..this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
I have repeatedly attempted to dispute a debt that is currently being reported by credit prt Associates in the amount of {$370.00} ... This is not my 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 2017-07-21 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: KY

Complaint narrative:
Several unauthorized inquiries are being reported on my Credit Reports from XXXX XXXX. I have been had written communication with them regarding this violation and nothing is done except to continue to request more of my personal information. This is unacceptable to me has the company has my information and has run my report to my knowledge onXX/XX/XXXX and on XX/XX/XXXX. I also received correspondence stated they attempted and inquiry on XX/XX/XXXX. This was done once I already placed a security freeze. I want these items removed from all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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: KY

Complaint narrative:
Several unauthorized inquiries are being reported on my Credit Reports from XXXX XXXX. I have been had written communication with them regarding this violation and nothing is done except to continue to request more of my personal information. This is unacceptable to me has the company has my information and has run my report to my knowledge on XX/XX/XXXX and on XX/XX/XXXX. I also received correspondence stated they attempted and inquiry on XX/XX/XXXX. This was done once I already placed a security freeze. I want these items removed from all reporting agencies.

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 2017-07-21 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: NY

Complaint narrative:
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX? I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, XXXX, and transuion. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, XXXX, and transuion. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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: NY

Complaint narrative:
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX? I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, experian, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by experian, XXXX, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents

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 2017-07-21 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: AL

Complaint narrative:
I have been in the process if trying to buy a car. Once I was denied I pulled my credit report. Upon pulling my report I saw numerous accounts that did not belong to me. I was amazed and very saddened that the credit reporting angencies were able to report false information. I have tried and tried to resolve these issues with no good results! Please help! This has been an awful experience and no American citizen should have to go through it! The accounts on my report are XXXX XXXX XXXX ( Which reports twice! ) I have no knowledge if this debt! XXXX XXXX, I have no knowledge of this debt! XXXX/XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX. I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX ( which reports twice ) I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! There are several unauthorized inquiries that are in authorized! They are XXXX XXXX XXXX XXXX, ( unauthorized ) XXXX XXXX, which reports twice ( unauthorized ) and XXXX XXXX ( unauthorized ).

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