vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 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: ProCollect, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... PRO COLLECT ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-04-28 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: MS

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Freedom Mortgage Company
State: GA

Complaint narrative:
XXXX and XX/XX/2019 payments were reported late, but they were not. 
Disputed actions several times, and I have not heard anything back from them or the 3 credit bureaus.

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 2021-04-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a water heater for my second home from XXXX XXXX in XXXX, XXXX. The store had a maximum authorization limit on foreign credit cards, therefore first they took a deposit of XXXX XXXX on XX/XX/XXXX, than on delivery date of XX/XX/XXXX the balance of XXXX XXXX the total of XXXX XXXX which was the full price of the water heater. EXHIBIT A The heater was installed on the XXXX and due to an internal gas leak, it burned down at XXXX at night causing heavy damages to my home. EXHIBIT B. I had filed the proper claims with the Chase Credit LLC and their subcontractor XXXX a bogus or XXXX AND XXXX XXXX. To this date, the XXXX claim HAD NEVER BEEN SETTLED, therefore I am requesting the complete resolution of the matter which amounts to the XXXX XXXX in XXXX {$400.00} and the same interset charge what the contract states, 29.88 % in XXXX {$120.00} for deliberate disregard of contracts and the statuts of settling a claim in California. Incidentally, the damage to the building was estimated at {$27000.00} XXXX and having been reconstructed!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28 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: Go Capital Holdings, LLC
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-04-28 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: GA

Complaint narrative:
I have been in contact with the company about things on my report I don't recognize. The insist that the items in question are mine without providing proof, which is my rights to have based on fcra rules.

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 2021-04-28 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: GA

Complaint narrative:
I have been in contact with the company about things on my report I don't recognize. The insist that the items in question are mine without providing proof, which is my rights to have based on fcra rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to send another letter to each of them, demanding they delete the inquiries that I did not authorize. This occurred again on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emmett L. Goodman, Jr., LLC
State: GA

Complaint narrative:
I received a letter from Emmitt L. Goodman , Jr., LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX dated XX/XX/2021 stating that I owed this debt. The amount of debt is for XXXXThe company purchase was listed is The XXXX XXXX XXXX, XXXX XXXX XXXX Creditor. I have never had credit with these companies. I informed them by phone and in writing this was not my debt, never purchased anything on credit from this company. They sent me another package containing the original debt and company info, name of debtor, address of debtor, and amount. I have never resided at this address, never bought anything from this company on credit. I tried contacting them by phone, also called an attorney. They never returned second phone call, which leads me to believe they are proceeding against me with collection for a debt that is not mine. This can destroy my credit, which I worked hard to establish. I pay my bills and would pay this one if it were mine. I know that's how these companies operate, they just want you to pay the bill even if it is not yours. I am retired, a XXXX veteran, and senior citizen and I feel I'm being targeted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to send another letter to each of them, demanding they delete the inquiries that I did not authorize. This occurred again on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: NY

Complaint narrative:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to send another letter to each of them, demanding they delete the inquiries that I did not authorize. This occurred again on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-04-28 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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a coupon and a Credit in XXXX and I have been trying to use it, but it is not available in my account on XXXX. I decided to call several times and waited a few times for an hour or more. I finally could get a call back from XXXX and the Representative said that they would give me a Refund, but 3 minutes later he refused to apply for the credit of {$370.00} USD. to my existing fly or book a new flight. I asked for a manager and he refused to transfer me, instead he hung up and never called back. XXXX is keeping my {$370.00} USD and has not paid me back or let me use the credit for a flight. I bought two flights with XXXX in which I could have used my credit, but they refused to make my credit and points to recently book two flights. I need the {$370.00} USD money to my credit card. As we all know if the credit expires, they are able to keep the clients money. I have a total of XXXX Qualifying Nights earned on your card : 6 night ( s ). It has been a few years since I tried to claim the XXXX nights and they did not grant it. 


Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I just received derogatory mark on my Credit report. I was never mailed any invoice from Debtor. The Debtor may not have had my address on file and sent to an older address. I have been divorced and remarried for nearly 5 yrs now. This is the second time this has happened to me. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone is using my information to apply for lines of credit, home loans and car loans, it is bringing down my credit score and becoming harder for me to build credit. I do not believe i should be punished for these unauthorized applications.

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 2021-04-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX has done this before and it is still on my credit report after telling them several times now they are charging me late charges and reporting me late i need them to correct any late credit reporting as i never was late one was from a dispute and i was waiting until they invesigated so they said they would correct both. of them and neither of them have been fixed even after several phone calls

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 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: MN

Complaint narrative:
Hi. I am in day 29 of waiting for a resolution from Binance.us ( BAM Trading Services, Inc. ). They are currently holding over {$12000.00} Busd of mine ( stable coin linked to the US dollar ) in a wallet they own instead of my wallet on their exchange. I provided all relevant TX ids and proof of success to their CS department. They issued a service ticket number XXXX. After email every day and finally getting their XXXX  account to escalate the issue they responded and said for a fee of XXXX ( bitcoin ) they would extract my money and return it. 
That was over 2 weeks ago and nothing has been done. I email daily and after initially assuring me that they were working on it, I have stopped getting responses. I read other accounts of this happening and people being 90 days into their service ticket with no resolution. I just want my money back. I have all correspondence as well as traction info if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I talked to customer service on XX/XX/2021 to pay off my account and close my card. The card has been closed and the balance is {$0.00} after i made {$87.00}. However, Citi bank still charge me interest and adding {$35.00} late fees on XX/XX/2021 ( One day after i made the payment ) and another {$35.00} late fees on XX/XX/2021. This company is a scam. Citi bank should credit back all the in-reasonable charge to my account and bring it back to {$0.00} since i already closed my card. 

I have been working with XXXX account manager XXXX XXXX XXXXXXXX

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 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Got a buyer for my furniture from the XXXX XXXX. The gave me their phone number to co-ordinate the purchase ph : XXXX XXXX XXXX. The check they sent me was substantially higher than the the amount agreed on the furniture and they said their assistant made a mistake. After the check appeared to be deposited, they claimed that their movers needed the remaining payment and asked me to XXXX the movers the extra amount ( {$2000.00} ) amount so they could have the furniture picked up. As soon as I did so, their bank account was closed and the check bounced ( {$2400.00} ). Their phone number is also deactivated. 
XXXX info : name : XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
Midstate Collection Solutions keeps trying to call me on medical debt not owed by me. This debt is for an alleged XXXX XXXX who I have no affiliation with and it is regarding medical debt from XXXX XXXX XXXX XXXX ( XXXX ). I learned from XXXX that Midstate Collection Solutions is the only collection agency that still has my cell phone has active in their system in regards to this alleged debt. 

I sent XXXX a letter and followed up with an e-mail. I learned form XXXX that they also sent my letter to Midstate Collection Solutions. I followed with XXXX via e-mail and called Midstate Collection Solutions twice regarding their response to my attached letter and still have not heard from either of them. See attached letter for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX and XX/XX/2019 payments were reported late, but they were not. 
Disputed actions several times, and I have not heard anything back from them or the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
XXXX and XX/XX/2019 payments were reported late, but they were not. 
Disputed actions several times, and I have not heard anything back from them or the 3 credit bureaus.

Company response to consumer: Closed with explanation