vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 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: TX

Complaint narrative:
One XX/XX/2020 I received a notice in the mail that Equifax had received my Certified Mail. They received a Letter of Correction request to my Equifax credit report along with a copy of the Notice of Nonsuit dismissing the referenced matter. 

I checked on the status of my dispute online and it states the following : The disputed item is not currently reporting on the Equifax credit file. Public Record : Judgment XXXX I spoke with XXXX who is a representative from Equifax today on XX/XX/2020 to inquire about the meaning of the above response from Equifax regarding my dispute. She explained that the response means that Public Record : Judgment XXXX is not currently report on my Equifax credit file. I explained to XXXX that my dispute is regarding the account XXXX XXXX not Public Record : Judgment XXXX. It clearly shows on the documents that I sent Certified Mail to Equifax that the account I am disputing in XXXX XXXX. I also included the exact format that the account shows on my Equifax Credit file. XXXX was able to confirm the discrepancy and she was able to confirm that XXXX XXXX is currently on my Equifax credit file. She also confirmed that she was able to view that documents that I sent Certified Mail. 

I asked XXXX how can this issue be resolved and she stated that the only thing that could be done is to open a new dispute case to reinvestigate the dispute. My follow up question was does that reset the dispute case date to todays date of XX/XX/2020 and she stated that was correct. My dispute was accepted on XX/XX/2020. Which means they have about 13 more days to properly confirm and complete the dispute case. According to the information that XXXX provided me they now can reinvestigate the case which would technically reset the date, which gives them 30 additional days. Again, Equifax was already confirmed they have received my documents through Certified Mail. The status of their investigation is also not updated as Completed in the system. 

By law Equifax has 30 days to send me ALL of the information stated in the letter. If they don't get it to me within 30 days they have to remove it. In addition, If Equifax sends me anything that doesn't include EVERYTHING listed in the letter then they have not met the requirement. 

As a consumer I have rights and those rights can not be ignored because Equifax has demonstrated obvious blatant ignorance of my well-documented dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was vacationing in XXXX and they had an open air market in the resort. I thought it would be nice to buy myself a souvenir. 
There was a gentleman there selling " cenote stones '' that were pretty clearly neat glass cocktail rings, and I decided to purchase one. He said it was XXXX, which I thought was pesos and I was ok with. He charged me {$640.00} dollars, which I was not ok with and decided to dispute with the card. I later found this is a pretty common scam ( XXXX XXXX XXXX ). This link is an example but you can find many stories that line up with some XXXX. 
I explained this when calling the credit card. I requested they charge back {$600.00} and bring it back in line with what I originally agreed with. I purchased an item, I'm willing to pay for it, but I'm not willing to be fleeced for the pleasure. I have rings with ACTUAL gemstones I haven't paid that much for! 
Working with BOA has been a nightmare. Every time I would call to ask a question or get clarification I would be bounced agent to agent and spend a lot of time on the phone, often around a hour with long hold times. They would often tell me I was probably going to be out of luck. 
The first time it was closed I called to get explanation and the rep said she did not understand why it was closed, felt it was closed in error and refiled it, it was immediately closed again. 
I've had to work with other credit cards on billing issues and it was usually a quick and painless process and I recoup my losses. That has NOT been the case with BOA. 
I am incredibly dissatisfied with this situation and will be closing this card out as I refuse to work with a company that doesn't stand behind it's customers.

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 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
on XX/XX/18 Portfolio Recovery placed a collection account on my credit profile for the amount of {$2000.00} which I do not owe. I did not open this account, I did not authorize this account to be opened in my name, I had no knowledge of this account. The original creditor is listed as XXXX XXXX  ( Banking ). Which I do have accounts with and all are in good standing. I tried contacting XXXX 's fraud department and they claimed to have no record of an outstanding unpaid balance under my name. The only accounts they have record of are the accounts I currently have which again, are in good standing. 
I have tried disputing this with both Portfolio Recovery over the phone which they claimed an investigation would take place and I would be mailed the results, that never happened. 
I filed a dispute with all 3 major credit bureaus and they came back as " VERIFIED AS ACCURATE '' but could provide no information how it was verified as accurate and told me to take it up with Portfolio Recovery. I have tried in good faith to resolve this issue and I find myself constantly being shifted around from one company to another trying to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lending Club Corp
State: NC

Complaint narrative:
I have been a victim of identity theft for the past several months. Ever since I first noticed it I have been getting monthly credit reports so that way I can assure no new accounts are being reported to any of the credit agencies. In XX/XX/2020 I noticed this new account. I immediately notified the company by letter that I have been a victim of identity theft and provided identification as well as my Identity Theft report. I asked the company to stop reporting this fraudulent information and to investigate the account. I asked for proof of the steps they would be taking. After 30 days I did not receive any correspondence from the company. In XX/XX/2020 I got a new report and the information was still being reported. I again sent another letter to them notifying them that the account was opened fraudulently. Again I have not heard any correspondence. Since it has been 60 days since the first communication I'm asking for assistance. I have attached both packets that I sent to the company as proof, a copy of my ssn card, a copy of my driver 's license, and a copy of my current identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: MS

Complaint narrative:
I have reviewed my credit report and found wrong, inaccurate fraudulent accounts in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have reviewed my credit report and found wrong, inaccurate fraudulent accounts in 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 explanation
Consumer complaint received 2020-04-28 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: MA

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX  XXXX XXXX  XXXX  XXXX {$600.00} US DEPT ED XXXX {$6000.00} XXXX XXXX XXXX {$330.00} COLLECTION XXXX {$7000.00} COLLECTION XXXX {$510.00} XXXX XXXX {$4500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have filed a dispute in regards to the removal of incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

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 2020-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Seattle Service Bureau, Inc
State: CA

Complaint narrative:
I have sent a certified letter along with proof ( my passport visas and entry to country ) that I was not the person who did the charge that National Services Bureau is reporting. This is a case of stolen Identity and I have requested them to remove to no avail. 
The amount is {$2900.00} The date of the XX/XX/2016 I can send a copy of my paapsot that shows I was NOT in the US when the charge occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my 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 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I received a discharge for my CH XXXX Bankruptcy on XX/XX/XXXX. Nonetheless, several credit card companies continue to show late payments or other derogatory marks against me on my credit report. It shows up and weighs down my FICO account, and is hurting the Interest Rate I'm able to receive on my home refinance. I reached out to all of these companies through XXXX 's website, but the majority of them were unwilling to correct the false information. Its so frustrating, and feels criminal! I know there's bigger problems in the world than this, but its frustrating because it seems so simple to fix, and should have been done years ago. I have included PDF 's and screen shots that show which companies are included. 

None of the follow should show any derogatory marks or late payments. Its included in the PDF 's as written ( " XXXX  - False Late Payments on Credit Report pre-bankruptcy XX/XX/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 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On the Experian report it shows the trade line State of Michigan-child support as a charge -off.It is not a charge-off.This trade line/account is paid in full and closed.It is not a charge-off

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 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On Tuesday, XX/XX/2020, I viewed my checking account because I received a notification on my phone that my account was overdrawn and it should not have been. Upon researching my account as to the reason it was overdrawn I noticed the a provisional credit was reversed and debited from my account and I was charged an overdraft fee. The previous day, Monday XX/XX/2020, I withdrew from my account {$120.00}, in two separate transactions and they cleared. Those should have been the only pending transactions in my ledger with a remaining balance of {$4.00} ( receipts attached ). Suntrust bank manipulated the order of the transactions to  warrant the overdraft fee. I cant get an overdraft fee from a withdrawal nor from a reversal of a dispute credit, they chose a transaction that had already posted to my account to make it appear the reason for the overdraft fee. I called the bank to ask them to remove the fee and I will deposit the amount of the dispute credit to get my account out of a negative balance and they refused. I called the dispute department to file a complaint against Suntrust bank for a fraudulent overdraft fee. The representative that assisted me in filing the complaint is XXXX 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 2020-04-28 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: MA

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX  XXXX XXXX  XXXX  XXXX {$600.00} US DEPT ED XXXX {$6000.00} XXXX XXXX XXXX {$330.00} COLLECTION XXXX {$7000.00} COLLECTION XXXX {$510.00} XXXX  XXXX {$4500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-04-28 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX XXXX XXXX {$600.00} US DEPT ED XXXX {$6000.00} XXXX XXXX  XXXX {$330.00} COLLECTION XXXX {$7000.00} COLLECTION XXXX {$510.00} XXXX XXXX {$4500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-04-28 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: CITIBANK, N.A.
State: WA

Complaint narrative:
XX/XX/XXXX - {$1800.00} purchase from Vendor XXXX - A custom railing manufacture XX/XX/XXXX through XX/XX/XXXX - Drawings are provided, measurements taken XX/XX/XXXX - Railing arrives it is 12 '' taller than specified in the drawings - 49.5inches tall XX/XX/XXXX - An additional {$1000.00} is paid ( balance remains {$850.00} ) to aid in the repairs. 
XX/XX/XXXX - Railing is taken back to vendor who makes adjustments XX/XX/XXXX - Railing goes to powder coat facility, they refuse to powder because the railing is ruined - all warped due to heat from the welding according to the vendor. Vendor and I have a dialog and the vendor expects me to take a damaged railing that was so bad his own vendor XXXX the powder facility ) contacted me directly about it. Vendor refuses to do anything. 

I have now paid {$2800.00} and received no goods or service. I do not have possession of the railing and Citi will not speak to me regarding the situation. I have called on XX/XX/XXXX, XXXX, XXXX, XXXX some times multiple times on the same day. I wait on hold for 60 minutes and the recording gives me a bunch of XXXX and hangs up on me. They clearly have not read my document, will not speak and stole my money!

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 2020-04-28 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: AL

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX   XXXX  XXXX {$360.00} XXXX  XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )  I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my 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