vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 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: NC

Complaint narrative:
Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: NC

Complaint narrative:
Dear Experian/XX/XX/XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts :

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 2020-10-08 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: National Credit Adjusters, LLC
State: NC

Complaint narrative:
A collection item recently appeared on my credit report The collection account is reporting in error. 
1 ) The collection company is National Credit Adjust the original creditor is XX/XX/XXXXthe first problem is I have never been contacted via phone or mail from the collections company, I have never sign any contract or received service from National Credit Adjust company 2 ) The original creditor XXXX appears on credit report showing same account number and listed as discharged in bankruptcy The problem is the collection company CAN NOT collect without a Contract or agreement CAN NOT collect on a discharged bankruptcy item Also the credit bureau cant not reference both accounts same account number with two different companies attempting to collect discharged debt Im requesting both validation of debt showing my signature, address and consent to service Proof that the collection company is licensed in my state Proof that services were provided to me with my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2017 I purchase aTV from XXXX. Eighteen consecutive payments were made through XXXX  XXXX XXXX Bill Pay for a total amount of purchase plus {$100.00} an overpayment. I kept getting chargebacks, late fees and lately no payment notices. I contacted the bank ( XXXX whom in turn contacted CITI bank and they promised issue would be solved. It didn't. XX/XX/XXXXXXXX XXXX sent notice that payments had been made to no avail. I sent a letter to CITI Bank with full disclosure of payments from XX/XX/XXXXXXXX XXXX. It was ignored. XX/XX/XXXX XXXX on my request contacted CITI bank, again, no results. I haven't been able to contact a physical person from CITI Bank to help me. I have all documentation from XX/XX/XXXXXXXX XXXX showing all pertinent data, no answer. I keep receiving notices of nonpayment at which point I need help.

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 2020-10-08 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: DISCOVER BANK
State: MD

Complaint narrative:
I paid for parts and labor to replace my air compressor in my HVAC system. It turns out that the man who wrote the invoice and owns the company only has an apprentice license in the state of a Maryland. By law in Maryland, he is not permitted to do this. He installed the compressor by himself, I have a witness statement to that affect. This is also against the law in Maryland. I have turned him into the Maryland Department of Labor. I took him to civil court and lost my case because I did trot have my witness who examined his work. The judge told me it was irrelevant in civil court that he broke the law because I was suing for my money to be reimbursed. 
I sent 72 pages of documents to Discover and they have done nothing. This man entered into evidence the contract between us and his fathers master restricted license in HVAC repairs and installation. His father was never on my property but the man who installed it admitted that he installed the air compressor himself. He stated that his father was his overseer, but under Maryland Law, the apprentice May NOT do any work without a Master on the job site. So this man entered into a contract with me, against the law, installed the compressor himself without ANY supervision, and Discover still has the charge on my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: MD

Complaint narrative:
I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus. I have included my change of address card along with my md state ID .This is the 3rd time I have had to identify mysef and your system eoscar continues to give me a generalized response stating it can not identify 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 2020-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I called to reach a negotiation from ASSETCARE Debt Collector and asked for a confirmation. The agent was very rude over the phone and asked me to be quiet while she talked. And while I tried to explain myself, she hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A collection item recently appeared on my credit report The collection account is reporting in error.

1 ) The collection company is XXXX XXXX XXXX the original creditor is XXXX XXXX XXXX  the first problem is I have never been contacted via phone or mail from the collections company, I have never sign any contract or received service from XXXX XXXX XXXX company 2 ) The original creditor XXXX appears on credit report showing same account number and listed as discharged in bankruptcy The problem is the collection company CAN NOT collect without a Contract or agreement CAN NOT collect on a discharged bankruptcy item Also the credit bureau cant not reference both accounts same account number with two different companies attempting to collect discharged debt Im requesting both  validation of debt showing my signature, address and consent to service Proof that the collection company is licensed in my state Proof that services were provided to me with my consent

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 2020-10-08 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: NC

Complaint narrative:
A collection item recently appeared on my credit report The collection account is reporting in error.

1 ) The collection company is XXXX XXXX XXXX the original creditor is XXXX XXXX XXXX  the first problem is I have never been contacted via phone or mail from the collections company, I have never sign any contract or received service from XXXX XXXX XXXX company 2 )  The original creditor XXXX appears on credit report showing same account number and listed as discharged in bankruptcy The problem is the collection company CAN NOT collect without a Contract or agreement CAN NOT collect on a discharged bankruptcy item Also the credit bureau cant not reference both accounts same account number with two different companies attempting to collect discharged debt Im  requesting both validation of debt showing my signature, address and consent to service Proof that the collection company is licensed in my state Proof that services were provided to me with my consent

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 2020-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: PA

Complaint narrative:
1. Received collection letter from ProCollect on XX/XX/XXXX. 
2. Did not recognize original creditor ( apt I had never lived in ). 
3. Submitted debt validation letter on XXXX to ProCollect via certified mail 4.  Received debt validation lease contract on XX/XX/XXXX with information that showed debt did not belong to me ( DoB, address of residence is not mine ).

5. Sent letter to ProCollect pointing out that the debt was not mine, with driver 's license as proof showing it was not mine.

6. ProCollect filed the collection against my credit accounts anyways, despite the evidence I provided, in attempt to coerce payment.

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 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I r

equested a few weeks ago to close my checking account with Chase Bank, because the account has the wrong name on it, and they weren't satisfied with the documents I provided them to demonstrate my correct legal name. I requested at that time that they mail a check to my *legal* name as shown in the court order I provided, since I won't be able to deposit a check if it's not to my correct name. They put the account in pending status, and then told me that they couldn't mail a check to my legal name. At that point, I asked them to instead let me transfer the funds on my own to a linked bank account, since they weren't able to provide the check with the correct name on it, and I wouldn't be able to deposit a check with an incorrect name. They are now refusing to send a check in my legal name and
refusing to transfer the funds to my linked bank or let me transfer those funds, making it impossible for me to get my money out of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I mistakingly deposited 3 business checks into my personal account on XX/XX/20 at XXXX XXXX. I contacted Bank of America and was told by the phone rep that it would be reversed in 24 hours. I called again on XX/XX/20 at XXXX and XXXX XXXX.when the deposits were not reversed and spoke with a manager who apologized and said the phone rep had made an error and that it would take 7 days for the reversal. I  called again on XXXX at XXXX XXXX. because the reversal still had not occurred and spoke a number of incompetent people -finally I spoke with XXXX who created 3 case numbers XXXX, XXXX, and XXXX. He said the reversal would occur in 72 hours. I called again on XXXX at XXXX XXXX. because the reversal still has not occurred and spoke with XXXX who after a whole run around -because every-time I call, there is never any record of my previous calls, said that the cases had been closed/resolved. He later admitted that they denied the transfer. So Bank of America is cashing checks that are not written to depositors and they lying to depositors about reversals, and they are not keeping any records on depositor requests or complaints and for good measure they lie to depositors about who is and isn't a manager. Please post my complaint so that the public can know how they will be treated at this bank.

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 2020-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I sold something using the XXXX website and the buyer purchased the item for me through PayPal which we both have an account. PayPal requires you to upload tracking number and funds are normally available unless they determine them to be held period in this situation because a tracking number was uploaded my phone should have been available one day after the item was delivered. The item was delivered  on XX/XX/XXXX which is shown on the PayPal website. I have tried to contact PayPal numerous times including today in which I am still am receiving excuses on why the funds are not available. I have asked them to immediately make the funds available to me and yet they continue to provide excuses. I am asking for the funds to be available and to be provided compensation for damages and time spent on trying to receive my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I purchased a vehicle with a loan from Santander. In XX/XX/2017, my car was totaled. My insurance paid the amount that my car was valued. I submitted everything needed for my GAP insurance to cover the rest. My GAP insurance sent the payment to the dealership I bought my new car from instead of Santander. Once I found that out, I had the dealership cut a check to Santander for the remainder. Santander took 4 months to close out my account after they got the remainder of the load payment. Santander now has 5 charge offs on my credit report for payments that were late even though it was out of my control because of the wreck and GAP insurance company. I have tried contacting Santander but because I no longer have an account with them I can not get in contact with anyone. I filed disputes on all credit bureaus but nothing has changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: MA

Complaint narrative:
Good Morning ; Hi, i actually just finished talking to XXXX at General Revenue Corporation, a debt collector for XXXX XXXX XXXX. They said that they no longer have the debt and they are in the process of removing them from my credit report. She said that by now their company GRC should've already been DELETED from my credit report. However, it's still reporting on my 2 major credit bureaus, XXXX  and XXXX. I been trying to resolve this unknown debt from my credit for over 6 months now, and no one has sent any responses. Finally, i got hold of them on the phone today and she said that she will escalate my complaints so it can be removed soon from my Credit report or profile. Can you please look into this? This process shouldn't take more than 30 days to resolve, but mine has taken more than 6 months and no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XX/XX/2019 I submitted a 609 dispute letter to the company and was sent back a bill this response did not provide me with the information I requested per my 609 dispute letter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: Duvera Billing Services, LLC
State: PA

Complaint narrative:
I rece

ived a letter stating that I opened a account with XXXX XXXX XXXX   back in may ( in the middle of a pandemic ). I have no recollection of this company. I have called multiple times and at one point they hung up on me. They never answer my questions directly. I filed multiple disputes with them and they are still on my credit report

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I previously had a wells fargo secured card and the balance was settled for less than the balance this account has showed inconsistency with my report such as incorrect information and account status and other detail account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a paid subscription with Experian who provides a Fico score XXXX which is used by most lenders. The membership includes credit monitoring. My transaction monitoring is currently disabled. This monitoring service will send out alerts when there are changes to my account balances, and debit and credit transactions. This information  will then effect my fico score. On XX/XX/XXXX Experian deleted my account with XXXX XXXX company. I had just received a credit limit increase of {$300.00} which would have made my credit limit {$1100.00}. When I contacted Experian about this account, they informed me that because I filed a dispute on XX/XX/XXXX, that XXXX instructed them to delete the account. I contacted XXXX and they told me they didn't give Experian the authorization to delete the account. It was deleted from Experian and XXXX. I think Experian is purposely trying to keep me from increasing my credit score. So these are the 2 issues I'm disputing with Experian

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 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
After graduating I applied for tons of jobs on XXXX  and a company named XXXX XXXX reached out to be by email to see if I was still in search of a position. I was and especially with the pandemic happening in the midst of all of this I am involved in a check fraud scam of {$76000.00}. I thought I was working as a XXXX   XXXX  XXXX  for the past couple of months ; XXXX XXXX and within this last month checks started bouncing and getting returned thats when I noticed I had been scammed. After months of cashing commercial real estate payments Bank of America started withdrawing funds out of my account that I had cashed for the company and now my account has gone into the negatives and if their investigation does not conclude that I am a victim and bank leaves my account alone, I will be in credit debt at the age of XXXX. This was a huge welcome to the real world after graduating college. Bank of America has absolutely not reconciliation for things like this and just because I have saved money from my college years they didnt think to alert me that the checks were fraud and completed the withdraw before verifying if they were false checks.

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 2020-10-08 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: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
Consumer portfolio Services, initiated 3 hard inquiries on my XXXX  credit report without my authorization. The inquiries where improper and unnecessary. All three inquiries were done in less than 90 days. I contacted Consumer Portfolio Services by phone and they told me they had no record of the inquiries. I also contacted them on writing, with no response. The inquiries were done on the following days. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation