vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 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: FL

Complaint narrative:
After reviewing a copy of my credit report, I noticed inquiries. I do not remember that I applied for credit with these companies, so I would like to know what permissible business purpose you had for pulling my credit? I have heard of companies pulling credit without authorization and I know it is not allowed under the Fair Credit Reporting Act. I do not authorize these inquires.

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 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK
State: VA

Complaint narrative:
I have a checking account with First Horizon Bank. On XX/XX/2020, {$300.00} was fraudulently withdrawn from account using the debit card. I called, on XX/XX/XXXX, the bank 's customer service to report fraud. They identified the transaction as being fraud. The representative mentioned about receiving an internal email that this company was posting fraud transactions to multiple customer accounts. I was assured a credit would be posted to account. I checked On XX/XX/XXXX and the credit not posted. I called the bank again. The representative said an email was received on Wednesday that all credits should applied. I asked why the credit was not posted and was told they were in process. I asked to speak to a manager, but the representative refused to transfer to manager. After asking to have the call escalated for more information, the rep refused to transfer the call. I asked 3 additional times, then the rep took y phone number and mentioned a manager will call with in 24 hours. I have never received a call. I checked the account balance XX/XX/XXXX, and the credit for the fraudulent transaction still has not posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CO

Complaint narrative:
i purchased an air soft gun through XXXX  on XX/XX/XXXX, the gun was defective when i did receive it weeks later, I emailed seller on XX/XX/XXXX. I have tried resolving this with Discover since seller wouldn't respond. XXXX states they will not investigate since I filed complaint with Discover 1st since XXXX could not be reached. The seller refuses to respond to XXXX as well and quit responding to me XX/XX/XXXX. Discover charged back the card without notification and/or allowing me to supply my documents for this dispute. This is and was a defective airgun. XXXX only offered {$50.00} inconvenience credit then {$100.00} on XX/XX/XXXX. I advised XXXX rep XXXX, on XX/XX/XXXX I want my entire {$150.00} and she stated since Discover charged back the amt they have the final say and refuse to investigate AT ALL since my bank investigated. You can see where XXXX emailed the seller and NEVER ONCE RESPONDED. I advised them i would return the product but dont feel I should pay for shipping since they sent me the product defective. They didn't respond after that XXXX XXXX XXXX. 
Dispute Case ID : XXXX Transaction Amount : {$150.00} USD Dispute Amount : {$150.00} USD Transaction ID : XXXX Transaction Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
In the month of XX/XX/XXXX, a debit/bank account was opened with USAA followed by an unsecured loan that was taken out using my information electronically. I was not made aware of this action until XX/XX/XXXX when I reviewed my credit report. Immediately I contacted USAA, in order to dispute this action. USAA did not notify me of the account via email. At the time of the loan being taken out, address information was not correct. The address on file with USAA was listed as XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( where I lived up until XX/XX/XXXX ), however, my address at the time was XXXX XXXX XXXX XXXX, MD XXXX ( where I lived from XX/XX/XXXX to XX/XX/XXXX ). I updated address information with the post office immediately after moving. After the incident, I notified the major credit bureaus, in order to place fraud alerts and credit freezes on my report, as well as contacted the FTC to report the identity theft. Following this, I contacted the police department to file a police report of the incident in XX/XX/XXXX. I have made several attempts at disputing this account with USAA. They have advised me that the account and the loan was not done fraudently. A detective working on the identity theft investigation has also determined that the activity is fraudulent and was committed by spouse. The investigation concluded on XX/XX/XXXX and Detective XXXX XXXX with the XXXX County PoIice department delived the results to me. I have since seperated from my spouse and I am in the processes of getting a divorce ( filed XX/XX/XXXX ) due to this action, as I was unaware that he committed this. This account and loan was opened up without my knowlege or consent and I am struggling with USAA on having is resolved. USAA has refused to give me any actions on how this can be removed, despite my submission of a police report and identity theft report. I have taken all neccessary steps and reccommend actions, but I feel that this is unfair for USAA to continue to hold me responsible for a fraudlulent debt. I have tried to contact USAA multiple times and have spoken to different departments regarding this issue. It is difficult and time consuming to get ahold of someone and I have spend countless hours on the phone. I have also written and mailed letters to USAA and the 3 major reporting credit agencies. The loan is currently being reported as a charge off and is negatively affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Back in XXXX I recvd a bill from XXXX stating I owe XXXX. I reached out and advised something must've gone wrong because I did not have a personal account with XXXX. The apartments has an HOA that provides internet and cable services in which I paid with my rent. Earlier this year the apartment complex decided to switch and let us know they will be using XXXX and we needed to request set up with XXXX  since they will no longer use XXXX. So in XX/XX/XXXX I had XXXX come out and complete the connect. I contacted XXXX Customer Service and ask this to be investigated many of times but it could never be resolved. I asked for the corporate office to reach out to someone higher and they would not give me any information to reach anyone. I finally reached out to a guy named XXXX XXXX Executive Escalations and he asked me to send all the documentation showing how long I've had XXXX  as well as notices showing that the complex no longer used XXXX. He advised everything should be updated and completed. Well it never happened. I do not understand how a company can expect to come up with a bill out of the blue and say it's mine. The bill date shows exactly XX/XX/XXXX along with new charges as of XX/XX/XXXX but I did not have XXXX in these months at all. This company refuse to investigate and own the fact that they have made a mistake and is now trying to add a collection to my credit report. I have months of conversations that I have had with these reps and no one will correct their mistake. As far as this collection agency I reached out to them asking requesting a VOD. This company has sent me the same bill from XX/XX/XXXX in which one I did not have services with the company at that time and furthermore a bill does not constitute validation of debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed an incorrect late payment with the bureaus on XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. On XX/XX/2020 I submitted a 2nd dispute to the bureaus requesting again that they complete an investigation and notify me of the responses. I do not feel that I was ever a full 30 days late on this account and my personal records do not indicate this either. There are also numerous of inquiries that I did not authorize that are on my credit report ; you can clearly see that an account had not been opened and these need to be removed 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 2020-12-21 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX COMENITY CAPITAL BANK added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, COMENITY CAPITAL BANK has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: WA

Complaint narrative:
The national credit ajdudtment company started calling me XX/XX/XXXX. I spoke with them and they were looking for someone else. I told them they had the wrong number. They called the next day XXXX XXXX and I told them they had the wrong number. To stop calling me. I blocked tvem. They still called XXXX XXXX and XXXX XXXX from their line. Then they used another number to call me on XXXX XXXX. I am not the person they are looking for, I have told them this and they are still calling which is harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
There account reporting in my credit from LVNV FUNDING ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) this account is fraud, is not mine. Please help me remove it, is affecting my credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing a copy of my credit report, I noticed inquiries. I do not remember that I applied for credit with these companies, so I would like to know what permissible business purpose you had for pulling my credit? I have heard of companies pulling credit without authorization and I know it is not allowed under the Fair Credit Reporting Act. I do not authorize these inquires.

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 2020-12-21 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: FL

Complaint narrative:
After reviewing a copy of my credit report, I noticed inquiries. I do not remember that I applied for credit with these companies, so I would like to know what permissible business purpose you had for pulling my credit? I have heard of companies pulling credit without authorization and I know it is not allowed under the Fair Credit Reporting Act. I do not authorize these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I spoke with the company on 6 occasions regarding this ongoing issue. There are 4 payments that I made to credit account, but they were never applied, applied and reversed. 

After speaking with representatives, they requested proof from my bank that the payments were made. I provided proof in the form of the electronic transfer records provided by my bank. 

I spoke with multiple managers, and have multiple cases open, and each one was closed without explanation. 

I emailed corporate executives and received no response. 

These missing payments have caused my account to go beyond the promotional 0 % APR period for my purchase and its accruing significant interest. I continue to make payments on the account to avoid fees and negative credit reporting.

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 monetary relief
Consumer complaint received 2020-12-21 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: CA

Complaint narrative:
I sent another dispute to the bureau regarding an account ( XXXX XXXX XXXX  XXXX ) on my report that has many inconsistencies. I also demanded that they validate the account but they didn't do it. I haven't received any documents that shows that the creditor validated the account to me and I haven't received any response to my dispute at all. While waiting for the results of the investigation along with the validation of the account, it has been well over 45 days, so they are now in violation of that also. According to 15 U.S. Code 1681i the bureau must do a reinvestigation of the disputed item within 30 days and if the item is inaccurate they must delete! I can not keep dealing with this issue as it keeps causing me a lot of stress and wasted time. I have attached my Driver 's License, Social Security Card, the info that shows the inaccurate account and all the discrepencies, the letter I sent for no response to my dispute letters. I will be forced to file with the FTC if this inaccurate account doesn't get deleted.

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 2020-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
Dispute Notice Re : Freedom Debt Relief agreement of {$370.00} per month at 42 months XX/XX/XXXX The XX/XX/XXXX agreement was for me to pay {$370.00} per month for 42 months and Freedom Debt Relief would resolve my credit card debt to : XXXX # XXXX ; XXXX XXXX MasterCard # XXXX ; XXXX  XXXX # XXXX ; XXXX XXXX Visa # XXXX ; and XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX within that 42 months period of time. I was also advised that if my credit card debt with the aforementioned companies were not negotiable in 3 to 6 months ; that a new agreement would be needed. During that 3 to 6 months period of time, Freedom Debt Relief did not submit to me a new agreement for my approval. Since my complaint to CFPB # XXXX, Freedom Debt Relief first contact with me was on Friday, XX/XX/XXXX where I explained that I wanted the monthly charges to {$370.00} to stop after XX/XX/XXXX and all subsequent {$370.00} payments returned. ( Please listen to the recorded conversation ) The second and final contact I had with Freedom Debt Relief was on Monday, XX/XX/XXXX after another {$370.00} was charged to me. The paperwork from XXXX XXXX XXXX has never been U.S. mailed to me, never E-mailed to me, nor message mailed to me. ( Please listen to the recorded conversation ) Freedom Debt Relief error in negotiations is no reason to continue to withdraw {$370.00} from my bank account. I have given Freedom Debt Relief no right to continue to withdraw {$370.00} from my bank account past the XX/XX/XXXX payment of {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2020-12-21 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2020-12-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed an incorrect late payment with the bureaus on XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. On XX/XX/2020 I submitted a 2nd dispute to the bureaus requesting again that they complete an investigation and notify me of the responses. I do not feel that I was ever a full 30 days late on this account and my personal records do not indicate this either. There are also numerous of inquiries that I did not authorize that are on my credit report ; you can clearly see that an account had not been opened and these need to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: CA

Complaint narrative:
I disputed an incorrect late payment with the bureaus on XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. On XX/XX/2020 I submitted a 2nd dispute to the bureaus requesting again that they complete an investigation and notify me of the responses. I do not feel that I was ever a full 30 days late on this account and my personal records do not indicate this either. There are also numerous of inquiries that I did not authorize that are on my credit report ; you can clearly see that an account had not been opened and these need to be removed 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