vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliance One, Inc.
State: FL

Complaint narrative:
Dear CFPB Staff Member, My name is XXXX XXXX. I am writing you concerning a company attempting to collecta debt that was already proven fraudulent and removed from my credit reports twice. 

The company in question is AllianceOne located at XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. The fraudulent debt is for {$620.00}. 

The previous owners of this debt received the necessary police documentation and this fraudulent debt has already been removed from my credit reports twice. 

At this point for XXXX to once again knowingly resell this fraudulent debt would constitute a crime. 

I request your assistance in informing XXXX to : A ) Remove this fraudulent debt from any credit bureaus and/or data collecting agencies they may have already reported this fraudulent debt to.

B ) Cease from further reporting this fraudulent debt to any other credit bueaus and/or data collecting agencies. 
C ) Cease all attempts to collect this fraudulent debt.

D ) Refrain from knowingly selling this illegal fraudulent debt to another agency. 




Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was involved in an accident and as a part of the settlement received a check from XXXXXXXX XXXX for {$3500.00}. I made the deposit on XX/XX/18 but my bank is holding all of it until after the XXXX. I have had this same account with this bank for 12 years and have deposited checks this size before. They would usually give me access to a portion of it while it clears. In this case they did not. I had hospital Bills and my car was totaled. 

I spoke to my bank over the course of the next few days and despite the fact that 2 business days have passed and that i have NEVER bounced a check or made a bad deposit they refuse to give me XXXX cent. I'm in a tight situation and desperately need access to my money. All I wanted is a small portion to available right away. At least XXXX or XXXX dollars, but the bank refuses to budge or acknowledge my tenure and excellent account history. 

There are laws governing how banks can withhold funds from deposits and this doesn't fall under any of those exceptions. I will be taking my banking elsewhere. But since they have put such a strain on me and my family for no reason I would like to file this complaint.

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 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have several inquiries that I did not authorize.

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 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have several inquiries on my report that I did not authorize.

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 2018-07-25 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have several inquiries on my report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Some one retrieved my information and opened a Zales credit card in my name before I turned XXXX I reached out to Zales and was told I'm responsible for this debt I'm a senior in high school with no job. I don't know how this was possible being that I'm a minor. I'll be starting my life once I graduate high school with credit impact due to identity theft Zales account is over 3000.00 opened in XX/XX/XXXX/XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have several inquires on my report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have several inquires on my report that I did not authorize.

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 2018-07-25 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: TX

Complaint narrative:
XXXX XXXX XXXX has agreed to delete this tradeline from my credit report. They provided AUD # XXXX as proof of the deletion.

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 2018-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has agreed to delete this tradeline from my credit report. They provided AUD # XXXX as proof of the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
The first time I call this company a lady answer the phone and I told her I wanted to settle this debt. She told me that the city of XXXX do not settle any debt. I call another time and spoke with a guy about payment options and what I can pay on a month to month based. I did made a payment towards this account for XXXX . I am disputing because I want to settle this debt and have it removed from my credit report file. On My credit the balance is showing incorrect. 

Attached will be the photos from my XXXX XXXX account about this collection. 

XX/XX/2018 payment of XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has agreed to delete this tradeline from my credit report. They provided AUD # XXXX as proof of the deletion.

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 2018-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I HAVE ALREADY FILED A DISPUTE WITH XXXX, I RECEIVED A RESPONSE FROM THE ORIGINAL DEBT COLLECTOR, AND XXXX. STATING : THAT THEY VERIFIED THE ACCOUNT AS LEGALLY BELONGING TO ME. IT DOES NOT BELONG TO ME, THIS ACCOUNT WAS OPENED ONLINE WITH XXXX XX/XX/XXXX BY A TENANT LIVING IN OUR HOME AT THE TIME. A POLICE REPORT WAS EVENTUALLY FILED, AND I DISPUTED THE ACCOUNT AS MISREPRESENTATION, FRAUD, AND UNAUTHORIZED USE OF PERSONAL INFORMATION TO GAIN ACCESS TO SERVICES OR CREDIT, TO XXXX AND XXXX. 

THE COLLECTIONS COMPANY " DIVERSIFIED CONSULTANTS '' SENT ME A LETTER THE OTHER DAY XX/XX/XXXX ( THIS IS THE THIRD TIME I'M, TRYING TO REMOVE THIS FROM MY CREDIT REPORT. )!!! 

BALANCE OWED ALLEGEDLY : {$480.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 30 DAYS LATE XX/XX/XXXX- 30 DAYS LATE XX/XX/XXXX- 60 DAYS LATE XX/XX/XXXX- 90 DAYS LATE XX/XX/XXXX- 120 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2018-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX  2017 XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2018-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX- 30 DAY LATE XX/XX/XXXX- 30 DAY LATE XX/XX/XXXX- 60 DAY LATE XX/XX/XXXX- 90 DAY LATE XX/XX/XXXX - 30 DAY LATE XX/XX/XXXX- 30 DAY LATE XX/XX/XXXX- 30 DAY LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2018-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: AL

Complaint narrative:
XXXX XX/XX/2018 I traded in phones from XXXX XXXX to XXXX  XXXX in order to switch my services to XXXX. Now, I have debt collection on my credit report that is not accurate and is in the amount of {$2100.00}. The equipment was in the hands of XXXX  as is stated XXXX XX/XX/2018 which is when I switched service providers for my wireless phone service. I have attached correspondence from XXXX and communications with the collections companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Balance of {$310.00} showing in collections is now a closed account when the balance should have never been in collections to begin with because balance was covered under federal student loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
I have filed three complaints on Suntrust closing my checking. They closed my checking illegally. I had refunds issued by companies to that account, including from XXXX. The bank has never sent me a check for it- they didnt deny the funds from the refund but have not sent to me. It's been 30+ days. The dates and amounts to my checking refunded from XXXX to the closed account by the bank- they never told me they were closing they just closed it, held funds, refused to give me money until there wasnt activity on account but never warned me to stop using it. Scam. But the refunds were never sent to me : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX among other various active disputes for fraudulent charges to my account on both business and checking accounts. Suntrust never followed up, never issued me a refund and kept the refunds that were indeed issued to 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 2018-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax made an update to my XXXX XXXX XXXX loan and changed the status from open account to closed account without validation directly with the creditor. XXXX XXXX is not reporting the account as closed, it is an open account in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: MD

Complaint narrative:
ON XX/XX/XXXX I SEND SOME CERTIFIED MAIL TO EXPERIAN ON THE DAY IN QUESTION ABOUT. ACCOUNT NUMBER # XXXX XXXX XXXX XXXX  EXPERAIN DIDN T REPLY TO MY LETTER UNTIL XX/XX/XXXX I NEED THESE WRONG ACCOUNT DELETE PLEASE XXXX XXXX ACCOUNT NUMBER # XXXX THE XXXX XXXX XXXX   ACCOUNT NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX WRONG DATA ON CREDIT FILE WHY I SAY THAT IS BECAUSE THERE WAS KNOW DATA GIVEN OR PROVIDE BY EXPERIAN XX/XX/XXXX ABOUT THE ACCOUNT ABOVE. 

I JUST NEED THESE ACCOUNT REMOVED ( DELETED ) SINCE EXPERIAN TOLD ME IN BLACK AND WHITE AND IN COLOR THEY DON T HAVE ANY DATA OF THESE ACCOUNT ON MY CREDIT FILE!!!!!!!!!!! 

I WILL SEND YOU PHOTO COPIES OF EXPERIAN COPY AND PASTE REPORT WHEN THAT CANT GET THE DATA FURNISHER TO REPONE. 

XXXX XXXX XXXX ON XX/XX/XXXX NO DATA WAS GIVEN TO EXPERIAN AT ALL AND I NEVER GOT A REPORT AT ALL FIRST CRIME SECOND ONE IS COPYING AND PASTE INFORMATION OLD REPORT AND REPLACE THEM WITH NEW REPORT NUMBER HAVE HE SAME INFORMATION LIKE THE LAST ONES .. 

THESE ACCOUNT ARE NOT MINES PLEASE DELETE ALL ACCOUNT THAT ARE IN THIS LETTER PLEASE AND FIX MY CEDIT SCORE BACK TO A XXXX LIKE IT SUPPOSE TO BE THANKS U HAVE A AWESOME DAY..

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 2018-07-25 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: TX

Complaint narrative:
I am no longer disputing XXXX  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 non-monetary relief
Consumer complaint received 2018-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am no longer disputing XXXX  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 non-monetary relief
Consumer complaint received 2018-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am no longer disputing XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I want to access my account by means of another acct however I'm being blocked. Please allow access. This is delaying the management of my financial life. So disappointed, second attempt with no response!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I am no longer disputing AD ASTRA RECOVERY SERVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/2018 I received an application form by mail from XXXX XXXX XXXX XXXX XXXX with the promotion of free membership fee for the first year, and XXXX bonus points if I spent at least {$2500.00} in the first 3 months. I decided to open a credit card. However on XX/XX/2018 I was charged {$95.00} for membership fee. I called customer service representatives on XX/XX/XXXX, and was transferred to a manager name XXXX  ( ID # XXXX ). I was told that my account will be credited {$95.00} in 2 to 3 billing cycle. In XX/XX/XXXX the charge was credited but my account was closed and all my accumulative points were deleted. I called and talked to a manager name XXXX ( ID # XXXX ), she was very rude and unfriendly. She told me that the bank had the right to close customer accounts any time without notices.

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 2018-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE

Complaint narrative:
My Company is an XXXX XXXX registered in XXXX with annual filed financials with the XXXX Authourities. I am the appointed representative for XXXX XXXX in a Number of XXXX XXXX. I also provide XXXX XXXX to a number of XXXX customers amougst whom is XXXX  XXXX XXXX. This Company recently sent me US $ XXXX against invoice for services rendered. It was transacted through XXXX XXXX XXXX thru a correspondant Bank Bank of New York Mellon Bank. This Bank seized the funds claiming my Company was involved in Money Laundering. On request all details were provided by XXXX  XXXX to XXXX XXXX. Their initial Ref is XXXX XXXX XXXX Ref on their provision of answers XXXX. The funds are still held by Bank of New York. The real issue here is complete disregard for small business and no means of contacting anyone at bank of New York. I have engaged legal Counsel and intend to sue. As of this stage after over 10 Days still no funds. I might mention that Bank MNellon did the same in a transfer by my Company in late XX/XX/2017 and seized funds destined for XXXX. So they have history that my Company is bonifide.

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 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Equifax will not fix incorrect birthdate on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: FL

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX XXXX with no successful resolutionXXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX,XX/XX/XXXX XX/XX/XXXX / XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation