vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 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: FL

Complaint narrative:
I would like to notify you about all accounts which were opened not by me. After divorce with husband he could not sue a lot, but he had all my personal information like copy ssn and Dl. He applied for a few accounts using my name, but different addresses. He used to all credit card which opened on my name and did not pay. I did not know anything until recently. I went to police department to have affidavit and also I was trying to sue him. No one of these account are not belong to me or any transactions made by me. He used my personal info to open these credit card. I spoke with all banks and they will remove all debts. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need to remove from all 3 bureaus. The reason I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Scott Fetzer Financial Group Inc.
State: MA

Complaint narrative:
I only received a letter denying every account on my credit report. That's not true. I have several open accounts in good standing that I definitely don't want to deny are mine. Every account, even derogatory accounts that are mine, they're saying aren't. And they have not done anything. I paid off my cards and raised my score on my own. They did nothing. I was lied to. XX/XX/2020 I paid {$130.00} to start and {$89.00} a month. I stopped for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/XXXX my account with Marcus by Goldman Sachs was blocked. This was the second time it was blocked after I attempted to transfer funds from them to another bank. 

They blocked my access to view the account, access cleared available funds and to close the account. When I I formed them I had a legal right to access my account, XXXX in the XXXX XXXX XXXX location denied lifting the block and refused to provide me with access. 

When I requested a copy of the recording of the call to be able to use in a complaint, XXXX placed me on a long hold while finding out if they could do it. I was then told someone would call me in 1-2 days to provide information about how I could it. 

This all occurred after Marcus lowered their interest rates and I attempted to withdraw my funds to deposit at another location that pays higher interest. They are blocking my access in an attempt to keep the funds with them because in my opinion lots of customers are moving their money after the interest drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: LJ Ross Associates
State: LA

Complaint narrative:
I sent letters to the company LJ Ross and the bearus asking them to verify this debt with the original contract I did not recieve that information I sent a letter to LJ Ross on XX/XX/XXXX and the Credit Bearu on XX/XX/XXXX and they sent me a bill back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The fraudulent account that Equifax placed on my credit report stems from a child support case that has been closed years ago yet equifax is still reporting this as a negative account. I have a signed court order from the judge releasing me from this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
Hello My name is XXXX XXXX, Account # XXXX Enhanced Recovery Collection had contacted me on a debt allegedly that I owed around XX/XX/20. At the time I did not know that I could dispute such debt ( after some research, i realized that I could ). I agreed to pay them {$100.00} ( attached letter ) for the simple reason of convenience and I also asked them to please DELETE the account from my credit report, which at the time they informed over the phone THEY WOULD. Based on that acknowledgement, I decided to just pay the debt. After receiving a letter dated XX/XX/20, to my surprise they did not DELETE from my credit and my credit score DROPPED significantly almost 60 points due to this payment. I am frustrated with this unethical deception to collect a debt and then tell me they will remove it from my credit report and then they do not, this is not right. I have attempted to call them to correct this situation. They just do not care. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
I logged into my XXXX XXXX account and have come to find a collection that is hurting my score! 
This is account is inaccurate and needs to be removed from my credit ( All 3 credit bureau 's ) immediately. 
I've been contacted and whomever spoke to me in regards to this was very rude and demanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I walked into my local Bank of America Branch in XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). I made a deposit totaling {$20000.00} including a single check from my mothers estate ( part of my inheritance ). I was given a receipt of this transaction which i still have today. I will include an image of the receipt for your reference. Upon reviewing my bank statements, the deposit was not recorded, and the funds are nowhere to be found. Shortly after noticing the missing funds, I visited the Bank of America Bank location and a representative ( XXXX XXXX ) assured me he would resolve the issue. A resolution has not been received and I still do not have the funds from the deposit. Upon further discussion with my CPA, I reached out to XXXX again in XXXX 2020 for an update and to request bank statements from the prior 12 months. I have not received any response nor statements. Please review this activity as I am suspecting potential fraud or elderly abuse.

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 2020-08-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
In 2009, I obtained a " Flexequity '' credity line account from Union Bank in the amount of {$160000.00} secured by my residence in present residence in XXXX XXXX, California. The account consists of Draw Period and Repayment Period. Draw period is 120 months and the Repayment Period is 240 months. The variable interest for rate was 1.5 % plus XXXX XXXX index. At that time was 4.75 %. Late last year the account went into the Repayment period. Union Bank adjusted my monthly payment over {$1300.00} for a app. 10 % interest rate .I made many objections and asking to talk to a officer. they have ignored me for months.. Finally the supervisor of their department referred me to talk to a loan officer in XXXX. I made numerous calls and let messages. I also refer the situation to the supervisor who referred me. I was ignored for months again. Then I received the " Notice of Intent to Accelerate '' from last month. 
The secured Property is currently worth over {$600000.00}. When I obtained the Line,  Union was in second position. I paid off the first mortgage last year. They are in first position now. They are in more secured position then before. 











flexequity

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 2020-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent letters to the company XXXX XXXX and the bearus asking them to verify this debt with the original contract I did not recieve that information I sent a letter to XXXX XXXX on XX/XX/XXXX and the Credit Bearu on XX/XX/XXXX and they sent me a bill back.

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 2020-08-05 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: LA

Complaint narrative:
I sent letters to the company XXXX XXXX and the bearus asking them to verify this debt with the original contract I did not recieve that information I sent a letter to XXXX XXXX on XX/XX/XXXX and the Credit Bearu on XX/XX/XXXX and they sent me a bill back.

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 2020-08-05 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: FL

Complaint narrative:
I would like to notify you about all accounts which were opened not by me. After divorce with husband he could not sue a lot, but he had all my personal information like copy ssn and Dl. He applied for a few accounts using my name, but different addresses. He used to all credit card which opened on my name and did not pay. I did not know anything until recently. I went to police department to have affidavit and also I was trying to sue him. No one of these account are not belong to me or any transactions made by me. He used my personal info to open these credit card. I spoke with all banks and they will remove all debts. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need to remove from all 3 bureaus. The reason I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-08-05 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: FL

Complaint narrative:
I would like to notify you about all accounts which were opened not by me. After divorce with husband he could not sue a lot, but he had all my personal information like copy ssn and Dl. He applied for a few accounts using my name, but different addresses. He used to all credit card which opened on my name and did not pay. I did not know anything until recently. I went to police department to have affidavit and also I was trying to sue him. No one of these account are not belong to me or any transactions made by me. He used my personal info to open these credit card. I spoke with all banks and they will remove all debts. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need to remove from all 3 bureaus. The reason I have been a victim of identity theft fraud. I have no idea of any of  these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans union has been taking a monthly fee of {$24.00} out of my checking account for services I did not order. 
As senior citizen, I dont think its fair to be taken advantage of. I would like a total refund.

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 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I sent the company a letter on XX/XX/2020 asking for validation of the account and the company never responded and now the debt has been added to my credit with me having the original contract saying that I owe the debt to this company and any other information that was requested in the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05 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: TX

Complaint narrative:
I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my creditfile. See list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
I am writing to request the verification of information regarding specific accounts listed on my credit report in accordance with the Fair Credit Reporting Act : Section 609.In pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Experian. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Experian consumer file.I am disputing and requesting full verification on the following accounts. 

It appears that thereare 10 - 14 installment accounts under XXXX  XXXX XXXX account number XXXX originated from a school that I never attended or enrolled at or agreed to attend. 
XXXX XXXX - account number ending in XXXX originated from a school that I never attended or enrolled at or agreed to attend. 
XXXX - account reporting opened in XX/XX/XXXX. 
XXXX XXXX XXXX - account reporting opened in XX/XX/XXXX XXXX XXXX/ XXXX - account reporting opened in XX/XX/XXXX. 
I would like to verify that these creditors obtained my information legally by requesting that they provide me with the original sources of the information they received. This should include the identity of the individuals who requested my credit reports, all original documents and agreements, and all other relevant documentation. If you are unable to get this information for me, please remove these items immediately since the accuracy of what is being reported to my credit file can not be verified. 

Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 

If any item ( s ) return as verified please provide all records in regard to FCRA section 609.

I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge.

Thank you for your attention to this matter.

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 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
American express closed my account and dont want to re-open it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: TX

Complaint narrative:
I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my creditfile. See list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
I am writing to request the verification of information regarding specific accounts listed on my credit report in accordance with the Fair Credit Reporting Act : Section 609.In pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Transunion. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Transunion consumer file.I am disputing and requesting full verification on the following accounts. 

It appears that thereare 10 - 14 installment accounts under XXXX XXXX  XXXX account number XXXX originated from a school that I never attended or enrolled at or agreed to attend. 
XXXX XXXX - account number ending in XXXX originated from a school that I never attended or enrolled at or agreed to attend. 
XXXX - account reporting opened in XX/XX/XXXX. 
XXXX XXXX XXXX - account reporting opened in XX/XX/XXXX XXXX XXXX/ XXXX XXXX account reporting opened in XX/XX/XXXX. 
I would like to verify that these creditors obtained my information legally by requesting that they provide me with the original sources of the information they received. This should include the identity of the individuals who requested my credit reports, all original documents and agreements, and all other relevant documentation. If you are unable to get this information for me, please remove these items immediately since the accuracy of what is being reported to my credit file can not be verified. 

Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 

If any item ( s ) return as verified please provide all records in regard to FCRA section 609.

I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge. 
Thank you for your attention to this matter.

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 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I printed my credit report in late XXXX of 2020 from all three credit bureaus and I noticed that XXXX XXXX as the original collector was still on my credit report under collections for {$220.00}. I reached out to XXXX XXXX in XXXX of 2020 and paid my debit of {$220.00} in full and was told it would be updated and removed. It is now XXXX of 2020 and the debit is still there. According to the credit report the collection is now under Convergent Outsourcing at XXXX, I contacted them via telephone on XX/XX/XXXX about clearing or removing debit that is paid off and none out of the 6 people I spoke to and was transferred to help until they hung up on me. I also contacted XXXX XXXX back on same day of XX/XX/XXXX concerning same matter and XXXX XXXX informed me that I needed to contact collection company and I asked if I can get an emailed or mailed copy of receipt confirming my payment in full, representative advised me accounting department is closed in which it was XXXXXXXX XXXX central standard time, to try another time and hung up. Neither company is trying to help me or listen to the matter at hand. I need this removed being it is paid out in full or at least provide me with my receipt I requested and an estimated date it will be dropped or removed from my credit 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