vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-14 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: MI

Complaint narrative:
I had a total of 7 checks spent with XXXX XXXX XXXX XXXX in XXXX XXXX Michigan that were returned for insufficient funds. I paid all of this off in full as part of the XXXX XXXX prosecutors bad check diversion program. The checks were issued in XXXX. The payment in full was in XX/XX/XXXX. However, these still show as unpaid on the Transunion credit report and are a delinquent mark that continues to limit my credit score. I have tried to correct this with them but they are unresponsive. I would greatly appreciate it if this was corrected to reflect the actual status.

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 2020-11-14 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: Self Financial Inc.
State: WY

Complaint narrative:
Self financial reported that I " missed a payment '' on XX/XX/XXXX. The balance on the account was paid off and the account closed on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: KS

Complaint narrative:
I contacted Medical Data Systems I in attempt to resolve a collection on my credit report. They offered a settlement and I asked if it would be removed from my report. The rep stated that it would only be removed if I paid the 3 different collections in full. I confirmed again, that it would be removed before paying and I continued to to pay the debts in full. 
I called to follow up after looking at my report and seeing that the collections were marked as paid but not removed and spoke with another representative. 
The rep stated that they do not and will not remove items from a report even if being paid in full. I spent all the money I had when I could have easily settled for the same results. They lied. I would have not paid if I was notified that it wouldnt be removed.

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 2020-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received the attached email on XX/XX/XXXX, of XXXX and followed the steps below to open the account with a {$15000.00} initial deposit that I left in the account well over 60 days. In the beginning I was not able to fund the account because it required that I receive a debit card in order to make the electronic funds transfer. 

I called Citibank three times in the beginning letting them know I still have not received my debit card so that I can transfer the funds in 30 days. I asked the representative to note in my account that I had not received my debit card, thus could not make the required deposit within 30 days. They assured me I would still receive my bonus and told me that would note that in my account that I am still eligible for the bonus and sited that I did not receive the debit card yet to make the required transfer. 

Finally, I received my debit card in the mail and made the funds transfer immediately of the {$15000.00} which cleared on XX/XX/XXXX. I left the {$15000.00} in the account all the way to XX/XX/XXXX ( well over the 60-day requirement ) at which point I withdrew {$5000.00} of the money ( leaving {$10000.00} in my account to avoid monthly bank fees ). 

Since my funding of the account I have yet to receive my bonus and I have called them about 8 times inquiring about this. The last two times that I contacted Citibank about this are on XX/XX/XXXX where the woman I spoke with told me she would but in a request for my review. She had asked me for the promo code and I told her I did not see any promo code in the attached email, when she said don't worry I will look it up and put in the promo code for you. The Promo code that the representative put in was not the right promo code as I received the attached message saying that my promotion expired on XX/XX/XXXX ( obviously she put in the wrong promotion code ) I have attached that letter as well as my history of deposits and balances. I called Citibank again today on XX/XX/XXXX at XXXX and spoke with a supervisor named XXXX XXXX Employee ID # XXXX ) and she said she will send my information back for review again within Citibank . Since opening the account, I have only received XXXX cents in interest. 

I have asked Citibank if there is a way I can forward them the attached email that they sent me on XX/XX/XXXX and they said they have no way of doing that. This has dragged on far too long, thus the reason for my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: MI

Complaint narrative:
I had a total of 7 checks spent with XXXX XXXX XXXX XXXX in XXXX County Michigan that were returned for insufficient funds. I paid all of this off in full as part of the XXXX XXXX prosecutors bad check diversion program. The checks were issued in XXXX. The payment in full was in XX/XX/XXXX. However, these still show as unpaid on the Equifax credit report and are a delinquent mark that continues to limit my credit score. I have tried to correct this with them but they are unresponsive. I would greatly appreciate it if this was corrected to reflect the actual status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent 3rd set of letters to TransUnion, XXXX  and XXXX  at the end of XXXX. Date should be around XX/XX/XXXX. I havent received a response as yet and by law they should reply in 30-45 days. I need an update on the matters presented. I also sent letters to XXXX XXXX XXXX and XXXX  funding to settle payment with my collection at {$100.00}. They should reply in 15 days. Still no reply

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 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent 3rd set of letters to XXXX, Equifax and XXXX at the end of XXXX. Date should be around XX/XX/XXXX. I havent received a response as yet and by law they should reply in 30-45 days. I need an update on the matters presented. I also sent letters to XXXX XXXX XXXX and XXXX XXXX  to settle payment with my collection at {$100.00}. They should reply in 15 days. Still no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: NE

Complaint narrative:
On XX/XX/2020 I was contacted by Receivable Performance management regarding a settlement was offered however, I explain that I was not familiar with these charged totaling XXXX USD and I requested a Debt Validation Letter on this day. Today XX/XX/2020 I called back for the 3rd time requesting this letter. the Collection company has stated that the last letter that was sent to me was on XX/XX/2020 to an outdated address ( This address had been updated with every phone call I made to them ). The company has had plenty of time to validate this debt yet has refused to and is now refusing to cease and desist, and remove 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
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC is reporting a frivolous debt to my credit reports that are not owed to them. 

I have never in my life done any type of business with this company. They are reporting that I owe them {$170.00}. When did I receive {$170.00} from LVNV Funding LLC? 

I have never received any sum of money nor any merchandise from this company! 

I have never spoken to anyone from this company before nor have I ever visited this company so how is it that I owe this company money? 

There is no legal contract that is binding me to LVNV Funding LLC. 

I have asked them to provide me with proof that I indeed owe LVNV Funding LLC and also provide me with a legal contract with my wet ink signature as well as the wet ink signature of the representative from their company that shows any money I received from them as well as my promise to pay them. They have not provided me with any of the requested documents. 

I have also asked them to provide me with proof that this frivolous debt wasn't bought from another company in which they haven't provided me with that either. 

So LVNV Funding LLC what is binding me to your company? What makes you think that I owe your company money? When did I do business with LVNV Funding LLC? Where is the contract that shows that I lawfully owe LVNV Funding LLC money?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
This company Ad Astra Recovery Services Inc is reporting a debt on my credit report that is not mine. On my credit report ( s ) this collection says it was opened XX/XX/2018 and th3e amount is {$1100.00}. I have contacted the company and disputed the reporting with the bureaus. The collection is on my credit report and I have not received an answer from Ad Astra Recovery Services. They are trying to collect money from what I assume is a loan. I have never taken out any payday type loans or fast cash loans. The name of the original company is SPEEDYCASH XXXX  XXXX VA. I do not know if the company perhaps made a mistake and reported my name by accident instead of someone else or if this collection is a result of identity theft. I have tried to resolve this and haven't received any response from Ad Astra or SPEEDYCASH XXXX XXXX VA in regard to deleting this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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 am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you very much!

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 2020-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Convergent Outsourcing, INC is reporting a frivolous debt to my credit reports that are not legally owed to them. I have never in my life done any type of business with this company. 

They are reporting that I owe them {$490.00}. When did I receive {$490.00} from Convergent Outsourcing, INC? 

I have never received any sum of money nor any merchandise from this company! I have never spoken to anyone from this company before nor have I ever visited this company so how is it that I owe this company money? There is no legal contract that is binding me to Convergent Outsourcing , INC . 

I have asked them to provide me with proof that I indeed owe Convergent Outsourcing, INC and also provide me with a legal contract with my wet ink signature as well as the wet ink signature of the representative from their company that shows any money I received from them as well as my promise to pay them. 

They have not provided me with any of the requested documents. I have also asked them to provide me with proof that this frivolous debt wasn't bought from another company in which they haven't provided me with that either. 

Instead, they sent me a bill from XXXX  from XX/XX/2014, in which I have never had XXXX  service. I have been a customer of XXXX XXXX for over 15 years. I have called XXXX  on several occasions and asked that they provide me with documents or a contract of service so that I can file a fraud report with the authorities in which they couldn't provide me with any proof. 

So Convergent Outsourcing, INC what is binding me to your company? What makes you think that I owe your company money? When did I do business with Convergent Outsourcing, INC? Where is the contract that shows that I lawfully owe Convergent Outsourcing, INC money?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Im a victim of identity theft. I did not apply for this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: Southern Auto Finance Co
State: AL

Complaint narrative:
Im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: AL

Complaint narrative:
Im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: CIG FINANCIAL LLC
State: AL

Complaint narrative:
Im a victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Im a victim of identity theft. I did not apply for this

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 2020-11-14 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: FC HoldCo LLC
State: AL

Complaint narrative:
Im a victim of identity theft. I did not apply for this

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 2020-11-14 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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Im a victim of identity theft

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 2020-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
This company Ad Astra Recovery Services Inc is reporting a debt on my credit report that is not mine. On my credit report ( s ) this collection says it was opened XX/XX/2018 and th3e amount is {$1100.00}. I have contacted the company and disputed the reporting with the bureaus. The collection is on my credit report and I have not received an answer from Ad Astra Recovery Services. They are trying to collect money from what I assume is a loan. I have never taken out any payday type loans or fast cash loans. The name of the original company is SPEEDYCASH COM XXXX VA. I do not know if the company perhaps made a mistake and reported my name by accident instead of someone else or if this collection is a result of identity theft. I have tried to resolve this and haven't received any response from Ad Astra or SPEEDYCASH COM XXXX VA in regard to deleting this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: Coastal Credit, LLC
State: AL

Complaint narrative:
Im a victim of identity theft

Company response to consumer: Untimely response
Consumer complaint received 2020-11-14 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: NATIONWIDE ACCEPTANCE LLC
State: AL

Complaint narrative:
Im a victim of identity theft

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 2020-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates LLC has repeatedly made " robo-calls '' to my number without replying, during my work hours and continued to make phone calls when asked to stop. They have failed to provide any evidence of a valid debt, They also offered to give me the social security number of the debt they are attempting to collect, which i stopped them from doing, In conversations they failed to verify any further information other than my name. Addresses given were never lived at by me or my family. They are routinely rude and obscene on phone calls and very threatening in their demeanor. I have repeatedly told them to halt harassing calls, and they have failed to do so. They have now renewed an older than 7 year account on my credit report with no basis to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: TX

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed because these accounts do not belong to me, Please resolve this matter as soon as possible. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Im a victim of identity theft

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 2020-11-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I saw the following offer in my BankAmeriDeals : Earn {$5.00} cash back on your XXXX XXXX purchase, when you spend {$0.00} or more! 
Your {$5.00} cash back is earned within 30 days after making your payment. 

ThenI added the offer to my account and made the purchased using my BoA credit card on XX/XX/XXXX ( posted on XX/XX/XXXX ). It has been more than 30 days ( as of today XX/XX/XXXX ) but the cash back has not been credited. I called Bank of America 4 times and was either asked to wait for longer or the phone call was mysteriously transferred to a random clueless customer service representative.

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