vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 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: ATG Credit, LLC
State: IL

Complaint narrative:
This account is illegally being reported on my credit report. On dates, XX/XX/19, XX/XX/19, and XX/XX/19, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was VERIFIED. 
On date, XX/XX/19, not only did I reach out the company directly with a letter after XXXX  supposedly verified the account, in getting this issue resolved. I sent along an affidavit but the address XXXX has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to XXXX and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: AES/PHEAA
State: NY

Complaint narrative:
I was notified by XXXX XXXX today that my XXXX and XXXX XXXX accounts were negatively effected by a report by XXXX XXXX XXXX. By their accounts, I am it behind, never have been, yet my score drastically dropped. I called and the representative denied it was them, yet XXXX XXXX   shows it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: FL

Complaint narrative:
I have contacted Equifax several times regarding incorrect information. My accounts are showing closed when they are active. One account is showing a XXXX  balance but in collections. My name is wrong. I was told to file a dispute only to have my score drop over 30 points. Called regarding it again and they said all I can do is dispute and there is nothing they can do about the score dropping with each dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 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: NY

Complaint narrative:
I was notified by XXXX XXXX today that my XXXX and trans union accounts were negatively effected by a report by XXXX XXXXXXXX XXXX. By their accounts, I am it behind, never have been, yet my score drastically dropped. I called and the representative denied it was them, yet XXXX XXXX  shows it is.

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 2019-05-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was notified by XXXX XXXX  today that my experian and XXXX XXXX accounts were negatively effected by a report by XXXX  XXXX XXXX. By their accounts, I am it behind, never have been, yet my score drastically dropped. I called and the representative denied it was them, yet XXXX XXXX  shows it is.

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 2019-05-14 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: IL

Complaint narrative:
This account is illegally being reported on my credit report. On dates, XX/XX/19 and XX/XX/19, I formally disputed it directly with EQUIFAX in regards to their illegal reporting, and their response was VERIFIED. 
On date, XX/XX/19, not only did I reach out the company directly with a letter after EQUIFAX supposedly verified the account, in getting this issue resolved. I sent along with my Police Report and an affidavit but the address EQUIFAX has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to EQUIFAX and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 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: Opportunity Financial, LLC
State: IL

Complaint narrative:
This account is illegally being reported on my credit report. On dates, XX/XX/19 and XX/XX/19, I formally disputed it directly with XXXX  in regards to their illegal reporting, and their response was VERIFIED. 
On date, XX/XX/19, not only did I reach out the company directly with a letter after XXXX  supposedly verified the account, in getting this issue resolved. I sent along with my Police Report and an affidavit but the address XXXX  has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to XXXX  and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rubin & Debski, P.A.
State: FL

Complaint narrative:
I recently received many solicitations from attorneys that wanted to help with a lawsuit, I became very curious as to why I was receiving all this mail. I went online to public records and found that a pre-trial conference was scheduled for XX/XX/2019. I never received any information by mail or by phone. I never received any legal documentation regarding this matter. I was very upset to see this under my name in public records with a past due date. On XX/XX/2019 I called the office of XXXX XXXX XXXX XXXX. 
I asked to speak with Mr. XXXX. The woman that answered my call said he was unavailable. I gave her my name and asked for her name and she just ignored my question. I willingly provided her with my personal information. She informed me that they are representing XXXX XXXX & I owe a balance of {$3600.00}. I informed her that I had XXXX XXXX XXXX accounts in the past years all 4 were closed upon my request all 4 had a XX/XX/XXXX balance. When I told her that this has to be some mistake, I do not owe this money, she became very argumentative. I asked her for her name again, she replied that our discussion was over and hung up. I called back a few more times today, but all I received was a voice message. I left two individual messages, but no one ever returned my call. I can not resolve this issue when this woman is screening phone calls and refuses to give me her name. XXXX XXXX XXXX have not returned my phone call and this unidentified woman behaved like a loan shark, using unprofessional scare tactics. Please help me clear my name and this serious matter. Thank you

Company response to consumer: Untimely response
Consumer complaint received 2019-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Im having a problem with getting my car out of the body shop the lender to whom I pay my car note through keeps giving me the run around about no receiving documents my car has been finished with the repairs since Monday XX/XX/XXXX. The lender ( Santander ) whom I pay my note through said that they received the documentation but was waiting for it to be reviewed I called them today Monday XX/XX/XXXX to check in on my paper work they claim that theyre missing paperwork before the paper work was sent off I made sure to call Santander on three way with the body repair shop XXXX XXXX XXXX La ( XXXX XXXX ) they confirmed that they had the documents. But today one of the guys whom Ive talked to said that it was false information Ima very upset behind this I dont know what to do because now theyre saying that if they dont receive the proper documentation form XXXX, then the check that they have will be put towards my car balance to reduce it..! Im paying out off pocket too much money on a rental when I can be riding in my own vehicle which is just sitting up at a collision center.. Ik this May not  fall under this complaint, but I didnt know where to go to file my complaint about my Lender ( Santander consumer )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is an official grievance against TransUnion situated in XXXX. XXXX XXXX XXXX, PA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a Fraudulent, flawed & unverifiable account on my credit document and in addition, an account where my personal information was compromised and charges included without my consent. To make it even worse, I did not benefit from anything whatsoever in these fraudulent charges. Below is the fraudulent account that I need to be deleted : XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$630.00} Regardless of my goals to resolve this unpleasant nightmare for a number of months now, TransUnion has entirely ignored my interactions and legal submissions to delete this FRAUDULENT information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. I am attaching the previous Letter I sent to this company as well as proof that I am 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 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Misleading billing practices. BofA charges me an interest of {$38.00} for a paid purchases. False advertising for a balance transfer promotional offers. Please check your records for XX/XX/XXXX and XX/XX/XXXX Statements to correct this issues. Tried to resolve the issues via telephone with the agent, they can't give me a correct calculation.

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 2019-05-14 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is an official grievance against Experian situated in XXXX. XXXX XXXX XXXX, TX XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a Fraudulent, flawed & unverifiable account on my credit document and in addition, an account where my personal information was compromised and charges included without my consent. To make it even worse, I did not benefit from anything whatsoever in these fraudulent charges. Below is the fraudulent account that I need to be deleted : XXXX XXXX XXXXXXXX, Opened Date XX/XX/2014, Highest Balance {$630.00} Regardless of my goals to resolve this unpleasant nightmare for a number of months now, Experian has entirely ignored my interactions and legal submissions to delete this FRAUDULENT information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. I am attaching the previous Letter I sent to this company as well as proof that I am 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 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I got a letter that on XX/XX/XXXX, the company I hired ( XXXX XXXX XXXX  ) was able to negociate a settlement with an account that was delinquent ( XXXX XXXX/XXXX  account in a 9 payments of {$100.00}, which came to its completion on XX/XX/XXXX. 
But these people Midland Credit management, wants to continue to collect and retain the bad remark on my credit reports all across, I tried calling them, but they claimed they can only talk to the people that represent me ( XXXX XXXX XXXX ) and I said they no longer work for me, I sent Midland a letter in writing my dislodging with XXXX a month and a half ago, but they still avoid me, I just want them to recognize the account was paid in full for the settlement and remove those bad remarks from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I have contacted this company directly and also sent dispute to credit bureau to have this erroneous entry removed from my credit report. The credit bureaus have failed to investigate or respond to my inquiry, only update to restart time on debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony is the bank that manages the XXXX and XXXX credit card, and they dont send an email when you sign up for paperless statements. This has resulted in being late for 2 payments and being subject to late fees and interest charges. As this is the second time this has happened Im convinced that this is a mechanism to collect late charges and interest charges.

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 2019-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I paid two payments at the end of XXXX to citimortgage. My account was current. I went in to pay XXXX 's payment and my account got sold to XXXX. I had no idea and did not get any notifications nor letters in the mail. 

I now get a letter from XXXX that my mortgage is behind and citimortgge did not post my payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/2018, I visited a Citibank branch in XXXX to avail a new checking account offer, that entailed Citibank crediting 30,000 XXXX XXXX AAdvantage  miles to new customers. I hadn't been able to sign up online as I am a Non-Resident Alien owing to being an international student, but I was eligible for the promotion, and had to visit a branch. 

Citibank did not give me 30,000 XXXX XXXX miles, stating that I had not provided any data regarding why I'm present in the US, although I'm a XXXX XXXX. But this was despite the fact that I had submitted a copy of my passport & XXXX student visa issued by the United States of America, which also states the name of my university. Even after mailing those items ( including a local address proof & XXXX and its addendum ) via USPS, I still received a canned response. So, I resent copies of my passport, visa, local address proof again along with XXXX ( and its addendum ) & an enrollment verification letter from the university registrar, but I haven't received the promised 30,000 XXXX XXXX miles yet. 

Its back-office employees don't seem to carefully look at the data, and this situation has been causing me a lot of inconvenience.

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 2019-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I collection account was put on my credit report my a company called Ad Astra ( XXXX ) for a XXXX XXXX loan. I called XXXX XXXX and gave them my social and they could not find an account. I then called Ad Astra and they did not have the correct social security number just my name on account that was not mine. They put that info on my credit report knowing they did not have a correct SSN for me. When I asked them how they could do that knowing they did not have the right SSN, they could not give me an answer. This has negatively affected my credit report and should be removed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metro Collection Service Inc.
State: FL

Complaint narrative:
I had a XXXX XXXX XXXX medical bill that was opened in 2013, for which I had an agreement to pay XXXX once my car accident case resolved, my attorney didn't received the medical bill and they sold the bill account to metro collections, and after five years almost six, this metro company is harrasing me over the phone and letters, I filed a dispute in my credit report, still they keep increasing the old debt, I filed a complaint with fl office of financial regulations and they found that metro collections was harrasing me and didn't have a license in fl, now they referred me to you to investigate and stop this collection agency from continuing this unlawful behavior. 
The account is more than six years now and based in fl law is too old to be in my credit report. I need you to please stop these people abuse and remove them from my credit reports as soon as possible. Thank you for your assistance.

Company response to consumer: Closed with explanation