vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 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: Ability Recovery Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I had an account to become pass due with XXXX University. 
They sent it to Abillity collection services whom then sent it to credit XXXX and XXXX credit reporting services on XX/XX/XXXX. My compliant is I asked the Credit bureau for verification of bill all they say it been verified, not telling who verified it or how. Also the Account has an incomplete Account number in Violation FCRA and also it been time barred because it been over seven years since date of XX/XX/XXXX when it became past due. 
It have made calls to both XXXX and Ability services they were rude both hanging up the phone when I asked for verification information. please help me to get some resolve in this case.

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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/XXXX, I sent an email to FIRSTBANK in order to find out why they requested my credit report from XXXX  according to a XXXX XXXX notification. Their response was that FIRSTBANK don't entertain complaints over email directing me to use regular mail along with a specific set of questions. On XX/XX/XXXX, I sent a certified letter over XXXX with all the information requested by FIRSTBANK. This week, I received a letter dated on XX/XX/XXXX in response requesting the same information that I have sent twice plus additional information including a request for copy of my credit report which is the subject of this complaint since it is not of my interest to share with them. My report is confidential and I'm not interested in any financial service from FIRSTBANK. 

NOTE : This complaint is about an unauthorized request from a bank, not an employer. I don't have or currently am interested in any service from this bank.

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 2020-05-19 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items 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 2020-05-19 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items 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 2020-05-19 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: Ladera Lending, Inc
State: CA

Complaint narrative:
Ladera Lending ran the hard credit inquiry without my permission. I neither provided my social number directly to them nor XXXX indirectly when I made home refinance rate quote, and yet they still managed to pull the credit report. I talked to 5 lenders ( sent by XXXX ) including Ladera last few weeks, but nobody, except Ladera, pulled the hard report along with employment verification. Its very scary and unimaginable that they can do such things without any oversight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 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: NY

Complaint narrative:
These accounts on FTC report are not my accounts

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 2020-05-19 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:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff or ( XXXX  ) days late on the XXXX   partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have been faithfully paying on this account every month for years to XXXX. I was not aware that this account was reporting derogatory information until I recently obtained a copy of my credit report. I was never notified by XXXX that this account had been sold to another lender. It is clear that the new company who purchased this student loan debt was not applying the payments I was making monthly to XXXX. I have attached a copy of my statements showing my timely monthly payments. Consequently, because my monthly payments were not being applied correctly, this has caused the derogatory reporting on my credit report. I have contacted XXXX along with the bureaus to remove the collection/chargeoff and lates however, I have not been successful. This false reporting is seriously harming my credit score and this line item needs to be 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
Consumer complaint received 2020-05-19 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:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff or ( XXXX  ) days late on the XXXX   partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have been faithfully paying on this account every month for years to XXXX. I was not aware that this account was reporting derogatory information until I recently obtained a copy of my credit report. I was never notified by XXXX that this account had been sold to another lender. It is clear that the new company who purchased this student loan debt was not applying the payments I was making monthly to XXXX. I have attached a copy of my statements showing my timely monthly payments. Consequently, because my monthly payments were not being applied correctly, this has caused the derogatory reporting on my credit report. I have contacted XXXX along with the bureaus to remove the collection/chargeoff and lates however, I have not been successful. This false reporting is seriously harming my credit score and this line item needs to be 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
Consumer complaint received 2020-05-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff or ( XXXX ) days late on the XXXX/XXXX   partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have been faithfully paying on this account every month for years to XXXX. I was not aware that this account was reporting derogatory information until I recently obtained a copy of my credit report. I was never notified by XXXX that this account had been sold to another lender. It is clear that the new company who purchased this student loan debt was not applying the payments I was making monthly to XXXX. I have attached a copy of my statements showing my timely monthly payments. Consequently, because my monthly payments were not being applied correctly, this has caused the derogatory reporting on my credit report. I have contacted XXXX along with the bureaus to remove the collection/chargeoff and lates however, I have not been successful. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: NY

Complaint narrative:
These accounts on FTC report are not my accounts

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 2020-05-19 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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 2020-05-19 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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 2020-05-19 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff or ( XXXX  ) days late on the XXXX   partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have been faithfully paying on this account every month for years to XXXX. I was not aware that this account was reporting derogatory information until I recently obtained a copy of my credit report. I was never notified by XXXX that this account had been sold to another lender. It is clear that the new company who purchased this student loan debt was not applying the payments I was making monthly to XXXX. I have attached a copy of my statements showing my timely monthly payments. Consequently, because my monthly payments were not being applied correctly, this has caused the derogatory reporting on my credit report. I have contacted XXXX along with the bureaus to remove the collection/chargeoff and lates however, I have not been successful. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I was given an offer by Home Depot on-line - if I applied for a credit card I would receive a {$25.00} credit. The item I was purchasing would be {$25.00} less. It showed me the amount it would cost me. The offer is still up on the computer at this time at Home Depot. 

I had trouble getting my personal phone verified to have the application accepted and had to speak with a CSR. I have a copy of a " chat '' conversation with the CSR dated  XX/XX/20. I specifically asked when I would reieve the {$25.00} credit. In the " chat '' I was told it would show up on my FIRST statement!!!! 

I have recieved my first statement and it is not included. I have called the credit card company and was told on XX/XX/20 the problem was resolved and I would find the {$25.00} credit on my FIRST statement dated in XXXX. 

On XX/XX/20 I received my FIRST statement dated XX/XX/20 with a payment due XX/XX/20. I did not have the {$25.00} credit. 

I have emailed the Credit Card company and received an email this morning that shows my balance WITHOUT the {$25.00} credit applied. I called the credit card company XXXX this morning. I was told that I might not receive the {$25.00} credit for one to two billing cycles. I was also told that if I did not pay the full amount owed on my  statement I WOULD ( not could ) be charged interest on the {$25.00} amount that I should have been credited. They told me I MUST pay the full amount to not have any interest charged. 

Can you imagine how many people applied for this credit card and are being charged interest on an amount they never should have owed? The offer is right now on the Home Depot site. The offer is for {$25.00}, {$50.00} or a {$100.00}. For each one of these amounts the credit card is expecting to charge interest on the amount of the offer for one or two billing cycles. 

This is a copy of my chat - I have taken away full names and used only initials. 

XXXX : The {$25.00} promotion credit will be applied on your first statement. 
XXXX : It is showing that I owe {$94.00} - this is the wrong amount! When I get my statement it will then show the {$25.00} credit? Is this what you are telling me? 
XXXX : Are you still there? 
XXXX : Yes, I am still here. It takes a moment for me to see your messages. 
XXXX : That is correct. If your total is {$94.00}, the {$25.00} will be applied on your first statement. That would make the price {$69.00} on your first statement.

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 2020-05-19 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: CCS Financial Services, Inc.
State: AR

Complaint narrative:
A little less than 60 days ago I reached out the credit bureaus to inform them of my recent encounter of being a victim of identity theft. Repot number # XXXX which included several accounts including Credit Collection # XXXX and Access credit # XXXX. These accounts are still appearing on my credit file after these agencies have been notified by me as well as the bureaus. I never received any services or goods in relation from neither of these accounts and they were established from the direct result of identity fraud. It has been more than 30 days and no accurate verification has been made as per the Fair Credit Reporting Act nor the Fair Debt Collection Practice Act. I am familiar with the Health Insurance and Portability Act and its regulations protecting the privacy and security of certain medical information. My consumer rights continue to be violated as well my denial of future credit lines. I find this unacceptable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 we had two unauthorized transactions occur in our account. My wife 's debit card was hacked somewhere, but, we are not sure where. One transaction was for {$2200.00} that was pushed through XXXX. The other was for {$4500.00} to a vendor in Florida. We didn't notice the charges until Friday XX/XX/XXXX. By that point, XXXX had figured out that the transaction wasn't done by us and refunded the {$2200.00} to us on Thursday XX/XX/XXXX. We reported both activities to Bank of America on XX/XX/XXXX and a fraud claim was submitted at that point. The claim has now been denied twice by Bank of America. First we were told that we logged into our account on XX/XX/XXXX, but, didn't report it immediately. We obviously didn't see it until the next day and reported it immediately. We were then told that there wasn't an attempt to empty the account even though a total of {$6700.00} had been taken initially. The bank is still stating that this was an authorized transaction. We were able to get the info for the vendor and it's listed as an interior decoration business in FL ( We live in CA ). The phone number provided for the vendor doesn't receive calls and no one responds to the e-mail attempts at the address provided by Bank of America. If you google the phone number provided, FL escort services come up. We are basically being told that this was all authorized and we won't be getting the money back even though we are insisting that we didn't do this. It appears to be a clear violation of their posted fraud protection policy.

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 2020-05-19 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:
XXXX XXXX XXXX  and Transunion should not be reporting a collection/chargeoff or ( XXXX   ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have been faithfully paying on this account every month for years to XXXX. I was not aware that this account was reporting derogatory information until I recently obtained a copy of my credit report. I was never notified by XXXX that this account had been sold to another lender. It is clear that the new company who purchased this student loan debt was not applying the payments I was making monthly to XXXX. I have attached a copy of my statements showing my timely monthly payments. Consequently, because my monthly payments were not being applied correctly, this has caused the derogatory reporting on my credit report. I have contacted XXXX along with the bureaus to remove the collection/chargeoff and lates however, I have not been successful. This false reporting is seriously harming my credit score and this line item needs to be 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