vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-13 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: PA

Complaint narrative:
On XXXX XXXX, " XXXX XXXX '' called my wife 's phone from a disguised number which later would n't work when I attempted to call back to verify my complaint was being handled at that company which I believe is against the law to spoof numbers ( XXXX ) at XXXX and started to try to collect a debt for an XXXX bill I 've disputed several times as identity theft and never told me my mini miranda rights until several minutes into the call. After I advised him this was under dispute for identity theft he still tried to collect the debt by insisting on giving me the alleged balance due. I was n't disputing the balance, but rather the debt itself. I then asked for a manager and got " XXXX XXXX ''. He refused to acknowledge the bad training and the illegal contact and was determined to justify his rep trying to collect the debt after being told of the dispute. I asked several times for his manager ( 5 times ) before he placed me on a long hold for his manager " XXXX XXXX ''. XXXX XXXX did n't mini miranda me, but his manager XXXX XXXX did. This company made this experience very frustrating and extended as the call took dozens of minutes, disrupting my whole night with my family. XXXX XXXX XXXX was aware of my identity theft claim, but rather than work with me, they keep working to have new agencies collect this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On, XXXX XXXX, 2017 Equifax admit it discovered the breach more than a month prior on XXXX XXXX. For " 41 '' days my Intellectual Property ( IP ) were exposed to, and were unaware of potential identity theft during that time. Equifax gathers private intellectual data also known as sensitive financial data on consumers ' payment history, then sells data to banks, insurance companies, potential employers, landlords, and government agencies in the form of a Consumer Credit Report ( " Credit Report '' ). As a result of Equifax 's data breaches, I have suffered or will suffer damages, including the costs associated with fraudulent purchases, identity theft, theft of funds, fees paid for credit freezes, damage to credit scores, the cost of identity theft protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
My Identity information has previously been compromised and used to open several accounts and inquiries without my permission. These are just some if the accounts that were opened in which I do n't recognize. 

National Credit Systems- XXXX XXXX Apartments Date Opened- XXXX/XXXX/XXXX amount owed- XXXX This a Fraudulent account and I want it removed from my credit file with all three credit bureaus XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: KY

Complaint narrative:
I went to get a car loan and Transunion is still showing my mortgage is delinquent when it is actually current, but since this is the only company the car loan people had access to, they could n't accept any other company 's reports.

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 2017-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I disputed a charge on my Bank of America ( " B of A '' ) Visa Card for an online purchase. Upon receipt of the product, it turned out to be a recurring billing scam by a merchant that had been repeatedly shut down through FTC enforcement action. I disputed the charge with B of A and initially was given a temporary credit. A month later, I received a letter in the mail dated several days earlier and giving me just a few days to respond or the charge was to be reversed and placed back on my credit card. 


I do not believe this is in line with the Fair Credit Billing Act ( " FCBA '' ) which permits reasonable time to resolve disputes. In particular, when a credit card issuer finds in favor of a merchant, at least ten days is required between the time an adverse decision is made and the consumer may respond further. Here, that was not afforded to me in violation of 15 U.S.C. 1666. This  is evidenced by the fact that the date on the letter itself is only seven days prior to a 'deadline ' to have responded. B of A shut down the investigation before I had time to respond to the merchant as set forth in the code. 


Next I tried to exercise my 'claims and defenses ' remedy and no one at B of A even knows what that is. Specifically I am deprived of my right under the Truth in Lending Act, Reg. Z, 12 C.F.R. 1026.12 Special credit card provisions, which permits me to withhold payment of unpaid amounts. Every one of the B of A representatives, as well as multiple supervisors, have no idea about this right and insist that I have exhausted all avenues to dispute this bill. I state to them I am not again exercising the 'billing error ' portion of my claim, but now a claim that this is an outright fraud which has been adequately demonstrated to B of A, and for which B of A is holder in due course of the alleged debt. The time frame is one year, not 60 or 90 days, depending on who one speaks with at B of A.

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 2017-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Hello I am wondering why my Kohls and Cabelas account show up as Derogatory information on my credit report. My Kohls card I use and pay off so I do n't know why they should harm my credit score. My Cabelas account should be closed, I do n't even have a card for it anymore. I called Cabelas the  first week in XXXX 2017 and asked them if I still had an open account with them, I gave them all my information and they told me that they had no account with that information anymore. So I took that as my account was closed and no longer active. That should not be harming my credit score. I have no balance, I have had no late payments, nothing. Can  you please help me get these off my account as something bad. Yes I have a lot of student loans, but I pay them. I do n't need an account I do n't even have harming my score for the future. Please help. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: DC

Complaint narrative:
I tried contacting Nelnet on XXXX XXXX, XXXX via correspondence USPS tracking number XXXX. The late payment dates for XXXX XXXX to XXXX XXXX ; XXXX XXXX to XXXX XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: TX

Complaint narrative:
I have submitted several written requests to Experian Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this fraudulent information on my report. They have consistently ignored my request for proof and stated that the items were " verified ''. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal Law.

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 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I tried contacting XXXX on XXXX XXXX, XXXX via correspondence USPS tracking number XXXX. The late payment dates for XXXX XXXX to XXXX XXXX ; XXXX XXXX to XXXX XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment 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 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I tried contacting XXXX on XX/XX/XXXX via correspondence USPS tracking number XXXX. The late payment dates for XX/XX/XXXX to XX/XX/XXXX ; XX/XX/XXXX to XX/XX/XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I tried contacting XXXX on XX/XX/XXXX via correspondence USPS tracking number XXXX. The late payment dates for XX/XX/XXXXto XX/XX/XXXX ; XX/XX/XXXX to XX/XX/XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment 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 2017-11-13 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: TX

Complaint narrative:
I have submitted several written requests to TransUnion Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this fraudulent information on my report. They have consistently ignored my request for proof and stated that the items were " verified ''. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal Law.

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 2017-11-13 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: BYL Collection Services
State: AZ

Complaint narrative:
BYL Sevices furnished derogatory information to XXXX XXXX and XXXX. BYL Services did so without notifying me 30 days prior to, or no later than 30 days after such furnishing. BYL Services violated a statue of the Fair Credit Reporting Act, section 623, subsection ( 7 ) ( A ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: TX

Complaint narrative:
I have submitted several written requests to Equifax Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this fraudulent information on my report. They have consistently ignored my request for proof and stated that the items were " verified ''. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES
State: DC

Complaint narrative:
I contacted Great Lakes on XX/XX/XXXX in reference to two alleged late payments on XX/XX/XXXX ( 30 Days ) and XX/XX/XXXX ( 90 Days ). I reviewed the information that was provided to me by Great Lakes and I disagree with this information reporting via XXXX, XXXX, and XXXX. 

I never was late on these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: FL

Complaint narrative:
I have attempted multiple times within the past 4 months to correct multiple collection agencies reporting the same debt with Transunion and XXXX. I filed a dispute with both Transunion and XXXX to correct this problem and validate which collection agency is still actively collecting the debt. They have refused to remove the double reporting of the same debt, from the original creditor XXXX at XXXX XXXX, by multiple collection agencies. The two collection agencies reporting the same debt as active and open are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as $ {$11000.00} and also the following collection agency XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as {$8500.00}. The original creditor for this debt is XXXX at XXXX XXXX. This double reporting is a violation of FCRA and should be corrected by these credit reporting agencies as it is very adversely effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Santander is trying to collect a debt and reporting negative information to my credit report for an account that that been paid in full by XXXX XXXX auto insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have contacted the Credit Reporting Agencies about the hard inquiries on my credit report and have been told to contact the companies who requested the report and to have them deleted. I called XXXX XXXX XXXX XXXX and have been told they do no delete hard inquiries even though I did not authorize the inquiry. I called back Transunion to advise them of the statement from XXXX XXXX XXXX XXXX. I have disputed and written letters and I have been continuously told by Transunion the hard inquiry will not be deleted even though I did not authorize anyone to check my credit file. I am asking for your help because I am given the same answer which is not fair to me as the credit when I did not not ask for the hard inquiry with XXXX XXXX XXXX XXXX. I have continued to request a deletion to no avail. Please advise if you can assist me with 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 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I contacted XXXX XXXX on XX/XX/XXXX in reference to two alleged late payments on XX/XX/XXXX ( 30 Days ) and XX/XX/XXXX ( 90 Days ). I reviewed the information that was provided to me by XXXX XXXX and I disagree with this information reporting via Transunion, XXXX, and XXXX. 

I never was late on these 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 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I contacted XXXX XXXX on XX/XX/XXXX in reference to two alleged late payments on XX/XX/XXXX ( 30 Days ) and XX/XX/XXXX ( 90 Days ). I reviewed the information that was provided to me by XXXX XXXX and I disagree with this information reporting via XXXX, Equifax, and XXXX. 

I never was late on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX. I called Bank of America to transfer money from my saving account to my mortgage. I was given a confirmation number afterwards, I had enough money in my saving account to make my mortgage payment. I was told by several Bank of America Supervisors that I had taken the proper steps, my payment was intentionally posted on XX/XX/XXXX, which they intentionally tried to make late on my mortgage for XX/XX/XXXX and XXXX XXXX, I had never been late or missed a payment. I had requested for it to be paid on XX/XX/XXXX. My mortgage payment was reverse to Bank of America bank account. Please refund {$770.00} towards my XX/XX/XXXX mortgage payment so that it can be paid in full. My instructions were n't followed as a valuable customer. I am requesting that you investigate my mortgage payment to see where it went and pay for my arbitration. I no longer want to be a customer of Bank of America. They are horrible. From a scale to 1-10. I give them a zero. Their customer service is extremely horrible. Bank of America had not attended to resolve any issues.

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 2017-11-13 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: IL

Complaint narrative:
In XXXX of XXXX, I received a call from a collection agency about an unpaid account with XXXX XXXX that was set up with my social security number. XXXX determined it was a case of fraud. I was advised to file a police report ( see attachment ). On XX/XX/XXXX I received an e-mail from XXXX stating that they notified Experian, XXXX, and XXXX. It stated that it would take 30 -90 days for the fraudulent account to be removed from my credit report. In XXXX of XXXX, I was completing a yearly free credit check and noticed that the unpaid account is still showing up on all three credit reporting agencies. I called XXXX and a similar email was sent on XX/XX/XXXX. Both emails are attached.

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 2017-11-13 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: AZ

Complaint narrative:
I am a victim of identity theft and has XXXX accounts and XXXX hard inquiry thats not mine. The following accounts are fraudulent, unauthorized, stolen and lost : XXXX  XXXX/XXXX/XXXX, {$3.00}, XXXX XXXX DC, XXXX/XXXX/XXXX, {$380.00}, the following hard inquiry is not mine : XXXX XXXX XXXX, XXXX/XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation