vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported by MIDLAND FUNDING LLC in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$510.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with original creditor ( 01 XXXX XXXX XXXX XXXX XXXX ) and has been confirmed.. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claim and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: MI

Complaint narrative:
A THIRD DEBT COLLECTION AGENCY HAS APPEAR ON MY CREDIT REPORT ( XXXX & XXXX XXXX ) WHICH IS UNAUTHORIZED ACCOUNT.RECEIVABLES PERFORMANCE DEBT COLLECTION STATED I OWE {$370.00} TO XXXX XXXX WHICH WAS DELETED BACK IN XX/XX/XXXX DUE TO FRUADLENT ACCOUNT BY XXXX .THEY REQUEST THAT BOTH CREDIT REPORT COMPANY DELETE DUE UNFAIR LABOR PRACTICE AND IDENTITY THEFT.IN ACCORDANCE WITH FAIR DEBT COLLECTION PRACTICES ACT, I AM ASKING TO IMMEDIATELY STOP ALL COLLECTION ACTIVITES ABOUT THIS DEBT WHICH WAS FOUND FRAUDULET.XXXX   SHOW THIS DELETED ACCOUNT AGAIN AFTER IT WAS REMOVE THANKS TO XXXX XXXX XXXX HAD IT DISPUTE ACCOUNT NOT MINE.RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX , WA XXXX ... I FILE A DISPUTED WITH XXXX ALREAD WHICH CLAIM IT TAKE 30 DAY TO SETTLE.XXXX  XXXX XXXX & XXXX XXXX INVESTIGATED THIS CLAIMI AGAINST XXXX XX/XX/2018 FOUND ACCOUNT HISTORY NOT MINE.

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 2019-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USI Solutions Inc.
State: DE

Complaint narrative:
XX/XX/2019 about XXXX Debt collectors from USI Solutions in PA XXXX XXXX called my father in law asking for XXXX XXXX then asked for XXXX ( my wife ). XXXX and I both recd phone calls with voicemails from XXXX XXXX. XXXX called back XXXX was trying to collect old debt from over 10 yrs ago that was paid off. XXXX then transferred the call to XXXX XXXX claiming to be the regional manager.  XXXX right away tried to collect {$1000.00} to settle already paid debt. He said this was from when the economy dropped. He had no information and said the attorneys office where I paid was closed. I have no record of this on my credit report in bad debt. He said it could hurt my credit if I dont resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am having issues with addresses appearing on my file that do not belong to me! the following addresses are no mine please delete XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX MLK XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, OH 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
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Radius Global Solutions contacted my family ( brother ) in attempt to collect a debt. Their # is XXXX. The person who called was named XXXX. He called on Tuesday XXXX around XXXX. 
They were dishonest and asked my brother for my number even though they had my number. They also said he was listed as a contact ... this is not true, I have NEVER list my brother as a contact as we have a strained relationship. My brother did not give them any information and called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$510.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with original creditor ( 01 XXXX   XXXX XXXX  XXXX XXXX ) and has been confirmed.. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claim and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2019-04-09 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: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$510.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with original creditor ( 01 XXXX XXXX XXXX XXXX XXXX ) and has been confirmed.. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claim and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: CA

Complaint narrative:
many XXXX  accounts were opened under my name fraudulently, i have been very stressed and out of ordinary. please help me out with this situation. 
i will be attaching my police report and FTC report.the FTC report will have all the accounts that are reporting inaccurately on equifax credit bureau. 
these accounts were opened fraudulently and with out my knowledge. 
please have these accounts removed, please help me to have these removed from equifax which they are not helpful at all. 
i have been disputing and providing all the necessary documents, but no response or even care from them. they have not been helpful at all. 
thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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: MO

Complaint narrative:
I'm disputing the following accounts due to my identity being compromised years ago and it's still haunting to me when I see my credit report. My credit report is filled with unauthorized and unknown accounts. The following accounts I'm demanding to be removed from my credit report, ( 1 ) XXXX XXXX, ( 2 ) XXXX   XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX XXXX {$130.00}, {$370.00}, ( 5 ) XXXX XXXX XXXX {$1000.00}, ( 6 ) XXXX XXXX XXXX {$51.00}, {$240.00}, {$120.00}, please remove these accounts immediately.

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 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am having issues with addresses appearing on my file that do not belong to me! the following addresses are no mine please delete ASAP. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX MLK XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, I applied for a secured Citibank Credit Card and was approved and submitted bank account information for the collateral. The {$200.00} deposit was debited from my account on XX/XX/XXXX and obtained an update the following week from " Application Status '' page that the card was mailed onXX/XX/XXXX and would be sent within 7 - 10 days. I called on XX/XX/2019 as I had not received the card asking that the card be expedited as I had not received the prior card. The representative initially told me that they could not expedite new card. I explained that the new card was never received and it was past the 10 days. I asked to speak to the supervisor and the rep placed me on a very long wait with just silence. I thought the call dropped and I called back and the system said that replacement card will be sent through express delivery. I called again today to obtain tracking number and the system states that the card was mailed on XX/XX/XXXX and will be delivered to my address XX/XX/XXXX. In speaking with the merchant rep, I was told the card was mailed through US mail even though your automated system says otherwise. 

I am frustrated as I had to be transferred to different departments and getting a run around for a card where I made a deposit on. I have been inconvenienced as I had to wait for about a month for this card. I satisfied the requirement to make the deposit while Citibank continues to give me misinformation. I am requesting remediation for the 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 2019-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation
State: NE

Complaint narrative:
I began receiving phone calls on my cell phone XXXX XXXX XXXX, which then was followed by repeated calls to my business phone number ( approximately 6-8 in the past two weeks ). 

The message I received is a pre-recorded message, which is always the same : " Hello we have an important message from XXXX XXXX XXXX XXXXXXXX XXXX this is call from a debt collector. Please call XXXX. Again that phone number is XXXX. Thank you. '' I have no outstanding debts and no reason for them to be calling. I have not taken the call directly nor have I spoken to them. I would just like the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: CITIBANK, N.A.
State: GA

Complaint narrative:
1-I used Citi simplicity Card once to pay the amount of {$790.00} to XXXX XXXX XXXX on XXXX XXXX. I requested the Refund from XXXX for the same amount on the same date. 
2-XXXX sent the refund amount of {$790.00} back on the card on XXXX XXXX. Citi Credit Card disputed with the XXXX on the same date XXXX XXXX and according to XXXX statement the amount of {$790.00} was sent back on the card two times on the same date, one as a Refund and other as a Dispute. The refund reference number from XXXX is : XXXX. 
3- I have been billed by XXXX for the amount of {$1300.00} I do not owe : I contacted the Credit Card Company to resolve the problem Citi Card is stating that the refund was sent back by XXXX only once and it was reversed. On the other hand, XXXX is saying that the initial payment made on XXXX XXXX was not received at all by XXXX because a refund and a dispute was done on the same date and XXXX statement reflects two-time payment on the XXXX Credit Card for the amount of {$790.00} for each transaction. ( The total amount is : {$1500.00} .XXXX gave me a discount of {$200.00} and I am billed for the amount of {$1300.00} ) I will be faxing the billing statements from XXXX homeowners insurance.

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 2019-04-09 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: MO

Complaint narrative:
I'm disputing the following accounts due to my identity being compromised years ago and it's still haunting to me when I see my credit report. My credit report is filled with unauthorized and unknown accounts. The following accounts I'm demanding to be removed from my credit report, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX XXXX {$130.00}, {$370.00}, ( 5 ) XXXX XXXX XXXX {$1000.00}, ( 6 ) XXXX XXXX XXXX {$51.00}, {$240.00}, {$120.00}, please remove these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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: MO

Complaint narrative:
I'm disputing the following accounts due to my identity being compromised years ago and it's still haunting to me when I see my credit report. My credit report is filled with unauthorized and unknown accounts. The following accounts I'm demanding to be removed from my credit report, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX XXXX {$130.00}, {$370.00}, ( 5 ) XXXX XXXX XXXX {$1000.00}, ( 6 ) XXXX XXXX  XXXX {$51.00}, {$240.00}, {$120.00}, please remove these accounts immediately.

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 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have been battling with Equifax for months concerning this last name that do not belong to me. I sent in all the proper documentation showing my name and address. I have requested Equifax to remove and update my name and address and Equifax refuse to correct this incorrect information. XXXX XXXX is not my name and there is a new address on my report that do not belong to me. XXXX XXXX XXXX, XXXX, Ohio XXXX. I sent in my social security card and a copy of my utility bill with my Nevada residency which I have been a residency for years. My name is XXXX XXXX and I live at XXXX XXXX XXXX, XXXX XXXX, nevada XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: DISCOVER BANK
State: NV

Complaint narrative:
On my credit report there is a debt that reports every month from Discover in the amount of {$1400.00} I have tried to pay this debt, I thought I owed for the past four to five months. I contacted Discover Financial Services/ Discover Bank from XX/XX/XXXX to the last contact on XX/XX/XXXX. I am told that they wrote the debt off and a XXXX was issued. ( I am including a copy of the XXXX ). Discover states each time I call them they will not take my money to pay off the debt. But every month they report to all three credit bureaus that I owe them the debt. So how can they report that I owe them money but they wont take my money?????? Someone please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: TX

Complaint narrative:
I feel that my credit is bad due to no updated information. My credit shows that it is about 3 months behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX ( Please see page 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX case # XXXX They have closed the complaint incorrectly that I opened this credit card with them when I was not living in the state of XXXX  at the time, but was living in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XX/XX/2018, wrote secure message to close checking account. Couple days later called to confirm account was in fact closed. However, for the past several months, I have been receiving emails notifying me of statement availability suggesting that the account is not closed.

Company response to consumer: Closed with explanation