vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 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: FL

Complaint narrative:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 
Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. Because I dont recognize these debts.

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 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
OnXX/XX/XXXX XXXX garden used my card twice for XXXX. They refunded one and cancelled the other purchase for the inconvenience. The problem was there was a XXXX dollar purchase from XXXX. The manager there and I called AMX bluebird together to get this resolved. She gave them all the transaction ID numbers stated that there was no XXXX dollar purchase. When I filed with the bank I told them this was fraud and I would like to use my fraud protection. They argued that since I had previous gave them my info for a room it was not fraud. I told them I didn't understand I never gave permission for a XXXX dollar purchase. They said I could file for an investigation so I did on XX/XX/19. I called and checked on status and asked if I could file for my fraud protection now and they said I requested a refund and did not file fraud. I am currently on hold with them for over XXXX because I asked to speak to supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
My name is : XXXX XXXX. I am one of costumers of Bank of America. I sent wir transfer money from my I account that have bank of America, down town branch located in XXXX MN. to account of my nephew at XXXX XXXX in XXXX. That was supposed to reach my nephew and my sister his mother in 24 hours. the date was XX/XX/2019. But, up to now the money was delivered to people that I sent to. After, ten days my branch bankers told me they will send message to bank in XXXX to return the money. Again up to now money was not returned to me. The only option is to give me information, that I am legally entitled : which to give me answers WHY? that is happening? Because, if there is any reason why my is kept. None was given to me. Whenever I call wire transfer office of Bank of America. Or physically, I go to the branch, they say " We don't have any responses from XXXX XX/XX/XXXX. When my nephew and sister go to XXXX in XXXX, they told them " We don't have that money, the sender should to bank of America, the will give you answers. So, for me all this is ill treatment. I want justice. I believe this is not the way deserve. It is responsibility of bank of America to give one of two options : 1 ) - Return my money if it not delivered. 
2 ) - Give information, why that happening if there is any reason or issue. 
Because, Bank America is the company that I trusted as bank and handed my money. But they are mistreating me. I lost time and money because of what I was trying to do with this money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to remove my consumer statement an fraud alert from my credit report, Please remove it permanently. Thank you.

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 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to remove my consumer statement an fraud alert from my credit report, Please remove it permanently. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis
State: GA

Complaint narrative:
I want to remove my consumer statement an fraud alert from my credit report, Please remove it permanently. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
I want to remove my consumer statement an fraud alert from my credit report, Please remove it permanently. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
I want to remove my consumer statement an fraud alert from my credit report, Please remove it permanently. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
A few months ago I discovered an account on my credit from XXXX XXXX XXXX. I reached out to the company immediately because I had never heard from them before and the account according to my credit said it was for a veterinary bill- I don't own any pets. 

They removed the account but apparently they sold the account to a company called M Leonard Associates whom also placed the account on my credit without contacting me first. I sent them a letter as well and the unknown account came on my credit while I was in the middle of financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I have been accused of being evicted from an apartment community that I have NEVER lived in. XXXX XXXX has reported an eviction on my credit report since XX/XX/2016. Again I have never stayed in this community. The also gave my information to a company ( National Credit Systems ) without my permission and they continue to destroy my credit report with a collection. I have tried to speak with them on this matter but no one seems to want to help or show any documents roving that I was evicted from an apartment community called XXXX XXXX in XXXX N.C.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
This car was purchased on XX/XX/2016 which was by my ex- husband. At the time of the purchase we were divorced. I NEVER consented to this purchase. I have reached out to XXXX XXXX or Bridgecrest several times ; however they refuse to remove me from this loan. I have reached out to XXXX XXXX to get the original documents with the real signature ; however all they have is the digital copy which is complete fraud. I have attached the divorce documentation as well as a copy of the digitally signed purchase agreement that I was able to get from XXXX XXXX. In order to keep holding me accountable ; I need the original documents with my signature ( which they will not find ). This should be removed my credit file ( which is not in bad standing ) if they can not prove that I walked into XXXX XXXX and physically signed this document ( which I didn't ).

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 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: GA

Complaint narrative:
I want to remove my consumer statement an fraud alert from my credit report, Please remove it permanently. Thank you.

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 2020-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I have been banking with SunTrust for many years and on XX/XX/XXXX, I tried to log into my account to review my account balance and I was not able to gain access via online banking. I then visited my local SunTrust branch and was told that the bank had frozen and blocked the account. The bank representative explained that the bank was no longer allowing any transaction to be paid against the account. 

I then asked the bank representative how long will it take before the bank would be releasing the remaining funds of {$2700.00} and was given an estimate of about 15 days, which the representative said was the usual amount of time after an account is closed, before a check is mailed out for the outstanding balance. However, to this day ( XX/XX/XXXX ), I have not received my money and although I have tried several times to ask about it, I can not get the bank to confirm a release date for my money and they will not give a time line. Today, on XX/XX/XXXX, I even went back to my local branch and the representative I spoke with called SunTrust 's fraud division and informed me that the funds were being held " indefinitely. '' She said the department representative, who would not talk with me personally, did not offer a specific day, just indefinitely. 

I have not defrauded the bank in any way and I don't feel that I should not be given my money that the bank is holding. There is also nothing going through and I believe they can see that. I have given the bank sufficient time to ensure any transactions that I made against the account have cleared through the 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 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Clarity Services
State: GA

Complaint narrative:
I want to remove my consumer statement an fraud alert from my credit report, Please remove it permanently. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc.
State: GA

Complaint narrative:
I want to remove my consumer statement an fraud alert from my credit report, Please remove it permanently. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: OH

Complaint narrative:
I reached out to this company via phone around XX/XX/2019 to request validation of debt that showed up on my credit report, Aargon account # XXXX. I ave never done business with Aargon nor had any communication from this company prior. They were unable to provide me with the information. I then receive a letter in the mail dated XX/XX/2019 from Aargon that states if they receive a written request within 30 days of this notice they will then request verification from the original creditor. Not only did Aagron furnish information on my credit report without notifying me and giving me the opportunity to dispute but they also have done so without properly validating said debt. They should already have this information prior to reporting to the credit bureaus. This would explain why they couldn't validate the debt when I called previously. If Aargon Collection Agency can not provide proper validation on this debt, it needs to be removed from all credit reporting agencies including XXXX, XXXX and 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 2020-01-09 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019, I went to XXXX XXXX in XXXX to inquire about a used vehicle for sale. I explained my financial situation and credit issues with my sales agent. He went to his manager. He then asked if his manager could " pull my credit ''. I said the manager could. I was denied a loan due to my credit report. Later, I found that XXXX has " shopped me around '' to several lenders without my verbal or written consent and worse, without my knowledge at all. This has impacted my credit terribly and has resulted in reduced credit rating, denials, higher interest, higher premiums, etc. XXXX has no permission to do such a thing. I contacted the XXXX  about this and XXXX lied and was indifferent about what they had done to me. This can not be legal. XXXX   should NEVER be allowed to shop a customer around and have several lenders pull HARD INQUIRIES on an unsuspecting customer. Can you help 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 2020-01-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2019, I went to XXXX XXXX in XXXX to inquire about a used vehicle for sale. I explained my financial situation and credit issues with my sales agent. He went to his manager. He then asked if his manager could " pull my credit ''. I said the manager could. I was denied a loan due to my credit report. Later, I found that XXXX has " shopped me around '' to several lenders without my verbal or written consent and worse, without my knowledge at all. This has impacted my credit terribly and has resulted in reduced credit rating, denials, higher interest, higher premiums, etc. XXXX has no permission to do such a thing. I contacted the XXXX  about this and XXXX lied and was indifferent about what they had done to me. This can not be legal. XXXX   should NEVER be allowed to shop a customer around and have several lenders pull HARD INQUIRIES on an unsuspecting customer. Can you help 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 2020-01-09 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: CA

Complaint narrative:
please find attached the XXXX XXXX letter received by me after requesting to have the derogatory marks to be removed due to their mistake. please have all the major credit reporting agencies update as never late and remove the derogatory marks from their reports. 
thank you

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 2020-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
Company - XXXX XXXX/XXXX XXXX XXXX - original acct # XXXX was paid by auto payment. XXXX XXXX switched to a new acct # XXXX and billed for the same thing again - double billing. I called XXXX XXXX on XXXX at XXXX and spoke to XXXX who said she could not assist that I had to call XXXX. So, at XXXX I was speaking to XXXX who was finally able to speak with me AFTER a passcode was created. She advised about an early cancellation fee that I finally agreed to after you refused to waive even though it was because of death ( thank you so much for your consideration by the way ). She removed auto-pay and said they would bill for {$150.00} after XXXX minutes on the phone ( order # XXXX ). Another call at XXXX on XXXX, XXXX states the account is still active and open so he transferred to the cancellation department from which I was disconnected after XXXX mins. XXXX, I was speaking to XXXX after being on hold for XXXX mins. He said to disregard the bill that he spoke with XXXX and I owe nothing. XX/XX/XXXX, direct chat with XXXX XXXX and XXXX XXXX, XXXX states that he would fix. 

XXXX XXXX then sent me to collections with Credence Resource Management. Credence NEVER contacted me that I was no in collections - I only found out because of an alert. I sent them proof that I did not owe. They in turn did nothing but send to XXXX XXXX who stated it was owed. Credence then reported me to XXXX XXXX. I sent them proof that the debt was not owed and all they did was send the dispute to Credence who stated it was owed. Neither Credence nor XXXX  did due diligence in this problem. I did speak to an attorney who didn't recommend paying but I was concerned they would start hounding me through work so I paid. I have waited patiently for both to do the right thing and both refuse. 

On the documents that I have attached, you will see they auto deducted and then billed again. When they created the new account #, they changed the billing months by a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations

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 2020-01-09 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations

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 2020-01-09 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: NY

Complaint narrative:
Today XX/XX/2020 I received a copy of my equifax credit report from my dispute. I am uploading the incorrect information. First off this account has monthly payments each month. It is showing an empty box of no payment last received. 2nd issue isnt the last payment was not on XXXX I make payments every month. Next my balance is not {$4700.00} it is less than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: IL

Complaint narrative:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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