vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-21 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: SC

Complaint narrative:
In XX/XX/2018, a collections account showed up on my credit report from XXXX XXXX. I have never done business of any kind with XXXX. I immediately disputed the account with the credit bureau XXXX. The results came back saying the account was " valid. '' I was unable to get a real person from XXXX on the phone to address this issue. After doing my own research, apparently this is a famous problem with XXXX that has happened to many people, and neither XXXX nor the credit bureaus care to help resolve the situation. In my situation, the account is clearly either erroneous or fraudulent. Around that time, I did have some fraud and identity theft issues with someone attempting to open lines of credit in my name. This account may be the result of that. I've attached the only information I have about the account, which was reported by XXXX. Right now, the collection amount balance says {$4600.00}. The creditor address reported by XXXX is : XXXX XXXX XXXX XXXX, TX XXXX The creditor phone number reported by XXXX is ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian has failed to provide me with the information the company is using to verify the information that is being reported on my credit report is accurate. Experian has not responded to my request for information pertaining to the validity of the debt they are reporting to creditors on my behalf. Experian has placed a fraud alert on my report that I do not agree with or authorized. I have requested it removed in writing as well as per a telephone call yet the statement remains on my report despite my numerous efforts to have it removed. I have have sent numerous requests over the the past year for this company to provide only accurate information and I have been met with delay after delay and in many instances when I have sent request via mail I have received no response to my request or a response that has nothing to do with my specific request for specific information. Experian has indicated they have investigated the account and re-investigated it but has not provided me with any info on their investigation and has sent me a letter stating they will not re-investigate the information on my report,, but they have NOT sent me anything that supports their decision to have the account information on my report. I have sent the company a certified letter and a copy of the letter obtained directly from the bankruptcy court that indicates they have NOT provided them with the information they are reporting. EXPERIAN has failed to adhere to FCRA guidelines and provide me with the information requested in the time frame allotted per FCRA guidelines established via US government Some of the document numbers that I have sent in are # XXXX EXPERIAN IS ALSO REPORTING A FRAUD STATEMENT THAT i REQUESTED THEM NOT OT DUE THE FACT THAT IT CONTAINS PHONE NUMBERS THAT THE INDIVIDUALS THAT HAVE ACCESS TO MY IDENTITY ARE AWARE OF ... I DO NOT WANT THESE PHONE NUMBERS LISTED ON MY REPORT OR AS PART OF MY CREDIT STATEMENT. THIS IS NOT A STATEMENT FORM ME AND IT IS NOT ACCURATE AND I WANT THIS COMPANY TO CEASE AND DESIST USING THE STATEMENT AND STOP GIVING THE INFORMATION TO OTHER AGENCIES AS WELL.

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 2018-09-21 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 have old or out dated information appearing on my credit report that I need deleted/removed it is mot accurate. 
My name is XXXX XXXX XXXX please remove any variations of my name. 
My current employer THE XXXX XXXX XXXX XXXX The following addresses are not mine/inaccurate please delete : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
the company name XXXX XXXX XXXX calling themselves the debt collector for my Amex accounts calls me 3 times a day in my cell number, my girlfriends number and my work place number. I requested them not to call as i am having financial hardship and national debt relief is working on my behalf to help me debt free. but the person named XXXX won't listen. I told him i can not pay {$8700.00} and something they are asking all at once. he is just forcing me that its a one time deal and you dont get to pay this again. i told him the calls are disturbing me, its harassing me and making me depressed but he wont listen. the company and person named XXXX calls me 3 times a day in 3 phone numbers which is 9 times everyday for straight 7 days. I would like to request them to stop harassment as i am already facing hardship and can barely manage to pay monthly to my debt relief program i am enrolled in. If the harassment wont stop, i will like to file a lawsuit against the company for depression,  anxiety and threat.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: NY

Complaint narrative:
I have a derogatory claim on my credit report with XXXX and I would like to know what it is. I have never had any account with 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 2018-09-21 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 — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
My credit card number was used for several online purchases without my authorization. Here is the summary : XX/XX/2018 XXXX/Bill XXXX Ca - {$28.00} XX/XX/2018 XXXX XXXX/Bill XXXX Ca - {$6.00} XX/XX/2018 XXXX XXXX/Bill XXXX Ca - {$22.00} XX/XX/2018 XXXX XXXX XXXX XXXX Ca XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX {$9.00} I attempted to dispute this with 5/3 bank They closed the account, but then transferred these balances to my new credit card account. I had to call them three times to get a dispute started and even now I am not sure that they are investigating them. They indicated that they would look at them within the next 90 days, but that I would still have to pay interest on the purchases and that they might not issue a credit for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Broder Credit & Collection Service
State: NJ

Complaint narrative:
Broder Credit and Collections has called and hung up repeatedly, no message left. Tried calling back, no person, not even voicemail identifying the phone number as a business or even a person. The document dated XX/XX/2018, fails to identify the original creditor etc ; unlawfully shows fulls social security number, and also visible through envelope in violation of NJ Stat. Ann. 56:8-164 ( West 2005 ) prohibiting full exhibition of social security number. 
This company simply makes a demand be for money, encloses an envelope. 

A dispute was emailed to this company.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I've submitted several disputes on my XXXX Credit Report to get this resolved, and the only response I keep receiving is that my debt has been verified as mine. I am not disputing the fact that the debt is not mine, and Transworld Systems and XXXX   are not addressing the issue. I am disputing the amounts owed and wrongfully reported on my credit report because XXXX XXXX XXXX never billed my insurance company for my services, as you can see attached in my supporting documentation. I am disputing the amounts owed on my collections report by Transworld Systems Inc in the amounts of {$1700.00}, {$240.00}, {$100.00}, {$88.00}, {$79.00}, and {$66.00}. 

I have attached my log of correspondence with XXXX XXXX XXXX XXXX to make my medical claims to ensure that my insurance would be billed for these services, and also, a photo of my account with XXXX XXXX XXXX which shows that my insurance was never billed for my services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STERLING BANCORP
State: NY

Complaint narrative:
I am a customer at XXXX XXXX XXXX. OnXX/XX/XXXX, I  attempted to make an ATM withdrawal ( international ) for {$300.00}. The ATM machine froze and told me to try again later, and I did not receive the money. However the bank deducted the {$300.00} and recorded it as a withdrawal, but again I didnt receive the money. I spoke to the bank 's customer service and fraud departments, and they initiated a dispute on XX/XX/XXXX. It has been more than a week, and I have not received the funds or any updates on the dispute. I called the bank numerous times and they keep transferring me back and forth between customer service and fraud department, each of them saying that they do not handle that type of issue. Needless to say, it has been very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The problem is two fold. 
First you ( cfpb ) closed the complaint with Experian not addressing malfunctioning phone system, I tried after receiving your closed inquiring by calling XXXX, it still exists. It will not allow you to input menu options then disconnects. 
Second Experian stated incorrect information. Yes I am not employed, I AM RETIRED! I have income. I don't care if I was turned down for this loan. I am upset at the incorrect information and unable to contact. 
I have since my first complaint used automated systems to call banks, credit card companies, government agencies, and retail stores with no problems. The problem is Experian phone system.

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 2018-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: AL

Complaint narrative:
On XX/XX/2013, XXXX XXXX XXXX, XXXX, an apartment complex leased a unit showing me as a co-signer/guaranty on the lease. I did not authorize nor sign the guaranty. They did this without any identification. They have referred the debt to a collection agency who has put in on my credit report as in collections. I have disputed this to the collection agency as well as on my credit report ( XXXX XXXX ). I am trying to get a mortgage loan and I had to temporarily lift the dispute so that the mortgage company can get an accurate credit score. This account should not be on my credit report. I have written XXXX XXXX XXXX ( the collection agency XXXX XXXX XXXX, XXXX, XXXX XXXX ) and they have refused to remove the collection from my credit report. I sent them proof to show that this was not my signature and also my address on the guaranty was not correct. How can a company hold me responsible for a debt when they did not seek identification to certify the co-signer. The amount shown on the guaranty letter is XXXX but the amount on XXXX XXXX is XXXX. I am not responsible for this. The leasing agent was negligent in not securing identification and should not have processed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: CA

Complaint narrative:
I opened an XXXX XXXX credit care for a wash machine. I did research and returned to get the correct washer energy efficient. I was not credited correct. The appliance never shipped. I was told I could not get the proper washer my credit was tied up even though I never received the wrong washer it was cancelled. Citibank N.A. has refused to speak with me and said they can not identify me. I spent two hours at the store this morning. 
I have not slept. I was in tears and Citibank N.A. refused to help me. XXXX XXXX claims they are working with IT to fix the XXXX credit the shorted me to wipe out the cancelled order. I was told the items ship on Tuesday now I have to cancel M.D.  appointments. I have spent all day and night online researching this. I ask the store to call Citibank N.A. back that I was ill and can not keep returning and doing this. I was told to pay XXXX in cent I beleive which I did with ATM card. When I got home I went over the details again and called the store manager and complained that the total first order cancelled was XXXX and only credited XXXX I have suffered severe hardship and this is extremely upsetting. It took me a year to find this place due to ca. housing crises. I have to move from where I lived 18 years in 2014 ill and the place for 3 years did not work out. Like I said it took a year to find this place. I need to rest and get this resolved not treated awful to the point in tears. I do not beleive it is a deliver issues now Citibank later said it take 3 business days to clear up. They gave me the credit card. I can not keep comming back to the home depot. I have medical issues and this is awful mistreatment.

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 2018-09-21 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: IL

Complaint narrative:
On XX/XX/2018 I wrote to XXXX/XXXX in regards to them saying I owe them {$2000.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote XXXX/XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 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. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately.

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 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for a direct deposit balance transfer ( {$5000.00} ) online to my Bank of America Rewards Visa Signature - XXXX. The direct deposit has a 3 % balance transfer fee ( {$150.00} - 3 % of {$5000.00} ) and a promotional rate of 0 % APR until XX/XX/XXXX ; the Offer ID is XXXX. On XX/XX/XXXX, I incurred a interest charged of {$17.00} for direct deposit & cash advances at variable APR of 24.74 %. I called Bank of America on XX/XX/XXXX, and informed them they made an error on the APR and that I should have the promotional rate of 0 % APR. The customer service representative informed me that a manager will look into the issue and get back to me by Friday, XX/XX/XXXX and no later then Monday, XX/XX/XXXX. On XX/XX/XXXX, I called Bank of America for a status update and was told that another " manager '' will look into the issue and I should get a call back by Tuesday, XX/XX/XXXX. I did not receive a callback on Tuesday ( XX/XX/XXXX ) or Wednesday ( XX/XX/XXXX ). On Thursday, XX/XX/XXXX, I called and, again, was told that a manager will investigate the issue and will reach out to me by Monday, XX/XX/XXXX. I did not want to take another chance by waiting until Monday, XX/XX/XXXX. 

From XX/XX/XXXX and to date, I am being charged interest. I feel Bank of America is deliberately delaying the resolution while I am accruing interest while waiting for them to fix the error. I called in three times, described my situation to three different customer service representatives, and was lied three times when the issue will be resolved. I do not understand why they can not provide me a confirmed offer of 0 % APR ( Offer ID XXXX ) but insist on charging the high 24.74 % APR. I have never been late on making payments and part of Bank of America Preferred Rewards Platinum Honors.

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 2018-09-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: WI

Complaint narrative:
I have received frequent calls-multiple times a day from the company. I have not contacted as I have a third party contacting them and they refuse to stop. Today XX/XX/18 I spoke with a representative and they stated they would not stop contacting me until I set up a payment plan. I informed them I would not be doing that as I had a third party company and they stated, they do not work with them and I would be wasting my time. They continued to stated they were not harassing me with all these phone calls. They also reached out to family and friends ( some I had not spoken to in years ) to get a hold of me. They told them they are trying to get a hold of me as I have connections through those people..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 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: IL

Complaint narrative:
On XX/XX/2018 I wrote to XXXX/XXXX in regards to them saying I owe them {$2000.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote XXXX/XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 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. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately.

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 2018-09-21 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2018 I wrote to SYNCB/XXXX in regards to them saying I owe them {$2000.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote SYNCB/XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 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. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately.

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