vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX recently settled accounts personal line of credit XXXX XXXX settled XXXX XXXX XXXX XXXX XXXX settled XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Settled

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 2020-08-11 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 — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX XXXX recently settled accounts personal line of credit XXXX XXXXXXXX settled XXXX XXXX XXXX XXXX XXXX settled XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Settled

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: DISCOVER BANK
State: DE

Complaint narrative:
On XX/XX/2020 I purchased the software from XXXX for protection of my computer. When it was loaded into my computer I could not use Internet because that software started to block access by firewall. I had to remove the software in order to get access to the Internet. When I saw the charge on XX/XX/2020 I called Discover Card and disputed the charge. I did so after calling XXXX who told me that they know about this problem and I was supposed to contact their technical support in attempt to resolve the issue. First of all, I did not about their technical support because their e-mail did not notify me about existence of such support, and then they told me that my request was supposed to be within 30 days. My call ion XX/XX/2020 was exactly on the XXXX day. Since XXXX refused to give me a credit I called Discover card and disputed the charge. Discover card gave me a credit but then I received my new statement that charge of {$39.00} was again posted to our account on the same day of XX/XX/2020. When I called Discover card XX/XX/2020 I was told by Mr. XXXX from Ohio office that I was supposed to have a written confirmation from XXXX that their software prevented me from accessing Internet and that my call on XX/XX/2020 was on 31 first day which is not true because by legal standards counting starts on the following day and XXXX had 30 days span. Mr. XXXX refused to give us a credit for that merchandise which does not exist on my computer because it was faulty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I was notified from an ambulance company they would be attempting to collect money from me for services I did not request, and did not receive. They were on behalf of a minor child to my wife who I have no legal connection to other than marrying his mother. The ambulance was called to the scene of an accident by some stranger and the service was not needed and flat out REFUSED at the scene. My XXXX XXXX refused treatment and I was not even present on the scene at the time of the accident. On XX/XX/2020 I notified the ambulance that they needed to cease and desist billing me for this unwarranted service. The driver in the accident already worked out their bill with the ambulance service via their insurance company and they were the responsible party not the passengers. A soft copy of this letter to the ambulance company will be attached. 

This bill apparently was handed over to Commercial Acceptance Company who called me multiple times at my home. I called them directly to inform them of the issue with the original creditor and they threatened my credit report with collections activity if I didn't pay immediately. I stated I requested them to cease and desist, and I would be folliowing up in writing which I immediately wrote them a formal letter demanding they ceast and desist attempting to collect on this charge on XX/XX/2020. Now in XXXX XXXX XXXX, they have reported me to the credit bureaus following through on their threat of financial harm AFTER I fired them of their services. A soft copy of the letter directly to this agency will be attached I've today, XX/XX/2020 filed an online dispute with XXXX  and will continue to dispute this unwarranted charge via each bureau they attempt to extort me with. This is financial harassment for a debt that is not mine and I am not required to pay for services we refused, did not request and were not delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
This account is still on my credit report and is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: TN

Complaint narrative:
I HAVE DISPUTED ACCOUNTS THAT ARE NOT MY ACCOUNT WITH EXPERIAN ALMOST 5 TO 6 TIMES THEY HAVE FAIL TO REMOVE 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 2020-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX - made a {$300.00} payment to my credit card. 

XX/XX/XXXX - payment cleared my bank account, but card still shows no available credit though the balance owed has decreased by the payment amount. 

XX/XX/XXXX - call customer service to see when available credit will be updated. Rep advised there was a payment hold that wouldn't be released until XX/XX/XXXX. I asked if there was a way to remove the hold as the payment has already cleared my bank account. Rep states we can conference call with my bank for her to verify the payment has cleared, then she can manually remove the hold. She put me on hold, called XXXX bank, then connected me with XXXX but fell off the call herself. XXXX said he was advised by XXXX ( Capital One Rep ) that we wanted to verify the transaction but without her on the online he's just verifying it to me, which defeats the purpose of the call. So, I call Capital One Customer Service back, and the same rep, XXXX, answers but says it wasn't her - that was someone else and quickly transfers me. The NEW rep then tells me they can't call XXXX to do a verification to remove the hold, and I told her I was JUST on the phone with a representative who actually CALLED XXXX and connected us but then dropped off the line. She says again they don't do that, so I requested to speak to a supervisor. The supervisor comes on and says they used to do manual verifications and removals of the holds but due to Covid 19 volumes they aren't doing them now. I advised her about the rep I had JUST dealt with that went all the way through the process of actually calling XXXX then disconnecting, to which the supervisor then says she probably disconnected because she realized she wasn't supposed to do that anymore. In all this roundabout of misinformation and flat out lying as far as I'm concerned with the original rep the verification could have been done and hold removed. There were NO extended hold times or extraordinary notifications of place in line of the phone queue for either Capital One or XXXX to make it seem like this would be putting anyone out. Who IS put out is me trying to access my line of credit that I made a payment to in order to be able to use the card for a time-sensitive purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Union Home Mortgage Corp
State: IN

Complaint narrative:
Union Home Mortgage, actually using XXXX XXXX, IN branch has been delaying my mortgage process without excuses of me turning back the little or almost nothing they had to request me because I gave them more than they needed. I had have to extend contract with seller twice because since XX/XX/2020. The case has been in underwriting department for around a month and still is not going to USDA. I have to deliver my apartment because I did break my lease and paid a high fees for on XX/XX/XXXX, now they changed underwriter because it's known the one was working with the case was not doing it in timely fashion. Where is the ethic and supervision here? Now I am homeless with a minor cause of their irresponsibility. Paying high costs for this game that seems not end.

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 2020-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XXXX XX/XX/XXXX {$1500.00}. Sent request to remove debt on XX/XX/XXXX certified mail. No answer. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$710.00}. Currently under a payment plan to pay off debt XXXX XXXX XXXX XX/XX/XXXX {$60.00} currently on a payment plan to pay off. 

All these items needs to be removed from my credit.

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 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
While I was in the process of trying to rent an apartment my credit got pulled and I saw several things that did not belong to me on my credit report. Can these items please be removed from my credit report. XXXX  XXXX XXXX  XXXX  XXXX {$500.00} XXXX XXXX XXXX {$83.00} XXXX XXXX {$550000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$1100.00} XXXX XXXX {$73000.00} XXXX XXXX {$200.00} XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
While I was in the process of trying to rent an apartment my credit got pulled and I saw several things that did not belong to me on my credit report. Can these items please be removed from my credit report. XXXX  XXXX XXXX  XXXX  XXXX {$500.00} XXXX XXXX XXXX {$83.00} XXXX XXXX {$550000.00}

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 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
While I was in the process of trying to rent an apartment my credit got pulled and I saw several things that did not belong to me on my credit report. Can these items please be removed from my credit report. XXXX  XXXX XXXX  XXXX  XXXX {$500.00} XXXX XXXX XXXX {$83.00} XXXX XXXX {$550000.00}

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 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
This is in regards to a refund on our cancelled flight .We called XXXX XXXX at XXXX ( XXXX time ) and was on hold for a long time and have to hang up.Called again on XXXX XXXX at around XXXX and spoke to a representative who said she's connecting me to travel dept., was on hold for the rep for over an hour and the call dropped.Called on XXXX at XXXX US time and spoke to XXXX   who suggested to call back at XXXX Eastern time ( XXXX XXXX  CA time ) the next day. On XX/XX/XXXX, spoke to XXXX who cancelled the flight and told us that the money will be refunded back to original form of payment w/c is my US Bank flexperks travel rewards card. XXXX XXXX, talked to XXXX who said that the flight was already cancelled and to wait for 1-2 billing cycles to get the partial refund .XXXX  XXXX talked to XXXX who said it's still awaiting for the airline to give the refund.XXXX  XXXX talked to XXXX who said to wait another 4-6 weeks for the refund. XXXX XXXX talked to the supervisor, XXXX with ID # XXXX who did some updates and reporting on the computer on this issue. We told her that we are filing a complaint on this case because it's been almost 5 months and their representatives has been giving us different reassurances /info every time we called. It's been 5 days since our last conversation and no email or any sort of response hence we file this complaint. 
Thank you for your help and kind consideration on our behalf.

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 2020-08-11 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:
Please see attachments. Per FCRA regulations, please delete the fraudulent XXXX XXXX XXXX account from my credit report. My identity has been compromised and is being used to adversely affect my credit profile. TRANSUNION has been negligent in their efforts to address this matter. PLEASE COMPLY WITH FCRA REGULATIONS AND DELETE THIS ACCOUNT 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 2020-08-11 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: TN

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNT MANY TIMES THEY HAVE NOT PROVIDED ANY EVIDENCE

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 2020-08-11 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: TN

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNT THAT IS NOT MY ACCOUNT THEY HAVE NOT PROVIDED ANY EVIDENCE YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: MI

Complaint narrative:
Ive sent Equifax a certified letter, stating that the information on my credit report was inaccurate. I explained that I have never had a account with XXXX XXXX XXXX  & with a lender called XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
A foreign speaking man called my cellphone saying that he was a debt collector for United Collection Bureau and he was attempting to collect a medical dept. He provided an amount of {$180.00} and asked for my credit card information. I asked him to provide me with a callback number so that I can call back after I verify who he was because I do not give out my debit card number over the phone. He wanted to know why did I need to call him back because he was already on the phone. When I told him that I wanted to verify who he was, he asked how was I going to verify who he was and when was I going to call him back. I tried to explain to him that I've never received any written communication from his company concerning this debt or to even show proof that I had to pay his company. He hung up on me. His said that his name was XXXX. 


When I called the number back that was on the caller ID and explained to the other foreign speaking man, my voice was echoing in the background. I explained to him what had transpired between XXXX and I and that I would like for them to mail me some correspondence concerning the debt that they were trying to collect. He asked me for my mailing address. When I told him that he should already have my mailing address because he says that they are trying to collect a debt. He got flustered when I wouldn't provide him a mailing address showing proof that they are a collection agency and I owe them a debt. He also got flustered and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
At XXXX CST, XX/XX/2020 I received a phone call from XXXX. A woman asked my name, then began telling me I was recorded and wanted me to give her my card numbers to charge me for a sum of roughly XXXX dollars for medical debt at XXXX XXXX XXXX XXXX, and this was medicredit incorporated She did not verify my identity, or take steps to protect my privacy before revealing details.

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 2020-08-11 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: FL

Complaint narrative:
Please see attachments. Per FCRA regulations, please delete the fraudulent XXXX XXXX XXXX account from my credit report. My identity has been compromised and is being used to adversely affect my credit profile. EQUIFAX has been negligent in their efforts to address this matter. PLEASE COMPLY WITH FCRA REGULATIONS AND DELETE THIS ACCOUNT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$1100.00} XXXX XXXX {$73000.00} XXXX XXXX {$200.00} 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
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$1100.00} XXXX XXXX {$73000.00} XXXX XXXX {$200.00} 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
Consumer complaint received 2020-08-11 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: OK

Complaint narrative:
My credit report says that I am diseased and I can not access my credit report.This happened at XX/XX/20

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