vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-15 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: SC

Complaint narrative:
There are several accounts on my credit report in error. I ask that they be investigated into and then the credit bureau takes the next appropriate actions.

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 2020-11-15 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: SC

Complaint narrative:
There are several accounts on my credit report in error. I ask that they be investigated into and then the credit bureau takes the next appropriate actions.

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 2020-11-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am receiving california unemployment benefits. They get deposited into a prepaid XXXX bank of America card. On XX/XX/20 there was a total of {$1100.00} taken from my account in multiple transactions all from state of California edd unemployment. I first contacted bank of America who claimed they can not deposit or withdraw money from these edd cards and that the unemployment office has complete control of the edd cards so i need to contact them. So i contacted California edd and they told me they have no record of these withdrawals and that they can not withdraw money from the edd cards only deposit it so I need to contact bank of America again. I then contacted Bank of America again and told them what I was told by the unemployment office and at that time the call was dropped. I have tried contacting bank of America multiple times since then and everytime i give them my information and state why I'm calling i either get hung up on or i get put on hold for hours and no one comes back on the line. I have tried contacting them 11 times since the first call was dropped. The money still has not been put back into my account

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 2020-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings
State: WA

Complaint narrative:
They stated the loan was mine but that's impossible I was in the hospital dealing with XXXX XXXX and XXXX XXXX as I had my eye removed at XXXX XXXX XXXX XXXX XXXX MD on the date dates I was told I applied for loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Re : Disbuting Alleged Late Payment on Credit Card SYNCB/AMAZON PLCC XXXX XXXX XXXX XXXX, FLORIDA XXXX XX/XX/XXXX Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX DATE REPORTED Individual Account Revolving Account CHARGE ACCOUNT Balance : {$0.00} Company named above claims that I paid the balance 30 days late. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that paid my balance late in XX/XX/XXXX. 
This company has failed to show, what item or service I paid late for. How or what item or service was purchased and paid late for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation, since the account was opened in XXXX ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items and/or using their credit card ; 4. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such late payment reporting. Thus failed to do so. 

It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : 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 non-monetary relief
Consumer complaint received 2020-11-15 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: IL

Complaint narrative:
i have requested proof of ownership of an account from XXXX XXXX from Equifax. this account belongs to a XXXX XXXX and filed in her bankruptcy. however they are still reporting this account on my report with no proof. the amount is {$8800.00}, i have sent certified letters stating these facts since XX/XX/2020 and no answers to this date XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been an American Express Card Member for 37 years and I have the black Centurion card, the fees for which are {$5000.00} a year. I am a loyal Amex cardholder, but even for me, Amex has not followed the settlement procedure laid out in the Fair Credit Billing Act ( 1974 ). The Act states : " The creditor shall ... send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement. '' Amex did not do this. 
I discovered a fraudulent charge I had no knowledge of for {$200.00} on my card which I put into dispute. American Express contacted the vendor ( XXXX  ) but did not carry out its own investigation. It simply stated ( see attached letter ) that " the merchant has advised that the charge is valid ''. If this were to be recognized as a valid reason for denying a claim, then there would be no need for Amex to carry out the independent investigation which is required by law - it could just accept the word of the vendor in every claim. In its response, Amex also requests me to contact the vendor to resolve the issue. But even the contact information the vendor provides is false. It provides contact information for a third party ( who tells you to contact XXXX ) - not for XXXX itself. Amex did not even research the validity of the contact information it suggests I use to resolve the dispute. No investigation was carried out by Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On Sunday XX/XX/XXXX I checked my Experian report and these false accounts that have been disputed three times are still reporting. I have sent three certified letters to Experian to correct, remove and provide verification and proof within 15 days they have ignored. 

XXXX XXXX XXXX XXXX accounts all say they are current when they have been closed for years if they are mine I do not recognize them. This gives me multiple late payments. I called and spoke with XXXX fir an hour last week and he promised the would be removed and they are still there. 

Further on the XXXX XXXX IT is missing required information such as balance, status and amount owed as well as date of first delinquency and date of last activity. Further the status date was not when I have disputed it is dated XXXX!!?!? NO INVESTIGATION HAS EVER BEEN DONE SO MUST DELETE! 

XXXX XXXX ACCOUNT also says CURRENT when if it is mine I dont recognize it was listed as closed a XXXX. FURTHER AND SHOCKINGLY it has the DATE OPENED XX/XX/XXXX AFTER THE STATUS DATE AND THE balance updated??!?! CLEARLY FALSE INFO MUST BE DELETED! 

XXXX ACCOUNT IS ALSO LISTED AS CURRENT AND IS MISSING CRITICAL INFORMATION SUCH AS date of last activity date of first delinquency and it was also never investigated as required and lied about by Experian because the status date us three years ago!! Must delete! 

XXXX XXXX account has been disputed multiple times because it is TOO OLD TO REPORT AS THE DARE OF FIRSTDEMI QUENCY WAS iver 7.5 years ago. The payment schedule has NO DATA FOR THAT TIME PERIOD AND THE STATUS UPDATE IS Five YEARS AGO! DELETE FOR TOO OLD AND FOR LYING ABOUT-INVESTIGATION AND DELETE!!!

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 2020-11-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian has failed to provide proof of investigation for an account listed as XXXX XXXX XXXX on my credit report. XXXX is in litigation due to deception. The account was settled and the company was found at fault. The account has been removed from 2 other bureaus. I have asked Experian to provide proof of reinvestigation and they haven't. Instead Experian updated my account as unchanged without showing proof of investigation. 

Under the Fair Credit Reporting Act Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in the consumer 's file if the consumer alleges the item to be inaccurate. 

There are two XXXX accounts reporting on my credit report with the same account numbers but different opened dates.

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 2020-11-15 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: Birchwood Credit Services, Inc.
State: ME

Complaint narrative:
Birchwood company had ran my credit to where there is a hard inquiry on my credit report & I did not give permission to them or the company XXXX saving that goes through Birchwood to run my credit I have sent letters to them & have contacted both places & I am getting no place this happened back in XX/XX/2020 & I have been fighting to have it removed from my credit reports since then. This is my credit reports that is been being messed with & I want that inquiry removed ASAP thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
upon checking my credit report i realized there is a collection agent trying to collect a debt that i have no knowledge of i have never signed a contract with them nor have i entered any electronic signature with them nor any of there affiliates

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 2020-11-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
In XX/XX/XXXX someone took a loan out online using my personal information with Speedy Cash, a payday loan company. The amount due was $ XXXXI was first informed of this when I received a past due bill. I called them and let them know it wasn't me. They said I would need to file a police report. My local police told me since it was an online crime to file with Identytheft.gov which I did. I sent information to them and Speedy Cash in XXXX XXXXSInce then they have turned this account over to collections. I went back to local police in XX/XX/XXXX and filed police report. They never let me know any information about the account other than the amount due. I never signed for any loan with Speedy Cash. I have since retained an attorney to try and rectify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TX

Complaint narrative:
Us bank reliacard has frozen my account it's going on two months and now I'm getting evicted given them all documents they needed and still nothing I called everyday and nobody seems to care what I'm going thru I need my funds they have no right to do that to me just because I did some disputes I wished they would if told me

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 2020-11-15 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:
My XXXX XXXX XXXX is showing a charge off status on my credit report even after I have settled the debt. On XX/XX/2020 I submitted a dispute online to have my account updated to paid as agreed. Instead of updating my account, I received a response saying that my account was verified as accurate. Since I did not get the results that I was asking for, on XX/XX/2020 I called XXXX XXXX  customer service number XXXX and I asked the representative if she could update my account to paid as agreed and she was extremely rude and disrespectful. She told me that she was not able to update my account. After asking her why she gave me a number to call ( XXXX ) an was unable to get through on this number to speak with anyone regarding my account. The representative did not answer any of my questions that I asked. This charge off account is preventing me from purchasing my first home and I can not believe that even after satisfying this debt, I am still being punished on my credit report. Please help!

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 2020-11-15 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 a account on my credit file so to fraud and Im sending in my identity report because the credit breau advise me to send it in do to someone got hold of my information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NV

Complaint narrative:
It is XX/XX/XXXX and I am in the process of purchasing a home and my " credit score '' has taken a 150 point hit due to a collection/derogatory mark for a {$59.00} ERC Collection. I have never made a " late payment '' nor had anything turned over to collections. My loan company was able to see that the {$59.00} debt was with XXXX XXXX. I currently reside in XXXX XXXX and have since XXXX. XXXX XXXX/XXXX/XXXX does not offer services in my area. I reached out to XXXX XXXX and they could not find an account based on my phone number or address. We reviewed all my past address ' and they found one from XXXX that an " account '' had been set-up but service had never been provided. They could not see ANY MONEY due or any debt owed to them. They told me to file a fraud charge " after '' contacting the collection agency ERC. I contacted ERC and they found the {$59.00} for my address in XXXX. They could not provide ANY information from it as they said they purchased the debt from another debt agency. I have never received any communications with regards to this " debt '' and do not know what it is for considering I NEVER had service with XXXX XXXX/XXXX/XXXX. All contact with ERC and XXXX XXXX happened on Thursday XX/XX/XXXX. It has been over 6 years and I have NEVER received notification of money owed nor direct contact from a collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Due to the pandemic, Barclay 's wanted to run promotions that were relevant to the new conditions we found ourselves in, which included running a promotion for XXXX XXXX. I happen to be a fan of XXXX XXXX so it was a win/win. Around XX/XX/2020, I received an email from Barclay 's with the new promotion that stated " Take-out never tasted so good-get a {$20.00} statement credit '' I have attached an image of the promotion as well. But in short, all I needed to do was make 3 purchases with XXXX XXXX and I will get a statement credit for {$20.00}. I made the purchases and it has been 5 months and I have yet to receive the bonus. 

I have contacted Barclay 's directly several times about this. The representatives I got on the phone made it clear that it is a known issue within the department and I will receive the bonus within 7 business days of the call. I last called a month ago and still, nothing.

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 2020-11-15 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:
, i have requested proof of ownership of an account from XXXX XXXX Auto from transunion and XXXX and still have not received any proof. however they are still reporting this account on my report with no proof. the amount is about {$9000.00}, i have sent certified letters stating these facts since XX/XX/2020 and no answers to this date XX/XX/2020.

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 2020-11-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over, 45 days later, I have yet to receive a response. I feel as if I am being taken advantage of and/or being ignored throughout my dispute process. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 45 days. Therefore, these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this lengthy process has caused me. My information was also impacted by the Equifax data breach and may have been placed in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
on my credit report there is a company trying to collect over XXXX dollars from me i have no idea who this company is or where have i ever signed a contract or agreement with them nor any of there affiliates

Company response to consumer: Closed with explanation