vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-18 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: I.C. System, Inc.
State: MI

Complaint narrative:
I have sent three letters to each credit bureau disputing a new collection on my credit report. I have even included a previous settlement letter and they still continue to report the collection from XX/XX/2020, IC systems. 
This account was settled by the first collection agency who settled the account for less than full balance, credence resource management. 
The original creditor was XXXX XXXX XXXX. 
IC system is the second collections agency. I have tried calling XXXX, XXXX, and IC systems ... their lack of communication has kept this inaccurate information on my credit report. 
I have just disputed a third time on this account through the credit bureau. I have also sent the proper documents of settlement to IC systems showing the account number for XXXX XXXX XXXX  as settled. They clearly can not read account numbers! The bureaus have done the same, they have deliberately overlooked the paper I have sent in with each dispute. 
I also am working with the Michigan attorney general in this matter! 
Is it illegal to collect on a debt twice, once the first collection agency settled on a specified amount? How did IC systems get this info to try to charge me the difference?

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 2020-07-18 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: NV

Complaint narrative:
These are not my accounts. Please remove them from my credit profile.

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 2020-07-18 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: NV

Complaint narrative:
These are not my accounts. Please remove them from my credit profile.

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 2020-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I booked with XXXX XXXX thru XXXX using Citicard on XXXX XX/XX/2020. Due to pandemic, the park was closed during my stay. It is taking a while to refund so I disputed with Citi. They decided on merchant 's favor for no reason given to me. So I tried to reach out to XXXX XXXX. I spent so much because it's international call but no luck. I almost give up but finally was able to get a hold of them thru XXXX. They said that they could not refund my money because I/Paypal already took it. I appealed to Citi and told them what happened. They still favored the merchant. Why?? So where is my money? If XXXX said they don't have it and Citi never returned it back to me? Then where is the money? Who do I turn to if both merchant and card company do not want to help me. I want to give up but {$450.00} is a lot of money for a struggling consumer like me. Why big corp like XXXX and Citi take advantage of small people?!

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 2020-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2019 I lost my job due to a misunderstanding with my director. While I was trying to get things back on track I filed for unemployment and started to receive a benefit in XXXX. I had bills to catch up on and XXXX children to take care of. Capital one sent paperless bills during that time but never thought it would be wise to maybe call regarding the drastic account change they were planning. After getting stable despite XXXX  I wanted to make things right. I called Capital one in XXXX and made them aware of my repayment plan. No one said the account was closed but open for repayment only. On XX/XX/XXXX, I called and asked why my online account said restricted and the agent could not help. I called again by that next Monday and that is when a supervisor said my card has been closed despite my efforts to pay up now. Apparently restricted really means closed but no one disclosed that. Honestly, I found information on XXXX where Capital one does this over and over to people.Overall, I dont think this is reasonable or even ethical for a business to treat a customer like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX,2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-07-18 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: AL

Complaint narrative:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX,2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: AL

Complaint narrative:
Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-07-18 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: TN

Complaint narrative:
I sent an Express Mail on XXXX XXXX2020 to Experian using the United States Postal Service to request a Method of Verification on a Dispute Results which I received on XXXX XXXX,2020 on File Number XXXX on a Collection Account by XXXX XXXX Account Number XXXX 

The Collection Account Displayed a Balance of {$450.00} and a Past Due Amount of {$450.00} which is an Inaccuracy Negative Information Reporting ...

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 2020-07-18 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: AL

Complaint narrative:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: NE

Complaint narrative:
The are reporting a collection account with XXXX XXXX bank in the amount of {$19000.00} on my Equifax and XXXX  credit report. This is not my account. I have disputed this account several times with the credit bureaus and the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Obtaining credit should be based on legitimate factors such as your expenses, debt, income, or your credit history ; it should not be based on arbitrary factors such as your race, religion, sex, or other personal characteristics. Lending discrimination occurs when a creditor takes certain protected personal characteristics into account to deny credit or to impose unfair terms or conditions on loans. The federal Equal Credit Opportunity Act ( ECOA ) prohibits creditors from discriminating on the basis of race, religion, sex, familial status, national origin, age, and applicant 's use of public assistance. 

Consumer 's Rights under the ECOA The ECOA entitles you to an equal opportunity to obtain credit, but it does not entitle you to the credit itself. Factors such as your credit history, expenses, debt, and income determine a denial or approval. The ECOA applies to banks, financial institutions, credit card companies, or anyone else engaged in granting credit and requires creditors to engage in certain policies and practices. For example, when you apply for credit, a creditor may not  ask you to reveal your race, sex, national origin, religion, or whether you receive public assistance income. As I have discussed in previous conversations and I do with many business I am a XXXX, Female, woman of XXXX descendants ( Making small talk ). 

I had two accounts XXXX XXXX VISA and XXXX Mastercard both paid on time and never late. After sending out the documents requesting I was approved only to find out that the XXXX XXXX   VISA was closed about a week later and the XXXX Mastercard was closed XXXX XXXX. No explanation for the closing of my accounts were sent and in fact, I understand that Credit Card companies are currently able to close at free will. 

My concern is that Comenity Bank and its affiliates Comenity Capital Bank sends me the same bogus letter ( I have enclosed the letter ) almost two years after they chose to close the two above mentioned accounts. I have reported this to CFPB before but since then the Bank has chosen to retaliate against me. Is there a good reason why this bank is currently getting special treatment above the law on lending? And if so would you please send me the documentation pertaining to it?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I authorized an agent at a BMW retailer to check my qualification status for a loan on a trade-in. The agent then proceeded to pull my credit 4 times, from four different lenders without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: NE

Complaint narrative:
The are reporting a collection account with XXXX XXXX XXXX  in the amount of {$19000.00} on my XXXX  and Transunion   credit report. This is not my account. I have disputed this account several times with the credit bureaus and the creditor.

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 2020-07-18 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: Santander Consumer USA Holdings Inc.
State: NE

Complaint narrative:
The are reporting a collection account with Santander Consumer bank in the amount of {$19000.00} on my XXXX  and XXXX credit report. This is not my account. I have disputed this account several times with the credit bureaus and the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: Global Lending Services LLC
State: FL

Complaint narrative:
I authorized an agent at a XXXX retailer to check my qualification status for a loan on a trade-in. The agent then proceeded to pull my credit 4 times, from four different lenders without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: CA

Complaint narrative:
On the XXXX of XXXX, I received an " Potentially Negative - Major Derogatory '' alert via the XXXX XXXX. The " Potentially Negative - Major Derogatory '' was a bill for an ER  visit on XXXX XXXX   2019, that was approved and paid for by the Veterans Administration. I contact the Veterans Administration ( VA ) on the XXXX of XXXX, and they contacted ( along with me on the phone ) XXXX XXXX XXXX XXXX XXXX and told them that the account was paid in full. The VA  representative provided them with the details ( check number, date sent via EFT, and the amount ) of the payment however, XXXX XXXX XXXX XXXX XXXX in conjunction, with the phone call asked me to provide them with a letter as discussed in the phone call. I sent my statement with the summary of VA payment indicating with service was paid in full. On the XXXX of XXXX, I submitted a credit dispute via Experian ( Report Number XXXX ) Experian and was told on the XXXX of XXXX that results " remain '' - Negative. I provided Experian with " Summary of VA Payment '' with my dispute so I am surprised that they let this stand. 
Therefore, I am requesting assistance since I don't what else to do especially since the VA states that ; " The provider may not bill me or my health insurance carrier for any services that were authorize and paid by the VA. ''

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 2020-07-18 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: Credit Plus Inc
State: FL

Complaint narrative:
Creditors performed hard inquiries for mortgages on my credit profiles. I lost my wallet with access to all my personal information in XX/XX/2020. I have since placed a Fraud Alert on my consumer profile. I was not contacted prior to my credit being pulled, nor did I authorize the company to pull my credit. Please verify the application for credit and show me proof that I indeed applied, or please remove these inquiries from my credit profile as they are hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Creditors performed hard inquiries for mortgages on my credit profiles. I lost my wallet with access to all my personal information in XX/XX/2020. I have since placed a Fraud Alert on my consumer profile. I was not contacted prior to my credit being pulled, nor did I authorize the company to pull my credit. Please verify the application for credit and show me proof that I indeed applied, or please remove these inquiries from my credit profile as they are hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Creditors performed hard inquiries for mortgages on my credit profiles. I lost my wallet with access to all my personal information in XX/XX/2020. I have since placed a Fraud Alert on my consumer profile. I was not contacted prior to my credit being pulled, nor did I authorize the company to pull my credit. Please verify the application for credit and show me proof that I indeed applied, or please remove these inquiries from my credit profile as they are hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Identity theft. This loan is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: Credit Plus Inc
State: FL

Complaint narrative:
My identity and credit card information was compromised, and several inquiries and credit accounts were created without my knowledge or consent. I have placed a Fraud alert on my credit profile as of XX/XX/2020, however the following creditors requested hard inquiries for my credit report. Please verify and prove to me that I did in fact apply for credit, or please remove the hard inquiry effective immediately as it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
Today I received an inquiry from swiss colony where I was the receiver and not the buyer, My sister was ordering a gift towel set for me from there but did not use my SSN, just my name and address and somehow swiss colony pulled my credit report instead of hers.

Company response to consumer: Closed with explanation