vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-19 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: TN

Complaint narrative:
I sent a dispute disputing this account and this company failed to respond within the 30-45 days time frame. I requested for proof of documents because this account was to be paid off in full and is still incorrectly reporting and hindering the growth of my credit score.. XXXX has not responded or provided any type of documentation supporting this account.

Also this account is reporting every month negatively on my report dropping my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: TN

Complaint narrative:
I sent a dispute disputing this account and this company failed to respond within the 30-45 days time frame. I requested for proof of documents because this account was to be paid off in full and is still incorrectly reporting and hindering the growth of my credit score.. XXXX has not responded or provided any type of documentation supporting this account.

Also this account is reporting every month negatively on my report dropping my score.

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 2018-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. I'm the one who made currenty correction. If the twe countrys. I could name them an tell long it took me to do.date tI 'm everything. I even got prove. An my two old cell phones got stolen. That's how an also my mail. No court date came in. My emails got hack also XXXX XXXX. I need my life back I feel like this money could leave to my family being hurt. I need to do this fast please. An get out of town before bad thing happen.are happen. An I know Google an XXXX are in on it. Sorry do late better late then never.

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 2018-12-19 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: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX provided false credit information to XXXX, XXXX  during an application. They provided mistaken credit score and other fictitious information that led the company to deny me credit. A clear violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: MD

Complaint narrative:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX/XXXX XXXX, Chapter XXXX Bankruptcy Dismissed 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 2018-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
The company want allow me to access money from my accounts. They have accused me of writing two checks, they have accused me of fraud. The issue started at the end of XX/XX/2018, when my daughter realized that the debit card to one of my accounts was missing. We reported the card lost to the bank and the police, we filed two police reports one in XXXX, AL and one in XXXX, AL. A week later the bank tells my daughter that someone deposited two checks into the account. We went to the bank to let them know that the card was lost. The bank told us that because my daughter, who name is on the bank account should not have had my card, they would not be refunding the money to the account that the checks was made to and that they was taking the money that was in my other account to recover the overdraft from the other account. The bank stated that whoever put the checks into my account had the pin number the checks was deposit through the ATM, but when my daughter lost the card, the pin number was on the back of the card and she lost her driver id, that is all in the police report. I gave the bank the police report numbers and offered to have my job and my daughter job show time stamps, to prove that we were at work when this happened. I asked the representative at the bank how was someone able to withdraw {$3000.00} out of an account that only had {$25.00} in it. The bank statement shows that the person was able to take the majority of the money out of the account within two days, when usually if you put that big of a check into a regions account they make you wait 5 to 10 business for the check to process. The representative told me that they did not have control over what the ATM allowed a person to take out or put in. That when you put a check into the ATM you are allowed to take cash out under good faith that the check is real, this is in contrast to what they do when you bring a check into the bank and make you wait for the check to be processed for 5 to ten business day.

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 2018-12-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
XXXX has called my phone daily for over 5 years. This has resulted in thousands of phone calls to my phone. I am being harassed. I am not XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: MD

Complaint narrative:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed XXXX, Chapter XXXX Bankruptcy Dismissed 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 2018-12-19 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: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX has once again furnished ficticious and derogatory information to lender " XXXX ''. They provided a falsely low credit score and other false information as well, to assure a denial by XXXX, which they did.

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 2018-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
The calls started in early XX/XX/XXXX and I didnt speak with them until XX/XX/XXXX.

On XX/XX/2018 at XXXX, I received a call from XXXX XXXX an Account Manager from XXXX XXXX , XXXX . She explained a debt was placed in their office. THe debt that was placed in their office was originally held with the XXXX XXXX XXXX, another credit agency. I was resolved from the debt in XX/XX/2017 because the Bureaus could not verify that I owed the debt.

Although I explained the debt is not valid and since it can not be verified, it is removed from my credit report, they still call me and still send me letters.

I don't know how to keep them from reaching out to me about a debt I do not owe.

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 2018-12-19 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: Avantus, LLC
State: CA

Complaint narrative:
I have an unauthorized hard inquiry on my credit report Avantus LLC XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: TX

Complaint narrative:
THIS COMPANY IS CONTINUOUSLY REPORTING UNVALIDATED, INACCURATE, FRAUDULENT INFORMATION. I have contacted this company numerous times in the past about XXXX XXXX reporting UNVALIDATED, INACCURATE, FRAUDULENT information on my credit reports. I AM A VICTIM OF IDENTITY THEFT!! I EXPLAINED THIS TO BOTH THE COMPANY AND XXXX XXXX NUMEROUS TIES!! This company comes back with the information as being verified and accurate, yet they choose NOT to send me ANY proof thereof even though I repeatedly ask for it. How can you claim something as validated and accurate when you have NO proof thereof. On the most recent credit report they sent to me, they claim the disputed debt from XXXX XXXX was verified as accurate. How can that be the case when I have received a letter ( see attached ) from the same supposed original creditor who refutes what this company and XXXX XXXX claim. THIS IS A BLATANT AND PURPOSEFUL VIOLATION OF MY RIGHTS!! I WANT EVERY ENTRY FROM XXXX XXXX COMPLETELY AND PERMANENTLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY!! Then I want written PROOF that this has been done!!!

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 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Information that I have a current derogrtory account was falsely furnished to XXXX, when applying for credit. I have no current derogatory accounts and obviously old information was referenced to deny me credit, unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
Company I am having an endless problem with is Trident asset management, For years i have been trying to resolve this account and trident has stated that they were the only organization with the authority to remove a disputed debt, they withheld the fact that cfpb exists to help frustrated consumers and when I confronted a trident rep about this fact, they hung the phone up. -- -- The amount trident claims I owe is XXXX, which is completely incorrect. -- - The documentation sent to me regarding this debit is void of any detailed information and is inaccurate. The invoice starts with an amount of XXXX on XX/XX/2013 for previous charges, I have requested numerous times for a detailed account of what the previous charges are specifically for and trident has refused to disclose the information which appears they have no such information. -- -- The other charges on the invoice is for a reconnect charge on XX/XX/2013 for XXXX, my service was never disconnected nor reconnected. There is then an additional charge for XX/XX/XXXX to XX/XX/XXXX for a full months service at XXXX then another additional charge for XXXX for XX/XX/XXXX to XX/XX/XXXX again. -- - Then there is an additional charge of XXXX for an early termination fee, at no time was service ever terminated early, the residence which service was provided at, I had moved from and called to disconnect service. The information supplied gives no clear indication of what the debt is specifically for and is charging for services and issues that were never incurred. When I closed the account with XXXX they stated the account was closed and there were no issues, then somehow one year afterwards I started receiving this invalid debt collection from Trident and they have not supplied any substantive information to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Information that I have a current derogrtory account was falsely furnished to Citi, when applying for credit. I have no current derogatory accounts and obviously old information was referenced to deny me credit, unfairly.

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 2018-12-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from Citibank stating my personal credit card account has been closed as of XX/XX/XXXX. I have been a Citibank credit card account holder since XX/XX/XXXX with an excellent payment history. My account was current and in good standing. They also recently sent me a letter asking if I'd like my credit limit increased. When I went inside my branch in XXXX XXXX, CA, they offered me no explanation. As instructed in Citibank 's letter, I mailed a letter to them at the address they provided in the letter demanding a reason for the account closure. As of today 's date, XX/XX/XXXX, I have not gotten a written response from them. They are past the required 30-day timeframe the law states they must respond. I feel I have been unfairly discriminated against. I have a perfect payment history. I would like to sue them for violating my right to fair 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 2018-12-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I dispute that the last day of activity for XXXX XXXX XXXX account is incorrect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
While I was out of the country, my identity was stolen, including SSN, my home address, e.t.c., and based on the stolen information somebody applied and obtained credit card on my name, then got cash advance, transfer this money to someone's bank account, and withdraw cash in amount of {$6500.00}. When I returned to US and got credit card statement, I immediately notified Bank of America. Also I wanted to report to police but they refused to accept my complain without Bank of America affidavit. After several phone calls to the bank fraud department and 6 weeks of waiting I finally received from them the fraud statement form, filled it out and sent it to the address listed on the statement along with required paperwork. Today I received an answer from the Bank of America fraud department that my claim is not honored because they can not verify unauthorized money withdrawal. It is totally outrageous!

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 2018-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XX/XX/2018 Bank of America. I have 2 accounts with this Financial institution. I have a contract for construction and to securely pay a vendor per our contract agreement. I chose to pay this through online email XXXX money transfer as a secure way to log and track all payments for legal contractual purposes. I understand the maximum daily transfer is {$2500.00}. I chose to break the payment up into 2 payment. XX/XX/18 {$2500.00} XX/XX/18 {$1500.00} XXXX this payment has been put on hold and a fraud alert has been placed on my account ) I called to verify payment and was not allowed confirm the payment requested. 
This is the 2nd issue with this institution in a week, first with Bill pay services that has caused me a {$45.00} NSF fee and a potential warrant for lack of payment to Superior Court and now a payment. Now, This has caused me to potential breach a construction contract for payment. I requested an investigation into this institution and business practices. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mills Escrow Company
State: TX

Complaint narrative:
We had requested Mills Escrow Company to transfer XXXX XXXX accounts to a new servicing company XXXX XXXX on XX/XX/2018. 

We sent out a check certified mail to close out the accounts and it was received by Mills Escrow via the notification of the certified mail. Mills has stated that they could not find the check. Since they had not closed out the accounts I have asked them to take the close out fees from the lender income. 

Yet we are still waiting for them to be closed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: FL

Complaint narrative:
EXPERIAN IS NOT FOLLOWING THE LAW AND THEY ARE JUST USING THE XXXX SYSTEM FOR AUTOMATION! 


THE FOLLOWING PUBLIC RECORD BELOW IS COMPLETELY INACCURATE, INCOMPLETE AND NEEDS TO BE DELETED IMMEDIATELY! 

US BKPT CT FL XXXX # XXXX 1. THE COURT NAME IS WRONG 2. CONTACT ADDRESS IS MISSING 3. CONTACT PHONE NUMBER IS MISSING. 
4. The DATE FILED IS INCOMPLETE, MISSING THE DAY, ONLY SHOWS MONTH & YEAR 5.THE ADDRESS ASSOCIATE WITH THE PUBLIC RECORD IS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX FL XXXX IS INACCURATE BECAUSE THE APARTMENT NUMBER IS WRONG ALL INFORMATION MUST BE COMPLETELY 100 % 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 2018-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
I have an account reporting on my credit as bad debt. I have never authorized this account nor have I given anyone else permission. I have no knowledge to how my personal information was obtained. But I do know that this debt is not mine due to the fact that I never had services with this provider.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I asked in writing from Portfolio Recovery to provide proof os Substation back in XX/XX/XXXX. I waited for a response, both accounts were deleted from my credit report. I received a letter from them asking for substation again and I refused to ask again. A few weeks later they re-inserted onto my credit report. I did not receive notice that they were going to re-insert the debt back onto my credit report.

Company response to consumer: Closed with explanation