vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Since 2016, I have been contacted by XXXX XXXX XXXX XXXX XXXX, about a debt collection item. During which time, they have called me numerous times per week and have sent several written communications attempting to collect on this debt, even after being asked to cease efforts. 

For over two years I have requested the below information, yet XXXX XXXX XXXX has not provided one item of proof that this account belongs to me. In addition, they have continued to harass me with phone calls and physical mail sent between 2-4 times per week.

I asked for this information, which is my right, yet they have failed to provide me with any of the items.

1. Copy of the original contract bearing my signature that shows I agreed to pay what you say I owe. 
2. What the money is owed for.

3. Proof of XXXX XXXX XXXX assessed and calculated the outstanding debt. 
4. Payment history from the original creditor.

5. Proof that they carry a bond.

6. Proof that they are licensed to collect in my state of residence ( California ).

7. Proof of license numbers and Registered Agent or Agent of Service. 

To this date, I have not received any of the requested information that is my right under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. 

They have consistently violated Debt Collection Practices and I'm now filing formal complaints with the Consumer Financial Protection Bureau, as well as the California Office of the Attorney General. I also have hired an attorney to help in my efforts. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: Duvera Billing Services, LLC
State: CA

Complaint narrative:
Numerous times I have contacted both the collection company and the credit reporting agencies that incorrectly report this account that is clearly identity theft. I have never chosen to do business with this company and when I called them to report the identity theft as most collection companies do, they laughed it off. 

As required by the FCRA and identity theft laws This account should be reported as identity theft and removed immediately from all credit bureaus and less the company can miraculously provide definitive proof the count to belongs to me. 

I have been falsely threatened and accused by this debt collection company less threatened to tell coworkers or file legal action that could result in criminal prosecution. 

As stated before I am the victim of identity theft and not the criminal in this company should be XXXX XXXX from such actions against victims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: On-Site Manager, Inc.
State: FL

Complaint narrative:
I applied for an apartment and was denied because my credit report states " civil action for possession under landlord tenant records. 
The rental property was in my parents name when I was in high school and the rent was only paid late. We have the documentation that states it was dismissed by the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a card theft, somebody stooled my card number and they been taking a lot of money from my account, arount 18000 dollars, I check my statement every month approx. and I found this a few months ago, I made the claim four times now with no good result, they just say that I still the money my self and of course not, I already made a police report but they just says that I have to wait for a investigator to investigate my case and I paid another investigator already to help me with no success yet so am just keep looking for help and am desperate don't know what to do, I know my account has a rob protection but they just denied the credit and they says that I have to find and show them evidence to prove that am not the one took the money so they will give me my money back, but how I can do that nobody helps my I hope am on the success way with 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 monetary relief
Consumer complaint received 2018-02-17 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: GA

Complaint narrative:
Equifax, XXXX, and XXXX  will not remove a collection account from my file that I have disputed since I discovered it on my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX placed a Collection account on my credit files for {$1800.00} on behalf of XXXX XXXX. The account has been on my credit profile since XX/XX/XXXX. 

I have disputed this over and over since XX/XX/XXXX. The credit bureaus continue to say they have already " validated the debt '' in a previous dispute and they refuse to contact the original creditor and dispute the claim correctly. 

I have reported this to the original creditor years ago as a fraudulent account. XXXX still sent the account to a collection agency knowing I was disputing the fact that the account was even mine in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: NV

Complaint narrative:
In XX/XX/XXXXmy son opened up a XXXX XXXX credit card. Several years later he put me on the account as a signer. ( during those years Best Buy sold those accounts to three different banks ) My son attempted to take me off the account as a signer in late XX/XX/XXXXand was advised that this account was now a joint account and I could not be taken off. He wrote to XXXX XXXX and adived them that this joint account status was incorrect and asked for them to supply proof that both my son and I signed the application when the account was opened. 
XXXX XXXX wrote back and advised that they purchsed the assets from XXXX XXXX XXXX in XX/XX/XXXXand they had no proof that the account was a joint account as they could not locate a copy of the credit application. 

My son became XXXX in XX/XX/XXXX and I am his full time caregiver. My son stopped paying this and other bills as he is now XXXX. 

I need to keep my credit rating up and this mistake has hurt my credit scores on all the reporting agencies. I understand that the full amount on the account, about {$24000.00} was charged off last month. 

I understand that the Fair Credit Reporting Act says that the reporting agencies must show proof of the various claims or take the negitive comments off the report. Clearly in this case this has not happened.

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 2018-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
Criminal background check has an address in Florida, I have never resided there and a felony conviction that was in 2010 has and continues to affect employment for me. I have been a law abiding citizen since. I need this looked into so that I can get better jobs in my future. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had deposited money in to my account where I had to be logged on to my online banking which allows the doors to my private accounts I had in my portfolio to be accessed when I went and deposited the checks and everything went fine and I did my deposit just fine and also have my SER number on my receipt meaning the checks were good and there is money in my account that the money is coming out of. I put money in my debit account for me to use and my money went in there but they were telling me when they had checked the account when I was logged off they say they didn't get any information to the check pretainting that it even existed meaning they weren't able to pull up the account because its in my portfolio and I must have been logged of when they were checking the check to see if there was money in there. There was around {>= $1,000,000} in there as the best to my knowledge. Anyways they seen the amount of money me as a custome had in my Private Portfolio and they probably thought something else. I had money in my Portfolio and I have all my account number that only I can access and bank of America has no way of accessing it unless im logged on. I inherited from the Father of the XXXX XXXX XXXX XXXX XXXX and they were probably shocked of probably seeing my inheritance. Anyways they cancelled both of my debit cards out and they deleted my entire online banking which I know I have my account numbers and they are all in the VAULT. Ill have FBI pull my accounts out of the Vault but these guys or someone Forced Closed Accounts and deleted my entire online banking access as if I have passed away. I have my Force Close off Statements and what they put in the Consumer reports is false saying they had to close my accounts because I was in the negative. I've gone to every bank and tried opening an account with them and they are telling me they are not able to open a bank account with them because of what's in the consumer report. Bank of America has put in two false reports in the consumer reports and they need to be removed because they are not true and its being a ruin in my life. My life has came to a hault and nothing seems to be moving because what Bank of America has done to 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 2018-02-17 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: CA

Complaint narrative:
Numerous times I have contacted both the collection company and the credit reporting agencies that incorrectly report this account that is clearly identity theft. I have never chosen to do business with this company and when I called them to report the identity theft as most collection companies do, they laughed it off. 

As required by the FCRA and identity theft laws This account should be reported as identity theft and removed immediately from all credit bureaus and less the company can miraculously provide definitive proof the count to belongs to me. 

I have been falsely threatened and accused by this debt collection company less threatened to tell coworkers or file legal action that could result in criminal prosecution. 

As stated before I am the victim of identity theft and not the criminal in this company should be XXXX XXXX from such actions against victims.

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 2018-02-17 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: CA

Complaint narrative:
Numerous times I have contacted both the collection company and the credit reporting agencies that incorrectly report this account that is clearly identity theft. I have never chosen to do business with this company and when I called them to report the identity theft as most collection companies do, they laughed it off. 

As required by the FCRA and identity theft laws This account should be reported as identity theft and removed immediately from all credit bureaus and less the company can miraculously provide definitive proof the count to belongs to me. 

I have been falsely threatened and accused by this debt collection company less threatened to tell coworkers or file legal action that could result in criminal prosecution. 

As stated before I am the victim of identity theft and not the criminal in this company should be XXXX XXXX from such actions against victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
They are inquires on my credit report that I do not recognized. Never authorize or given my signed signature for my credit to be acces by these creditors. Wrote all these creditors XX/XX/XX/XX/XXXX, XX/XX/ XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX and requested that they provide document with my signature and reason they accessed my credit report without my written consent. None of them replied back. This is frustrating and each day I loose sleep. This ordeal is affecting my marriage. Im the small guy and nobody care about my concern.

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 2018-02-17 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: Trojan Professional Services, Inc.
State: CA

Complaint narrative:
For a very long time I have made efforts in getting rid of a collection account or the medical that does not belong to me. Its clearly showing on the report the last reporting date was in XX/XX/XXXXand the company has failed to adequately provide me with documentation that the count actually belongs to me. The original that was in XX/XX/XXXXand I would be happy to view any signed paperwork by myself and a copy of any adequate identification that was provided during the transaction. Of course this does not exist in the account should be removed Immediately as required by law and the rules at Set fort for ID theft victims

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17 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: CA

Complaint narrative:
For a very long time I have made efforts in getting rid of a collection account or the medical that does not belong to me. Its clearly showing on the report the last reporting date was in XX/XX/XXXX and the company has failed to adequately provide me with documentation that the count actually belongs to me. The original that was in XX/XX/XXXX and I would be happy to view any signed paperwork by myself and a copy of any adequate identification that was provided during the transaction. Of course this does not exist in the account should be removed Immediately as required by law and the rules at Set fort for ID theft victims

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 2018-02-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
Ad Astra Recovery Services is currently reporting on my credit reports for XXXX XXXX, the loan was assigned XX/XX/XXXX, I disputed it XX/XX/XXXX, the amount is showing XXXX, I have never done business with Ad Astra and I never had a contract with them, before I changed numbers they contacted me saying I was committing a crime and a warrant would be issued for my arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I've had a XXXX XXXX XXXX credit card for several years. I made a purchase for {$23.00} on XX/XX/XXXX. In XX/XX/XXXX, I discovered I was a couple days late making my payment and called their customer service on XX/XX/XXXX. The representative said as a one-time courtesy, they would remove the late fee of {$23.00} plus {$1.00} interest from my account if I made my payment right away. I made my payment of {$23.00} on-line, and trusted that the issue was resolved that day. 

I routinely pay my credit card balance in full, and I received no correspondence ( mail, email, or phone ) about the late fee NOT being reversed as was promised. Because the representative had not reversed the fee, I discovered today ( XX/XX/XXXX ) that after I paid my balance, not only was the late fee/interest not reversed, but I was charged {$24.00} on XX/XX/XXXX plus interest and {$29.00} plus interest on XX/XX/XXXX. The total in late fees and interest is now a balance of {$81.00}, even after my balance of {$23.00} was fully paid on XX/XX/XXXX. This does not seem fair or accurate to me, as the customer. 

I believe the company allowed these late fees and interest rates to compound, without contacting me by phone or email, as it is to their advantage to charge the customer more. This is completely unethical. I have had a consistently high credit rating, and trusted that this issue would be resolved by calling XXXX XXXX today -- however, they wish for me to submit information to their billing dispute department to resolve this. 

The issue at the heart of this is that their representative didn't follow through with what she promised, and now I'm required to prove this. This should not be left to me as the consumer to correct -- the company needs to take responsibility for this failure of follow-through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reached out to All credit bureaus some have refused my request to dispute the unauthorized inquiries on my credit profile. 
I have asked them to investigate. 
Transunion employees told me they don't investigate disputes, They told me I have to reach out to the creditor to obtain a letter of deletion. After reaching out to the creditors they told me I have to call the credit bureaus and request a dispute. So I recontacted the Credit Bureaus and attempted to get them to honor my request to check out the unauthorized inquiries. They continue to give me the runaround and hanging up in my face 3 times. 

XXXX started off giving me a run around for my request. Telling me to reach out the creditor. By telling them I already have done this and a threat of contacting CFPB they open disputes. But when I go to the dispute center in XXXX it seems as if they doubled up on disputes and missed out on a couple of disputes in the date range of XX/XX/2017 to XX/XX/2017. 

XXXX has also given me the run around still waiting on a call back for them to finish addressing this issue with the Inquires ... 

I want is for these credit bureaus to do is follow the law validate these unauthorized inquiries and show me documentation of there validation. A binding contract, Copy of Id, Application, Authorization to pull 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 2018-02-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX is currently reporting on my credit reports for Speedy Cash, the loan was assigned XX/XX/XXXX, I disputed it XX/XX/XXXX, the amount is showing XXXX, I have never done business with XXXX XXXX and I never had a contract with them, before I changed numbers they contacted me saying I was committing a crime and a warrant would be issued for my arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: GA

Complaint narrative:
XXXX, XXXX, and Transunion will not remove a collection account from my file that I have disputed since I discovered it on my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX placed a Collection account on my credit files for {$1800.00} on behalf of XXXX XXXX. The account has been on my credit profile since XX/XX/XXXX. 

I have disputed this over and over since XX/XX/XXXX. The credit bureaus continue to say they have already " validated the debt '' in a previous dispute and they refuse to contact the original creditor and dispute the claim correctly. 

I have reported this to the original creditor years ago as a fraudulent account. XXXX still sent the account to a collection agency knowing I was disputing the fact that the account was even mine in the first place.

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