vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE SENT XX/XX/20 30 DAY DEMAND TO COMPLY SENT XX/XX/20

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: MA

Complaint narrative:
After receiving an advertising from Discover card on XX/XX/XXXX I did apply for the card. The advertising mentioned that it will not affect my credit score. During the application came on the screen the word " Felicitation ''. Was applying from out of home and the credit card left a message on my home phone when not present. Than came on my computer that the application was refused. Called Discover from my cell phone being out of State explaining that I couldn't not get the code. Discover told me sorry we can't do anything. Few days later saw that there was a hard inquiry on my credit score from Discover Financial. 
I already did contact you previously about this issue last year. Receive an email from a certain Mr. XXXX XXXX from the Executive office of Discover Financial. Did answered same day his email explaining the issue and since never got an answer. Emailed again Mr. XXXX XXXX on XX/XX/XXXX and still do not have an answer. 
Was yesterday ready to buy an XXXX  vehicle because I have an XXXX  and the finance company is charging me {$140.00} more because of the hard inquiry from XX/XX/XXXX. 
The contact person at Discover Executive office email is : XXXX, Phone number : XXXX I feel I have been mislead by the advertising of Discover card and ask this to be resolved. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Interstate Recovery Service, Inc.
State: TN

Complaint narrative:
I received a letter in the mail from Interstate Recovery Services in XXXX  XXXX, VA stating a notice of assignment for a debt " I '' owe of XXXX from a creditor named Publishers. The XXXX XXXX XXXX XXXX. XXXX is the phone number. I do not know of this debt, I researched online and I have seen mention of a magazine company. Yes, I do get magazines that I pay directly to the publisher company. But this is the first time I heard of this letter. I never ordered anything from XXXX - who is that anyway. I thought of XXXX XXXX XXXX  but I have never ordered anything from them. This is fraud and using the mail to conduct such fraudulent activities is illegal, as you know. I will have my attorney write them a letter to cease contacting me or prove proof of the debt with my signature. I am not paying this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: AZ

Complaint narrative:
Over the 18 months I have made multiple calls and mailed registered letters to companies that have had accounts opened in my name by someone other than myself. Most recently XXXX XXXX allowed an unknown individual or individuals to open two separate accounts, in two different states using information most likely gathered from a home burglary in XXXX where my drivers license, social security card and passport were taken. I am now in collections for both accounts. I spoke with XXXX XXXX in XXXX of XXXX letting them know that neither of the accounts was mine. In XXXX of XXXX the two collection accounts showed up on my credit report. One, XXXX  XXXX   XXXX  in XXXX Minnesota and the other Waypoint Resources Group in XXXX XXXX Texas are both attempting to collect a fraudulent debt. In XXXX, all three collections agencies, XXXX  XXXX   XXXX  and Waypoint Resources Group were sent letters disputing the accounts. Both signed for the registered letters however have made no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE SENT XX/XX/20 30 DAY DEMAND TO COMPLY SENT XX/XX/20

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: OH

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE SENT XX/XX/20 30 DAY DEMAND TO COMPLY SENT XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE SENT XX/XX/20 30 DAY DEMAND TO COMPLY SENT XX/XX/20

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: Credits, Incorporated
State: OR

Complaint narrative:
CREDITSINC has placed a medical bill on my credit reports that do not belong to me. I've contacted them and the medical facility. They both admit this is not my bill, that it is my ex-wifes, whom I've been divorced from since XX/XX/XXXX. They refuse to delete it. 

Its {$130.00} dollars and its my only negative credit listing. They flatly refuse to remove it. 

Creditor Name CREDITS INC Account No. 
XXXX** Original Creditor XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Placed for collection

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I was injured at work and had to be taken to hospital. This collection account is a workers compensation bill. My employer is responsible for this bill or account. My employer has taken care of the hospital and other medical bill of this injury, but has not taken care of this bill which is the ambulance ride to hospital. I have contacted all parties involved with the correct information. But collection are still going on in my name and Affecting my CREDIT. The amount is XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-23 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XX/XX/2019 someone acquired my Bank of America Visa information and used it to open a subscription with XXXX XXXX -- a video game company. I saw the charge on my XXXX bill, reported it as fradulent, received a refund and got a new credit card. Then the charge appeared on my XXXX bill. I repeated the process. When it showed up again in XXXX, I repeated the process once more and began researching. That's when I learned about the Account Updater service. When I asked Bank of America to opt me out of having my account details updated for participating merchants they responded that they had no control over that and told me I had to call Visa. Visa told me it was the card issuers ' responsibility and sent me back to Bank of America.I can't cancel the subscription through XXXX XXXX because there is no contact information for the company on its website. Nor do I know what name the subscription was opened under. I can't believe that neither Bank of America or Visa is unable to suspend account updater for 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 monetary relief
Consumer complaint received 2020-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: MA

Complaint narrative:
I spoke to a representative on XX/XX/2020 in regards to my account and removing late payments from my credit bureau and I would get caught up with my current balance. The agreement was to remove the lates and mark the account as current on their end but they are still reporting on my credit as 90-120 days late which is effecting my scores. I would like these late payments removed as part of the the verbal agreement I had discussed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: MI

Complaint narrative:
A collection account is being reported on my account despite efforts to verify this debt with both the company ( letter attached ) and the Consumer Financial Protection Bureau. 

As seen from attachments, I asked XXXX XXXX  XXXX to verify this debt per Fair Credit reporting rules and they never responded to me or CFPB. The item is not mine as I do not owe ( please check my credit report ). I carry no balances with lenders except my home. 

I am requesting that this item be removed immediately from my report or I will pursue legal action against the reporting bureau.

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 2020-02-23 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: MI

Complaint narrative:
A collection account is being reported on my account despite efforts to verify this debt with both the company ( letter attached ) and the Consumer Financial Protection Bureau. 

As seen from attachments, I asked XXXX and XXXX to verify this debt per Fair Credit reporting rules and they never responded to me or CFPB. The item is not mine as I do not owe ( please check my credit report ). I carry no balances with lenders except my home. 

I am requesting that this item be removed immediately from my report or I will pursue legal action against the reporting bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
This debt was incurred in XX/XX/2016, while I was XXXX. I am not the responsible party, since the State of North Carolina has a duty to provide medical care to XXXX. On the date of service, I was an XXXX  in the XXXX  of the North Carolina Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Accordingly, the Department  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as XXXX  of the XXXX, is the responsible party for these charges. Please contact Medical Claims Management at ( XXXX ) XXXX, ( XXXX ) XXXX ( fax ). should you have any questions. You may contact XXXX XXXX Acting Controller at the same numbers should you need a contact name. Plesae remove me as the financial responsibility for this debt from collections and from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched statement XX/XX/XXXX. USAA has not explained credit reversals to me. Please explain the credit revetsals on XX/XX/XXXX statement. TOTAL PAYMENTS and CREDITS {$450.00}. Applied for this period. This is a Total of my payment {$77.00} & Merchants {$28.00}, {$47.00}, {$34.00}, then back statement continues permanet credits {$21.00}, {$75.00} PERMANET CREDIT great call dispute my favor {$170.00}, PERMANET CREDIT great call my favior THESE MERCHANT CREDITS AND MY PAYMENTS ARE ALL THAT APPLIED THIS PERIOD. Kindly Note this confusion : NONE OF THE ADJUSTMENT PURCHASES TEMPORARY CREDITS ( all with little - minus signs making them APPEAR SUBTRACTED AND CREDITED SEE XX/XX/XXXX {$49.00} under the {$170.00} INone of the next 14 are not included they are NOT PART OF THE TOTAL AT THE BOTTOM ( * TOTAL PAYMENTS AND CREDITS THIS PERIOD ) again THE NEXT 14 CREDITS. are not included but misrepresented to look like they are. The temporary credits NOT APPLIED. are {$49.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOTAL CREDITS NOT APPLIED {$320.00}. Why do they * MISREPRESENT CREDITS NOT GIVEN LISTING THEM MAKING THEM APPEAR AS APPLIED? USAA reversed XXXX same day they began investigation putting temp credit XX/XX/XXXX NO WAIT THEY ENDED INVESTIGATION XX/XX/XXXX reversed XXXX same day began also NOTE these credits DID NOT APPLY only merchant credits & my payment applied. Then reversed XXXX that merchant just sent XXXX XXXX XXXX ALL WITHOUT APPLYING USAA CREDITS THAT STATEMENT SHOWS. Then see attatched XX/XX/XXXX VERIFY FRAUD CLAIM letter confirming NO ACTION NEEDED BY ME and usaa will continue to persue fraud in my behalf. KINDLY NOTE LETTER XX/XX/XXXX IS AFTER THEY LISTED THESE UNAPPLIED CREDITS What hapoened. Fraud is supposed to be addressed resolved by 60 days. ALL THIS FRAUD IS DISMISSED NOT APPLIED NO RESOLVE??? See attatched Fraud letter XX/XX/XXXX {$49.00} NO FURTHER ACTION ON MY PART {$49.00} is listed as a pretend credit but NOT INCLUDED IN AMOUNT TOTAL CREDITS XX/XX/XXXX USAA REVERSES CREDIT NEVER GIVEN DOES NOT RESOLVE FRAUD IN 60 days as law requires AND USAA STATEMENTS MISREPRESENT CREDITS APPLIED WITH TEMP CREDITS NEVER MADE PERMANET.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
Made an over payment on a payoff to a car loan. Santander sent me a pre paid Debit Mastercard that I am unable to register on line as instructed. The amount is for only {$22.00}, however they have made it impossible to register the card on line. All digits entered come back as not valid. This is just a scam by this company to get the recipient to give up trying to receive their funds due to them. 

XXXX XXXX XXXX XXXX XXXX XXXX card information : Card # XXXX Exp date XX/XX/21 Security code XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AG AH LLC
State: CA

Complaint narrative:
I complained to my previous mortgage holder ( Arc Home LLC ) regarding the interest they charged me during the escrow closing when I refinanced the mortgage on my property at XXXX XXXX XXXX XXXX, XXXX CA XXXX. I sent them a letter on XXXX XXXX, XXXX via registered mail and got receipt that they received my letter. However, its been 7 weeks already and they still have not responded to my complaint. 

I sent the letter to Arc Home LLC Attn : Mortgage Resolution XXXX XXXX XXXX XXXX XXXX, VA XXXX and provided them my name ( XXXX XXXX ), phone no ( XXXX ), my loan account no ( XXXX ), and my address ( XXXX XXXX XXXX XXXX, XXXX CA XXXX ). Note that my loan to them has been fully paid off so this loan number is no longer active in their system. Below is what I communicated to them in my letter. 

XXXX On XXXX XXXX, XXXX, the above loan was fully paid off because I refinanced it with another lender. The escrow closing document showed {$1400.00} of interest was charged ( up to XX/XX/XXXX ) but also offset by a credit of {$370.00} ( from  XX/XX/XXXX to XX/XX/XXXX ), each one at a daily interest charge of {$41.00}. So effectively, my account was charged extra interest for 2 days ( XXXX XXXX and XXXX, XXXX ), even though the escrow already closed on XXXX XXXX, XXXX. This extra 2 days interest I believe should be refunded to me. If you think I miscalculated, then please provide me your own calculations that will show why those extra days interest should not be refunded to me. 

I had previously used your website to get this issue resolved but I only get an automated response and a ticket number and on my last attempt ( last XXXX XXXX, XXXX ), I got an email stating that your email id XXXX is no longer being monitored and I should call instead. However, when I did that, your automated phone system would not take in my social security number or loan number when prompted, so essentially your phone system would not allow me to be connected at all to any of your departments or to leave a voice mail. I sent an email to XXXX ( which I got from your website ), but I also did not get a response from that email address. 
=======================================

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-23 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: Automatic Data Processing, Inc.
State: NV

Complaint narrative:
I was recently employed with XXXX XXXX  ( http :  XXXX ). I selected that my pay be direct deposited to my own bank account. For the final pay check, they insisted that I be payed by pay card against my will. I expressed concern to my manager, but was told that Nevada state law demanded that our last pay be conveyed by pay card. This may not be correct. For starters, when pay cards are issued, the pay is not placed into the ownership of the person who earned it. Instead it is placed under the control of a bank that the employee has no business relationship with. Funds can only be withdrawn under their conditions and with their fees. I did not consent to this. Additionally, I have no idea of how much money is on my paycard unless I download an app with supposedly allows me to view my balance. Not possessing an internet capable phone, this is impossible. I need to know this information regardless. This card is called " Wisely '' by ADP. 
Wisely ( XXXX ) XXXX ADP Sales XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I received alerts from XX/XX/XXXX and XXXX that Southwest Credit Systems opened an account and reported to the 3 bureaus fraudulent information. They remarked my credit file stating that an account for 11-XXXX was set up as new account on XX/XX/XXXX. This issue was already disputed back in XXXX and XXXX through certified mail and was removed from my report because of fraud. This debt does not belong to me. This creditor Southwest Credit Systems has opened a new account and added {$1.00} to the previous account reported. The item that was originally removed in XXXX was under XXXX XXXX for {$400.00} and was removed. Southwest Credit Systems is reporting {$400.00} to all three bureaus.

Company response to consumer: Closed with explanation