vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-08 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:
After sending information to verify myself with my disputes ( XX/XX/XXXX ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$3200.00} not mine XXXX XXXX XXXX XXXX {$2000.00} not mine XXXX XXXX XXXX {$690.00} 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 non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax ; XXXX and XXXXXXXX  are reporting incorrectly the XXXX XXXX  partial account number XXXX on my credit report. ( Please see pages 2 and 3 attached. ) They are reporting a balance on the card that was charged off even though they have sent it to a third party collection agency. This is illegal. I believe that someone fraudulently used my card. I have contacted the bank and they can't give me any information. I previously filed a CFPB against XXXX XXXX XXXX on XXXX reporting that this credit card partial account number XXXX - had been used fraudulently. This card does not belong to me and I never opened this card. I have attached the letter from XXXX of OHIO dated XX/XX/2019 XXXX Account number XXXX - referencing partial account number XXXX. This letter is simply confirming a balance on this account of {$930.00}. There is no confirmation in this letter that this account belongs to me. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
I took a loan for a used vehicle through XXXX XXXX XXXX in XXXX XXXX CA. The loan was financed through Prestige Financial services. The dealership informed me my first payment would be due XX/XX/XXXX. 

This company has never sent me a bill. I have no record of what my payment options are or where to pay. They started texting me around the XXXX of XXXX, but I immediately informed them to stop, not knowing if the text messages were legitimate or a scam. They are still continuing to text my wife who is a co-signer. 

As of Thursday XX/XX/XXXX I was forced to call them to ask how I was supposed to pay. 

Friday XX/XX/XXXX I called back, because the account number given to me by " XXXX '' came up incorrect on their website. I called again Saturday XXXX. As of XX/XX/XXXX, they still have not returned my calls, but again continue to text my wife, without our consent to text messaging. 

During the phone call on XX/XX/XXXX the gentleman I spoke with blatantly told me they do not send bills ( which makes it impossible for a new lendee to make a payment ). I was told " we do everything by text. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I have disputed this issue multiple times online, and most recently faxed a request for validation of this debt and also disputed the validity of this debt again to XXXX XXXX XXXX on XX/XX/XXXX. Even though I am a XXXX recipient, had coverage for the XXXX which was XX/XX/XXXX, and should never have been billed, charged, or had it placed in my credit file, neither XXXX XXXX XXXX nor XXXX XXXX has removed this from my credit file. Therefore, I am providing proof that this is an illegal charge placed on my credit file fraudulently, even though I should not have to do this or provide this information because XXXX XXXX XXXX and that the current owner of XXXX XXXX XXXX already has this information. XXXX XXXX XXXX and XXXX XXXX XXXX, or the current owner of XXXX XXXX XXXX, is in violation of the law. I have also filed complaints with the State of Georgia and the current owner of XXXX XXXX XXXX through XXXX on XX/XX/XXXX. The amount that XXXX XXXX XXXX placed on my credit report is {$2900.00} for which I am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Associates Loan Servicing LLC
State: ID

Complaint narrative:
XX/XX/XXXX : received letter stating XXXX XXXXl , XXXX was willing to settle debt at 50 % of balance owed.

XX/XX/XXXX : called XXXX  XXXX  to settle for the 50 % XX/XX/XXXX : received another letter demanding final payment for the remaining 50 %, called XXXX XXXX to resolve issue and informed them that if i continued to receive any sort of correspondence from them I would report them and have the payment made recovered from my bank. I was informed that they would notate my account and I would no longer receive any correspondence from them in regards to said debt. All letters have ceased up to this point.XX/XX/XXXX : received multiple calls in which no one was on the line.

XX/XX/XXXX : received multiple calls in which no one was on the line again.

XX/XX/XXXX : received call in which the person on the other end refused to inform me as to what the call was in regards to unless I provided him personal information to verify my identity. I refused to supply the person with any information as he would not give me any information and I wasn't giving out personal information until he verified why he was calling or who he was with. Did a phone number search and found that it was XXXX XXXX. Called back spoke with a woman who said that her supervisor would be notating my account to show that the account was closed, I would no longer receive any correspondence from the company and that after 28 days of making said payment the account should have been closed.

I feel that they are using harassing tactics to scare people into paying the entire amount even after offering a settlement. They refuse to verify who they are and what the call is in regards to. If I hadn't gone through this with a similar company I wouldn't know that this is unacceptable behavior, other people may not know that this is not ok and end up paying XXXX  XXXX more money because they're scared that it won't be resolved unless they make another payment. If a settlement is offered and you accept that you should no longer be receiving any correspondence from XXXX XXXX  other than a letter stating account is settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Assoc. calls my job daily some days up to 3 times a day asking for me after we stated this is a work place and to not call the company back. Too many dates to name it has been happening on the daily for past couple months and now its affecting my job due to the sales department has to answer all calls so not like we can ignore the call. But my job is upset with me because of it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly the XXXX XXXX/XXXX partial account number XXXX on my credit report. ( Please see pages 2 and 3 attached. ) They are reporting a balance on the card that was charged off even though they have sent it to a third party collection agency. This is illegal. I believe that someone fraudulently used my card. I have contacted the bank and they can't give me any information. I previously filed a CFPB against XXXX XXXX/XXXX XXXX on XX/XX/2019 reporting that this credit card partial account number XXXX - had been used fraudulently. This card does not belong to me and I never opened this card. I have attached the letter from XXXX of OHIO dated XX/XX/2019 XXXX Account number XXXX - referencing partial account number XXXX. This letter is simply confirming a balance on this account of {$930.00}. There is no confirmation in this letter that this account belongs to me. This incorrect reporting is harming my credit 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 2019-05-08 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: NY

Complaint narrative:
This account is mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly the XXXX   XXXX/XXXXMastercard partial account number XXXX on my credit report. ( Please see pages 2 and 3 attached. ) They are reporting a balance on the card that was charged off even though they have sent it to a third party collection agency. This is illegal. I believe that someone fraudulently used my card. I have contacted the bank and they can't give me any information. I previously filed a CFPB against XXXX XXXX/XXXX  Mastercard onXX/XX/2019reporting that this credit card partial account number XXXX - had been used fraudulently. This card does not belong to me and I never opened this card. I have attached the letter from XXXX  of  OHIO   dated XX/XX/2019XXXX Account number XXXX - referencing partial account number XXXX. This letter is simply confirming a balance on this account of {$930.00}. There is no confirmation in this letter that this account belongs to me. This incorrect reporting is harming my credit 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 2019-05-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: FL

Complaint narrative:
I have over 50 pages ( estimate ) of data including times, dates, events. The following is a very brief explanation. 
XX/XX/XXXX = discovered account drained to under {$1.00} due to multiple fraudulent charges. Called Direct Express 3 times this day. Advised I need time to review all records. Requested account statements via mail and Charge Dispute documents via mail. 
XX/XX/XXXX = file online crime reports with local law and IDTHEFT.GOV XX/XX/XXXX = received account statements but not dispute packet XX/XX/XXXX = XX/XX/XXXX = received letter and " Questionnaire of Fraud '' dated XX/XX/XXXX XX/XX/XXXX = us mail Questionnaire and highlighted charges on each monthly statement XX/XX/XXXX = Direct Express ( D.Ex ) received my Questionnaire and evidence XX/XX/XXXX = received prefabricated letter ( other people got the same verbiage / letter ) Case Closed dated XX/XX/XXXX ( clear and repeated action by Direct Express to deny Provisional Credit required by law ). 
XX/XX/XXXX - Current = Fraud continued and D.Ex sent multiple new cards to fraudulent address or addresses. I have not had access to my new funds ( Post-Fraud benefit deposits ) since the middle of XX/XX/XXXX. D.Ex charged me fees over {$55.00} for all the Fraudulent cards they sent to the perpetrator ( s ). I have sent multiple faxes and Certified Mail ( got lost or was rejected ). Online research shows hundreds of people having nearly identical experience and lack of adherence to the law by Direct Express / Comerica Bank. No warning of possible fraud, no Provisional Credit. no confirmation or updates about a " Fair Hearing '' investigation, no responses to my evidence or attempts to contact. They won't divulge their email address or other phone numbers and their automated phone system is clearly designed to impede attempts to communicate with any department at both Direct Express ( contractor ) and Comerica Bank. 

Here is what should be done : First, admit to knowing about cases such as mine dating back to XX/XX/XXXX where there was no protection of funds, no actual investigation leading to denial of Provisional Credit, and insufficient or no effort by Direct Express / Comerica Bank to protect funds after being notified of fraud by account holders. Second, change business practices related to the years of repeated complaints by thousands of people. Third, refund all money in accord to the Provisional Credit law. Finally, send apology letters to all the people harmed by your actions and lack of actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX my ss # is XXXX my dob is XX/XX/XXXX and I've been a Citibank customer for many years with no problems. Then on Tuesday XX/XX/XXXX I purchased items from someone that totaled XXXX us dollars she told me to send her the money through XXXX because she had a business account with them, and on my Citibank app I saw that I had XXXX also as a form of sending money to someone so I proceeded with the transaction but was only allowed to send XXXX dollars per day as my limit so on XX/XX/XXXX through XX/XX/XXXX I sent this person XXXX each day totaling XXXX in return she sent me a confirmation from XXXX stating that if I did not receive my items in 7 days I would be refunded in full from XXXX, After that this person who claimed she was a woman named XXXX XXXX confirmed she received the money and that she was sending out my items the next day with usps with insurance and tracking information and she stayed in touch with me the whole time. The next day she sent me the confirmation from usps that it has shipped and will arrive the next day which was Saturday XX/XX/XXXX I have all the pictures she sent me and all the messages she wrote to me. I kept checking for a tracking update because she kept saying they are gon na send me a tracking number once it departs via email, I started getting suspicious because in her messages I was catching her in lies, so I called my Citibank right away and in a panic cryed to them that I think I was scammed into sending this money and Citibank told me not to worry that I would be protected if these transactions are indeed fraudulent and I was told to wait until the day my items were promised and that if I wasn't updated with tracking of my itemsor didn't recive them as promised I would be protected that phone call took place on XX/XX/XXXX with Citibank which they said was being recorded, so I waited till Saturday the XX/XX/XXXX and never heard or received anything in mail and this person stopped responding to me and I called Citibank once again crying and pleading to them for help where again they told me not to worry I would be protected and they would help me so I put a claim in with them and 10 days later they sent me a letter stating that they can not help me with this claim and I should try to resolve this with the recipient who of course I have no idea who this person is and the person does nit respond to me because they robbed me! please help me please.my phone number is XXXX I live in XXXX XXXX XXXX ny XXXX my account number with Citibank is XXXX please help me I am XXXX years old and this is my only money please help 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 2019-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have tried to dispute the account with Comenity Bank Express on my credit report I learned about this account after pulling my credit reports. The credit card was open in XX/XX/2016. The amount owed is {$1700.00}. I called the creditor to inform them that I am disputing this account due to identity theft. I sent all the documents needed to prove my case. I was told this account had payments made. I did not make any payments on this account. I can also provide proof that I did not make or send payments for this credit card. I then reached out to my monitoring service to see if they could help and they also sent a dispute for me and called the creditor to see if they received documents and was told to fax power of attorney again. I called the creditor after speaking with my monitoring service to see what the outcome and was told they did have all of my documents including the power of attorney. While I was disputing the credit card from Comenity Bank Express and while they were investigating. I received an alert stating I owed a balance and the balance was increasing. I called them to inform them this account was in dispute and why are they still reporting while being disputed and this is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Yesterday, I opened a dispute over the phone as well as online with Trans Union regarding an incorrect entry for XXXX XXXX paid on XX/XX/2009, which is still showing as a charge off/collections on my credit report. This was added 2 days ago, and caused my credit score to drop 79 points. 

The transaction was supposedly deleted from the credit report, but the credit score was never amended. However, the credit report still shows 2 delinquencies, even though they do not appear as part of the credit report. 

I sent the appropriate documentation as an attachment to the dispute and was told that since the account is not showing in the credit report, they could not correct it! 

This was corrected immediately by XXXX, but not by Trans Union. The persons who have answered the phone will not take any action and simply continue to repeat again and again that the entry is no longer in their system. When asked to be transferred to someone who would be able to help they stated there was no one who would be able to do anything since the account is not showing in the credit report after I entered the dispute. 

The impact this has had on a financial, emotional and personal level is almost disastrous. My credit score is now an " F '' due to their negligence and lack of professionalism as well as possible unethical business practices. 

Your help in this matter is greatly appreciated as have not had any assistance or support from TransUnion regarding this matter.

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 2019-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
As of the date of my last complaint, XX/XX/2019, I received a call from XXXX, an escrow analyst at BMO Harris, and she advised me on XX/XX/XXXX that the corrections had been made, the payment corrected, and the escrow overage returned. She specifically stated that the check would go out that day ( XX/XX/XXXX ). I followed up with XXXX on XX/XX/XXXX to clarify the amount of the refund, and to confirm that the check had been sent out on Friday, XX/XX/XXXX. She provided the refund amount, confirmed that the check had been sent, and advised that my new payment would go into effect XX/XX/2019. I had not received anything as of XXXX so I reached back out to XXXX and left a message. I also left a message with their escrow team as well. When I did not get a response from either, I call their customer service team. I spoke with a rep named XXXX, and he advised that the check was just sent on XXXX. I mentioned how frustrating this whole process has been for me, and he laughed and stated, " At least this is done now. '' First of all that is an exceptionally poor response when someone tells you they are frustrated and been dealing with it for almost 2 months. Secondly, I have no faith in the info provided as this is now the second date provided for when my refund check was sent. Thirdly I have no faith that my payment will actually adjust.

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Temporary lifted security freeze at all 3 credit reporting agencies. XX/XX/2019 to XX/XX/2019. Made my new car purchase on XX/XX/2019. Contacted all 3 companies to reinstate freeze, but Experian made it impossible. Other two companies EXCELLENT in process. But when you try to contact a human at Experian, it is next to impossible at both XXXX or XXXX pushing the old 00000 got you no where and saying " representative '' didnt work either. Once human contact was made, was advised I had to honor the dates requested leaving me wide open for fraud. Refused to assist or give me supervisor and eventually hung up. NO COMPANY SHOULD HAVE THIS POWER WITHOUT RESTRICTIONS!

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