vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-04 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: BB&T CORPORATION
State: MD

Complaint narrative:
I just received an alert showing a hard inquiry from XXXX XXXX XXXX XXXX XXXX that I do not recognize or have authorise. Please correct. Creditor Name : XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XXXX XXXX Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

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 2018-11-04 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hard Inquiries don't belong 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 2018-11-04 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: SC

Complaint narrative:
I mailed all the necessary paperwork off to Transunion to have these accounts that do not belong to me removed, and they have not investigated the matters or responded 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 2018-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
i opened a joint account for my daughter. after letting suntrust close the account they linked her debit card from her closed account with authorization or notification to my account that i did not know she was an authorized user on. i was mislead my the customer service rep when we open the account because i was never informed i was signing a signature card for my daughter to be added to my account. i have had my account over 9 years and no one has ever been on my account. after my daughter phone was stolen someone used her XXXX XXXX which was connected to the closed account debit card which she did not know where the card was because we thought the account was closed one day they fraudulently took {$1.00} out of my account one day {$2.00} another day {$3.00} another day then {$500.00} the same day. as soon as i saw the charge i immediately went to the bank where they removed her from my account but can not explain who gave permission to link the card from the closed account to my account.

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 2018-11-04 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: Choice Recovery, Inc.
State: NJ

Complaint narrative:
I received a collection letter from Choice Recovery Inc. alleging a debt to XXXX XXXX XXXX in the amount of {$120.00}. I responded in writing to inform Choice Recovery Inc. that I have no record of any {$120.00} debt to XXXX XXXX XXXX, which office routinely makes billing errors, and that a bona fide dispute exists as to whether or not this debt exists. I did not hear back from Choice Recovery Inc. ; certainly they did not provide me any documentation to evidence the existence of this debt. However, on XX/XX/2018 Choice Recovery Inc. informed the credit ratings agencies that this debt had been placed for correction. My FICO score dropped immediately dropped from XXXX to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
I just received an alert showing a hard inquiry from Fifth Third that I do not recognize or have authorise. Please correct. Creditor Name : Fifth Third Bank Inquiry Date : XX/XX/2018 and XX/XX/2018. Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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: SC

Complaint narrative:
I mailed all the necessary paperwork off to XXXX to have these accounts that do not belong to me removed, and they have not investigated the matters or responded to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I have a a unverified account from CHOICE RECOVERY INC # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

I request that CHOICE RECOVERY INC. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: OH

Complaint narrative:
I have an unverified account from originally XXXX XXXX XXXX # XXXX. I had previously disputed this account with XXXX XXXX XXXX they NEVER provided ANY form of Verification or Documentation and this account was deleted from my Credit report as a result.Somehow it was sold to AFNI # XXXX, ALTHOUGH IT WAS NEVER VERIFIED!!! I have never done business with AFNI Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that AFNI # XXXX. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debt. This debt has been bought and sold at lease 3 to 4 times already and I plan on suing AFNI if they sell this unverified debt to another collections agency!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
I had taken out an installment loan and not a payday loan with a company online called XXXX XXXX XXXX. On XX/XX/2018 I borrowed {$2400.00} to be paid back in instalment payment with interest. Once I received the loan the company never gave me a detailed amount for the 12 month period. So, when I received the installment bill it was more than my mortgage amount. I lived on a fixed income once a month because I am a XXXX  and XXXX XXXX veteran. When I made my first payment in XX/XX/2018 I made a {$400.00} payment. In XX/XX/2018 I made {$150.00} payment towards the {$2400.00}. I was in the hospital in the month of XX/XX/XXXX because I had XXXX, therefore, I didn't make a payment in XX/XX/2018. So, I went to make a {$150.00} payment on XX/XX/2018, for another {$150.00} I saw the billing statement and it went from the {$2400.00} to {$4800.00}. If had an idea that the company was charging their clients that type of interest I would have never would have borrowed that money. I am already in chapter XXXX for the next 3 years that I can't afford to pay back what this company is asking of me. and I think the company if ripping me off by not applying any of the money towards what I had borrowed. So, right now I need your help, please!!! By the way, I did tell the company in XX/XX/2018 that I could not pay the amount that the company was asking for each month, however, that I would continue to send in a payment each month until my loan was paid in full. I always pay my bills and I am trying to be honest with this company but they are giving me nothing but grief. So please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have two accounts that I have requested the status, and proper documentation for my personal review. There are several errors in the reporting of the derogatory account. I do not see any dates dealing with the last time there was any activity of either account. I have disputed the accounts directly with the original creditors as well yet no one seems to have any information to review the account any of the original contracts BECAUSE the accounts have been sold over again and again to different agencies. The following accounts need to be deleted XXXX XXXX XXXX # XXXX, XXXX # XXXX. Please advise both companies I due plan to sue/litigate this issue if these two unverified account get sold again to another collection agency.

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 2018-11-05 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: OH

Complaint narrative:
I have two accounts that I have requested the status, and proper documentation for my personal review. There are several errors in the reporting of the derogatory account. I do not see any dates dealing with the last time there was any activity of either account. I have disputed the accounts directly with the original creditors as well yet no one seems to have any information to review the account any of the original contracts BECAUSE the accounts have been sold over again and again to different agencies. The following accounts need to be deleted XXXX XXXX XXXX # XXXX, XXXX # XXXX. Please advise both companies I due plan to sue/litigate this issue if these two unverified account get sold again to another collection agency.

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 2018-11-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have two accounts that I have requested the status, and proper documentation for my personal review. There are several errors in the reporting of the derogatory account. I do not see any dates dealing with the last time there was any activity of either account. I have disputed the accounts directly with the original creditors as well yet no one seems to have any information to review the account any of the original contracts BECAUSE the accounts have been sold over again and again to different agencies. The following accounts need to be deleted XXXX XXXX XXXX # XXXX, XXXX # XXXX. Please advise both companies I due plan to sue/litigate this issue if these two unverified account get sold again to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
good day to you:  hi her the bank info  bank of america XXXX XXXX XXXX, XXXX ca, XXXX   hi the wiretransfer was sent from the XXXX i got the email at XXXX XXXX XXXX. i click print an the print came out 1 of the student. didt give me my printe with my account number on it. he kelp the info for himself, he has been useing my account from XX/XX/2011 tile now his info mr, XXXX XXXX XXXX. he left school to keep me from going to the school. it now has nothing to do with there laws. i call an the bank wil not do any thing. an the local branch will not talk to much to me. the lady work in the wiretransfer dept, has move on to a nother job.   thanks for your time,.

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 2018-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I set up direct deposit of my XXXX XXXX  Payment with XXXX XXXX for the first time. This was to start XX/XX/XXXXand I advised them of same. Approx 2 weeks prior, I updated my address, went in person with my lease etc.. On XX/XX/XXXX I saw the deposit. The morning of XX/XX/XXXX I called to verify its availaby. I was told check back at XXXX XXXX  and XXXX XXXX. BetweenXX/XX/XXXX-XX/XX/XXXXI called 9 times. I was barred from the online access so could not view the pending deposit. After the 3rd or 4tth call, I was told YOUR ACCOUNT IS SHUT DOWN FOR REVIEW. YOU HAVE NO ACCESS TO ANY MONEY, ONLINE ACCOUNT, DEBIT CARD. ETC. They said probably til Monday XX/XX/XXXX. I said who will I speak to MONDAY ABOUT THIS? I was told that a XXXX XXXX  froze my account. I advised XXXX XXXX  employees over and over that I was XXXX live alone with my dog, had no food for either of us, no medication, missed doctor appointment, no gas. I finally went in person to XXXX XXXXXX/XX/XXXX approx XXXX XXXX. I was turned away, told I HAD TO HAVE AN APPOINTMENT. Late in the day XX/XX/XXXX I Received Checks for this account. I went to the pharmacy, wrote a check for {$12.00} for XXXX as Id been ill 2 weeks. The check went through. I then proceeded to get a few groceries ( extremely extremely hard for me due to pain ). I wrote a 2nd check for the food. I was told the check was declined. The mngr called to question what happened and the person stated her bank is declining the check. I was forced to leave all my food and dog food there, leave the XXXX there, and ask for my {$12.00} back, which I received. I had only that to get food for myself and dog, and gas. Needless to say, we are starving still today XX/XX/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 2018-11-05 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: FL

Complaint narrative:
XXXX refuses to remove fraudulent information on my credit report. I have provided a police report. This is in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05 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: FL

Complaint narrative:
XXXX  refuses to process any of my disputes, by phone, they have it blocked online, and via mail. I have fraudulent accounts on there that do not belong to me due to identity theft. This is a federal 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 2018-11-05 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: FL

Complaint narrative:
XXXX refuses to process any of my disputes, by phone, they have it blocked online, and via mail. I have fraudulent accounts on there that do not belong to me due to identity theft. This is a federal violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank
State: TX

Complaint narrative:
I recently looked at my credit reports and noticed that XXXX XXXX XXXX XXXX reported negative marks Maximum Delinquency of 30 days in XX/XX/2018 on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

In short, I never received such a warning notice!

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.

I attached a copy of the law and the actual document from the federal reserve

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
On XXXX-18 I sent a certified letter ( tracking # XXXX to XXXX XXXX XXXX which was received on XXXX-18 at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: FL

Complaint narrative:
XXXX  continues to report fraudulent accounts on my credit report that don't belong to me because I am a victim of identity theft. They refuse to accept my disputes. This is against the FCRA. These accounts need to be removed. I have provided a police report.

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 2018-11-05 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: FL

Complaint narrative:
XXXX continues to report fraudulent accounts on my credit report that don't belong to me because I am a victim of identity theft. They refuse to accept my disputes. This is against the FCRA. These accounts need to be removed. I have provided a police report.

Company response to consumer: Closed with non-monetary relief