vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
My husband opened a credit card with the bank 53rd in XX/XX/XXXX.. 
Their were a couple of accounts associated with this account that I know of.

My husband passed away on XX/XX/XXXX. He had this payment taken out of the checking account automatic every month. When he had passed I stopped the payment from being paid automatically out of account because of the direct deposit of monies were being delayed. 

I went to 53rd Bank in XXXX MI, the one where we have checking accounts with and sat a talked with the Personal Banker and submitted the original death certificate to her she pulled the information on the computer, and she said to me " this is not in your name it's in your husband name '' so disreguard this payment, " this is not your bill. '' She then took all the paper 's I had brought with me to show her and she shredded them also with the plastic credit cards. She was submitting the death certificate as proof. This was in the month of XX/XX/XXXX. I've received many calls from 53rd Bank stating I owe this money. I said No I do not! I've never had a credit card or charged any purchases with this account. The account number on this credit card keeps changing every 6 Months or so.. it's a lot. I've been yelled at by the collections department threaten harassed. I've called the Dispute Signed Application phone numbers a few of them No one will help me clear this up. 

I asked the Bank Managers at Two 53rd banks to just show me the signed application of my signature on the loan was told I'd have to get an attorney to open up the records, I said " Why their my records '' aren't they! 
So last month I've been torment by them and was also informed that 53rd was putting derogatory remarks on my credit score bring it down also having a 53rd account that meant I was paying them my monthly fee to do this to myself. I paid the {$620.00} they wanted which left me scraping by. 
So needless to say I closed both the checking accounts we had at 53rd Bank. 

I don't know what else to do no one seems to want and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The following account below was closed on XX/XX/2011 has a {$0.00} balance and has past the seven year SOL and should be removed from my credit report.

XXXX XXXX # XXXX  XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: IL

Complaint narrative:
The following inquiry below was added to my credit report on XX/XX/2018 and was not authorized by me. I know nothing about this and would like the inquiry removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: CA

Complaint narrative:
I sent Transunion a letter asking for verification of Items on my credit report. I referenced section 609 of the FCRA. This letter was sent on XX/XX/XXXX.

I asked for Physical Verification Creditor for the following creditors : XXXX # XXXX ( the status of this account showing chapter XXXX bankruptcy ) XXXX XXXX XXXX XXXX # XXXX ( shows 30 days late XX/XX/XXXX) XXXX XXXX XXXX XXXX # XXXX ( account showing chapter XXXX  bankruptcy ) XXXX # XXXX ( account showing chapter XXXX bankruptcy ) XXXX # XXXX ( account was paid in full showing chapter XXXX  bankruptcy ) I requested documentation proving these items accounts should be in bankruptcy and that their 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 explanation
Consumer complaint received 2018-06-20 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: IL

Complaint narrative:
The following inquiry has been added to my credit report and I did not authorize it. I would like it deleted from my credit file. 

XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: IL

Complaint narrative:
The following inquiry has been added to my credit report and I did not authorize it. I would like it deleted from my credit file. 

XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 non-monetary relief
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ECMC GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX ECMC was given notice by i : XXXX XXXX, to Cease and Desist collection. This notice was not returned nor did ECMC respond. On XX/XX/XXXX, i notified CFPB via compliant ( XXXX ) regarding ECMC threatening to use my social security and personal information. ECMC responded they have no account with my information. It comes now on XX/XX/XXXX, i received an alert from XXXX XXXX that my credit score was decreased because of 7 ECMC collection accounts added. Upon review i noticed XXXX has the account listed as collection accounts and XXXX has the account listed as credit both accounts list the open date as XX/XX/XXXX. This is a violation to the Cease and Desist Notice dated XX/XX/XXXX, FCRA ( which state debt collector are to report accurate information, FDCPA ( are to cease and desist when notified ). By ECMC attempting to extort i for money not owed this falls under RICO frauds and swindles. This also is paper genocide and violating my indigenous rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: IL

Complaint narrative:
The following company below has placed an inquiry on my credit file that I did not authorize. I no nothing about it and I would like it removed right away. 

Requested on XX/XX/2017 Company : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) 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 2018-06-20 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: IL

Complaint narrative:
The following company below has placed an inquiry on my credit file that I did not authorize. I no nothing about it and I would like it removed right away. 

Requested on XX/XX/2017 Company : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: IL

Complaint narrative:
The following company below has placed an inquiry on my credit file that I did not authorize. I no nothing about it and I would like it removed right away. 

Requested on XX/XX/2017 Company : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) 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 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was in forbearance status with XXXX and it has been reported that I had late payments on these dates. This info is incorrect as I have contacted XXXX  directly and was told that this info wouldn't be reported as late payments initially. Once I saw that this was reported despite the conversations that had been held I began to reach out to them direct with no changes to my report. I have since cut ties with XXXX due to this issue and consolidated my loans w/ another Student Loan company. My XXXX balance has been paid but the late reporting is still showing on all my credit reports.

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 2018-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I disputed with ATG Credit two items on my XXXX  Credit Report that were sent via certified mail. ATG Credit never replied within the time frame allowed. On XX/XX/XXXX I disputed with ATG Credit again regarding the two items on my XXXX  Credit report, ATG Credit did reply on XX/XX/XXXX, regarding the XXXX, however it was not within the time frame, and there was never a reply regarding the {$610.00}, Either one of these two items were ever verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: LA

Complaint narrative:
According to my credit report, this account, which was paid in XX/XX/XXXX, was opened in XX/XX/XXXX. It was reported as a delinquent collection on XX/XX/XXXX. I have not received any documentation from this company verifying this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted Experian asking for accounts to be verified per FCRA Section 609 ( a ) ( 1 ) ( A ) Provide Physical Verification Creditor of the following accounts : Public Record # XXXX ( Not my account or public record ) XXXX  # XXXX ( Account was paid like previous account with this creditor ) XXXX XXXX XXXX XXXX # XXXX ( account was never late ) XXXX # XXXX  ( account was paid in full and never late like previous account with this creditor ) XXXX XXXX  # XXXX ( account was transferred to new creditor and paid in full ) Experian has to provided me the documents I required which is required by law.

I also have returned mail from inquiries on my report which were returned due to incorrect address and when contacted Experian to delete because Ii didn't authorize these inquires and the information they are providing ( the address of the creditor is incorrect ) they refused my copies of returned letters The following Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 2018-06-20 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: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2017, I purchased a trip voucher to XXXX through XXXX XXXX for {$910.00}. A few days following, I had decided to cancel the trip for personal reasons. I contacted XXXX XXXX  to receive a refund and I was told I would not be receiving one. Following this, I contacted Citi Bank, the issuer of my MasterCard credit card, to initiate a dispute. I was in correspondence with them for weeks and provided appropriate documention of my trip cancellation. I was told by several agents of Citi that I would certainly be receiving a refund, so I decided not to worry about the charge for the time being. A few weeks ago, I realized that the charge had not been reversed and my account was accruing interest on it. I emailed Citi once again more documentation of my trip cancellation. Additionally, my sister who had also booked the same thing had her trip 100 % refunded by her credit card company XXXX XXXX without nearly as many issues I had encountered. Anyway, I contacted Citi to get further clarification and was told that I did not respond in adequate time to the dispute though I was not notified adequately that there was a time frame nor was the dispute denied initially. I beleive it is unfair that I am being held accountable for this charge due to the lack of communication, and the fact that I am not receiving any services/products though I have paid nearly a thousand dollars.

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 2018-06-20 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:
I have sent a letter in 4 months ago on XX/XX/2018 and I havent received any response through mail nor email. I take it that there isnt any original contract documents on me for the credit card account with XXXX XXXX with an outstanding amount of {$1800.00} and the inquiries listed on Equifax, XXXX, XXXX. I have never given anyone any consent to inquiry inquiries on my credit file and this seems to be fraudulent and erroneous. I have attached a letter that I would love for you to carefully read. This is my third attempt since last year and this year combined. I hope we come to a resolution and your company completes an internal investigation on the account and inquiries because this seems like its becoming a problem and no one in the department is dealing with this situation or taking this matter serious. I repeat, please dont send me any XXXX XXXX messages stating that the inquiries are factual records nor is the account because I dont have a clue of who they belong to and I have contacted the creditors and havent gotten a response back. Its been more than 30 days for this matter. If this matter isnt resolve by Friday Im seeking legal actions against Equifax, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MN

Complaint narrative:
Pursuant to Complaint Nos. XXXX  and XXXX, the description of the relief granted was that the " interest capitalization on XX/XX/XXXX for Loan Sequences 4, 7, 8, and 12 will be reversed due to a processing error. '' In a later complaint, Complaint No. XXXX, my attempt to address the interest capitalization on Loan Sequences 1-3, 5, 6, and 9-11 failed, but the response explicitly acknowledged that it was " honoring the initial promise to reverse the interest capitalization effective XX/XX/2016 on loan sequences 4, 7, 8, and 12 ''. However, in looking at my account online, the interest capitalized on those four ( 4 ) loans has, in fact, NOT been reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: GA

Complaint narrative:
I have reported to Experian multiple times that they have out dated accounts still being reported on my credit report. Each month Experian workers have deleted and updated information with out proper investigations according to FCRA USC 1681 ( i ) I reported XXXX # XXXX should have been removed because the account became delinquent in XX/XX/XXXX. This would put it beyond the 7 year allowance according to the FCRA. When I disputed this fact Experian then deleted the pay history. This is on the Report # XXXX dated XX/XX/XXXX. Experian deleted all of the dates I disputed. This is fraud. 

I then resent in the copy by Consumer Financial Protection Bureau and received another altered updated report and not a re-investigation according to my FCRA rights. Experian then added account balances to the account for years in which they have reported the account to be closed. They reported Account Balances and Actual Payments made through out XX/XX/XXXX,XX/XX/XXXX and XXXX. How can this be if this account was closed according to Payment History was XX/XX/XXXX.  This is fraud. 

I want this deleted off of my file. I want this re-investigated and delete this account immediately. I also want copies of all files pertaining to this file and whom you collected data from. 

Experian has not verified the Terms, Monthly Payment, Credit amount, they have erased everything that is suppose to be listed

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 2018-06-20 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:
XXXX has reported a 2013 collection that doesn't belong to me and has not been validated

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 2018-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was charged off due to my lack of handling credit. After this account was charged off I reached out to XXXX XXXX and I paid this account in full. The agreement I had with XXXX XXXX was that they would delete this from my report as long as I pay the balance in full. I have followed up with them numerous times to no avail. I am the reason my account was charged off and do not blame XXXX XXXX at all, however their tactic to get me to pay was fraudulent and not needed. I initiated contact with them to pay this debt as I wanted to right my wrong and was told they would remove their reporting from my file.

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 2018-06-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was charged off due to my lack of handling credit. After this account was charged off I reached out to XXXX XXXX and I paid this account in full. The agreement I had with XXXX XXXX was that they would delete this from my report as long as I pay the balance in full. I have followed up with them numerous times to no avail. I am the reason my account was charged off and do not blame XXXX XXXX at all, however their tactic to get me to pay was fraudulent and not needed. I initiated contact with them to pay this debt as I wanted to right my wrong and was told they would remove their reporting from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
Money Lion is a service where you pay monthly for the ability to take out small loans. I signed up for it in haste because I was in a pinch but, I never used it. I called on XX/XX/XXXX to cancel it ( day after account was opened ) and they told me I was unable to cancel it because they were in the middle of an ACH transaction on my account. I told the representative that I withdrew their ACH authorization on my account but she refused to comply. Fast forward to XX/XX/XXXX when 4 more ach attempts are charging me overdraft fees, I call again and they tell me that their terms supersedes federal and state law and I am not allowed to withdraw my ACH authorization. They refuse to cancel my account and they refuse to stop ACH transactions. Meanwhile, they compound $ XXXX monthly fees for an account I can't cancel. This is a scam and they are acting unlawfully.

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