vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My XXXX account is being reported late 6 times for XXXX per each loan I was under the impression that I was paying one loan but it's split into three so one payment = 3 or one missed payment would be three missed on my credit,. 

My account is being reported wrong by all credit bureaus because I was in forbearance at the time that these late payments have been reported Section 623 ( a ) ( 2 ) States : If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. 

In this case, I was in forbearance during that tie and document attached proves this. By law, credit need to be reported as of this time with all information and documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2019 I had filed two claims with Bank of America. The Claim numbers are XXXX and XXXX and were closed and resolved so they put the money that was stolen by fraud to my account. On XX/XX/2019 they withdrew without first letting me know XXXX, claiming that the amount was duplicated and left my account with a negative balance. This should have not happened because the claim was closed and everything was final. On XX/XX/2019, they took out another debit of XXXX for the same thing without letting me know and my account went into a negative balance and both amounts were from claim XXXX. If a claim was resolved and closed and the bank made the mistake it not fair and wrong for them to come and take money out from my checking account without first letting me know what's going on. That is why banks have insurance to cover fraud protection and like I stated earlier, the claim was close and resolved. It has been a stressful and hectic time for me because I have been a customer of the bank for 19 yrs. I called and they keep connecting you to people who don't know anything. On Friday, XX/XX/2019 I spoke to a supervisor named XXXX and he agreed that the bank was at fault because the claims were closed and resolved. I used the money to pay bills because they said it was closed. Now they come and withdraw when is this issue going to stop. I am scared and stressed and cant sleep because the total for the both withdrawals is XXXX. I am XXXX and don't have that kind of money to be getting back I am in debt with my son to have to deposit that money so my account wouldn't go into default. I really need help because I feel that the bank is trying to cover themselves for there own employees mistakes.

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 2019-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
On XX/XX/2019 I appeared in court in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ. XXXX Case # XXXX. 
I told the Judge I was denied my right to verify if Midland Funding LLC has a license to do business in the state of Arizona or even if the license is up to date or anything else. The judge stated it had nothing to do with the case. I sent Midland Funding LLC a verification letter via their attorney which I got from the Fair Debt Collection Practices Act, I knew if I sent the letter from them, the questions wouldn't be petty & would be helpful to me. I received a few answers to some of the questions but not anything that was important like their license # an address where I could check out the license to make sure it was up to date or anything else about Midland Funding LLC. Now Midland Funding LLC has filed a Notice Of Service Of Plaintiff 's Rule 121 Disclosure Statement. The judge has completely ignored the fact that my rights were violated / denied. 
The previous complaint that I filed is # XXXX which explains what first happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: MN

Complaint narrative:
The following accounts inwhich I'm disputing are not mines and deemed to be fraudulent and I'm demanding that they be removed immediately from my credit file. Please block these accounts, 1 ) US Dept of Education {$3500.00} 2 ) US Dept of Education {$5800.00} 3 ) Dept of ED/XXXX {$4000.00} 4 ) Dept of ED/XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: MN

Complaint narrative:
The following accounts inwhich I'm disputing are not mines and deemed to be fraudulent and I'm demanding that they be removed immediately from my credit file. Please block these accounts, 1 ) US Dept of Education {$3500.00} 2 ) US Dept of Education {$5800.00} 3 ) Dept of ED/XXXX  {$4000.00} 4 ) Dept of ED/XXXX {$3500.00}

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 2019-07-15 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: MO

Complaint narrative:
I need these accounts investigated due to my identity/ wallet being stolen months and years ago. The aftermath of this has destroyed my creditability with the credit reporting agencies. Now I'm requesting physical documentation to support the credit reporting agencies decisions in reporting these unauthorized and unknown accounts to me. In accordance to the FCRA laws I'm asking that these accounts be blocked. 

1 ) XXXX XXXX XXXX {$2.00} XXXX 2 ) XXXX  XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXXl 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX 7 )  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 2019-07-15 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: AR

Complaint narrative:
I HAD 2 COLLECTIONS ON MY CREDIT REPORTS AND TRIED 4 TIMES TO GET THE ITEMS REMOVED FROM EQUIFAX BUT EXQUIFAX REFUSES TO REMOVE THE ITEMS. TXXXX AND XXXX REMOVED THE ITEMS ON MY FIRST ATTEMPT WRITING TO THEM. 
EQUIFAX REFUSES TO REMOVE THE ITEMS I DEMANDED TO RECEIVE VERIFABLE PROOF 4 TIMES FROM EQUIFAX BUT EQUIFAX REFUSES TO COMPLY WITH FEDERAL LAW. ALL EQUIFAX SAYS IS THAT IT WAS VERIFIED. THE TWO ITEM I WANTED REMOVED WAS XXXX XXXX THAT WAS REPORTING A BILL FROM XXXX XXXX FOR XXXX DOLLARS. THE SECOND ITEM WAS FROM XXXX XXXX XXXX REPORTING A BILL FROM XXXX XXXX FOR XXXX DOLLARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: MO

Complaint narrative:
I need these accounts investigated due to my identity/ wallet being stolen months and years ago. The aftermath of this has destroyed my creditability with the credit reporting agencies. Now I'm requesting physical documentation to support the credit reporting agencies decisions in reporting these unauthorized and unknown accounts to me. In accordance to the FCRA laws I'm asking that these accounts be blocked. 

1 ) XXXX XXXX XXXX {$2.00} XXXX 2 ) XXXX XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX 7 ) 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 2019-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My XXXX account is being reported late 6 times for XXXX per each loan I was under the impression that I was paying one loan but it's split into three so one payment = 3 or one missed payment would be three missed on my credit,. 

My account is being reported wrong by all credit bureaus because I was in forbearance at the time that these late payments have been reported Section 623 ( a ) ( 2 ) States : If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. 

In this case, I was in forbearance during that tie and document attached proves this. By law, credit need to be reported as of this time with all information and documentation

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 2019-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINE AND XXXX XXXX REFUSES TO REMOVE I HAVE SENT THE AFFIDAVIT, I RESIDE OUT OF THE COUNTY NOW THAT IM BACK HOME I HAVE FILED THE REPORT AND WILL ATTACH BELOW ( XXXX HONERED IT BUT XXXX REFUSES ) AS PER FCRA 605 C THIS INFO MUST COME OFF WITH IN 4 DAYS. 

AS AN XXXX XXXX XXXX, NOT SURE WHERE THIS ACCOUNT IS COMING FROM

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Card number XXXX American Express stole {$91.00} from my credit card. 

Amex has charged my card by {$91.00}. It shows in my transaction history as Fees and Adjustments. XXXX XXXX XXXX XXXX. 

I spoke to two Amex representatives who said they don't know what the charge is and also they cant see the charge in their system. 

I spoke to a customer service manager at Amex who said that he can see the charge but he has no clue why Amex charged my card. He also said that the system doesnt give him any description for the charge. 

The customer service manager put the call on hold and spoke with the fraud department of Amex and the fraud department told the manager that they have no idea why this charge was placed on my card. Its quite obvious that the fraud department of Amex would not have any clue especially when Amex themselves have stolen the money from the credit card. 

I asked the manager to dispute the charge to which the manager said that the system is not letting him dispute the charge. 

This is STEALING.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: First Technology Federal Credit Union
State: CO

Complaint narrative:
I have contacted this company for the past year starting last XX/XX/2018. I have requested that they First Tech Federal Credit Union send me my monthly statement in the mail. I have visited their company office located at the location below to request my statements be sent in the mail to my home address below. The statements have never showed up and I am concerned with this company reversing my payment and misapplying it to try and mess up my credit. 

First Tech Federal Credit Union XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINE AND TRANS UNION REFUSES TO REMOVE I HAVE SENT THE AFFIDAVIT, I RESIDE OUT OF THE COUNTY NOW THAT IM BACK HOME I HAVE FILED THE REPORT AND WILL ATTACH BELOW ( XXXX HONERED IT BUT TRANSUNION REFUSES ) AS PER FCRA 605 C THIS INFO MUST COME OFF WITH IN 4 DAYS. AS AN XXXX XXXX XXXX, NOT SURE WHERE THIS ACCOUNT IS COMING FROM XXXX CFPB COMPLAINT NUMBER 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 2019-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I do believe the neighbor in which the local court granted me a protection order against for stalking/harassment because of the evidence I presented to the court from security cameras is who opened this account in my name. 
The XXXX box on my outside wall was found to have a splitter attached to the main line coming in then split off to another cable in which ran to his townhouse. XXXX county civil court case number XXXX Divison 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 2019-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC
State: NC

Complaint narrative:
I tried to contact this collection collection, Dynamic Recovery Solutions in reference to XXXX XXXX XXXX asking them to send me Vertifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {$42000.00} is mine. They have failed to vertify this account which has hurt my ability to obtain credit. This collection company has only sent 1 collection letter and I have sent them 4 dispute letters and have never received an response from them. This account doesn't belong to me. Under the FCRA, unverified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account remove from my XXXX, XXXX  and XXXX  Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 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: MO

Complaint narrative:
The information reporting on my credit report is incorrect via two ( 2 ) accounts, accounts I deemed to be fraudulent because they are Not mines. Please remove and block these 2 accounts, 1 ) XXXX XXXX {$580.00} 2 ) XXXX XXXX {$240.00} I've also asked for physical documentation, id vertification and signatures to these accounts, or in accordance with the FCRA these accounts shall be removed The credit reporting agencies are depending on electronic Verification inwhich can not be accepted as proof. So either I'm provided with this certified physical documentation or the accounts should be removed.

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 2019-07-15 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: MD

Complaint narrative:
The following accounts are fraudulent accounts that's reporting on my credit file. These accounts I have no knowledge of nor could I explain their assistance. I'm asking for the credit reporting agencies to remove these accounts immediately or making a physical shown of why you are continuing to report such unauthorized accounts. Remove the following accounts. ( 1 ) XXXX XXXX XXXX {$5200.00}, ( 2 ) XXXX XXXX {$4700.00}, ( 3 ) XXXX XXXX XXXX {$560.00}

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 2019-07-15 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: MD

Complaint narrative:
The following accounts are fraudulent accounts that's reporting on my credit file. These accounts I have no knowledge of nor could I explain their assistance. I'm asking for the credit reporting agencies to remove these accounts immediately or making a physical shown of why you are continuing to report such unauthorized accounts. Remove the following accounts. ( 1 ) XXXX XXXX XXXX {$5200.00}, ( 2 ) XXXX XXXX {$4700.00}, ( 3 ) XXXX XXXX XXXX {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
Today XX/XX/2019. I tried to cash out my money from Square Inc. worth {$210.00} they asked my for verification ID so I scan my driver license and face verification I did everything they asked and it says its says verified after a minute I tried to continue cashing my money because its verified and then says can not be completed when I look in the setting my account is closed.I cant even cash out to my bank or debit card.I didnt do anything that against there rules or term and Conditions.I want my money I work hard over it and they just closed my account and not allowed me to get my own money.Of what theyre doing after scanning your personal information and get your money its a scam.I hope you can help me to get my money back and take action of this apps.They only replied once with my 3 emails of them still did not solve my problem there only reply is we can not give you any another information why your account closed.Thats not totally fair and good after all what I did for giving them my All personal information.Its my money I have right for it.Please take action of this square inc apps online.I need my {$210.00} money ASAP.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC
State: NC

Complaint narrative:
I tried to contact this collection company, Qualia Collection Services in reference to XXXX XXXX/XXXX   asking them to send me Vertifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {$790.00} is mine. They have failed to vertify this account which has hurt my ability to obtain credit. This collection company has only sent 1 collection letter and I have sent them 4 dispute letters and have never received an response from them. This account doesn't belong to me. Under the FCRA, unverified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assit in having this account remove from my XXXX, XXXX and XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: FL

Complaint narrative:
I pulled my Credit report from Experian XXXX XXXX XXXX. Amazingly my XXXX XXXX was finally BACK to where it was a minimum of XXXX months ago and get this BEFORE I paid down multiple accounts. To tell me this score and report is NOT incorrect is demeaning and frankly insulting. They can NEVER calculate the correct score for anyone because their information can be XXXX or more months old. You on the other hand profess to be a consumer " protection '' agency while this continues unabated impacting millions of Americans forcing adverse action or high interest rates. Frankly other Americans are too XXXX to recognize the fraud and it is fraud when one deliberately provides false or misleading information. The consumer suffers penalties for that, these agencies NADA. I don't give a XXXX let them wake up. I just want me and mine to have their right scores. Rhetorically, do you think as honorable ethical people you can get that done? XXXX Experian data XX/XX/2019 2019

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