vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-25 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: TX

Complaint narrative:
I currently have two addresses that appear on my credit report that I have never resided at that are not associated with me, and that do not belong to me. The addresses are ( 1. ) XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, and ( 2. ) XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. 

I also currently have a total of 9 Hard Inquiries that appear on my credit report that I did not authorize. They are : ( 1. ) XXXX XXXX XXXX  ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX 3. ) XXXX XXXX XXXX XXXX 4. ) XXXX  XXXX XXXX 5. ) XXXX XXXX XXXX XXXX XXXX XXXX 6. ) XXXX XXXX 's ( 7. ) XXXX XXXX XXXX  ( 8. ) XXXX XXXX XXXX 9. ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
We have debt. There is a no contact order on phones XXXX and XXXX. Today, they called twice leaving messages to call them about debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
This is the 2nd company within the month to contact me about the same non-existent loan. I filed a complaint with you about the first company, and you closed the complaint. I want action taken against these people. They make up a loan, threaten me with legal action, and then sell up the made up loan to someone else. They claim that Advance America gave me an in-store loan in XX/XX/2012, and I never paid it back. This simply never happened, and I have contacted Advance America numerous times about this, and every time they tell me there is nothing they can do about it, because it simply never existed. 

The company XXXX XXXX ( XXXX ) contacted me today, XX/XX/XXXX, claiming that Advance America hired them to collect on a loan, or to file litigation against me. If I did not call them back, they would consider that non-compliance, and take me to court. They never sent me any written communication, only a phone call. When I tried to get more information from them, they hung up on me. I had to call back 9 times to even get the name of their company, and another 5 times to get their website, as they would simply hang up on me. I want to file charges against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX and XXXX. I was told by Citi that my card was copied when I opened a dispute for ATM withdrawals. Citi banks system did not notice cash being taken from my account on a daily balance until my money was gone. This should have been unusual activity for my account as I do not use ATM 's to take cash. I am XXXX XXXX so I contacted Citi using online chat and TTY. Two of the transactions where at an actual Citi location so obtaining a photo from that location should be an easy task in order for us to know who used the card. It has been days and Citi still has not received those photos nor have I recovered my funds.

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 2019-04-25 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: NC

Complaint narrative:
Equifax is reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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 — Investigation took more than 30 days
Company: AmeriCollect
State: FL

Complaint narrative:
In XX/XX/XXXX, I disputed with Americollect regarding a derogatory entry they are reporting on my credit reports. In my letter to them, see attached, I specifically stated that I was disputed their claim and that validation was requested. I further requested that the provide me an agreement that stated their authority to collect on this alleged debt, agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date this alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and name and address of the bonding agent for collection agency in case legal action becomes necessary. 

To date, I have received no correspondence from Americollect. My certified tracking receipt, ( see attached ) ; XXXX was received by Americollect on XX/XX/XXXX at XXXX XXXX Americollect has had 51 days to provide a response to me and have yet to respond to me. Per consumer law, a company must respond within 30 days to a dispute. Since Americollect continues to report this inaccurate entry to each of the bureaus ( see credit report ) and has blatantly failed to respond to my dispute, they are violating my consumer rights and further impacting my creditworthiness. This entry must be DELETED immediately. Further, I would like a copy of the correspondence sent to the bureaus to remove this entry from my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: Waypoint Resource Group, LLC
State: AZ

Complaint narrative:
I have sent multiple request for an unverified account to be reported correctly or removed from my credit report. I have sent notice to XXXX and XXXX both reporting information inaccurately. I have verifiable proof that XXXX  has lapsed the 30 day timeframe to investigate this issue and still reporting as accurate. I demand this be removed immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: ND

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 13 and 14 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: AZ

Complaint narrative:
I have sent multiple request for an unverified account to be reported correctly or removed from my credit report. I have sent notice to Equifax and XXXX both reporting information inaccurately. I have verifiable proof that Equifax has lapsed the 30 day timeframe to investigate this issue and still reporting as accurate. I demand this be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Received notification with my bill a few days ago that my apr was increasing to 23.4 % and penalty apt to 29.99 %! I spent over an hour with 3 different individuals at the credit card company. None of them was helpful and they passed me on to another number, which said they would not speak with me unless I gave me a copy of my credit report, I have had this card for 40 some years and ordinarily pay my bills in full. I suspect Im being penalized by them for a dispute for a partial balance with a mover. Thats the only change on the credit report I looked up since I bought a condo in XXXX when I had a score of XXXX. 
I was always happy with this card-they would even thank me for my long term membership every time I called. Now they rest me like XXXX. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX DOB : XX/XX/XXXX SunTrust Mortgage Bank Loan number : XXXX Tracking number : XXXX Case Number : XXXX XXXX Homeowners Insurance Policy Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Wind Policy Number : XXXX XXXX XXXX XXXXXXXX or XXXX XXXX XXXX XXXX XXXX Claim Number : XXXX Issue : Scheduling a 50 % Inspection the lease on my rental house expires on XX/XX/XXXX. I was evacuated from hurricane Florence. My house had over {$350000.00} of damage and is currently not inhabitable. My immediate need is to have an inspection to collect insurance monies for work completed so my contractor will continue to rebuild my house. I have no place to live after XX/XX/XXXX so timing is critical. I discussed this issue several times with Suntrust with no understanding or effort on their part to correct this problem. I originally called for a 50 % inspection on XXXX/XXXX/XXXX. I followed up after 5 working days on XX/XX/XXXX. I called a third time on XX/XX/XXXX. I called a fourth time on XX/XX/XXXX and a fifth time on XX/XX/XXXX. I was told an inspector called me on Friday, but I have no records on my phone of any type of call. As of XX/XX/XXXX, no inspector has contacted me. This represents a time period of 18 days. SunTrust states that an inspector will contact me within 5 business days after I request an inspection. What is the issue? As of XX/XX/XXXX, no inspector has contacted me. 

Regards, 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 non-monetary relief
Consumer complaint received 2019-04-25 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: ND

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 13 and 14 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is the toughest of the 3 reporting agencies to deal with. They make it difficult to access your credit report, They ask vague questions on the identity verifier, they come up with excuses when you call in to get help. I try to login to check dispute status and it says unavailable. I tried to get early exclusion and got multiple run arounds all telling me different things. I have tried to correct information and have been unable to get accurate information posted and can only verify certain info through credit karma and not anywhere else. 

Equifax needs to be more consumer friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: IN

Complaint narrative:
I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX XXXX XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to this, XXXX was reporting an open date of XX/XX/XXXX however Transunion was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had a pre-qualification auto from XXXX XXXX and went a dealership with it and with the preselected vehicle through XXXX XXXX 's website. Upon arriving at the dealership ( XXXX XXXX ), I talked to a salesman, test drove the vehicle and everything. I was not able to leave the dealership with the vehicle that day for some reason with the vehicle and my approval for the auto loan. But I was already approved to purchase through XXXX XXXX. The Manager of Financing wanted to speak with me. While talking with him, I feel as though he was pressuring me to fill out paperwork to look for better interest rates. I filled said paperwork and was called back a few days later, and was told that the said dealership wouldn't be able to offer anything better than I already had approved. Everything was processed and received my vehicle. Later, I started receiving mail from all of these creditors stating that I was denied credit. I've tried reaching to these creditors to get the information as to how and when I gave them permission to run a credit inquiry on my behalf. They all have mailed back saying that it was all verified with that dealership. It's really brought down my credit and I've been fighting this for quite some time now.

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 2019-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: WV

Complaint narrative:
These people keep calling 4 or 5 times a day, they say my phone number is not in there system. They can't tell me who the debt is for. This is a business they keep calling. They are rude and nasty and all they tell me is that my phone number is not registered with them, but yet they keep calling 4 or 5 times a day. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: NY

Complaint narrative:
My money was removed from my bank account from debt collector saying I owed for a credit card that I never applied for, they freezed my bank account, and took my money out my account that I received from workers compensation, I told them I have not applied for any credit cards don't know if some one else used my info but it wasn't me, check my account again today and money from my paycheck has been removed! Got a letter from my bank saying my account was levy they freezed XXXX then today it's another {$300.00} taken out my account!! I don't owe money too any credit card company how do I get my money back and how do I sue these people! I have bills, rent, car notes too pay and there taking my money! This was on XX/XX/2019 the amount of money was {$2100.00}, the company Midland Funding LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IA

Complaint narrative:
On XX/XX/19 I withdrew {$100.00} from the XXXX XXXX ATM located in the Fountain Lobby of my workplace, XXXX XXXX XXXX XXXX, XXXX XXXX IA. At the time of withdrawal the machine did not disclose that I would be charged a fee on screen or anything on the machine. Later when I checked my account online it stated no fee ATM withdrawal. 

A few days latter I was hit with a {$2.00} charge. XXXX with tax. I questioned my bank, US Bank and asked them why when it didn't state the fee on the screen or ATM at the time of withdrawal did it charge me. They claimed it was told to me in two .pdf forms which I had never seen, much less knew existed.

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 2019-04-25 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: NC

Complaint narrative:
Equifax is reporting incorrectly that I am 90 days past due on XXXX XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation