vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-11 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: CT

Complaint narrative:
I have contacted Experian to get erroneous negative information removed from my credit report for a company, XXXX XXXX XXXX, for which I have no knowledge. Experian says they have received certification as to accuracy but this is impossible as I have no knowledge of the account for which the company is trying to collect. Experian does not provide any details or contact information to get this matter cleared up.

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 2017-12-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Control Technology, Inc.
State: MI

Complaint narrative:
This complaint is in regards to debt collection efforts being made by a collection agency called Accounts Control Technology.This company without notice began garnishing 25 % of my substitute teacher pay every period since XXXX XXXX. My income as a substitute teacher does not meet U.S. poverty standards my pay is only {$80.00} a day. The company states they are part of the Department of Education. To explain further Accounts Control Technology garnished my check without notice. In addition they only notified my employer about the garnishment. When I contacted them by telephone they were very rude and hung up on me. Not being allowed to dispute the debt prior to garnishment has caused a tremendous amount of emotional distress. It is my understanding that my employer was told not to give me any written information about this matter in spite of my calling and providing written notification requesting a copy of the notification sent by Accounts Control Technology. Most important Accounts Control Technology grossly and falsely overstates the amount of the debt that is allegedly in default. Finally I am experiencing sever financial hardships and am suffering from the impact of the actions of this company. 

In closing I really need help in approaching these people because they wo n't budge and it does n't seem to matter what problems it causes me or that I may have to resign from doing my lifes work because of this. 

Best Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: DC

Complaint narrative:
I have received multiple calls in the past few months from alleged debt collectors. 
They are calling themselves XXXX " XXXX XXXX XXXX ''. They have called me from various different phone numbers in different states XXXX, XXXX, XXXX, XXXX, XXXX. They allege to have sent multiple collection letters, which is false. They refuse to give me information about the company and are often aggressive when questioned about the company. Additionally, they have threatened my credit by putting this bogus account into collections. 
They have my full name, full address, date of my appointment, and name of medical provider. I know I paid the amount in full that they are talking about but it is concerning that some group would be able to get all this information about my health history. 
I have already contacted my health provider and insurance company about this and I do not intend to pay this bogus bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: GA

Complaint narrative:
This is not my XXXX card, I have been experiencing issues with my dad 's debt being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX. ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.

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 2017-12-11 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: GA

Complaint narrative:
This is not my XXXX card, I have been experiencing issues with my dad 's debt being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.

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 2017-12-11 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: LA

Complaint narrative:
I have been trying for weeks to login into EQUIFAX disputes online via there website and my EQUIFAX account with no success I always get a system down message. I am a paying member of Equifax credit watch and am very annoyed I can not access my credit report!!! I have tried calling in and speaking to someone to fix this issue with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX 2017 {$1.00} Wrong information 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 2017-12-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX 2017 {$1.00} Wrong information 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 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
someone opened a new credit card ( XXXX ) in my name on XXXX XXXX. I think this is a result of the Equifax data breach as they acknowledged my data was included in the breach. Equifax has free credit monitoring for 12 months but their system is never available to sign-up. This is very time consuming for me to fix issues like this and I want Equifax to be responsible for such a horrendous lack of security. Every time I click on the link offering one year free credit monitoring from Equifax, I get the message that the system is not available. I have tried many times for last 3 days and always get the same message that the system is not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This is not my XXXX XXXX XXXX card, I have been experiencing issues with my dad 's debts being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX. XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.

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 2017-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America 's vendor cut down a tree at my house and I was charged for the cutting and removal thus the charge increased my mortgage balance. I was charged for the cutting and removal. The tree has been laying on my property for months ( see attachment ). I was told that the tree would be removed months ago, but nothing has happened.

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 2017-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This was my first complaint submitted to CFPB : XXXX XXXX issued me a check in the amount of {$7500.00}. I never received the check. When I inquired about the check, XXXX XXXX stated that the check was cashed at Wells Fargo. I do not have a Wells Fargo account. I have called Wells Fargo on several occasions, but because I do not have an account with them, they told me that they could not help me. They then advised that I go to XXXX XXXX to file a claim with them. I contacted XXXX XXXX on numerous occasions. In one instance, they told me to complete a form and return it to them notarized, which I did. But when I inquire about the claim, they will give me the run-around, or worse yet, just ignore me. I have even gone down to the police station to file a claim, but they told me that they could n't help me, and to go talk to XXXX XXXX. 

Wells Fargo stated that they could not help me, and directed me to go to XXXX XXXX for help. I understand that XXXX XXXX is the one who issued me the money, but it was Wells Fargo who cashed my check to someone else. My check was not a small amount. Wells Fargo needs to do their part to find out who they gave my money to, and reimburse me because they are the ones who erred, not XXXX XXXX. Wells Fargo, needs to take responsibility for failing to cash the check to the right individual. If Wells Fargo was going to simply ignore my request for help again, why did they have me complete a notarized affidavit stating that I did not receive my money?

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 2017-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion Consumer Relations XXXX. XXXX XXXX, XXXX, PA XXXX I have contacted Transunion several times to have this information that is untrue and incorrect removed from my credit report. This has not taken place and the information remains on my report, even though I have stated that I do not owe any debt or applied for the following accounts. The accounts can not be physically verified and or proof not retained to keep reporting this is misleading or unproven information, especially considering a composed consumer complaint notifying them of said issues so please help to have the information DELETED the following illegally reported allegation here and now : Alleged creditor reporting item : XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Alleged creditor reporting item : XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX of XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX, FL XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX, FL XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX of XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX, MD XXXX ( XXXX ) XXXX-XXXX *Inquiry from XX/XX/XXXX *Alleged Account at issue : Reference Number XXXX Date Filed Reported on XX/XX/XXXX Classification Bankruptcy Responsibility Individual U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2017-12-11 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: GA

Complaint narrative:
This is not my XXXX XXXX XXXX card, I have been experiencing issues with my dad 's debts being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.

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 2017-12-11 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: GA

Complaint narrative:
This is not my XXXX XXXX XXXX card, I have been experiencing issues with my dad 's debts being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.

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 2017-12-11 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: SCA Collections, Inc.
State: NC

Complaint narrative:
I have repeatedly contacted SCA Collections and asked them to send me proof that two accounts belong to me. They are both duplicate accounts, but just have different account numbers, but all the other information on the credit report is accurate. Every time they tell me they can not verify that it is mine, they just tell me it is without any proof, and tell me to contact the original debtor. So I contacted the original company and they do n't have any information about the account and it is a circle of forwarding to different companies who each do not have any information about any account that belonged to me. Eventually I was forwarded back to SCA Collections. I informed them about this, yet they refuse to remove the accounts. I contacted XXXX about it ( the only credit bureau with these accounts in them ) and they say they 've " verified the information '' yet how can they verify if when I call to verify they do n't have any relevant information for me. I do n't have any documents because the account is n't 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 2017-12-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: IN

Complaint narrative:
XXXX AND CONSERVE VIOLATED THE T.C.P.A. 11 TIMES ON MY CELL NUMBER, TRYING TO COLLECT 3RD PARTY DEBT THAT WAS RELATED TO I.D . THEFT AND NOW MUST PAY RESITUTION. 

THEY ALSO VIOLATED THE '' DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT, STATE AND FEDERAL INFRACTIONS APPLIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX ( Sunday ), I made a mobile deposit which places a hold ; however, it posted to my account on XX/XX/XXXX which Regions charged me a {$36.00} overdraft fee. My balance with the deposit posted was {$63.00}. Supposedly, they say my deposit is not " available '' until XX/XX/XXXX ; however, if that was the case, it would not have posted to my account on XX/XX/XXXX. They are erroneously posting overdraft charges which should not be incurred. I can provide sufficient documentation to show this. Also, the customer service representatives thru internet banking keep contradicting themselves. This issue needs to be resolved. 

I was sent a letter by the company ; however, unfortunately, I do not agree with what is in their letter to me. My deposit of {$110.00} was available to me as it posted to my account that night which my total balance to pay items was {$780.00} ; therefore, there were no charges posted that would have caused an overdraft fee of {$36.00}. They are saying that my deposit was not available ; however, if that was the case, it should have still been pending, NOT posted to the account. A statement of account has been provided to BBB. The charge should be reversed.

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 2017-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I opened a checking account in XX/XX/XXXX and the terms stated with {$300.00} direct deposit receive {$200.00} bonus. I had DD 2x a month for several months and did n't receive the bonus. I have followed the terms to a T and since I 've tried calling, doing live chat and sending secure messages I would like to have this matter resolved. I feel like this company might be preying on senior citizens. They attempt to be confusing and state different terms or reasons to deny me each time I contact them. 

The terms I signed up for : To receive the bonus : 1 ) Open a new BMO Harris Smart MoneyTM Account, BMO Harris Everyday Checking, BMO Harris Select Checking or BMO Harris Portfolio Checking account between XX/XX/XXXX and XX/XX/XXXX in a  BMO Harris Branch, by calling XXXX, or by clicking open now above.Well automatically apply the {$200.00} offer promo code when you apply online 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. 
Cash bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes. You are responsible for any applicable taxes. Offer can not be combined with any other offer, is non-transferable and is limited to one per 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 2017-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: NC

Complaint narrative:
I have tried several times to have them send me a contract I signed with the company for the dates of service ( from both companies i owe ). According to the fair credit reporting act section 609, they must do this! They keep telling me that they can not send me this and will only send me an itemized bill : how do I even know this was me? How do I know the original creditor didnt send it to my insurance for fraud??? 

When I asked why the amount owed for XXXX XXXX XXXX was {$140.00} more than what my credit report shows or the last bill I received from the company, they couldnt tell me an exact reason why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I called XXXX XXXX on XX/XX/XXXX after I made a payment on the card because I saw a {$14.00} charge that I had not made. A dispute was filed on the charge and the card was cancelled to prevent any other fraudulent charges from being made. A new card was to arrive in 5 business days. My new card still had not arrived on Saturday, XX/XX/XXXX so I called once again and they I had called on Wednesday, XX/XX/XXXX, which I most definitely had called on XX/XX/XXXX as that is the day my payments are due each month. I called today, Monday, XX/XX/XXXX as  my new card had arrived and I needed to activate it. However, the entire account has been blocked while they work on the dispute. This was not mentioned the first time I called on the XX/XX/XXXX nor the second time I called on the XX/XX/XXXX. They have said they are expediting it and I should hear back in 24-48 hrs. However, that is unacceptable as I have purchases that need to be made, including prescription medication and will be traveling back home for the holidays shortly.

Company response to consumer: Closed with explanation