vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-12 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: VA

Complaint narrative:
I'm writing to complain about my XXXX Account ( XXXX XXXX ). The issue is credit reporting on loan sequence XXXX & XXXX. On XX/XX/2019, I spoke with XXXX XXXX. I learned that XXXX XXXX already sent the electronic loan sequences supposedly to each of the bureaus to be reinstated. Today, I learned by speaking with Equifax and XXXX  that the information is still not reinstated on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There are more then a few transactions I never authorized, and I made a claim with the fraud department for Bank of America/EDD card. They denied my claim because the accuser new my pin and has been making transactions since before XX/XX/2019. I have no more money and a job. The police is doing a criminal investigation but I still need help. Please!

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 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VIRTUOSO SOURCING GROUP, LLC.
State: MO

Complaint narrative:
I terminated a home security contract due to poor or non-existant service. The company XXXX neglected to provide guaranteed reporting to my local fire department or other emergency services when I had an in home fire. I had to put the fire out myself and request fire department confirmation that the fire was indeed out and there were no additional safety concerns at that time. I am now being harassed on a multiple times daily robo-calls from a third party named Virtuoso Sourcing Group in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
On XX/XX/2019 I contacted First Financial Asset Management to settle a debt that was originally owed to XXXX XXXX. They informed me of the amount that I owed, and after I explained that I have been going through financial hardship recently, they told me that we could settle the debt if I could make a one time payment of {$160.00}. That was more than I could afford, but they assured me that if I paid that plus the {$5.00} processing fee, my debt would be settled and removed from my credit report. I even asked if a payoff would be sent via email after the payment and they said that it would be. I was then transferred after I scraped together almost everything I had at the time to make the two payments. I asked the person taking the payments if I would receive a payoff email and she said that I should along with receipts for my payments. After the call I only received receipts for my payments and I assumed the debt had been settled. The next update to my credit report showed that I still had a balance of {$40.00}. I feel as if I was mislead and tricked into making a payment by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My credit file is monitored, on XX/XX/2019 I recieved notification of a credit inquiry by Chase. I XXXX and advised that I hasd no account with chase nor had I applied for any type of account with Chas. 
The number provioded on the inquiry doid not work, so I could not reach Chase to complain. On XX/XX/2019 I recieved a welcome letter from from Chase regarding my new account. When I contacted CHase to advise that I had not applied for any card with CHase the represenatoive requested my sovial secuirty number, which I refused to provide. After some effort she did locate an account and advised that she would make the notation that this was not my account. 
On today I recieved a new credit card in the mail from Chase. 

How does a bank establish a line of credit for someone who has not requested it. What actions can I take to protect my self from thois predatory lending practice. 

Respectfully XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I paid {$850.00} to my account with PayPal on XX/XX/2019. They show it as pending and have not credited to my account even though they have received the funds : Paid with XXXX XXXX XXXX XXXX XXXX Transaction ID XXXX Payment info PayPal Credit PayPal claims that the funds are still being processed by the federal bank clearing system. They refuse to  provide any proof of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 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: VA

Complaint narrative:
I'm writing to complain about my XXXX Account ( # XXXX ). The issue is credit reporting on loan sequence XXXX & XXXX. On XX/XX/2019, I spoke with XXXX XXXX. I learned that XXXX XXXXXXXX already sent the electronic loan sequences supposedly to each of the bureaus to be reinstated. Today, I learned by speaking with XXXX  and Transunion that the information is still not reinstated on 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 2019-04-12 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: AES/PHEAA
State: VA

Complaint narrative:
I'm writing to complain about my XXXX Account ( # XXXX ). The issue is credit reporting on loan sequence XXXX & XXXX. On XX/XX/2019, I spoke with XXXX  XXXX. I learned that XXXX XXXX already sent the electronic loan sequences supposedly to each of the bureaus to be reinstated. Today, I learned by speaking with XXXX and XXXX  that the information is still not reinstated on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is making up false docs, also they are trying to collect XXXX XXXX dollars more than owed, also the statue of limitation has expired for this debt, bank of America as a debt collector can not bring suit now, we are disputing this note, as there was never a closing at a title Co., they have refused to produce any recipes for the money, that was claimed that was paid, this was a country wide predator transaction, some of the docs were forged doc, s

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 2019-04-12 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: FL

Complaint narrative:
I believe, that my personal information was stolen by somebody and I was victim of Identity Theft.

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 2019-04-12 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: TX

Complaint narrative:
I have a XXXX account on my file ( XXXX ). I attempted to pay this debt and XXXX refused the money saying they are no longer collecting this debt. I have attached a letter to that effect. It is a violation of federal law to leave a collection balance on my file that I am unable to cure.

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 2019-04-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I checked my credit score status in XX/XX/XXXX and it shows a closed credit card account from bank of America. I have never opened a credit card, checking or savings account with them so I called their 1800 number and they couldn't find me in the system with my SSN # but they found me with my name last name and date of birth with a different social security number I dont recognize because it doesn't belong to me. The ssn # I provided when my information was being verified didnt match with the one they have in their system. I dont understand how is going to affect my credit if they dont even have my SSN # in their system, Why they didnt report it using the ssn # that person used in XXXX?. I wasnt even living in XXXX back in XXXX I came from XXXX XXXX in XXXX. 
This only was reported to XXXX, It was never reported to XXXX or XXXX. I have been submitting several fraud disputes with XXXX since XX/XX/XXXX and every time the dispute gets completed they state that bank of America is saying that the item belongs to me. How the Item is going to belong to me if BOA doesnt even have my SSN # and every time I call BOA they state that it shouldnt have been affected my credit score because my social security number was never used to open an account with them. My SSN # is not being used to open accounts with credit card companies or banks, only my name and date of birth was used to open the account with BOA.. 
I dont think XXXX is trying to help me. Every time I talk to agent from XXXX they sound like they dont know what they are doing and also they can never answer my questions. 
This is affecting my credit and I need to get this resolved.

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 2019-04-12 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: IL

Complaint narrative:
My Name Address XX/XX/XXXX Equifax Information Solutions LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX and XXXX XXXX XXXX XXXX XXXX   {$270.00} XXXX XXXX  {$110.00} XXXX XXXX  {$220.00} XXXX XXXX {$210.00} XXXX XXXX {$250.00} XXXX XXXX  {$230.00} XX/XX/XXXX I received a email dispute confirmation all six Disputes. XX/XX/XXXX I sent the {$0.00} balance receipts for each account that were emailed directly from original provider XXXX XXXX XXXX  XXXX. Debt XXXX XXXX and XXXX XXXX requested the validation information from XXXX and to this day have yet to t receive any response. Its now been more than 90 days since the request for debt validation. 
XX/XX/XXXX I received the letter from Equifax stating the debt was verified. I've spoke to a representative from XXXX and XXXX XXXX to inquire how the debt was validated. I was told they were still waiting for a response from XXXX. This was almost sixty days from when they received request for validation. 
I request that you describe the procedure adopted buto verify this claim, along with the names of the businesses, addresses, and phone numbers of those who have been contacted during this process. This is my right under the Fair Credit Reporting Act. It is disappointing to find a credit bureau not following the proper procedures and does not maintaining the accuracy norms. I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days. 

XX/XX/XXXX Dispute ( XXXX XXXX and XXXX XXXX ) Confirmed ( ie letter ) XX/XX/XXXX Dispute documents ( Six Paid Receipts ) received Confirmation ( ie letter XX/XX/XXXX Confirmation XXXX XXXX  Dispute Status Validation Confirmed XX/XX/XXXX Confirmation XXXX  XXXX XXXX and XXXX XXXX disputed accounts remain on credit file. 

Sincerely, My Name XXXX  www.CONSUMERFINANCE.GOV

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
they took out monthly payment twice call many times for a refund

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: MN

Complaint narrative:
I Need to file a complaint on Experian reporting agencies. I have asked them about 7 time to Please investigate negative reporting on My credit report they keep claiming they the accounts are verified I have sent them factual info and they fail to do a proper investigation. Which is a violation per the FCRA. I DEMAND THE FOLLOWING XXXX ACCOUNTS BE DELETE FROM MY CREDIT FILE. DUE TO WRONG ACCOUNT NUMBER I HAVE ENCLOSED A FILE SO THEY CAN SEE FOR THEMSELVES AND I DEMAND THE FOLLOWING XXXX XXXX ACCOUNTS BE DELETE PERMANENTLY ALSO I SENT YOU PHYSICAL PROOF OF THIS NOW I'm asking you to send me proof of your Physical investigation I wan na know who you spoke with when you spoke with employee id badge number what documents you sent to them what they sent back to you I need Physical proof any sign copies with my sign signature attached as I stated over the last time these are Not my account Not sure who they are and you keeping claiming that you have verified these XXXX accounts I asked that you not use your XXXX digit code system called XXXX XXXX I'm asking for physical proof I sent it to you in this account ( see File ) and I expect you to send me Physical proof as well. per the FCRA 611 I HAVE EVERY RIGHT TO ASKED FOR PHYSICAL IF YOU CAN'T SEND ME WHAT I'm ASKING FOR I SUGGEST YOU DELETE THE ACCOUNT ASAP OR LEGAL ACTION WILL TAKE PLACE!

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 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I have reason to believe that my information may have been compromised due to fraudulent activity. I have an account reporting on my credit that I did not authorize nor give anyone else consent. The information being reported is inaccurate and does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I believe, that my personal information was stolen by somebody and I was victim of Identity Theft.

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 2019-04-12 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 believe, that my personal information was stolen by somebody and I was victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: SC

Complaint narrative:
Sent information to this coming via Experian upload, I've yet to receive a reply. I am needing them to block and remove information on my credit report that is a result of fraud.

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 2019-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
The only debts that appear on my credit report has already passed the statue of limitations. This particular individual called the school district requesting to speak.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received a letter dated XX/XX/2019 from Convergent Outsourcing , Inc. trying to collect {$26000.00}. I am not responsible for this debt and am filing a complaint today ( XX/XX/2019 ) through CFPB to notify the company of my dispute.

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 2019-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Let me start off by saying that I've been in collections for 15 years. I know the ins and outs. I could very easily sue and get XXXX to XXXX for every violation. I've been called repeatedly not even 5 min of each call. I've been called before XXXX. I get 10 call everyday sometimes from different numbers. What's funny is that I haven't answered had I I'd probably have more complaints. I have the phone records to prove it too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On I filed an Identity Theft Affidavit with the FTC on XX/XX/XXXX in result of the information reported against me regarding a defaulted account reported by Bank of America under account number XXXX. 
This account was used without my consent and knowledge. I reported suspicious activity and the use of my personal information to my local PO department as per stated in my FTC Identity Theft Report filed XXXX. 
I have made 3 attempts to request a Fraud Packet from this institution to continue the process as described by the FTC and each time I have been told that I will receive it in the mail. 
Time of Event : XX/XX/XXXX I disputed this account via XXXX and uploaded ( 2 ) forms of ID and ID Theft Affidavit XX/XX/XXXX I called Bank of America and requested a Fraud Packet as advised by FTC XX/XX/XXXX visited my local branch and requested a Fraud Packet as advised by FTC On XX/XX/XXXX I wrote to Bank of America and mailed it certified delivery with USPS ( see attached letter ) and to date I have not received a response. I am repeatedly reuqesting that BOA amend this account and remove the inaccurate derogotary information from my reports because as a result of this incorrect reporting I am experiencing extreem financial hardship.

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 2019-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
This car was returned to Consumer Portfolio services and they have sold this car but they continue to report it on my credit. They picked this car up over 8 years ago and but they still say that I owe them. They say that I owe them over {$9000.00}, which is very untrue. This should be removed from my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
this debt is with a company im unaware of ever dealing with when contacted they could not show proper debt validation and is in violation of the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: FL

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 7 of the attached credit report. This account reports 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. This account is currently being coded as an I5. 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