vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: MN

Complaint narrative:
On XX/XX/2019 I signed up for XXXX Premium with billing via Google Payment and XXXX at the advertised billing rate of {$17.00} monthly. I received an invoice that said the total, including tax, is {$17.00}. Since then, Google has overcharged me each month for {$19.00} via XXXX 's billing platform, {$1.00} more than the invoiced amount. The the in-app price shown both before and after subscribing to the service is {$17.00}. 

I have contacted Google customer support several times, and they do not acknowledge any mistake on their part. I have only been able to recoup the difference through escalation with XXXX, who further say I need to resolve the recurring billing issue with Google.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
On XX/XX/XXXX this debt was opened and put on my credit report for {$5400.00}. Thus us not my debt I was given a document from the original creditor with a {$0.00} balance XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: TX

Complaint narrative:
I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2020-01-09 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:
On XX/XX/XXXX, I sent a letter to Equifax disputing an account with XXXX XXXX XXXX  that was reporting an inaccurate date of first delinquency and payment history on my credit report. Equifax was showing the account was 30 days late in XXXX of XXXX, but that the date of first delinquency was XXXX of XXXX, which moved it forward by one full month. Therefore, Equifax 's own report showed conflicting information. In addition, my XXXX  report showed the account had become 30 days late in XXXX of XXXX. I disputed the entire payment history of the account on my Equifax report due to these inaccuracies. On XX/XX/XXXX, Equifax responded to my dispute. Equifax verified that XXXX of XXXX was the correct date of first delinquency. However, Equifax completely messed up the entire payment history for the account. Equifax removed all payments from XXXX entirely. Equifax added two late payments that never occurred : they said I was 150 days late in XX/XX/XXXX and I was 180 days late in XX/XX/XXXX. These late payments are not only incomplete, but also moved forward nearly a full year after these late payments supposedly took place. This makes it look like I was late in XXXX, and I did not make any late payments in XXXX. The account was charged off during the entire year of XXXX. Overall, Equifax added false late payments to this account, removed my on-time payments, and did not properly investigate the account. The account is not compliant with the FCRA now or before my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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 previously notified you that I am a 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 2020-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I opened an account with HSBC then I transferred all my savings to their 'Online ' Saving Account ( HSBC Direct Saving ). 

Later, HSBC suspended my account because I tried to transfer some of my savings to another bank ( XXXX ). 

Now, HSBC wants me to drive to the nearest branch to verify my identity, and the nearest branch is 5 hours away. 10 hours in total. 

Currently, my account is locked and can't be closed. 

I opened an online saving account, NOT a traditional savings account. Online banks like XXXX doesn't have any branches. 

This is why it sounds odd and ridiculous for requiring me to drive 5hrs to the nearest HSBC branch to verify my identity after I  deposited all my savings. 

My account has been suspended for almost a month already. The money in the account is needed for utility bills and mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously notified you that I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: FL

Complaint narrative:
Received a debt collection notice in the mail from AIC ( Allied International Credit Corp ) in reference to an XXXX  account, claiming that I owe XXXX {$190.00} However, I don't have an XXXX account. Obviously a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: Innovis
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent Innovis a dispute regarding an inaccurate account listed on my report from XXXX CC. Innovis showed the account was " estimated to be removed from my report XX/XX/XXXX. '' I disputed this date because I could not determine whether or not it was accurate. Innovis did not show the date of first delinquency or a monthly payment history for the account. I disputed the entire payment history and the date of first delinquency for being incomplete. On XX/XX/XXXX, Innovis responded to my dispute and said everything was verified as accurate. How can information that is incomplete or missing be verified as accurate? It's simply not there. Innovis can not determine the date the account would be removed without at least one of these pieces of information. Due to their response, I maintain the account is not compliant with the FCRA because it is lacking critical information. In addition, Innovis violated my rights by not correctly investigating the account and removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: F.H. Cann & Associates, Inc.
State: AZ

Complaint narrative:
On XX/XX/19 I received an email saying my check was being garnished XXXX by a company named FH Cann & Associates I was immediately concerned because I have never contracted with this company and I was concerned some type of fraudulent activity on my SSN so I gave them a call and had come to find out that they were garnishing my check for a federal loan that I hadnt received any correspondence from in years and in fact have sent out numerous letters to to try and verify that de debt existed without any response and on my credit report it was noted to be Charged off. Anyways they informed me that they sent mail to an address that I havent lived at in over 5 years and that they can me an opportunity to respond which is a lie. No I have to file a complaint in court for improper service and hope this ends the garnishment and I can negotiate to manage the debt. This is causing me extreme hardship and I hope this can be handled correctly moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: AZ

Complaint narrative:
On XX/XX/19 I received an email saying my check was being garnished XXXX by a company named XXXX XXXX XXXX XXXX I was immediately concerned because I have never contracted with this company and I was concerned some type of fraudulent activity on my SSN so I gave them a call and had come to find out that they were garnishing my check for a federal loan that I hadnt received any correspondence from in years and in fact have sent out numerous letters to to try and verify that de debt existed without any response and on my credit report it was noted to be Charged off. Anyways they informed me that they sent mail to an address that I havent lived at in over 5 years and that they can me an opportunity to respond which is a lie. No I have to file a complaint in court for improper service and hope this ends the garnishment and I can negotiate to manage the debt. This is causing me extreme hardship and I hope this can be handled correctly moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: FL

Complaint narrative:
I have submitted letters to all 3 credit bureaus and to the creditor them selfies to dispute these items on my credit file. They have not responded a letter was sent to all parties involved on XX/XX/19 and no action has been taken nor was it removed or corrected all document proving my case was submitted as well. There are 2 accounts listed on my credit file with the exact account number being reported as a duplicate with incorrect information the account should be reported all 3 CB under XXXX/XXXX XXXX the amount/High credit limit and past due amount are incorrect. XXXX  XXXX XXXX has my information on CF reported incorrectly with duplicate accounts 2 separate account numbers which is making my CREDIT UTILIZATION higher than it should, all information is listed incorrectly on report. XXXX XXXX is reporting incorrect information on my credit report to all 3 CB the account status is listed incorrectly and the MONTHLY PAYMENT IS LISTED AS $ XXXX/MONTH which is INCORRECT. Another DUPLICATE account listed on CREDIT FILE XXXX XXXX  and XXXX WITH THE EXACT SAME ACCOUNT NUMBER ALL INFORMATION REPORTED IS INCORRECT, this account had been paid and and there is not a past due amount as XXXX  is reporting. XXXX XXXX XXXX is reporting INACCURATE INFORMATION ON CF. XXXX XXXX XXXX REPORTING INACCURATE INFORMATION UNDER XXXX  this account is closed not open. XXXX located on credit file doesnt belong to me I have never had an account with this XXXX  or XXXX   XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
Company reports derogatory collection As medical debt company can not provide verifiable copy of original contract or receipt of service, Company refuses to provide debt validation as requested my XXXX has been used without my consent in the past 6 years without my knowledge credit alert on file since XX/XX/2013. SSN is not enough to prove debt validation without copy of original contract from original creditor to validate actual existent of original debt/contract. Numerous attempts for validation have not been met.

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 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I disputed an account From XXXX XXXX XXXX XXXX and it was removed in XX/XX/2019 it was added back to my credit report XX/XX/2019 I disputed it again and is still there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I moved out of XXXX XXXX XXXX XXXX XX/XX/XXXX due to a XXXX XXXX issue I was going thru I had numerous police reports and the regional manager agreed to let me out of my lease without penalty. I myself paid for the apartment to be professionally cleaned before turning in the keys. Weeks and months went by before I ever heard anything back from the complex before one day getting a call from their collections agency threatening if you dont pay this money back you wont be able to rent a place anywhere when I asked what it was for? She stated that the manager said the unit wasnt ready for the next tenant to move in and they had to have it cleaned. I advised the woman to not call me again since I knew the unit was left in impeccable condition, the same lady still continued to call about 3 more times on different days. I tried talking about this with the XXXX XXXX manager XXXX and she was very rude and provided no support whatsoever.. AT THAT TIME XX/XX/XXXX nothing had been put on my credit .. now XX/XX/XXXX they just recently placed a debt amount on my credit .. which I felt they waited to long to do & is wrong because I have pictures and videos that the unit was left clean.

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 2020-01-09 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: CA

Complaint narrative:
-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

3.  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my 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 non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Merchants Acceptance Corp
State: WA

Complaint narrative:
While I was employed I was garnished for almost 2000 $ when calling and trying to make payment I was told I couldn't as it had been sent to a different area in the legal department. I was then on XXXX and received notification that I still owe roughly the same amount. What started as a XXXX debt has been raised to XXXX paid to XXXX and now above XXXX again. Im Currently unemployed and it's a never ending cycle with no resolve In sight. I asked to work out a settlement and was given an amount that was no way feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019, after I purchased gas at a XXXX XXXX  ( near XXXX ), I noticed my credit card chip or identity was stolen. There were 9 unauthorized transactions ( total of ~ {$800.00} ) shown up on my Bank of America credit card account. These transactions were made during XXXX until I called BOA to issue a replacement card. A fraud claim has been filed to the bank but was denied by the Bank many times ( even by the supervisor ), even though I have filed a police report to support my claim and contacted the credit reporting agencies. I never had a late payment and has been with the BOA for 10+years. 
I do not understand why BOA would doubt the fraud claim filed by a loyal XXXX  XXXX XXXX. Based on my purchase history, I rarely ever made purchases at those stores ( XXXX, XXXX, XXXX XXXXXXXX ). These were obvious frauds. I should have just told the Bank that my credit card was lost or stolen. I am not sure what else I could do with these fraudulent charges.

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 2020-01-09 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: NY

Complaint narrative:
i previously notified you that I am a victim of identity theft. I am also stating that I did not receive any good or anything from the false information that is on my report that belongs to someone else.

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 2020-01-09 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: NY

Complaint narrative:
i previously notified you that I am a victim of identity theft. I am also stating that I did not receive any good or anything from the false information that is on my report that belongs to someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I disputed an account From XXXX XXXX XXXX XXXX and it was removed in XX/XX/2019 it was added back to my credit report XX/XX/2019 I disputed it again and is still there

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my 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