vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 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: NV

Complaint narrative:
The series of request letters that have been sent to Equifax has resulted in zero success. All letters have been mailed with copies of my ID and Social Security Card for verification. Ive sent a letter on XX/XX/2020 via certified mail and in my dispute letter, I've demanded to be sent copies of the original documents ( with my signature on them ) showing that the account on my credit report belongs to me. However, in the result of that investigation, they stated that they verified that the account belongs to me and is reporting accurately but they have not met my demands by providing me with the original documents nor did they provide me with the names, addresses, and phone numbers of those contacted. 

Following this, on XX/XX/XXXX I sent a Method of Verification Request letter via certified mail regarding their response. I had addressed FCRA 611 ( a ) ( 6 ) ( b ( iii ), which provides that a consumer may request a  description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, Ive asked that they provide the following : 1. The description of the procedure used to determine the accuracy and completeness of the information. 
2. Name, address, and telephone number of each person contacted regarding this alleged account. 
3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
4. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

However, as a result, they have concluded the reinvestigation by stating that they have verified that the account belongs to me and is reporting accurately without providing me with the methods of verification ; names, addresses, and phone numbers of those contacted, or a copy of the original documents with my signature on them. It is clear that this is an automated response or e-Oscar verification method, which is unacceptable. I just dont understand how XXXX has removed the account from my credit report while Equifax refuses to even follow the simplest demands. Due to the information that I have and the frustrating process, I hope to resolve this issue effectively and efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AMCOL Systems, Inc.
State: IN

Complaint narrative:
I am in a XXXX Savings Program called the Qualified XXXX Beneficiary ( XXXX ) Program. XXXX providers aren't allowed to bill for XXXX-covered items or services. Since XX/XX/XXXX, XXXX XXXX XXXX  Hospital, XXXX XXXX XXXX, IN, has been sending me a bill for {$380.00} for an attendant XXXX physician. 

In XX/XX/XXXX, XXXX XXXX sent this illegal charge to a collection agency : AMCOL SYSTEMS INC Type of Industry : Other Collection Agencies Account Number : XXXX Address : XXXX XXXX XXXX XXXX SC XXXX Phone Number : ( undefined ) undefined where it has appeared on my credit report since, decreasing my credit score and preventing me from obtaining credit. I made numerous attempts with XXXX XXXX Hospital to bill XXXX and they refused. I have contacted the collection agency and they refuse to remove this report. The culprit here is XXXX XXXX XXXX Hospital, XXXX. 

My XXXX number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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 mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ftc violatoions XX/XX/2017, the Consumer Finance Protection Bureau filed a lawsuit against XXXX. The CFPB accused XXXX of failing to act in its customers best interests. Among other things, the CFPB charged that 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 2020-02-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ftc violatoions XX/XX/2017, the Consumer Finance Protection Bureau filed a lawsuit against XXXX. The CFPB accused XXXX of failing to act in its customers best interests. Among other things, the CFPB charged that 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 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I received a letter during holidays on XX/XX/2019 while we were out of the country, that my mortgage was transfered to another Mortgage company. Mr Cooper indicated that all automatic payments would stop immediately thing that didn't happen. I got double charged ( new Lender ) and Mr Cooper. I've been calling, asking for the reimbursement of my money and they don't act, respond or do something about it. I am claiming the reimbursement of {$1400.00} with no success. Several phone calls, follow up and Mr Cooper Lender ( Nationstar Mortgage LLC ) just simply do nothing about it. The money is in their system as " Miscellaneous Payment ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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 — Was not notified of investigation status or results
Company: Innovis
State: TX

Complaint narrative:
ftc violation on the report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Credit card company will not distinguish between promotional and purchase balance when assessing interest charges. The are applying my entire payment, some of which is over the minimum payment, to the promotional balance while continuing to increase my high-interest purchase balance. 

Promotional balance began in XX/XX/XXXX - {$1300.00} Purchase made XX/XX/XXXX - {$280.00} Total payments thru statement closing date of XX/XX/XXXX - {$410.00} Interest charged XX/XX/XXXX - XXXX Minimum payment due - {$19.00} Balance subject to interest - {$260.00} promotional balance {$1100.00} Payment through statement closing XX/XX/XXXX - {$100.00} Interest charged XX/XX/XXXX - {$6.00} Minimum payment due - {$18.00} Balance subj to interest - {$270.00} Promotional balance {$990.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Hello! 
I opened an account with Wells Fargo in XX/XX/XXXX with the impression that I was going to receive the bonus checking offer. I made sure I met all the requirements within the time frame. I searched how long it would take for the bonus to be in my account and it said 45 days. 

So I waited for 45 days, and then I called their customer service line in XX/XX/XXXX. I was told by the customer service rep that it's 45 BUSINESS days and to wait a few more days because I did hit all the requirements. I'll receive a message in my account letting me know that I successfully met all the requirements and when it will be deposited. 

I called again in XXXX since I haven't received it yet, and then I am told that it's because I didn't meet the requirements. I asked to speak to a manager and was transferred to " Escalation Support ''. XXXX told me that she will file a report and have it " further investigated ''. I explained that I was already told I hit all requirements. I wanted an explanation as to how, all of a sudden, I'm no longer eligible. She couldn't explain why, but said I'll receive an email or a letter in the mail. 

A month later I received a letter saying that I didn't meet all the requirements. 
The requirements were : 1. Open an account through the link I got in my email. 
Which I did. 
2. Deposit at least {$25.00} I deposited {$50.00}. 
3. Receive a total of {$3000.00} or more in qualifying direct deposits to the new checking account within 90 days from account opening ( the qualification period ). - I had direct deposits of at least {$4500.00} *I am in a participating area. ( Zip code is XXXX ) *My account never reached {$0.00}. 
*I opened a regular checking account. 
*I am a new customer. 

I attached : 1. 3 bank statements showing I met all the requirements. 
2. The email of the offer I received with a time stamp. 
3. A screenshot of their current offer that's similar to what I opened with. ( The only difference is now it's {$4000.00} instead of {$3000.00}. 
4. The letter that they mailed me after being told I didn't qualify for the bonus. 

As of today, XX/XX/XXXX, I closed my account over the phone. Explained this reason again and all I got was " our apologies ''.

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 2020-02-28 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 — Was not notified of investigation status or results
Company: Clarity Services
State: TX

Complaint narrative:
ftc violation on the report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ftc violation on the report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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 mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for  which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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 mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-02-28 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
Target is reporting my account as over 30 days past due. They are also reporting it in 3 different months ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) on 3 different credit reports ( XXXX, XXXX, and XXXX ). I have asked them numerous times to remove the delinquency because there was an error on their part for the reporting. I never received any bills, or emails, or phone calls regarding the account. The first phone call I received was after the account was over 30 days delinquent. If you listen to the phone call, which is recorded, you can tell I didn't even think the account was delinquent. I told them that if they would have ever left me a voice mail notifying me the payment was due, I would have immediately paid it and the account never would have been delinquent. I have had the account since XX/XX/2006 and never made any late payments. This should show that something rather out of the ordinary must have occurred. I asked them to review the calls to my number and they would see that no voicemails were left EVER! They are adamantly refusing to do the right thing. I am in dire need of assistance because I am trying to purchase a home and I am over them not investigating and telling me conflicting information. I had one person tell me, in a recorded conversation, they would have the bureau remove the item. Then, when I called them back 45 days later, they told me to stop calling them because they WOULD NEVER remove the item. I am tired of playing games and need this situation rectified immediately. I have been dealing with this issue for nearly a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
The company Sequium Asset Solutions has fraudulently and illegally placed their information against my social security number and it's causing great harm to my report. I tried to explain to this company that this account is not mine and get debt validation as I have not signed a contract with them. This account is fraudulent and was made without my consent. They have sent no verification of debt or a right to dispute the debt before reporting on my credit. This is the only thing on my credit profile that's holding me up and it's not my responsibility. This company is a scam and doesn't care about consumer rights. I am not obligated to pay this account as it's not mine. I will take legal action if this account does not stop reporting against my social security and is removed immediately from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I want to report multiple violations that Kimball Tirey & St. John is committing to the Free Credit Reporting Act and to my rights as a consumer. Just to mention two serious violations, see below : 1. Incorrect opening date 2. Incorrect last activity date I am demanding this company to remove the item from my report. I am having psychological issues because of this situation. Please send the attached documents to Kimball Tirey & St. John. 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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:
I have reached out to you all about several items on my credit that is not mine. I have also sent in a copy of my police reporting and documents and these accounts are still on there. Im reaching out one more time before I seeking other options XXXX XXXX. XXXX XXXX XXXX. XXXX. I have contacted the FTC and my local police.

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 2020-02-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$3700.00}, {$0.00}, {$8800.00}, {$5400.00}, {$1000.00}, {$410.00}, {$9200.00}, {$2100.00}, {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 


-- XXXX ACCOUNT -- 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -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 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Hello, I am still showing an account on my credit report from XXXX XXXX XXXX that is now owned by XXXX XXXX XXXX. This account is more than 10 years old. Furthermore, this account was found to be invalid. The original creditor was Comenity Bank.

Company response to consumer: Closed with explanation