vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have placed a credit freeze on all of my credit bureaus. 

I am currently looking at my Experian account, and it states my account is susceptible to identity theft because it is unlocked. I clearly placed a freeze on my account. The last time it was lifted was when we applied to refinance our mortgage last XXXX. We unlocked it temporarily and Experian should have replaced the freeze on the account. 

It is important that all my credit bureaus remain frozen because I was part of the XXXX XXXX XXXX. Moreover, my employer, XXXX, recently informed me that someone tried to apply for unemployment benefits 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 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

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 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
With these specialists/leasers, this record had no record that consistently had a place with me. I have attempted a few times to reach them to request proof of proprietorship, however, they have not given me the imperative administrative work to show that I really own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Revenue Recovery, LLC
State: TX

Complaint narrative:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Revenue Recovery, LLC
State: TX

Complaint narrative:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: NY

Complaint narrative:
On XX/XX/XXXX, I filed a fraud claim for multiple transactions on my BOA credit card : XXXX {$42.00} XXXX {$180.00} XXXX {$37.00} XXXX {$36.00}. 

I immediately reported these transactions, and my card was subsequently closed. I was told the investigation could take up to 60 calendar days. However, my claim was rebilled to my credit card on XX/XX/2021. I didn't even see a reasonable explanation as to why my claim was denied. ( The representative I initially spoke with misfiled the claims and I had to call in again to add the additional fraud charges. ) I am being held responsible for these fraudulent charges, although my credit card wasn't in my possession during any of these transactions ( which I notably reported to the claim specialist at the time of my claim ). I did not consent, nor am I acquainted with the individual who stole my credit card and used it. BOA didn't do a thorough enough investigation into the matter and closed it without a sound resolution. I bear no responsibility for any of these fraudulent transactions.

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 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, a purchase of {$310.00} was made at XXXX XXXX XXXX  XXXX in XXXX XXXX, FL on my Comenity XXXX XXXX XXXX credit card. Due to COVID-19, customers were not allowed to try on items in-store. Customers were instead informed to purchase items and return items they could not wear within 30 days. On XX/XX/XXXX, I attempted to return the items that did not fit with the original purchase receipt in-store ( items were intact, unused with tags in original condition ). 

Per customer service agent, I was informed that the merchant had filed for bankruptcy 2 days prior, and I could only be provided with a store credit ( in the form of a merchandise credit card ). Although displeased with this outcome, I accepted the card with store credit to the amount of XXXX. When I attempted to use the merchandise credit card on-line for a subsequent purchase in the amount of {$190.00} on XX/XX/XXXX, the pin code did not work. I purchased the items using my XXXX XXXX XXXX store credit card instead. I had previously attempted to use the card online as advised after my initial return on XX/XX/XXXX, and it also had not worked at that time. 

I contacted the merchant to refund my {$200.00} on my Comenity backed, XXXX XXXX XXXX store credit card as the merchandise credit card did not work. A dispute was filed, but I have not received follow-up as to the result of my dispute nor has my money been refunded to my original store card payment method. I still possess the merchandise card which should have the full balance of {$200.00} as I could NOT make purchases with it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
With these authorities/leasers, this account had no record that ever belonged to me. I have tried several times to contact them to ask for evidence of ownership, but they have not given me the requisite paperwork to show that I actually own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I don't believe that I had this account with these collectors/creditors. I tried a few times to get in contact with them and request ownership proof, but they failed to give me the important paperwork to prove that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITIBANK CHECKING ACCOUNT ENDING IN XXXX IN REFERENCE TO CLAIM XXXX CITIBANK HAS ENDED THE BANKING RELATIONSHIP WITH ME, AND REFUSED TO RELEASE THE REMAINING BALANCE ( {$120000.00} ) ON THE 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 2021-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I called to defer payment during the pandemic. Then we were still struggling and I called to set up a {$10.00} per month payment. I thought the payment was to be automatically drawn off our checking account like the first payment I made, and it was not and then I was charged a late payment to my credit report. I called and asked them to take the late payment off my credit report because I did end up paying and they said they would take it off and it is not off. Please remove this ding on my credit report. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
I already demanded proof of how you dealt with the information that you indicated in my credit report. Again, you can not prove any of the information mentioned in the past credit report data that I contested with.

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 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I had my wallet stole before XXXX in Louisiana. I have finally got my bank card back I disputed a charge through XXXX car rental in XXXX Louisiana for letting somebody come in with my sos my driver id and get a rental. I had no idea about this. Now the back is taking the money back out Im out of a XXXX dollars tottal for what sombody els done. Pleas help you can reach me at XXXX Im XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I lost my job and then the pandemic hit. I called to try to negotiate to lower this payment and there was an unwillingness to help. Now my credit score is ruined. I need these late charges off my report so I can move forward. I now have a good job and paying on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I lost my job and then the pandemic hit. I called to try to negotiate to lower this payment and there was an unwillingness to help. Now my credit score is ruined. I need these late charges off my report so I can move forward. I now have a good job and paying on this debt. 

At one point I was threatened with legal action. I understand this was a big debt, but I was willing to work with them. But it was not a friendly exchange.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I lost my job and then the pandemic hit. I called to try to negotiate to lower this payment and there was an unwillingness to help. Now my credit score is ruined. I need these late charges off my report so I can move forward. I now have a good job and paying on this debt. 

At one point I was threatened with legal action. I understand this was a big debt, but I was willing to work with them. But it was not a friendly exchange.

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 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I lost my job and then the pandemic hit. I called to try to negotiate to lower this payment and there was an unwillingness to help. Now my credit score is ruined. I need these late charges off my report so I can move forward. I now have a good job and paying on this debt.

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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
multiple addresses reporting as mine but do not belong to me so some accounts have merged onto my account due to those addresses still on my credit reports I've asked and disputed multiple times with various credit reporting agencies and they never remove or delete addresses not belonging 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 2021-01-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A fraudulent account was opening with XXXX using my social security number, name and birthday resulting in a made in my name as well. The account is with Bank of America, I have informed them of the fraud as well as offer proof of the identity theft at hand. Currently the funds inside of the account are showing as an earned income when my name was looked up for social securitys data base. I would like access to the account that I am responsible for. I would like to know where the XXXX dollars deposited into the account under my name went. I worry that the link to this bank account can affect me later in life and would like to know where the money that is said to be from me and tied to my social went. I want the address used to open the account to file charges with the XXXX XXXX police department. Bank of America will not give me access to the account which is hindering my abilities to seek justice against the criminal who stole my identity. After numerous agents at Bank of America confirmed my identity with the XXXX department I was told they will bypass the authorizations and get me in the account, I was hung up on. Again I called back and I spent hours on the phone explained my situation again and again and was denied the information pertaining to the account Im legally responsible for. I was told they have recordings of the calls, I was hung up on and taunted by the representative and supervisor XXXX of whom I believe was names XXXX. Here in California we have rights for victims like me and XXXX of those is to provide documentation pertaining to the fraudulent activities that were committed in my name. I would like my calls listened to by someone higher up in corporate. I would like the ones who mocked me to be held accountable for the customer service they provide.

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 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I previously requested evidence of how you managed the data that you demonstrated in my credit report. Once more, you can't demonstrate any of the data referenced in the past credit report information that I challenged with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I don't really accept that I had this record with these authorities/leasers. I attempted a couple of times to get in contact with them and solicitation proprietorship verification, however, they neglected to give me the significant desk work to demonstrate that I really own this record.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
multiple addresses reporting as mine but do not belong to me so some accounts have merged onto my account due to those addresses still on my credit reports I've asked and disputed multiple times with various credit reporting agencies and they never remove or delete addresses not belonging to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
This doesn't belong to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
This doesn't have a place with me with these specialists/leasers. I attempted to reach them a few times and request evidence of proprietorship yet they neglected to send me the fundamental documentation to demonstrate that I actually own this record.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
The data that you showed in my credit report I previously requested proof of how you managed this. Once more, you can't demonstrate any of the data referenced in the past credit report information that I challenged with.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I don't have a record of this record that always had a place with me. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i inquired how trans union was able to to add a chapter XXXX bankruptcy on my credit report and i was informed that information was received from public records however bankruptcy court informed that this information is not shared with credit reporting agencies, i immediately requested that chapter XXXX bankruptcy, case XXXX, be deleted from my report which has yet to be done. I received correspondence from trans union informing the information I already sent to them from the bankruptcy court be sent when i already sent this information. I am requesting that the chapter XXXX bankruptcy be deleted immediately by transunion

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 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
You can't demonstrate any of the data referenced in the past credit report information that I challenged with. The data that you showed in my credit report I previously requested proof of how you managed this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation