vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-10 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: LA

Complaint narrative:
I have been the victim of troubling and on going ID THEFT. I have had a fraud account that was removed from my credit report and   XXXX   has in the past removed it and now they are re-reporting it. I have sent in police reports as well as other supporting documents.   XXXX   XXXX   WITH A BALANCE OF  XXXX  THIS IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED. I HAVE SPOKEN WITH   XXXX    AND WAS TOLD IT WAS   XXXX   RESPONIABLY TO REMOVE THIS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: LA

Complaint narrative:
I have been the victim of troubling and on going ID THEFT. I have had a fraud account that was removed from my credit report and Experian has in the past removed it and now they are re-reporting it. I have sent in police reports as well as other supporting documents.   XXXX   XXXX   WITH A BALANCE OF  XXXX  THIS IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED. I HAVE SPOKEN WITH  XXXX  AND WAS TOLD IT WAS EXPERIANS RESPONIABLY TO REMOVE THIS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Failure to alert me of suspicious activity and failure to provide consumer protection against online fraud.   CC Company : Barclaycard,  XXXX , DE Merchant : Tickets  XXXX    XXXX   XXXX   Date  XXXX / XXXX / 2017  Amount : {$810.00} My credit card information was stolen online to purchase  XXXX  same day basketball game tickets. I filed a dispute after speaking to the merchant. Credit card company " investigated '' and found in favor of the merchant. Reason being the merchant said they sent the tickets electronically to a n e mail address with my name on it, therefore that meant I must be made the purchase. But that was NOT my e mail address. The theft who stole my information created an e mail address with my name in it so he could have the merchandise sent to him electronically. That is how online fraud operates!! Anyone could create e mail account using any name they choose!!     Barclaycard told me they have now completed the investigation ; it is now up to me to negotiate with merchant. The merchant tells me to work it out with Barclaycard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: CA

Complaint narrative:
This is about Veterans United home loans.     These guys are shady, this is the  only avenue in which i can voice my complaint as they delete all negative reviews and  complaints about them from their website.     I am a  XXXX   year old  old  XXXX  veteran, i am   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , I am attempting to get a VA  home loan s o i can break the cycle of homelessness i deal with periodically due to the fact my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .     I qualify, i passed all pre qualification requirements, however they require you to list a next of kin on your application, not as a co-signer or anything, they just want a next of kin.     Well, seeing as how i am   XXXX   XXXX    XXXX  due to  XXXX  alone, I am unable to contact people that first have no business knowing that i am getting a home loan, and second i have n't spoken to in years due to my illness.      If Veterans United were really there for the veterans as all their advertisement states, then they would  understand that some of us deal with issues that we can not simply get over because you want us too, in addition they try to make you as the client to believe that the VA loan itself requires this information, and they can do nothing about the mean ol ' VA 's rules.     Well this is an outright falsification, they require it, and are downright rude and disrespectful when dealing with veterans, i was told if i can not simply get over my illness and require the information the VA states i must have, then i am just wasting their time.     I have no other recourse to make this complaint, they company will not allow you to complain, and simply delete any inquiry on their forums that they think may turn into a complaint, so i just want to get the word out is all, The  XXXX  Veterans in the world are treated like  XXXX  enough as it is, we do n't need to be the target of a company that uses unfair business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: Credit Plus Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX This company checked my credit on XXXX XXXX 2016, when I had not filed for credit or changed any credit. This lowered my score.
It is like talking to the wall when you call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VALLEY CREDIT SERVICES, INC. (WI)
State: MD

Complaint narrative:
I received a notice that an item was placed on my credit report by Valley Credit Services.
I am working with the hospital to solve this complaint and I do not give Valley Credit Services permission to access my medical records as this is a violation HIPAA Laws.
I am also filing a complaint against   XXXX   XXXX   and Valley Credit Services. My insurance should have paid everything.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-10 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Used Citibank credit card to rent a car  XXXX / XXXX / XXXX . I was over-charged. I have the receipt to prove it.     I dispute the over-charge  with Citibank. Citibank c losed the dispute on  XXXX / XXXX / XXXX  stating this : " We have attempted to resolve this dispute with the merchant and/or their bank but have not been successful. The merchant refuses to issue credit to your account. They maintain this charge is for a portion of your rental.   We have no further recourse to obtain credit for you. You will need to seek other means to resolve this matter. We have now closed our investigation of this dispute. '' I feel that  Citibank should believe the consumer first. I showed the actual physical receipt showing the proper amount that should be charged. Citibank ap pears to side with companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
in  XXXX  or  XXXX  I went to   XXXX   XXXX   for a  XXXX  friday cell phone sale. I purchased a phone in   XXXX   XXXX   (  XXXX  account ) I was told there was a 14 day return policy which has always been the case for cellphone users. Within the  XXXX  I attempted to use the phone but the service was so horrible most of the time I could n't. Within the 14 days i returned the phone to   XXXX   XXXX   and the representative stated to account was clear. Later i get a collection noticed saying i owe  XXXX  dollars for something i no longer own and returned to the store. I Spoke with the collection agency and  XXXX  directly and explained I returned the merchandise and was told i did n't owe anything. I also returned to   XXXX   XXXX   picked up a copy of the return receipt, forwarded it to both companies and was still told I owe the debt some an item that barely worked and returned. The collection company is called  XXXX   XXXX   XXXX . Date opened is  XXXX   XXXX ,  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: PA

Complaint narrative:
I have been disputing a  XXXX   XXXX  account on my credit report since   XXXX   XXXX  . I have asked for verification from  XXXX   XXXX  of this negative account that they have reported to credit bureaus,  XXXX , Transunion, and  XXXX . I sent out a letter on   XXXX   XXXX   XXXX  .  XXXX   XXXX  signed for the letter on   XXXX   XXXX   XXXX  . I gave the company 30 days to respond with more information on this account. I did not receive a letter until   XXXX   XXXX   XXXX  . The company is not only reporting inaccurate data but has also broken the FDCPA. I have all documents and dates of the communication between  XXXX   XXXX  and myself. The company has continued to break the law. I have tried communicating with them and they refuse to talk with me. I have sent multiple letters asking for validation on the account. The company is also refusing to send a letter stating that if i do pay this debt they can not guarantee that it will reflect as paid on my credit report. When i asked to speak with a supervisor for this matter, i was told they did not have any on staff.  XXXX   XXXX  has also sent the account to a collection company and when you ask who has ownership of the account, they both point fingers. The company holding the account says they do not report to the credit reporting agencies and when you ask  XXXX  to send a letter asking to update to the credit bureaus once paid, they state that they can not do that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I fell behind on my payments t o Capital one and  my card became restricted. On  XXXX   XXXX  I contacted their online customer service and entered an agreement with them that if I mad e 3 payments on time, and got the balance below my credit limit my card would become unrestricted. I met my obligations with 3 on t ime payment in  XXXX ,  XXXX , and  XXXX  and I actually paid my balance down by half.     Unfortunately, my card is still restricted. I contacted  Capital One to  ask them who and they are now claiming that our agreement did n't begin until  XXXX   XXXX  so I have to make  one m ore payment. When I informed them that was not the agreement and asked for a copy of the transcriptions from  XXXX , they stated they are n't able to access those. To which I asked .. '' So you can enter agreements with customers but not keep a copy of the agreement? ''. When speaking to multiple managers about the situation, they all say they have no control over the account becoming unrestricted that it is purely a " computer thing ''. I asked again there is not a single person in your company who can override and incorrect date, and again the answer was no.     So here I am having met and exceeded my end of the contract an d Capital One  has not upheld their end stating that the agreement was n't valid until  XXXX . I am frustrated that there is no accountablity for them not following through on their actions and the fact that all the supervisors say there is absolutely NO way to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I tried to deposit a personal check using  the Amegy mobile p hone app. I never got credit for the deposit. When I called to question an insufficient fund fee charged and asked why I did not get credit for the deposit made, I was told that the deposit was never made. This is the second time this has happened to me where a deposit made using the app is not credited and charged an insufficient fund fee. ( The first time was back in  XXXX    XXXX  . ) Each time I am tol d by Amegy  customer service that it was never made. On  XXXX   XXXX ,   XXXX   I called a branch to try to resolve this issue. I emailed the branch rep a copy the error message given stating the check had already been deposited . ( See attachment. ) It turned out that the check was not accepted because I am the account holder of both accounts and it would be easy for me to float money. Really? When did Amegy become the Float Police? And, why did someone not inform me? I do this type of deposit to and from both thes e accounts all the time using the phone app from both bank accounts. I have lots of reason for having both accounts but the main reason is because you have to have direct deposit to get the account free of charge. Furthermore, there is no way to be able to float a check if posted the same day as these checks clear overnight.     I have proof of several other deposits that have been accepted using the  Amegy m obile app.

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 2017-05-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
I worked with a Debt Settlement company named  XXXX   XXXX   XXXX ,  XXXX  to pay off my loans with pay day loan lender AmeriCashLoans. Which I was not made aware nor contacted by AmeriCashLoans that they had put in a request for a wage garnishment without my knowledge when I have proof of record that I paid   XXXX   XXXX   in full in the amount of {$2300.00} for this company to settle the debt I had with AmeriCashLoans I called the corporate number that handles the wage garnishment and was treated and spoken to so poorly by a representative named  XXXX  who immediately placed me on hold to find out information regarding the reason my wages were being garnished, She returned back to the phone conversation after  XXXX  minutes to say "  XXXX  '' her supervisor said she spoke someone today about the debt settlement and its not their fault my wages was garnished without my consent or without me proper attempts to contact me that the debt agency has not communicated with them. I have never had any type of garnishment occur and for this to happen without my knowledge is wrong when I took the proper steps to settle my outstanding loan with americashloans I was a long term client of americashloans and never had such poor service, and miscommunication happen with while doing business with them And for the customer service department to think its alright to take funds out of someone pay is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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:
i ask for proof and only sent me a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: FL

Complaint narrative:
I,  XXXX   XXXX   XXXX  being of sound mind and body hereby give full authority to any third party credit repair firm as wells as any information or verbiage to the removal of a falsely reported Bankruptcy as stated in complaint #  XXXX . The verbiage included in the complaint was gathered by me and put into my own words. There is no law or any precedence that claims verbiage used by credit repair companies can not be reused either to the same or in my own words. I have filed a complaint against you with the FL Attorney General and   XXXX    for falsely reporting unverifiable information on my credit report. Please provide all verified evidence including my name, address, full social security number, date and time of verification and with whom you spoke with concerning this verification from the  XXXX   XXXX   XXXX  's office. If you can not provide me with this information, it means that it is being falsely reported an d MUST b e removed as per the F CRA. May I remind you that FCRA Section 623  violation as well as a precedent  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  for the  XXXX   XXXX   XXXX  Case  XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX  , Filed (  XXXX  No.  XXXX  ). We will seek the extent of damages incurred by the wronged party, me, as deemed by the courts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: NJ

Complaint narrative:
The credit collection agency Credit Control LLC representing JH Portfolio has violated the FCRA by not providing documents to me in regards to this debt. Until   XXXX   XXXX   I was unaware of this creditor and upon finding out requested documentation through   XXXX   XXXX   XXXX   dispute. Upon not receiving the information requested, I contacted the  JH  Portfolio directly through the   XXXX   XXXX   XXXX   ( BBB ) complaint ID #  XXXX  on   XXXX   XXXX   XXXX   to remove this debt based on not being given the opportunity to dispute the debt in question.  JH Portfolio res ponded to my complaint on   XXXX   XXXX   XXXX   that they sent a letter to a previous address through Credit Control LLC since they are a passive debt collector and collect through external collection agencies. They attached a PDF of a letter supposedly sent on   XXXX   XXXX   XXXX    , however, I was unable to open the PDF.     Since they stated in their response to my complaint that Credit Control LLC is the collection agency responible for my account, I contacted Credit Control LLC on   XXXX   XXXX   XXXX    . I was told that Credit Control LLC is a third party collector for  XXXX   Portfolio therefore they d o not have any documentation. As such, this account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertains to this debt. If Credit Control LLC does not have any documentation other than the PDF JH Portfolio provided to the   XXXX    ( i.e. signature contract agreeing to pay ) they need to retract this from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
X/X/14    had   XXXX   XXXX  . I was  XXXX   XXXX   XXXX . My parents insurance paid part of debt.  Parent  signed for financial responsibility however collection agency put Debt on my credit report. They have not been able to provide prod of financial responsibility signed by me on  X/X/14

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: LA

Complaint narrative:
I have been the victim of on gioing ID THEFT and have fraud items reporting on my credit report, I have enclosed supporting documents supporting this. Please remove the listed fraud items on the documents thank you Please correct my address to  XXXX  LA  XXXX   XXXX   XXXX  LA  XXXX

Company response to consumer: Closed with explanation