vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: LA

Complaint narrative:
I have received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. These attorneys are not licensed by the Louisiana state bar. The letter states that I should pay them {$5600.00} for a XXXX XXXX   account. Rausch Sturm said their client is XXXX XXXX and all payments should be given to rausch sturm. 

The account in question ending in XXXX was already disputed to XXXX. A dispute has been sent to Rausch sturm also. The dispute points are. 

The account was closed in XX/XX/XXXX due to non payment. This account is outside Louisiana statute of limitations for them to harass me to suit. 

XXXX and Rausch sturm both state that I owe a balance of {$5600.00}. I have a statement from XXXX and on my credit report stating the outstanding balance is {$5700.00} Also I have a letter dated XX/XX/XXXX stating this account was a loan. It is showing on XXXX  and rausch sturm that it is a credit card. 

Due to these many issues XXXX  and rausch sturm need to cease collecting efforts as well as delete the trade line for collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: TX

Complaint narrative:
When I received my credit report from Experian at the end of XX/XX/2018 I noticed accounts that were not mine, reported incorrectly, addresses that were not mine and inquires I never requested. I wrote a letter had it notarized and sent it to Experian via certified mail on XX/XX/2018. On their response dated XX/XX/2018 they claimed that everything had been verified but as I started reading the second page I noticed that they are mixing my credit information with someone called XXXX XXXX XXXX. They even included his wife in my credit response! In the results of their investigations, Experian stated in writing that they verified that these items are being reported correctly. How was this verified? Who verified these accounts? What documentation was provided to them? They have FAILED to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian is breaking the law and have made a mess of my life by having false, unverified information on my credit report which is causing me severe problems in obtaining credit with a lower APR, higher insurance premiums, possibly loosing job opportunities by not being able to obtain a security clearance

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 2018-08-05 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: OH

Complaint narrative:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.

To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.

It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as XXXX XXXX XXXX. I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( DOLA ) with XXXX XXXX XXXX or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-05 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: OH

Complaint narrative:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.

To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.

It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as XXXX XXXX XXXX. I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( DOLA ) with XXXX XXXX XXXX or 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 2018-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had deposited a certified check from XXXX to my account at Bank of America on  XX/XX/29 at the ATM. The deposit slip stated that I will have all funds available for use on the XXXX of XXXX by XXXX XXXX. which was 2 days from when I deposited the check. However, two days later I was told in an email and telephone rep at BOFA that the deposit was on hold for an additional 8 days which now makes it available on XX/XX/XXXX. I have spoken to supervisors and managers over the phone attempting to get the reason for the hold based on the federal law and the Bank of America disclosure a cashier 's check should have been available to me within 3 business days at the most. I did also verify that XXXX had already cleared and paid the {$5000.00} check on next business day after I deposited. Also I've went in to a BOFA branch and spoke with the manager there and after doing some research all I was given was that the hold is " confidential reason '' and she's unable to view beyond this point however, the manager did agree that cashier 's check should not be on hold for this long. She claimed that she was not able to remove the hold or do anything with this transaction and advised that she will get back to me on Monday XXXX after she does a little bit more research on this hold. I have bills to pay I have been over drawn from other accounts I have at different institutions which is all due to this hold which I think is unnecessary. I also have a sick dog that needs XXXX and other Medical needs that I was needing this check for. I have begged and explain everything to Bank of America however they are not willing to help me and neither are they giving me a specific reason for this hold. Based on the federal law regulation CC and Bank of America 's disclosure there is no reason for them to hold this CASHIER 'S check. Please help me. This is beyond depressing for me at this point. I appreciate your time and effort thank you

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 2018-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I have received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. These attorneys are not licensed by the Louisiana state bar. The letter states that I should pay them {$5600.00} for a XXXX XXXX account. XXXX XXXX said their client is Portfolio recovery and all payments should be given to XXXX XXXX. 

The account in question ending in XXXX was already disputed to portfolio. A dispute has been sent to XXXX XXXX also. The dispute points are. 

The account was closed in XX/XX/XXXX due to non payment. This account is outside Louisiana statute of limitations for them to harass me to suit. 

Portfolio and XXXX XXXX both state that I owe a balance of {$5600.00}. I have a statement from XXXX and on my credit report stating the outstanding balance is {$5700.00} Also I have a letter dated XX/XX/XXXX stating this account was a loan. It is showing on portfolio and XXXX XXXX that it is a credit card. 

Due to these many issues portfolio and XXXX XXXX need to cease collecting efforts as well as delete the trade line for collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Citi card sold a debt to XXXX XXXX Around XX/XX/XXXX. The letter that I received from citi stated that The loan ending in XXXX was sold for a balance of {$5600.00}. 

First XXXX  and my credit reports are showing that this is not a loan but a credit card. But Citi letter states it was a loan. This Account was closed on XX/XX/XXXX. This is way past the statute of limitations in Louisiana. Also the letter and XXXX  show the balance is {$5600.00}. However the credit reports and the last statement from citi credit card show the balance is {$5700.00}

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 2018-08-05 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: MS

Complaint narrative:
Incorrect information on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: MI

Complaint narrative:
After trying to resolve this issue numerous times with Equifax. I submitted a CFPB complaint # XXXX. In response to the complaint Equifax stated that the disputed account is not listed on my credit report. That is a lie. I have a attached the copy of dispute results that equifax sent me showing the account listed and saying they " verified '' it. I am not sure how this is possible since I provided them with my forbearance letter from XXXX as well as a credit reference letter from XXXX XXXX stating my account has been 0 days delinquent. Equifax has failed to properly investigate at a consumer request, has not corrected inaccurate information despite being provided proof of the inaccuracy, and they made false claims in an official CFPB complaint. I have again attached my forbearance letter, credit reference letter, and my equifax report providing proof of the inaccurate account. All of these things are violation of the FCRA by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: MS

Complaint narrative:
Incorrect information on my credit

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 2018-08-05 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 have disputed XXXX XXXX XXXX  with Experian and they have simply stated it is accurate without conducting a proper investigation under FCRA requirements. There is a 4 year statue of limitations in Florida and a 7 year from first date of delinquency reporting max per FCRA. This credit bureau ( Experian ) is allowing inaccurate, incomplete and erroneous information to show on my credit report. The XX/XX/2018 credit disputed for Experian show the payment history is incorrect. If you look at the payment history, you can see it is impossible for payment to be like that. They say the account is charged of but still have a balanced. I dispute the date account open and the payment history. They refuse to delete a charge off from a company. I've disputed this account many times and they refuse to delete this account that is just parked there without reporting or sending me any original signed contract that Ive signed. to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2018, I paid the annual fee for my Capital One Venture card ( {$59.00}, automatic from checking account ). I cancelled the card shortly after without ever using the card further, and while I was on the call for cancellation I confirmed that the annual fee would be refunded. In XX/XX/XXXX I got a bill that noted that my balance was {$0.00} as expected but no mention of the refund. I called again this month, XX/XX/XXXX and was first told that it had been refunded, and then when I told them I wasn't I spent almost half an hour ( 29 minutes per cell phone clock ) on hold, after which I was told that someone would call me back sometime next week. I've been told that before by Capital One and experience says they won't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a XXXX credit card and used it for a purchase on XX/XX/18 of {$21.00}. I do not remember getting a bill or misplaced it with other mail. I received a bill on XX/XX/18 for my {$21.00} charge with a fee of more than the charge of {$22.00}. Now, my {$21.00} bill is {$44.00}. I called the bank who issued my card Synchrony Bank, at XXXX, on XX/XX/18 and spoke to XXXX, badge number XXXX and he waived the charge bringing my balance down to {$21.00}. 

I called again today wanting to know the rate of interest, was told it was 16.65 %. I asked why the charge for fees were {$22.00} and she said about the rate when I signed up. 

I told her I would be issuing a complaint about excessive charges. She said she would do a complaint on her end too. I still, at 16.65 % can not see why the fee charge of $ XXXXwas on my bill. That charge is way over the 16.55 % fee. 

I am not doing this for me, but people who can not afford to get fees like this and would appreciate it if your agency can check into Synchrony Bank and fees charged. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida 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 2018-08-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
BOA 's customer service is the worst. I can't even report a lost credit card. There's no email, chat, or other messaging option. I've been on hold for 23 minutes waiting for an associate. And this is consistent with other BOA experiences, which without fail involve having to call and waiting on hold for inordinate amounts of time.

BOA 's indifference to its customers ' time is inexcusable. It also encourages fraud, since account holders can't quickly or easily report instances of lost of stolen cards.

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 2018-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
To whom it may concern, I have been in dispute with American Express Serve for the last 8 months over a charge that they keep placing it in my dispute, I did not put that on the original form, " XXXX XXXX XXXX XXXX XXXX for {$10.00}. '' By them doing this they keep denying my dispute claim for the money that I lost over the XXXX season in XX/XX/2017. I sent this dispute to you before and due to my own negligence I did not notice the discrepancy in the total amount for the dispute charge. After going over my records again and going over my original dispute charge and looking at past emails I found where the issue had laid. The total amount was {$1800.00}, that I lost on XX/XX/XXXX. American Express says that it was {$1800.00}. That is incorrect because they keep adding {$10.00} from the XXXX charge, where I lost the card. I didn't understand the miscommunication that I was having with American Express, especially since I also put in a police report stating that my last transaction that I made was at XXXX XXXX XXXX. I also sent them a copy of the police report to help clarify the situation. Again they denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: OH

Complaint narrative:
I was going over my report I found some account and addresses on my file that do not belong to me. I am in the process of filing a police report. I have never lived in XXXX OHIO. The following addresses need to be removed from my credit report. Someone has been applying for account for credit/business in my name. 
My name is XXXX XXXX XXXX My current and only address is :XXXX XXXX XXXX XXXX, OH XXXX My phone number is XXXX please DELETE/REMOVE the following addresses they are not mines : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The inquires are not mines please delete/remove XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 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 non-monetary relief