vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-14 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: NY

Complaint narrative:
There are inaccurate items reporting on my credit report, most of which are negativley impacting. I contacted these companies over 60 days ago and havent gotten a response nor have i gotten a solution for my issues. I attached the letters for confirmation

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 2020-11-14 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: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received my investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: Profit Services Group
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received my investigation results.

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 2020-11-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
Gyms Closed In XX/XX/2020 and charged me after they closed i could not call gym and told direct express this and filed claim claim number XXXX for credit and I called them and no response when I followed up on claim, was given the run around

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-14 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America reported transactions on my credit card statement which I did not make or authorize. 
I filed fraud claim with Bank of America. 
I also filed fraud claim with police in my city. 
According to Bank of America card was used in the transactions. 
All transactions occurred in the city 50 miles from me. 
Bank of America did 3 investigations and declined fraud claim 3 times.

Neither Bank of America, nor police or merchants reveal any information, never told me that they pulled video. Police never called me back - I made 3 attempts to talk to them, ask them to pull videos, etc.

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 2020-11-14 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: Colony Brands, Inc.
State: WA

Complaint narrative:
Hello, I contacted Through the XX/XX/XXXX, XXXX XXXX, XXXX ( All 3 same company 3 different accounts numbers ) about verifying my signatures and ownership on all 3 accounts. They have been reporting to my credit bureaus negative information. I have tried to dispute with credit reporting agency 's and they keep saying verified. Yet, I see no proof these accounts were mine. Therefore, I directly contacted the companies 45 days ago asking for signatures and proof. I have not received anything back from the company. The date was XX/XX/2020 on the letter and they received it on XXXX XXXX. I will attach a tracking number and delivery conformation. Below is the letter I sent. 
Thank you- XXXX XXXX Through the XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX, XX/XX/XXXX XXXX XX/XX/2020 To Whom It May Concern, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Through theXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. XXXX Thank you for your prompt assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I received a letter dated XXXX from Caine & Weiner ( C & W ), a debt collection agency, claiming that I owed a debt to XXXX account # XXXX, in the amount of {$270.00}. The C & W account # is XXXX. On XXXX, I faxed C & W a Debt Validation Letter to the fax # listed for C & W 's fax # on its letter dated XXXX. I have not received any information from C & W regarding this debt. 

I received another letter dated XXXX from Caine & Weiner ( C & W ), claiming that I owed another debt to XXXX with a different account # than the letter dated XXXX. This different account # is XXXX, in the amount of {$270.00}. The C & W account # was also different than the first account #, C & W # XXXX. On XXXX, I faxed C & W a Debt Validation Letter to the fax # listed for C & W 's fax # on its letter dated XXXX. I have not received any information from C & W regarding this debt either. 

Then I received a third letter from C & W dated XXXX, stating " This account remains unpaid in our system. We would like to work with you to resolve this account as soon as possible. '' The account # for XXXX  is # XXXX, C & W account # XXXX. These two account # 's are the same as the account # 's that C & W listed in the second letter from the collection agency dated XXXX. 

It is a violation of the collection practices act for a debt collection to fail to respond to your verification letter. Not only did C & W fail to respond to both of my verification letters, the agency continued in the debt collection process by contacting me regarding the alleged debt without providing the requested information regarding the alleged debt. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After reviewing my XXXX  & XXXX  Credit report I have discovered a couple of Inquiries that I do not recognize nor did I authorize. Please remove the following inquiries : XXXX/XXXX  ( Reporting on XXXX  ) Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX And BANK OF AMERICA ( Reporting on XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Thank you, 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 2020-11-14 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: Sunset Management, Inc
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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'm a victim of identity Theft i did not give any XXXX to anyone to open these accounts

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 2020-11-14 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: Carter-Young, Inc.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I signed up for the COVID relief plan with Bank Of America and received a total of 6 new late payments being reported to my credit from XXXX. The program was to avoid this. I have sent several emails, left my contact information, and even a previous complaint with CFB. The company responded that it will look into my case but no one returned my calls. Their executive office number they gave me thru this message complaint never returned any phone calls.

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 2020-11-14 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I was billed by both parties. Ally bank sent bill {$1500.00} deductible of totaled car from riots in XXXX XXXX. XXXX XXXX  already charged me the {$1500.00} and Then XXXX paid Alley more money which made the {$1500.00} to {$1000.00} .and then another {$230.00}. I have documents to back it up as well as letters from the Department of Insurance of seeing XXXX wrong doing. But I continued to pay for car even when is was totaled XX/XX/XXXX. XXXX sent Ally a check for car that was wrong amount because XXXX didnt compare like cars during assessment. I have proof. Then ally reported me to collections immediately for no reason. I dont owe Ally for my deductible since it was paid to XXXX. The car was vandalized. And took XXXX 4 months to take care of. Not my fault XXXX and Ally have horrible communication skills and Ally didnt investigate the {$6000.00} difference in. Comparing the same cars. ( how XXXX estimates the value of totaled vehicle ). And Ally has no right to report me without sending proper bill within 30 days.

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 2020-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
my babys mother open some cards with the babies social security number & I want it stopped. I don't know how many or to what extent, id like to find out & freeze their credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: LA

Complaint narrative:
On XX/XX/XXXX Us Bank recieved my id verification and selfie i gave them 7 dsts to verify n unlock. Called back XX/XX/XXXX talk to supervisor and she said give them 24hrs to contact me they didnt call i called them now they saying its go take another 7-14 business days i will be homeless i nees my funds help please

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 2020-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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'm a victim of identity Theft i did not give any Consent to anyone to open these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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'm a victim of identity Theft i did not give any Consent to anyone to open these accounts

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 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There's to many to list ongoing reposts of 2 late payments, that companies never reported as late balance take over 30 days to correct after balance are XXXX with Equifax, and XXXX  only numerous calls and letters to correct, they will correct XXXX but not all credit history in years incorrect balances incorrect on 5 or more accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: VA

Complaint narrative:
I signed up for the COVID relief plan with XXXX  XXXX XXXX and received a total of 6 new late payments being reported to my credit from XXXX. The program was to avoid this. I have sent several emails, left my contact information, and even a previous complaint with CFB. The company responded that it will look into my case but no one returned my calls. Their executive office number they gave me thru this message complaint never returned any phone calls.

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 2020-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SRA Associates, Inc.
State: TX

Complaint narrative:
I settled a debt after being forced into a chargeoff because the company would not work with me when my financial situation became compromised. I paid the agreed upon payments on time and XXXX XXXX  will not change my credit information to settled and is still reporting as a balance owed and negatively reporting charge off on my report monthly after the settlement was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There's to many to list ongoing reposts of 2 late payments, that companies never reported as late balance take over 30 days to correct after balance are XXXX with XXXX, and Experian only numerous calls and letters to correct, they will correct 1 but not all credit history in years incorrect balances incorrect on 5 or more accounts

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 2020-11-14 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

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 2020-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C System is continuously reporting a debt to my credit report that isn't owed to them. In my previous complaint, I asked them to cease and desist communication as well as delete this debt from my credit reports as I will handle this matter directly with the original creditor. 

I received a letter from I C System dated XX/XX/2020 stating that they are terminating all collection efforts but they are still reporting this account to my credit reports. 

The letter also states that XXXX XXXX hospital is both the original and current creditor. Well if that's so then why is it being reported on my credit file by I C System and not by XXXX XXXX XXXX in which I do not owe them either.

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 2020-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
I settled a debt after being forced into a chargeoff because the company would not work with me when my financial situation became compromised. I paid the agreed upon payments on time and Arvest bank will not change my credit information to settled and is still reporting as a balance owed and negatively reporting charge off on my report monthly after the settlement was completed.

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 2020-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP
State: OH

Complaint narrative:
I have been involved in an online scam, I paid a total of {$1100.00} to purchase a puppy through a website selling XXXX. I have contacted the person/company to no avail. I contacted my bank to inform them of the fraud/scam in hopes to stop & retrieve my money back. Since I used XXXX, I was told that it was too late since it was already processed & to file a small claim. The problem is I am in one state & the purchase was made in another state. I researched the address & company further & it seems to be non-existent other than the website.

Company response to consumer: Closed with explanation