vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MECHANICS BANK
State: CA

Complaint narrative:
I am not happy with Mechanics Bank. I tried to use my debit card at XXXX gas station in XXXX, CA on XX/XX/XXXX. It kept saying declined. I finally got authorization, only for there to be a permanent hold placed on my card. I went to two other locations to fill up my other car. There was still a hold. I spoke to customer service on XX/XX/XXXX. They were very rude. Talked over me and wouldn't let me get a word in. I also was told the fraud department called and text me. I show no record of their attempt to call or text. I asked to speak to a supervisor. The supervisor XXXX has not made any attempt to call me back to give an answer on why I was never contacted. That is why I am writing on here. If I have to, I will just give my business to my other bank and shut Mechanics out. You can't give an answer on your poor service but you can hurry up and respond when you want to charge XXXX for overdraft and charge service fees. I was told I would get a call back in 30 minutes from a XXXX. Thirty minutes has turned into 1 hour.  Bottom line is they don't want to deal with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
this Company is reporting a high lease payment that is inaccurrate. the balance is wrong. it shows 4 charge offs.FCRA states a charge off can not report to a credit bureau if its closed. it is also reporting late payments. the payment history is incorrect. the credit limit is not right. this account has been disputed many times. creditor always says it is verified or accurrate. they never provide proof of any contracts or signatures. I hope you all can help me resolve this matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Sears Citibank credit card charging on my credit card that I have had since XXXX XXXX %. My Citibank XXXX  is charging 7.24 %. I have emailed Citibank Sears and advice I have been a customer for 34 years, any my XXXX score is XXXX. Citibank Sears responds back on XX/XX/XXXX, we are unable to lower the APR because you already have the lowest interest rate available for this account at this time. 

I want my APR lowered to match Citibank XXXX and other credit 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 2020-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
Collections company by the name of MEDICAL COMMERCIAL A is reporting incorrect information to XXXX, XXXX and XXXX  I do not have any account nor contract with this said collection agency MEDICAL COMMERCIAL A, nor do I have any account with the original creditor XXXX XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Good afternoon, I was contacted about a XXXX  XXXX account opened in my name, and reported it as fraud. Midland credit management sent me documentation that states the account statement is from XX/XX/2018 to XX/XX/2018. I wad living in XXXX at the time and working as an XXXX XXXX   until XX/XX/XXXX when I returned to the United States. I Would have been unable to fill out an application and receive a credit card in another country, as I had been living in XXXX since XX/XX/2018. I have documentation and a work visa to prove this. Midland credit is stating they will not investigate my claim further without a fraud affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: CA

Complaint narrative:
Since I have not attended college since 1995 both XXXX Equifax XXXX and XXXX  are all violating the fcra by attempting to collect a debt unenforceable and out of range by 14 years. I received a scam call in order to consolidate all my student loans which unfortunately more than 24 years ago at compounded and since I had interest in going back to school I thought it worthy to take a look at how XXXX XXXX contacted me they assured me that they would then consolidate all of my alone so I could go to school and that was not the case. One of them to this day still refuses to consolidate with XXXX and I am hornswoggled and beaten by the credit reporting agencies and a very very very powerful Bank who doesn't seem to get the message from the last lawsuit you filed against them. XXXX has swindled me it is fraud and therefore should not be reported to any of my credit bureaus on several reasons to recap. One that is more than 24 years since this loan according to their own dates was supposedly taken. to that the exact nature of XXXX approaching me for the consolidation was absolutely fraudulent from beginning to end and it looks as if they're doing it the thousands of people. Whatever the case the three credit reporting agencies should not report that information until the matter is resolved. There is no if ands or buts that's why it's called the law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is a last resort to get the issues with my credit finally resolved. It has been well over 60 days with absolutely no response from the credit bureau which is showing complete disregard for the laws governed under the FCRA. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized HARD Inquiries from Experian XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2020-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express serve locked my account. Get a email that says to call the number on the back called multiple times at different points in the day ( 24/7 number ) it either hangs up right away, or wait on hold for 3 hours then hangs up. XXXX I found the American Express credit card number they answered instantly, and could not help with the serve account and reassured there is people working taking calls for serve but he can not help. XXXX XXXX XXXX XXXX. 

XXXX team has been useless and non helpful as well. With multiple likes and comments saying the same issues have been occurring with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19 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: CA

Complaint narrative:
Since I have not attended college since 1995 both navient XXXX   TransUnion and XXXX  are all violating the fcra by attempting to collect a debt unenforceable and out of range by 14 years. I received a scam call in order to consolidate all my student loans which unfortunately more than 24 years ago at compounded and since I had interest in going back to school I thought it worthy to take a look at how XXXX XXXX contacted me they assured me that they would then consolidate all of my alone so I could go to school and that was not the case. One of them to this day still refuses to consolidate with XXXX  and I am hornswoggled and beaten by the credit reporting agencies and a very very very powerful Bank who doesn't seem to get the message from the last lawsuit you filed against them. XXXX has swindled me it is fraud and therefore should not be reported to any of my credit bureaus on several reasons to recap. One that is more than 24 years since this loan according to their own dates was supposedly taken. to that the exact nature of XXXX approaching me for the consolidation was absolutely fraudulent from beginning to end and it looks as if they're doing it the thousands of people. Whatever the case the three credit reporting agencies should not report that information until the matter is resolved. There is no if ands or buts that's why it's called the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: CA

Complaint narrative:
Since I have not attended college since 1995 both XXXX  XXXX   XXXX  and Experian are all violating the fcra by attempting to collect a debt unenforceable and out of range by 14 years. I received a scam call in order to consolidate all my student loans which unfortunately more than 24 years ago at compounded and since I had interest in going back to school I thought it worthy to take a look at how everwood XXXX contacted me they assured me that they would then consolidate all of my alone so I could go to school and that was not the case. One of them to this day still refuses to consolidate with XXXX  and I am hornswoggled and beaten by the credit reporting agencies and a very very very powerful Bank who doesn't seem to get the message from the last lawsuit you filed against them. XXXX has swindled me it is fraud and therefore should not be reported to any of my credit bureaus on several reasons to recap. One that is more than 24 years since this loan according to their own dates was supposedly taken. to that the exact nature of XXXX approaching me for the consolidation was absolutely fraudulent from beginning to end and it looks as if they're doing it the thousands of people. Whatever the case the three credit reporting agencies should not report that information until the matter is resolved. There is no if ands or buts that's why it's called the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Business Credit has unauthorized credit inquiries on my personal report on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have asked experian to remove them and they will not. I do not have a relationship with Experian Business Credit.  Sent ceritified mail XX/XX/XXXX. Replied with file # XXXX on XX/XX/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 2020-04-19 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My credit scored went down because a inquiry from 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 2020-04-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This Complaint is directed towards Equifax, XXXX  and XXXX. On numerous occasions I have sent disputes letters regarding a fraudulent Bankruptcy on my credit report on XX/XX/XXXX. The Bankruptcy reports being dismissed on my report, I explained it must have been an error. I sent a document from the court that they did not give them any information on a Bankruptcy case. On XX/XX/XXXX Equifax removed a Bankruptcy off of my credit report and added the same day. I have enclosed screen shots from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: Grant Mercantile Agency
State: CA

Complaint narrative:
On XX/XX/2018, my wife had undergone a medical procedure. The amount to be owed was sent to us by the hospital where this procedure was performed and the amount was paid in full. Now the XXXX Company that performed the procedure in the hospital is billing us separately for an original balance of XXXX US-dollars however, we have never received the bill for this that is why we were never aware of the charge pending and had thought that we had already paid everything when we paid the Hospital where the procedure was performed. Due to this, the XXXX company had forwarded our account to the collection agency on XX/XX/2018. I had tried to reach out with the original company/Lender regarding this matter and they had told me that the billing company that handled this matter no longer works for them, Leaving me with no option but to directly engaged with the collection agency. I called the collection agency and had explained that we had never received the bill that is why we never knew we had to pay anything. According to them, the previous billing department had attempted to call and mail a bill to us numerous times but failed. My argument to them was that on XX/XX/2018, we had moved to a new address and we would not be able to get any mail regarding the matter. As per the calls, I do not recall getting any phone calls regarding the bill. The reason we found out about this was when we are trying to run our credit and it shows as a negative report in our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I called and emailed pro collect to try and settle debt although I don't agree with the amount.up on on XX/XX/XXXX and XX/XX/XXXX no amount was accept i offered to pay 200 dollars to start a payment plan i was told i needed more and that nothing would be accepted unless i had that amount, explained my circumstances and it was ignored and i was rudely hung up on. However on XX/XX/XXXX i called procollect trying to settle debt again and was told my account was restricted and no information could be provided to me and that i need to email Mr.XXXX, so i did and on Thursday XX/XX/XXXX @ XXXX XXXX Mr.XXXX called me and i asked if i could start a payment plan to try and resolve the debt and explained my situation and Mr. XXXX refused to settle or provide payment options. I aslo reached out again on XX/XX/XXXX trying again with the same end result. so I would like the option to settle if I could pay in full I would have. I want to settle this account and be done with it. I have no contracts that bind me to ProCollect , Inc and they have not furnished any documents that says I have to pay them but I dont want to prolong this any longer.

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 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to file a complaint against Transunion, XXXX  and XXXX Credit reporting agencies, I have been communicating with them via fax, mail, phone call for the past months ( since XX/XX/2019 ) to have my credit report corrected and delete what was not supposed to be my account since I was a victim of identity theft. I submitted to them a copy of the police report and all the attachments, XXXX  has not deleted the information that needs to be corrected inspite of my repeated request of investigations and update of my credit report. I am an XXXX  XXXX or XXXX XXXX and I have been having difficulty getting a business loan or any personal loans especially with this COVID 19 pandemic which I need to get a business loan and can't get any approval from anyone because XXXX  is not giving me the right information on my credit profile. Transunion is saying that I currently have no positive score or credit established to give me a score. I am XXXX fico score with Transunion. XXXX  at one time last year reported me as DECEASED and after I called and send them letter for months is the only time they corrected it. Some creditors have told me that they already sent a deletion of the negative information due to identity theft but Transunion and XXXX  is not doing what they are suppose to be doing. I have established 4 years of car loan with XXXX, I have XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX  which I have almost 2 years now with a good payment history and yet Transunion is saying I don't have a positive credit history. Please help me with this problem as I have been dealing with them for a year and one time used a credit repair agency to help me I have paid almost XXXX to help me but the credit reporting agencies have not done anything to resolve the problem. Aside from these 3 credit bureaus, the creditors that I want to file a complain is XXXX XXXX, XXXX XXXX, and the XXXX XXXX XXXX. Thank you so much for your attention regarding this request. I am hoping to hear from you and your assistance with this matter is highly appreciated. Be blessed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19 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: AZ

Complaint narrative:
Sent a certified letter to your company regarding inaccurate reporting from your credit bureau. Your company received my certified letter on XX/XX/2020. My report still contains unauthorized information. Please refer to my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing about multiple issues, the first began in XXXX of XXXX, when I submitted the XXXX company to Experian Boost,  so I would be able to get a boost with my credit. It worked only one time when I was able to get a boost after submitting my XXXX XXXX  information. However, in XXXX and thereafter I did not receive another boost to my credit for XXXX, even though I continued to pay my bill and XXXX continued to report my monthly payments. Experian later told me that sometimes the boost works and sometimes it doesn't work for certain companies. But the fact of the matter it had worked for XXXX before, why it stopped I don't know? 

Next, I tried to submit my XXXX bill for boost back in XXXX of XXXX as well, but I was told that the XXXX bill would not be able to be accepted with boost at that time. So I continued to contact Experian credit bureau to see if they would accept my XXXX bill, but kept being told that my XXXX bill could not be accepted. Which ultimately caused me to lose points with my score. They also have not been updating their information about accounts. The last update was back on XX/XX/XXXX. 

Lastly, I received a decrease to my score at the end of XXXX. This was due to inaccurate information being placed on my credit information. I received a decrease because it was reported that one of my credit card accounts had closed, when in fact the card had changed ownership and switched to another account. But the card had never closed. Experian never fixed or recredited my account for those loss points. Then recently I received a 21 point decrease to my credit score, this coming after being told that the government would see to it that people credit would not be effected during the pandemic. However, my score decreased significantly for reasons unknown to me. According to the website of Experian, I had been making my payments on time and not using too much credit, doing a good job overall. But yet and still, my score took a big hit. When I asked Experian about the decrease, I was told that they could not tell me why my score was decreased. This to me is completely absurd!

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