vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 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: ATG Credit, LLC
State: OH

Complaint narrative:
ATG Credit LLC has placed several accounts on my credit report listing XXXX XXXX as the original creditor as XXXX XXXX and states that the account was opened XX/XX/2020. After contacting this company they recanted this information stating that the actual original creditor they are working for is another collection agency XXXX XXXX, and that the original creditor is not XXXX XXXX but a hospital in XXXX Ohio. They were unable to give me an exact date of service, who the patient was. I have ever been notified by mail/phone/email/ or any otr correspondence prior to this 7 year old debt being placed on my credit report on XX/XX/2020. I've never been given the opportunity to dispute this debt prior to it being placed on my report. I've never contracted to pay any monies to XXXX XXXX, it is my understanding this debt was purchased by them from unknown creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: CBC Companies, Inc.
State: MA

Complaint narrative:
XXXX/XXXX  reported on credit report XX/XX/XXXX XXXX/ XXXX  reported on credit report XX/XX/XXXX Factual Data reported on credit report XXXX XXXX XXXXs reported on credit report XX/XX/XXXX and XX/XX/XXXX I have not authorized any of these

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I went to XXXX XXXX XXXX XXXX in XXXX, NC, yesterday, XX/XX/2020 to shop for a new truck. They ran my credit and I said if it didnt look like they could do it, we didnt want to try, but today there are 6 inquiries on my report. I had no idea that they would all show up, especially since we only went to one dealership and didnt ask to run it multiple times.

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 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: IA

Complaint narrative:
This is the same issue from complaint # XXXX. XXXX XXXX XXXX ( XXXX XXXX ) is still harassing us with trying to collect a XXXX. bill. Now they are using RPM debt collection agency to try to intimidate to collect something we have discussed and finalized with XXXX XXXX XXXX ( XXXX XXXX ) supervisors.Review complaint # XXXX-XXXX  and have them stop harassing us! XXXX XXXX XXXX needs to listen to their recordings from the dates and times I have listed. XX/XX/XXXX at XXXX XXXX. when I talked with XXXX and her supervisor XXXX. I was told that I owed for 2 days service and to return the equipment. They would send a box to return it in. XX/XX/XXXX at XXXX I told XXXX the it wasn't disconnected yet. He said the account was pending disconnection for XX/XX/XXXX. I told him about the conversation with XXXX and XXXX, he said that their was nothing he or myself could do about it. I would get a bill for the full amount, and I would have to contest it. That is what I have been doing for a full year now! This is a scam!!! XX/XX/XXXX the service was disconnected and I talked with XXXX  at XXXX. She said that I owed {$8.00} for 2 days service and that it should have been disconnected on XX/XX/XXXX.I paid the {$8.00}. XX/XX/XXXX I get a bill for the full amount. I talk with XXXX at XXXX and she was going to look into it. She stated there was nothing in the notes from my previous conversations. She would be escalating the complaint and I would get an email or phone call in 24-48 hours. I asked her to put in the complaint notes to listen to the previous recordings. She said she would.I heard nothing back until we get another bill on XX/XX/XXXX. My wife calls XX/XX/XXXX at XXXX and talks with XXXX employee # XXXX and XXXX supervisor XXXX XXXX. They inform my wife that the account is at {$0.00} We hear nothing back. We get a collection notice from XXXX in XXXX. XX/XX/XXXX at XXXX I speak with manager XXXX. She said she will have XXXX XXXX manager listen to the recording on XX/XX/XXXX. XX/XX/XXXX I send an email to XXXX disputing the bill. This is ongoing harassment that needs to stop!!

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 2020-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
Quality Asset Recovery unlawfully reported a medical debt to credit bureau as an individual that was already in the process of being addressed by workers compensation company XXXX XXXX XXXX. ( claim number is available upon request ). 
on XX/XX/2020 I received a Quality statement of amount due {$150.00}. 
I immediately informed Quality Asset with XXXX XXXX XXXX claim number with all the information required. I requested to correct the issue to send the statement to the XXXX XXXX XXXX. Also, I requested to remove the medical debt report from my credit report. However, it was never removed and the issue was never corrected. Again, I checked my credit report and I found that Quality Asset recovery updated the report with the same wrong information without removing it. I called on the date XX/XX/2020 XX/XX/2020 XX/XX/2020 and many more dates. requested to remove the false report, I have been threatened that the false information will not be removed from my credit report and it will remain in my account with the same information as an individual responsible for the statement for 7 years even if it's been paid from the workers compensation company.

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 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I applied for a Hilton Honors Amex Surpass card in XX/XX/2020. the offer was XXXX in Hilton Honors points if {$2000.00} was spent using the card within two months. I received the card in XX/XX/2020 and met the spend requirement per the original offer, although it had been extended. I have been told this is not the offer I applied for, and Amex is refusing to honor their agreement. The offer is still available at Hilton.com and is it was in XXXX and before so not a short term promotion. I expect Amex to meet this agreement as I fulfilled my obligation. Very disappointed in the companies lack of customer service and am considering cancelling my two other Amex card along with this one which involves loss of business for one of their partners, Hilton Hotels. I will be filing the same report against Hilton.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivables Performance Management, LLC
State: MO

Complaint narrative:
I received a bankruptcy discharge in XX/XX/XXXX. In XX/XX/XXXX, Receivables Performance Management opened a collection account, reported to the 3 credit bureaus, to collect a debt discharged in my bankruptcy in XX/XX/XXXX. I have contacted the company 3 times, each time having no record of be submitting the bankruptcy information the previous time. The collections account appears as delinquent on my credit report, affecting my credit score negatively.

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 2020-06-23 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: Capio Partners, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX has placed several accounts on my credit report listing XXXX XXXX as the original creditor as XXXX XXXX and states that the account was opened XX/XX/2020. After contacting this company they recanted this information stating that the actual original creditor they are working for is another collection agency CAPIO PARTNERS, and that the original creditor is not XXXX XXXX but a hospital in XXXX Ohio. They were unable to give me an exact date of service, who the patient was. I have ever been notified by mail/phone/email/ or any otr correspondence prior to this 7 year old debt being placed on my credit report on XX/XX/2020. I've never been given the opportunity to dispute this debt prior to it being placed on my report. I've never contracted to pay any monies to Capio partners, it is my understanding this debt was purchased by them from unknown creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I had an account take over with my comenity bank/ XXXX  account. So when the investigation was over with a new card was sent out and the lady said my account payment history would be updated since there were fraud which at the time I hadnt even used the card at that point and I called back to the security department and the lady stated she had nothing to do with the credit reporting and that she would send a email. Ive called several times this year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 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: MA

Complaint narrative:
XXXX/XXXX  reported on credit report XX/XX/XXXX XXXX/ XXXX  reported on credit report XX/XX/XXXX XXXX  XXXX reported on credit report XXXX Credit Plus reported on credit report XX/XX/XXXX and XX/XX/XXXX I have not authorized any of these

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
In XXXX, I filed Chapter XXXX Bankruptcy. The Bankruptcy Court released my home from the Chapter XXXX on XX/XX/XXXX. In XX/XX/XXXX, I noted a 30-day past due notice on my payment for XX/XX/XXXX. In contacting Freedom Mortgage, they refused to speak with me, advising that they needed a note from my attorney -- despite knowing that the home was removed from the bankruptcy. My credit reports are showing 6 months of delinquency AND the monthly payment amounts are not correct. Even the credit reporting by Freedom Mortgage indicates that the home was removed. I have NEVER missed a payment. What and where are my rights. AND, this is NOT the first time that Freedom Mortgage has been negligent in their responsibilities. This difference this time is that I have no recourse except filing through this venue and filing a lawsuit.

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 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
It would not let me log on thru a app to get a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC will not approve XXXX to direct deposit money into my account. They said they have reached out to PNC with no avail. I need weekly deposits for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: AL

Complaint narrative:
There are several accounts reporting incorrectly and there are accounts that are reporting as a result of identity theft. Please correct the following inaccurate status and remove the following fraud accounts : Incorrect Personal Information : Names : XXXX ( TU ) Names : XXXX XXXX XXXX ( XXXX  ) ; the correct is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX ( XXXX, TU, XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX, TU, XXXX  ) The following status is inaccurate on the following accounts : XXXX - Opened XX/XX/XXXX Balance : {$15000.00} I was never 90 or 120 days late XXXX - Opened XX/XX/XXXX Balance : {$0.00}. I was never 30 days late. 

The following accounts are a result of identity theft/fraud : XXXX XXXX  - Opened XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  ) Bal : {$2800.00} XXXX ( XXXX XXXX ) - XX/XX/XXXX Bal : {$2900.00} ( TU ) XXXX  ( XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX Bal. {$110.00} ( TU ) XXXX - Date Opened : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  ) Bal : {$3500.00} XXXX ( XXXX  ) Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX ) Bal : {$120.00} XXXX - Date Open : XX/XX/XXXX ( TU ) and XX/XX/XXXX ( XXXX  ) Bal : {$260.00} XXXX - Date Open : XX/XX/XXXX ( TU ) XX/XX/XXXX ( XXXX  and XXXX ) Bal : {$810.00} XXXX - Date Open : XX/XX/XXXX ( TU ) XX/XX/XXXX ( XXXX ) Bal : {$160.00} XXXX XXXX - Date Open : XX/XX/XXXX ( TU ) XX/XX/XXXX ( XXXX  ) Bal : {$120.00} UNKNOWN - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$100.00} UNKNOWN - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$360.00} XXXX  - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  and XXXX ) BAL : {$1200.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$3500.00} XXXX  XXXX - Date Open : XX/XX/XXXX ( TU XXXX & XX/XX/XXXX XXXX Experian XXXX BAL : {$0.00} XXXX BANK - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  & XXXX  ) BAL : {$810.00} XXXX - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  and XXXX  ) BAL : {$2300.00} XXXX - Date Open : XX/XX/XXXX ( TU XXXX & XX/XX/XXXX ( XXXX and XXXX  ) BAL : {$1000.00} XXXX - Date Open : XX/XX/XXXX ( TU XXXX & XX/XX/XXXX ( XXXX   and XXXX  ) BAL : {$0.00} XXXX  - Date Open : XX/XX/XXXX ( TU ) & XX/XX/XXXX ( XXXX  and XXXX ) BAL : {$1700.00} XXXX  - Date Open : XX/XX/XXXX ( TU ) BAL : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX ( 6 TIMES ) XXXX XXXX XXXX 2 TIMES )

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 2020-06-23 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: AL

Complaint narrative:
There are several accounts reporting incorrectly and there are accounts that are reporting as a result of identity theft. Please correct the following inaccurate status and remove the following fraud accounts : Incorrect Personal Information : Names : XXXX  ( XXXX  ) Names : XXXX XXXX XXXX ( XXXX  ) ; the correct is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX ( XXXX, XXXX, Experian ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX, Experian ) The following status is inaccurate on the following accounts : XXXX - Opened XX/XX/XXXX Balance : {$15000.00} I was never 90 or 120 days late XXXX - Opened XX/XX/XXXX Balance : {$0.00}. I was never 30 days late. 

The following accounts are a result of identity theft/fraud : XXXX XXXX  - Opened XX/XX/XXXX ( XXXX ) & XX/XX/XXXX ( Experian ) Bal : {$2800.00} XXXX ( XXXX XXXX ) - XX/XX/XXXX Bal : {$2900.00} ( XXXX  ) XXXX  ( XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX Bal. {$110.00} ( XXXX  ) XXXX - Date Opened : XX/XX/XXXX ( XXXX   ) & XX/XX/XXXX ( Experian ) Bal : {$3500.00} XXXX  ( XXXX  ) Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  ) Bal : {$120.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( XXXX  ) Bal : {$260.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX  and Experian ) Bal : {$810.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX XXXX Bal : {$160.00} XXXX XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX ) Bal : {$120.00} UNKNOWN - Date Open : XX/XX/XXXX ( XXXX ) BAL : {$100.00} UNKNOWN - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$360.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  and Experian ) BAL : {$1200.00} XXXX - Date Open : XX/XX/XXXX ( XXXX ) BAL : {$3500.00} XXXX  XXXX - Date Open : XX/XX/XXXX ( XXXX ) & XX/XX/XXXX ( Experian ) BAL : {$0.00} XXXX XXXX  - Date Open : XX/XX/XXXX ( XXXX   ) & XX/XX/XXXX ( XXXX  & Experian ) BAL : {$810.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  and Experian ) BAL : {$2300.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX   and Experian ) BAL : {$1000.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX   and Experian ) BAL : {$0.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  and Experian ) BAL : {$1700.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX ( 6 TIMES ) XXXX XXXX XXXX 2 TIMES )

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 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
On XX/XX/XXXX I purchased a Bluebird American Express prepaid debit card. The cost was {$5.00}. On XX/XX/XXXX I tried to register my card online and what should have only taken 5 minutes ended up being close to an hour with no resolve. I entered the address where I wanted my card to be sent. The system stated that it did not recognize it as a U.S. postal service address. It was a U.S. Postal Service ( physical ) address that was registered for both business and personal use. I then used a home address that was also listed with the U.S. Postal Service. The system recognized the address but continued to delete the other information I had previously entered requiring me to enter it again and again. Everytime I entered the correct, necessary information and clicked the submit button, I would have to repeat the process over again. I made numerous attempts to register my card. It was extremely frustrating, not to mention the fact that there was no live customer service representative to help. I searched online and found the American Express credit card phone number. After going through several prompts I was finally able to speak to a representative about their card. Her name was XXXX. She took my card information and then gave me the run around. I told her that she was not very helpful as she never answered if customers were able to speak to a live representative through the Bluebird number listed on the card. I told her there was no way that I could speak to a live representative and that the automated system kept giving me the run around. When I asked if customer service was ever available at Bluebird she said that I would have to contact them to ask. How can I ask customer service if there was no way to connect with them through the automated system? When I explained that I could not get a hold of anyone she just kept repeating that I would have to contact them to ask. Being that I was unable to get any help from American Express, I went back online and tried to register again for about the 10th time. At that time a message stated, in so many words, that American Express was not able to offer me an account. I was hurt after spending my own money to purchase the card. I was unable to Register for no apparent reason. I was upset about the length of the process and the fact that I was given the run around. I completely expected more professionalism from a company like American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello I paid this off XXXX in full, I have a email showing the same and they again tld my credit reports I have a balance.

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