vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I spoke with manger XXXX, AND HE HAS BEEN WORKING WITH ME SINCE I WAS FIRED FROM MY LAST JOB AT XXXX XXXX XXXX XXXX; I WENT TO XXXX office explained to the XXXX manger XXXX, that i got hurt on the job, XXXX XXXX XXXX XXXX XXXX XXXX while i was under a running XXXX XXXX machine, i reported my accident and was fired by the director while I was still under WORKERS COMP, WHICH I AM STILL UNDER WORKERS COMP PRESENTLY XX/XX/2019, MY PROBLEM IS THEIR N.C OFFICE CALLS AND CONSTANTLY HARASSES ME AFTER I TRY AND TELL THEM I HAVE SPOKE WITH XXXX. I AM NOT ONLY TRYING TO GET A BANK LOAN TO PAY OUT MY DEBTS BUT CAN NOT BECAUSE THEY KEEP REPORTING WHEN I AM TRYING TO PAY BEST I CAN WITH NO JOB!!!!!!!!!!!!

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 2019-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I tried to contact XXXX by mail (XX/XX/2019) to verify the information they are reporting to the Credit Bureau several times. They finally sent me a copy of a Promissory Note on (XX/XX/2019). The above date is not the first time I have asked them to verify they information, no response. The information is past 7 years old and they do not hold the account anymore. The loans are consolidated with XXXX XXXX. XXXX has reported than I was late on some accounts and not late on others. Basically ALL the information they reporting is incorrect.

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 2019-08-21 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: SC

Complaint narrative:
I tried to contact XXXX by mail (XX/XX/2019) to verify the information they are reporting to the Credit Bureau several times. They finally sent me a copy of a Promissory Note on (XX/XX/2019). The above date is not the first time I have asked them to verify they information, no response. The information is past 7 years old and they do not hold the account anymore. The loans are consolidated with XXXX XXXX. XXXX has reported than I was late on some accounts and not late on others. Basically ALL the information they reporting is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I tried to contact XXXX by mail (XX/XX/2019) to verify the information they are reporting to the Credit Bureau several times. They finally sent me a copy of a Promissory Note on (XX/XX/2019). The above date is not the first time I have asked them to verify they information, no response. The information is past 7 years old and they do not hold the account anymore. The loans are consolidated with XXXX XXXX. XXXX has reported than I was late on some accounts and not late on others. Basically ALL the information they reporting is incorrect.

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 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
The company Convergent Outsourcing, I sent them a letter stating that the information on my Credit Report. They in turn sent me a letter stating that they do not have an account for me. I sent a copy of that letter to the Credit Bureaus and the incorrect information is still on my report.

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 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In the year XX/XX/2016 I was a victim of a scam, and I say victim because I was part of it. My son was XXXX years old at the time was given a check by mail from a person claiming to be a legit company, by mistake and not knowing what I know today, I deposited that check into a Bank of America account that I had open at the time and the check ended up being fraudulent. I had no idea things like this could be faked and as I did a little investigation, it turned out that the check came from XXXX. The account was closed and I was treated like the biggest criminal that has walked this earth, I was told by the bank manager at the time that my record was going to be ruined and that no banks were going to want to open another account for me because of this one mistake that was unintentional because I had never done anything like this in my life, as I looked thru my XXXX report, I see that there is a suspected fraud activity being reported by Bank of America which has been haunting me because I have not been able to get ahead in life because of this only one mistake that I did not having the knowledge that I have today. The date that this was reported was in XX/XX/2016 and until this day it is still on the XXXX report. The information that I have is very limited, the XXXX#: XXXX  / XXXX, it has a closure status of unpaid, and this is not correct because Bank of America never cashed that check so no money was ever given to me, I do not owe Bank of America anything and they are reporting this to XXXX like it’s correct. I want Bank of America to proof to me that I owe them anything, Bank of America is a great bank to be a member of but what they have done to me is not right because they never took into consideration the time I had the account open and everything was going great. I want Bank of America to provide me with documentation where it shows and serves as proof that I owe them any amount of money. Please help me by requesting XXXX to delete all bad information reported by you from my credit report.

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 2019-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: TN

Complaint narrative:
On XX/XX/XXXX, Lending Club drafted by checking account for a monthly payment and then drafted my account a second time for the same loan.  I have been in contact with them but they still haven't returned the additional payment.  I have made multiple calls to the customer service department without any success.  I have also incurred additional fees to my credit union due to the double ACH withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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 — Problem with personal statement of dispute
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am contacting the Southwest recovery systems collection on my credit report. The original debt was with XXXX and the date on this was XXXX. The debt had been illegally readded in collection and the statute of limitations has passed and this should have fallen off my credit report in XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KeyBridge Medical Revenue Management
State: MI

Complaint narrative:
I have previously filed a complaint against KeyBridge Medical Revenue for 3 collection accounts that I paid and they refuse to remove off my credit report as they state "it goes against their practices" However after filing a complaint with the XXXX XXXX XXXX I see that INFACT they DO remove collection accounts either in a plan to "PAY TO DELETE" I guess I should have done more research on this practice. I just paid them totaling XXXX and now being punished by paying the bill and not causing a fuss and it is impacting my credit score.So, their ethics are XXXX and all they want to do is hurt UNAWARE folks who don't know how to play the game. I have 3 collections that are on my report marked paid, but they are still showing as collections. They need to be removed! I filed my complaint today with the XXXX XXXX XXXX and my final step will be with my attorney XXXX XXXX XXXX. XXXX for litigation.I have copied items from the XXXX page for documentation here to show Keybridges "BOGUS GUIDELINES" and show how they pick and choose who to hurt and take advantage of those who do not know.

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 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: GA

Complaint narrative:
I have contacted this company 3 times asking them to verify that I owe this debt according to the FCRA. Not only have they failed to respond in the required time frames, but they also never sent evidence or proof that I own this account. They have stated on my credit reports that I owe a debt of $XXXX, with the original creditor being XXXX. The 1st letter I sent advising that I was disputing that debt upon noticing it on my credit reports dated XX/XX/XXXX, they signed for and received as shown by the mail receipt on XX/XX/XXXX. I never received a response. I sent 2 more letters dated XX/XX/XXXX andXX/XX/XXXX, to which I never received the return receipts nor a response from the company providing verification of this alleged debt. Per FCRA, a dispute is supposed to be investigated and given a response upon 30 days of receiving notice, and they are in direct violation. The creditor also supposed to provide proof or verification of the account providing an original signature or contract showing ownership of the debt owed and they have also failed to do that. I have now received a billing/settlement statement from them dated XX/XX/XXXXXX/XX/XXXX, stating that I owe a debt of $XXXX, and this is also not what is reported on my credit reports. I want this item removed from all 3 bureaus as this debt is unable to be verified and is incorrect. Also, upon review of my XXXX   report, this same debt is showing as a charged off loan instead of a collection. This is very inaccurate since the other 2 reports show this as a collection and shows a serious error with their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: NC

Complaint narrative:
In XXXX, I started the application process for the Teacher Loan Forgiveness with Great Lakes.  From that time on, they sat on the paperwork and did not tell me of any issues timely or process.  Then, they said it was just all illegible.  Then, I resent the paperwork and they said there was a section that was completed incorrectly even though it was completed as requested.  Although I applied just for Teacher Loan Forgiveness and repeatedly notified Great Lakes that I did not want to go into forbearance as I just wanted to continue to pay my loans at the same amount under the same payment structure I agreed to at the time of graduation in the exit counseling and just have the Teacher Forgiveness portion of $XXXX applied toward principal when received, they continued to put my loan on three occasions into loan Forgiveness although both in writing and over the phone to several supervisors including XXXX, I specifically told I did not want this to happen and explained as above what I did what to happen as far as application to principal when received and continuing same payments schedule.  After numerous calls, many recorded, complaints filed with the company in writing and written email message correspondence over the past 7 months, the forgiveness was finally applied in XXXX.  However, they lowered my payment schedule and changed the payment date which was not what was requested.  On XXXX, XXXX   I sent another email and complaint to the company and then they did something to my account where instead of an approximately $XXXX   balance, it is showing $XXXX balance and $XXXX past due although I have never been past due on an account EVER!  I can attach a copy if you need it.  Upon seeing this last night, I called and spoke to XXXX, a supervisor, who just continued to tell me that my account had been flagged for a routine account review and this whole situation had nothing to do with that review and that his system was not showing me delinquent although it was all over their website that I was and needed to make a payment IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
On XX/XX/2019, I paid $XXXX on my student loan. This payment was made manually by phone because I changed my repayment due date. The representative of AES advised me to pay manually because my Direct Debit would not be applied. However, on XX/XX/2019, an unauthorized withdrawal of $XXXX was taken out of my checking account by Direct Debit. This wrongful transaction has caused undue financial hardship. I am disputing the period of time that I was told by representative on XXXX XXXX it would take (30) days to receive a refund. My account was wrongfully debited. My rights to disallow me my refund sooner is totally unjustified. Please investigate this matter in order for me to receive speedy resolution to this situation. I am in a dire financial crisis and need replacement of my funds as soon as possible.At first, I was going to resolve the problem by allowing the payment to be applied to the month of XXXX payment but recanted my decision to do it that way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MI

Complaint narrative:
I called and spoke with a representative from the collection agency listed on my credit report. L J Ross Associates Inc located in XXXX Michigan.  I provided them with the account number listed on my credit report and they said they couldn't find my account.  I also reached out to the original creditor XXXX XXXX XXXX located in XXXX Michigan and was unsuccessful.  The complaint number was XXXX.  I have attached the page of my credit report showing the account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: SC

Complaint narrative:
Hi, my issue is with Equifax. I have called and started claims numerous times for incorrect information on my credit file. It has been almost 2 years of me trying to get the issues resolved with no resolution. My report with them is not correct and they hav e done nothing to help me with  this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: HI

Complaint narrative:
Please reverse the late payment reported on in this particular account:XXXX XXXXThe account was never past due, I never made a late payment to thiscompany ever, please change this. I have a good relationship with this 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 2019-08-21 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: HI

Complaint narrative:
Pleasereversethelatepaymentreportedoninthisparticularaccount:XXXXXXXXTheaccountwasneverpastdue,Inevermadealatepaymenttothiscompanyever,pleasechangethis.Ihaveagoodrelationshipwiththiscompany.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: OH

Complaint narrative:
I sent a debt validation letter to Midland Credit Management to verify a debt on XXXX XXXX that they claim I owe. Midland only sent me statements of the accounts, the statements they sent only show a balance owed it does not prove that the amount is correct from XXXX. Midland did not send me all the information that I requested to prove that they own the debt and prove they are legally allowed to collect on these accounts. Midland is still reporting to all 3 credit bureaus on this debt that has not been Validated. No signatures are on any documents they have sent to me including original creditors documents they provided me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: NC

Complaint narrative:
My state and all federal laws of reporting REQUIRE that any derogatory consumer data, TRUE OR NOT, be not only verifiably valid in its reality of being BUT MORE EVEN physically verifiable and validated as to its DOCUMENTED perfection and completion of COMPLIANCE of reporting. Of note, MINIMAL reporting standards are universally applicable and include at least the FCRA (if applies), FDCPA (if applies),HIPAA PR (if applies), and the certified correct and complete Metro 2 format reporting compliance (ALWAYS APPLIES). To date ,I have received NO irrefutable evidence in support of claims and as such I rebut it’s status as lawfully bidding and demand claim eradicated and foreverly extinguished. COMPLIANCE is a MANDATORY condition of reporting, it is NOT OPTIONAL.  I given TRANSUNION the opputunity to correct this error by sending them a request to certify this item on the following dates with no resolution:XX/XX/XXXXXX/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 2019-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX;XXXX/XXXX XXXX;XXXX/XXXX XXXX XXXX XXXX XXXX;XXXX XXXX XXXX;XXXX/XXXX XXXX XXXX;XXXX XXXXXXXX;

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 2019-08-21 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: EQUIFAX, INC.
State: HI

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXXXXXX;XXXX XXXX XXXX;XXXX XXXX;XXXX XXXX XXXX XXXX XXXX;XXXX XXXX;XXXX XXXX XXXX -;XXXX XXXXXXXX;EQUIFAX MORTGAGE SER and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to the Fair credit Reporting Act, Section 609 (a)(1) (A) the credit bureau is required by federal law to verify through physical verification o the original signed certified consumer contract  of any and all accounts posted and or reported on credit report.  These credit bureaus have engaged in massive data breaches and compromised citizen s credit information and personal information.  Through the years they have engaged in evasive manuervers, benign neglect, and plausible deniability.  They have been sued and in some instances some individuals haven't  recovered.  These institutions have crippled my credit the majority of my adult life with erroneous information.

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 2019-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
HSBC has a webpage advertising their premier checking account at https://www.us.hsbc.comXXXXXXXXIt advertises in large text at the top "No Fees" with no qualifiers.However, buried in the fine print is a $XXXX/month "monthly maintenance fee" and a $XXXX   "legal papers" fee.See Page 3 of the advertisement (attached PDF) for the "No Fees" text, and the separate T&C (also attached) for the other fees.

Company response to consumer: Closed with explanation