vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Allied Collection Services, Inc. (Nevada)
State: PA

Complaint narrative:
My name is XXXX XXXX and my XXXX cell phone bill went to collections. On XX/XX/2020 I received a phone call from a debt collector, I told her that I was unable to make a payment and the debt collectors ' response was, I don't understand why you can't pay your phone bill when you just received a {$600.00} stimulus check. I told her she had no right to say that to me and I hung up. I called back and spoke with another debt collector and told him what happened. He stated that she shouldn't have said that to me and transfer me to the supervisor. The supervisor whose name is XXXX talked over me and hung up. The name of the debt collection agency is ACSI the phone number is XXXX. I called the corporate office at XXXX and was transfer back to this XXXX person. I know that the money is owed back a debit collector has no right to tell me she doesn't understand why I can't pay my bill because I just got a {$600.00} stimulus check. She was very rude and inappropriate. The debt collector doesn't know if I received a stimulus check. Please help me the supervisor XXXX stated that she listened to the call and didn't find anything wrong with how it was handled.

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 2021-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Recovery Services, Inc.
State: SC

Complaint narrative:
This company continues to call for a debt I have no knowledge of, nor is valid. I advised several very aggressive phone collectors to send me a letter stating specifically what is owed and who the original creditor is and validation of this alleged debt. They state they don't send letters and several just hung up. They also asked me to confirm my information, and try to verify the last four digits of my social security number and date of birth. Any attempt to collect a debt without validating it violates the FDCPA. 

This company has repeatedly sent mail communications indicating that they are acting on a date for another creditor threatening that it may be placed with a law firm. 

Further, this company does not have permission to contact me, they don't have my permission to have any information I have asked them repeatedly to cease all communication and to only contact me by mail. I ask there address and they wont give that information, I asked to speak to a supervisor and they hang up. They even hang up as soon as I try to ask a question. 

Regardless of whether or not you properly validate this debt, all communications concerning this alleged debt shall forever cease and should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have received 4 calls and 3 voicemails from XXXX, the first was on XXXX XXXX, XX/XX/2021, after upon listening to the voicemail, I blocked the number and deleted the voicemail. I received calls from same number on XX/XX/2021, XX/XX/2021, XX/XX/2021. I got 2 more voicemails, which are all the same and sound a little like a recording, maybe? 

The caller, a male, talks in a muffled voice, he says : " This is an important message from Pioneer Credit Recovery Incorporated. This is XXXX XXXX. The law requires I notify you. I'm calling from a debt collection company. This is also an attempt to collect a debt. Any information obtained will be used for that purpose. I'm calling today on behalf of XXXX. Please call me back when you get this message to XXXX and when calling use reference number XXXX. '' The Caller ID comes up with PCR INC. from XXXX, NY. 

I have not responded to any of the calls, but I'm getting really annoyed with them. I know I have no debts and I know this is a fake or scam call. I always ignore scam calls and block them. I have never received voicemails like this before.

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 2021-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I am having issues opening up a Citibank Checking and Savings Account online. I had a previous checking account with Citibank in XXXX and the checking account was closed with a negative balance. The balance and debt I owed to Citibank was discharged in bankruptcy court under Chapter XXXX on XX/XX/XXXX in the United States District Court District of Minnesota Bankruptcy Court. Citibank is discriminating against me and not allowing me to apply for credit or open up a checking account due to my previous checking account with CitiBank, which the debt was discharged in bankruptcy court. Citibank is also discriminating against me due to my race, me being XXXX XXXX ( XXXX ). Citibank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. I deserve a second chance checking account with Citibank. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : 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 2021-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: VT

Complaint narrative:
On XX/XX/2020, I received care at XXXX XXXX for a second XXXX XXXX. Prior to my appointment, I met with the billing department and paid the patient responsibility for the procedure of {$160.00}. The billing representative informed me that this was the total cost for the services that would be provided during the mammogram. On XX/XX/2020, I received a bill from XXXX XXXX XXXX for {$52.00}. I called XXXX XXXX in regards to the bill and they told me to call XXXX XXXX as they were not aware of any additional charges. XXXX XXXX XXXX informed me that the charges were for the radiologist. After I explained to them that I was told that my total out of pocket expense was {$160.00} which was paid the day of the procedure, the billing rep told me to get a copy of my EOB for the charges. In XX/XX/2020, we had to move due to my husband losing his job. I never received the EOB or any additional correspondence from XXXX XXXX XXXX. On XX/XX/2020, I was notified by XXXX credit journey that a major derogatory has been posted to my credit report by CMRE a collection company for XXXX XXXX XXXX. I informed XXXX XXXX XXXX that I never received any correspondence ( not a letter, a phone call ) from CMRE. The representative opened up a resolution case and informed me to call back in 15 days. We were scheduled to close on our home on XX/XX/XXXX however, due to the significant change in my credit score from XXXX to XXXX, we no longer qualified for the original terms and conditions. I write this as a plea to remove this major derogatory action on my credit report. I have never paid a bill late or had anything sent to collections. I have tried to call CMRE 5 times and the number just rings, no one has answered. I am at your mercy and beg you to please help me with this situation. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received this today its a scam I wonder if you could block the number traces to stop this from happening

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
After contacting XXXX I in the customer care department regarding the inaccurate and incorrect information that XXXX XXXX  is reporting on my credit report, I received a letter from XXXX stating that this account is reporting accurately. This claim of accuracy is false and XXXX failed to do a reasonable investigation regarding the accuracy of this account. List are the inaccuracies that are still on my XXXX  credit report : 1. The High balance is incorrect. 2.The last payment shows XX/XX/XXXX but my payment history shows my last payment to be on XX/XX/XXXX. 3. There is a charge off only after a 60 day late in my payment history. 4. The remarks shows paid in full, is the accurate? 5. There is no date of last activity. 6. The close date is inaccurate. 7. The account number is inaccurate. XXXX report : 1. Shows no payment history, but XXXX do. 2.The Delinquency First Reported date has been re-aged several times lastly to XX/XX/XXXX. How is this account reporting accurately to the CRA 's as claimed by XXXX in customer care?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: First American Solutions, LLC
State: CA

Complaint narrative:
My payment was made out on the XXXX and I haven't received it they said that there's fraud on my name I'm not understanding what I need to do and I'm not seeming to get the right help I need my information is not the same because I can't get into my account so let me somebody is doing fraud on my name please help thank you

Company response to consumer: Untimely response
Consumer complaint received 2021-01-17 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: FL

Complaint narrative:
My child support case/account was added to my credit report as a collection account in error. After disputing this matter with the Department of Revenue, they agreed that the reporting was in error and provided me with a letter stating that the account would not report at all because it was reported in error. It is an open child support case in which payments are payroll deducted so I am clearly in compliance and paying as ordered by the courts. As such, I am hereby demanding to have this adverse account removed from all THREE credit bureaus because it is negatively impacting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: FL

Complaint narrative:
My child support case/account was added to my credit report as a collection account in error. After disputing this matter with the Department of Revenue, they agreed that the reporting was in error and provided me with a letter stating that the account would not report at all because it was reported in error. It is an open child support case in which payments are payroll deducted so I am clearly in compliance and paying as ordered by the courts. As such, I am hereby demanding to have this adverse account removed from all THREE credit bureaus because it is negatively impacting my credit profile.

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 2021-01-17 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: FL

Complaint narrative:
My child support case/account was added to my credit report as a collection account in error. After disputing this matter with the Department of Revenue, they agreed that the reporting was in error and provided me with a letter stating that the account would not report at all because it was reported in error. It is an open child support case in which payments are payroll deducted so I am clearly in compliance and paying as ordered by the courts. As such, I am hereby demanding to have this adverse account removed from all THREE credit bureaus because it is negatively impacting my credit profile.

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 2021-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NIC, Inc.
State: MO

Complaint narrative:
This company is in violation of the FDCPA, sections 808 ( 1 ) and ( 2 ). There is no judgement that exists, which warrants the collection of any interest. Nemo 's Collection 's continues to update my credit report on a monthly basis by {$1.00} to {$2.00} dollars and recently did so on XX/XX/XXXX. They have not validated the debt nor provided a copy of the original contract which proves they are legally able to collect interest. In addition, attempts have been made via certified mail, to pay the original balance of the debt, of which the owner of the company refused to accept the certified mail. The owner stated that he has a right to refuse certified mail and does so because attorneys are constantly sending him certified letters. A second attempt was made via priority mail, of which I have received no response, and the USPS, shows it was delivered on XX/XX/XXXX, the same date the company illegally made a false update. I have disputed the inaccuracies with the credit bureau as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This company continues to call for a debt I have no knowledge of, nor is valid. I advised several very aggressive phone collectors to send me a letter stating specifically what is owed and who the original creditor is and validation of this alleged debt. They state they don't send letters and several just hung up. They also asked me to confirm my information, and try to verify the last four digits of my social security number and date of birth. Any attempt to collect a debt without validating it violates the FDCPA. 

This company has repeatedly sent mail communications indicating that they are acting on a date for another creditor threatening that it may be placed with a law firm. 

Further, this company does not have permission to contact me, they don't have my permission to have any information I have asked them repeatedly to cease all communication and to only contact me by mail. I ask there address and they wont give that information, I asked to speak to a supervisor and they hang up. They even hang up as soon as I try to ask a question. 

Regardless of whether or not you properly validate this debt, all communications concerning this alleged debt shall forever cease and should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have an account XXXX Checking Line of Credit XXXX, that is reporting adversely on my Transunion account ; however it has exceptional payment history and has never been late or past due. I have talked with my bank to see how they are reporting it ; however they are only reporting the status and the amount paid. This account is not adverse, it is current and should be moved to satisfactory status. This is my second time reaching out about this ; however the issue is never resolved. I have attached a recent snip of how this is being reported on my account. Its clearly being reported incorrectly.

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 2021-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XXXX of XXXX, XXXX  announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to XXXX, transunion, and XXXX  but not haven't got a response. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the XXXX Data Breach Settlement given to me by XXXX  credit bureaus. Please delete inquires, collection item, closed accounts, and previous addresses. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: FL

Complaint narrative:
Hello, I am XXXX XXXX, XXXX years old, who doesn't know XXXX. I submitted a complaint on XX/XX/2020, complaint number XXXX. Until today I have not gotten a response. And on XX/XX/2020, I wrote another complaint, with the complaint number XXXX. 
And the third complaint, I submitted on XX/XX/2020, with the complaint number XXXX. 
On the first complaint you promised that I will get a response until the XX/XX/XXXX. Until today I have not gotten any response from you. 
On your response to my latest complaint said I can go into the website, or call you. 
If I call you, I do not know XXXX  ( and you know this, and you are not bringing a translator on the line ). 
On your website, it says that the complaint is closed and unable to be opened. Why are you toying with the citizens so much? 
Why are you always telling stories and legends in your responses? 
Are you embarrassed that your answers will be published? 
In your last response, again you wrote that on the XXXX of XXXX a letter was sent out to me. 
And again, why all of this toying? I was supposed to get your response a long time ago. 
I request immediately your response to my email, XXXX, even though you already have my email. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After contacting XXXX XXXX in the customer care department regarding the inaccurate and incorrect information that XXXX XXXX  is reporting on my credit report, I received a letter from XXXX stating that this account is reporting accurately. This claim of accuracy is false and XXXX/XXXX  failed to do a reasonable investigation regarding the accuracy of this account. List are the inaccuracies that are still on my Transunion credit report : 1. The High balance is incorrect. 2.The last payment shows XX/XX/XXXX but my payment history shows my last payment to be on XX/XX/XXXX. 3. There is a charge off only after a 60 day late in my payment history. 4. The remarks shows paid in full, is the accurate? 5. There is no date of last activity. 6. The close date is inaccurate. 7. The account number is inaccurate. XXXX   report : 1. Shows no payment history, but Transunion do. 2.The Delinquency First Reported date has been re-aged several times lastly to XX/XX/XXXX. How is this account reporting accurately to the CRA 's as claimed by XXXX in customer care?

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