vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-20 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: TX

Complaint narrative:
This issue is an on going issue and is physically and mentally draining. TransUnion is not impartial. XXXX XXXX was allowed this year to report each month a late payment so that it shows up on my credit report as late payments. That account was closed as of 2016 how can they report as late? Additionally Transunion allowed a {$290.00} false charge to remain on my credit for over a year. After I again sent prove it was incorrect they deleted the items. When an item is deleted Transunion is not crediting my credit report with increased FICO scores. The deleted account should be applicable with a score to match. Transunion allowed XXXX XXXX to delete my mortgage history almost two years ago thereby lowering my credit score. An erroneous medical debt for approximately {$800.00} was removed two weeks ago, they did not increase my score. They should be investigated. They removed an invalid collections item from XXXX and never increased my credit score. So it is situation after situation, where they do not do what is right for the consumer but rather big business. Check my credit history what I am stating should be easily be verified.

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 2020-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: MN

Complaint narrative:
Today, XX/XX/2020, a lady came to my home to serve me with papers for a lawsuit from Cavalry SPV I , LLC. The reason for my complaint is because she came to my home where myself, my elderly parents and my XXXX children reside. My parents both have underlying health issues and are both over age XXXX so high risk for covid 19. My youngest child age XXXX months has a XXXX  XXXX XXXX  and is high risk for covid 19. I am afraid this lady may have put my family and I at an unnecessary risk during the covid 19 pandemic. She was wearing a mask but came closer than the social distancing measure of 6ft to me and I had to touch the pen and clipboard to sign for the papers. I already have had XXXX XXXX over the covid 19 pandemic and my parents being elderly and having pre-existing conditions but mostly my XXXX XXXX old daughter XXXX XXXX and her XXXX  XXXX XXXX. This could have waited until the pandemic is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, while attempting to do an Early Access loan against a future Direct Deposit, Fifth Third bank took the amount I borrowed ( {$60.00} ) from my checking account and applied it to a credit card they claimed I had back in 2006. I have never received any paperwork with regarding to this account. In fact, I do not remember having such an account back in 2006 ; 14 years ago. Supposedly, the number of the account ends in XXXX. 
I do not owe Fifth Third any money and I believe their action is fraudulent. Afterall, if the cost is legitimate, why did it take 14 years to deal with it ; and then, only when I do an Early Acess to pay for my prescriptions. Frankly, I do not even recall having such a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Today, XX/XX/2020, a lady came to my home to serve me with papers for a lawsuit from XXXX XXXX I, XXXX. The reason for my complaint is because she came to my home where myself, my elderly parents and my XXXX children reside. My parents both have underlying health issues and are both over age XXXX so high risk for covid 19. My youngest child age XXXX XXXX has a XXXX  XXXX XXXX  and is high risk for covid 19. I am afraid this lady may have put my family and I at an unnecessary risk during the covid 19 pandemic. She was wearing a mask but came closer than the social distancing measure of 6ft to me and I had to touch the pen and clipboard to sign for the papers. I already have had XXXX XXXX over the covid 19 pandemic and my parents being elderly and having pre-existing conditions but mostly my XXXX XXXX old daughter XXXX XXXX and her XXXX  XXXX XXXX. This could have waited until the pandemic is over.

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 2020-06-20 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: CA

Complaint narrative:
Today, XX/XX/2020 at XXXX ( pst ), I contacted Equifax XXXX and it was a bad connection, because the representative was in XXXX XXXX and she could not understand me, however, I mentioned she was around of people. Then she insisted on informing me that she was alone, and I could here laughter, different conversations. At this point I requested for her name, she provided and spelled her name XXXX. I do not know if this is truly her name, because she continually lied, in fact another woman, would begin speaking to me, that was around XXXX, meaning it was not a transfer, it is someone who was sitting beside her. Equifax is notorious for having data breaches, and I must admit, I do not understand why Equifax continues to hire non-Americans to handle Americans most secure information? The phone call lasted approximately lasted 10 minutes, because of XXXX 's refusal to disconnect the call, probably out of fear of the rating. However, eventually I did rate the call and leave a voice message stating the reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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:
I need to link my account with different creditors for proof of funds depositing to and from account and this has been restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Ambulance was called by another party while ill. Medical care was not necessary, was not given a choice in the matter. Privately owned ambulance service able to charge outrageous amounts with no oversight from hospital, acting without cause and confirming no information about patient at scene outside of methods to charge money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
eqafax shows XXXX on XXXX XXXX, but when i apply for cr on a XXXX XXXX it came back XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I reached out to XXXX XXXX XXXX ( owner of XXXX XXXX XXXX ) to ask the TOTAL payoff amount of my Acct # XXXX. The original debtor was for an Ann Taylor credit card account. Associate on the phone advised me ; " the total payoff amount TODAY is {$240.00}. '' I paid that exactly that amount by phone on XX/XX/XXXX. 

Yet today ( XX/XX/XXXX ) I received a letter stating the {$240.00} I paid was the " 1st installment in a payment arrangement. '' This is inconsistent with what I was told by telephone. So despite my paying this account in full, I find myself being extorted for another payment in the same amount ( much more than the original debt ). And the company has not even posted the payment I made to the credit bureaus. When I made the settlement payment I asked the associate when would a letter be sent to me confirming the paid off status so I can submit it to the credit bureaus. She stated " we have already posted paid off 's for this month, and will not post again until next month. It won't be reported to the credit bureaus until then. '' It has already been one month, and my paid off status has not been reported to the bureaus. The demand for a second payment is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
In XX/XX/XXXX I had a XXXX  XXXX XXXX so I was in the hospital for a week then went through XXXX  etc. Then the hospital bills came, I had to fight every step of the way to get my insurance to pay. I resubmitted everything probably 3x and was left with a bill of {$15000.00} that I paid. But there was a seperate bill from the XXXX  dept that was missed {$1500.00}. I made a {$250.00} payment on this on XX/XX/XXXX and was looking to pay off in a couple weeks. Then the corona virus hit and XXXX XXXX was shut down like all other businesses in the state. We were able to do take out so I called Commercial Acceptance to pay the balance of {$1200.00} and gave XXXX XXXX ( scammer ) there account # XXXX. She said that I owed {$1600.00} now that more stuff was added on my bill. It didn't make sense cause the put it on my credit report as {$1200.00} that brought my score to XXXX from a XXXX. XXXX XXXX ( probably not her name ) said it would be taken off my credit report if I paid on XX/XX/XXXX! It was never taken off so I missed out on getting the loan we needed to get outside seating for the bar requirement. On XX/XX/XXXX I receive a letter from XXXX XXXX  for Final Notice for another {$1200.00}! I called they didn't know what happened called me back a hour later and said I still owed this the {$1600.00} Went to a hospital bill that was settled in XXXX and was already removed from my credit reports over 4 years ago. She lied and scammed me out of this money and delayed our timeline on construction that is a estimated loss of {$45000.00} cause my credit report was not fixed. So they bullied me into paying another {$1200.00} on XX/XX/XXXX. I recorded all phone calls and have all canceled checks. I called XXXX Hospital today and they said I was at a {$0.00} Balance for XXXX XXXX XXXX so the {$1600.00} was just pocketed by Commercial Acceptance. This debt was paid in full when I called XXXX hospital they said XXXX was at a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
have no knowledge of this medical debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Opened a Chase Checking account just about a week ago. The next week it closed and they have not even sent my debit card yet. I had a total of $ XXXX deposited in the account and it was just closed without prior notice. I need to pay my bills and need to buy food. I don't have access to MY money. This act of Chase should be illegal. I never write complaints to companies or any reviews but this is actually my first because this is outrageous. DO NOT bank with chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: DE

Complaint narrative:
On Friday XX/XX/XXXX when I checked my credit report I saw a medical collection of from XXXX XXXX placed by Tek Collect Inc. I have never received services from XXXX XXXX and when I reached out to Tek Collect via phone they said in order for me remove this negative marker from my credit report I have to send them a XXXX  of the amount. 
I informed them that this is not my account and they have never sent me any documentation in regards to the debt. They provided me an address where they said that a letter was mailed to which doesn't belong to me. They still said that I will have to pay them to delete the negative marker from my credit report which is unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NATIONAL CREDIT ADJUSTERS is actively/fraudulently reporting to XXXX  & the credit agencies a debt that I do not owe. NATIONAL CREDIT ADJUSTERS purchased a CLOSED collection account from XXXX XXXX. XXXX XXXX reported the closed account balance as {$1500.00} before selling/ transferring the account to NATIONAL CREDIT ADJUSTERS ... NATIONAL CREDIT ADJUSTERS has now duplicated the original CLOSED XXXX XXXX ACCOUNT # XXXX And reported this 5 year old closed duplicated XXXX XXXX account to XXXX  as a new/recent collection account. This is a blatant credit reporting of misinformation. NATIONAL CREDIT ADJUSTERS is Knowingly.willfully and recklessly reporting false information to purposely damage my credit. REPORTING LATE PAYMENTS ON A CLOSED ACCOUNT IS A VIOLATION. NATIONAL CREDIT ADJUSTERS REPORTING THAT {$1500.00} IS PAST DUE -IS A VIOLATION. ONLY THE ORIGINAL OWNER MAY REPORT A BALANCE. NATIONAL CREDIT ADJUSTERS RE-AGING THE ACCOUNT IS A ABSOLUTE VIOLATION. NATIONAL CREDIT ADJUSTERS PURPOSELY REPORTING INACCURATE INFORMATION TO DAMAGE MY CREDIT is also a violation. I will not allow NATIONAL CREDIT ADJUSTERS to use these illegal bullying practices against me. I will share my concerns with the Texas Governor in a written complaint along with recording a complaint with CFPB. I hope to save other unsuspecting consumers from silently endearing this illegal coercion and bullying tactic from NATIONAL CREDIT ADJUSTERS. I will pursue my rights to hold NATIONAL CREDIT ADJUSTERS accountable for the companies deceptive malicious tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been told by a company that I am trying to buy a car from called XXXX that a security freeze exists that I did not request. Experian will not answer any phone numbers that exist for consumers. I have overnighted mail, emailed, and tried their online requests that ultimately tell me to call them. They will not answer so that is insane! 

I am being personally harmed by them and I have no recourse to try and get them to help without I guess hiring an Attorney and suing them. I just want the freeze lifted so that I can buy a car. This is not quite a lot to ask. However I can not get a person to ask. 

Your help would be greatly appreciated. 

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 non-monetary relief
Consumer complaint received 2020-06-20 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

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

I demand the original Consumer Contract with my Signature on it or remove these accounts immediately. 

1. XXXX XXXX XXXX  Account number XXXX This is the response EXPERIAN has give me : Results Report Number : XXXX Date Generated : XX/XX/2020 XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

I HAVE NOT ASK EXPERIAN to verify the information on my credit report. I am requesting the original Consumer Contract with my Signature on. 

When I tried to tell EXPERIAN waht I want this is what there website said : XXXX XXXX XXXX Other reason Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. 

I am demanding that this account be removed from my credit report if EXPERIAN can not provide me with the original Consumer Contract with my Signature on.

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 2020-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: C B Merchant Services
State: CA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I received a phone call from this Debt collector claiming that I have and outstanding debt, I received the same calls from a different last year, but with different phone numbers, on XX/XX/XXXX, The first message I received on my Landline, The message said this was for me, and the person leaving the message did not Identify where he was calling from, he left a message saying : We would love to bring your account current. Take advantage of the Clients 50 % your balance today. This message was received on XX/XX/XXXX @ XXXX and XXXX XXXX. The other messages were left on my Cell phone, It was a Lady calling from CB MERCHANT SERVICES. She didn't say who she was asking for. Just left a message this is from a Debt Collector, and to call XXXX or XXXX. How do I know if the person calling me is same person from the Debt collect she saying she's calling from. This is HARRASSMENT! I want this to stop. I don't have any outstanding debt. I haven't received any letters, so I know this is a SCAM I will not contact them. Why are they contacting me again after a year?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
Repeatedly called my job. Repeatedly called my references. Calls me numerous times a day starting at XXXX. 
I asked them to stop calling my job and they continued and then a representative named XXXX called my job threatening legal action and demanding to speak to my manager. 
I spoke with the manager at this location ... Covenington Credit in XXXX XXXX Al XXXX ... and told her everything and asked that they not call my job or references. Told her it feels like I'm being harrassed because I missed a {$99.00} payment when my hours were cut at work. She assured me they wouldn't contact me at work or my references. Then the numerous harassing phone calls started. It has gotten so bad that I blocked them from calling. My phone won't ring but they still get my voicemail. Yesterday they started at XXXX XXXX. Last week it was at XXXX. 

I want them to follow guidelines and asked them to do so and yet they still continue. I don't know what else to do. I am doing side jobs to try and earn the money to pay them. They will not do any type of arrangement during pandemic shut down because I was employed no matter that my hours were cut drastically. I am no longer employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
In order to view balances, tax documents etc with Penny Mac, one must register for an account. Part of the account registration process is to provide one 's cell phone number ( landline is not accepted ) and consent to receiving telemarketing calls from Penny Mac. The following it how the consent is worded ( copied/pasted from Penny Mac webpage ) " Communications Consent : By clicking the Submit button, I agree that I am providing an electronic signature authorizing PennyMac Loan Services , LLC and its agents ( PennyMac ) to contact me for telemarketing and informational purposes at the telephone number provided, even if I have previously registered on a corporate, state or national Do Not Call registry. I have authority to provide this consent because I am the subscriber of the telephone number or I am a customary user who has authority to consent to these communications. I also agree that PennyMac may contact me using an automatic telephone dialing system or an artificial or prerecorded message, or text messages, even if the number is connected to a service for which I am charged. I understand that I am not required to provide consent as a condition of loan consideration or approval. '' In conclusion, the only way one can manage one 's mortgage, view statements and tax statements with Penny Mac online is if one consents to Penny Mac 's telemarketing strategies. This is unethical.

Thank you for your attention to this matter. 
Kind regards,

Company response to consumer: Closed with explanation