vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: NJ

Complaint narrative:
RECEIVABLE MGMT GROUP ( XXXX XXXX XXXX ) {$330.00}. i disputed this account requesting THE VALIDATION to this account and all document that this company have to send me to validated this account. i never received any document from this company. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine.

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 2020-06-18 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: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Because of the corona going on through out the country, I lost my job and do not know when I will be going back to work yet. I called the company Acima Credit and explain to them that until I was able to return to work I would not be able to keep up the payments on the 2 lease accounts I have with them. They did not want to listen to what I was saying, just kept telling me to pay or the would come get their property. I offered to pay them alittle instead of the full payment, They refused. Told me they want full payments and the system they have will not take allow partial payments. I call them again today XX/XX/2020 because they filed late payments on my credit report. I fell as if I did all I could to work with this company. They did not want to help at all wanted full payment or nothing. I offered many times to make smaller payments until this covid issue was over. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 — Investigation took more than 30 days
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Hello, B.E.C.U. Credit Union appears to be conducting unfair business practices in the final payment process. I had an unpaid balance of XXXX cents and was unable to pay over the phone or in person at the bank itself and had to wait for regular mail for the final bill. Once received the bill was promptly paid however due to their inability to take a payment other than by mail has made this XXXX cent payment late and severely affected my credit score and they will not remove it. This loan was paid on time for 3 years and paid off 2 years early and I have tried to work with them to get this removed and would like your help please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I noticed a charge on my card from XX/XX/2020 for {$240.00}. I noticed it in XXXX and immediately called Capital one. I filed a dispute and receive a letter dated XX/XX/2020z the letter stated that the charge was not fraud because the card was used after the date I report it lost or stolen. The last transaction on my card account was the transaction in question. When I called to dispute the letter, I was told there was nothing that could be done because they did not find any fraud. I did not purchase anything after XX/XX/2020. I should not be held responsible for this charge. I feel like my credit card so pant let me down. I refuse to pay for something I did not purchase. Where do I go from here?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MEDICAL BUSINESS CONSULTANTS, INC
State: FL

Complaint narrative:
I WAS A PATIENT AT XXXX XXXX XXXX XXXX   THEY SUBMITTED THERE BILL TO MY INSURANCE COMPANY, WHICH IS XXXX XXXX XXXX  XXXX, THE INSURANCE COMPANY PAID THE BILL. I INFORMED THEM THAT THEY NEED TO CALL THE INSURANCE COMPANY SINCE XXXX INFORMED ME THEY SENT THEM 2 CHECKS ONE FOR XXXX AND ONE FOR XXXX THAT HAVE NOT BEEN CASHED AS OF THIS DATE. FROM XXXX INSTEAD IT WAS SENT TO A COLLECTION COMPANY MEDICAL BUSINESS CONSULT OF XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX ( XXXX ) XXXX ADDITIONALLY I AM ALLOWED UNDER HIPPA LAW ( HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ) TO PROTECT MY PRIVACY AND MEDICAL RECORDS FROM THRID PARTIES I DID NOT GIVE XXXX XXXX XXXX XXXX AUTHORIZATION FROM HIPPA TO RELEASE MY MEDICL INFORMATION TO A DEBT COLLECTOR. I CALLED THE COLLECTION COMPANY WHO WILL NOT COMPROMISE NOR WILL THEY REACH OUT TO THE INSURANCE COMPANY INSTEAD THEY KEEP LISTING THIS MEDICAL DEBT ON MY XXXX AND XXXX I   WOULD LIKE TO RESOLVE THIS MATTER AS QUICK AS POSSIBLE WITH THE OUTCOME BEING PAID IN FULL AND DELETION OF NEGATIVE ITEM 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 2020-06-18 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: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. 
Company Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This has been harrowing since today ( XX/XX/2020 ). I've downloaded the app XXXX, and tried to get an advance on my next check, however the app isn't connecting through my bank ( PNC ) which makes it difficult to receive the advance. It'd really help if i could be able to connect those type of apps too my bank just as a cushion to help with further expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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:
I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, I asked on multiple occasions that XXXX and XXXX AND TransUnion provide ALL THREE of the following : 1. The description of the procedure used to determine the accuracy and completeness of the information. 
2. Name, address, and telephone number of each person contacted regarding this alleged account. 
3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them XXXX XXXX XXXX XXXX ) the exact amount claimed. 

Unfortunately, they never provided me with this information that I requested, specifically asking HOW they validated this debt. Instead, they keep adding this account to my credit report preventing me from improving my credit report among other financial obligations that I have and am trying to obtain. 

The dates that I sent letters regarding this instance are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are claiming I owe XXXX and XXXX {$170.00} and reporting on my account, " meets FCRA requirements. '' No, it does not. It can't meet FCRA requirements if you can't validate the debt and show proof. 

If I am not mistaking, the FCRA requires that ALL data reported on a consumer must meet 3 very specific criteria : it must be 100 % accurate, 100 % verifiable and 100 % timely. Since they failed to provide me the information I requested, this is not 100 % verifiable and my credit report and character is being played with.

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 2020-06-18 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: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. 
Company Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX. 
Company Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Im trying to do an AHC transfer to invest in a private company, and they havent received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
Our XXXX pontoon boat loan was sold to Santander Consumer Services. We paid the boat off on XX/XX/XXXX. Got the pay off paperwork and a letter telling us they lost our title and we need to go absorb the cost of the replacement. When I called them they have told us for 2 months now they will get the title and they have yet to apply for our title with the state to begin with. So the papers the present to us would do us no good as they never applied for the title. They also told us it was the state that just didn't send them the title when they then admit they never applied for it. We need the title for our records if we ever decide to sale the vessel.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SinglePoint GI
State: FL

Complaint narrative:
This collection account is not mines. I asked for Verification that there is a valid basis for claiming I am required to pay the current amount owed from the collection company to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had my credit ran today XX/XX/20 because I'm trying to refinance my house but I was unable to do so because there is an account from XXXX XXXX for an amount of {$1200.00} in negative standing appearing on my credit. This account does not belong to me and I never allowed anyone to open this account in my name. I do not have any written/verbal contract with this company nor did I benefit anything from this account such as money, goods, services or any other benefit and I never made payments towards this account. I am not affiliated to this company in any way and I have never authorized them to run/access my credit. I have already filed a police report regarding this suspicious account in hopes of getting it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit is attempting to collect on a debt of {$11000.00} that does not exist.since XXXX. 
Midland Credit has served papers in a XXXX XXXX Court in an attempt to sue for debt that was settled and removed by original creditor I've attached the original complaint/request from XX/XX/XXXX advising this company was illegally reporting a debt that was not valid and they have continued to defame and violate FRCA laws without consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: VA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: GA

Complaint narrative:
There are several incorrect items that are reporting on my credit file : Incorrect Address information : XXXX XXXX XXXX - ( XXXX ) XXXX XXXX ( XXXX and Experian ) XXXX XXXX XXXX ( Experian ) The following items are reporting in error or as a result of identity theft : XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX Bal. {$620.00} ( XXXX, XXXX, and Experian ) XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX Bal. {$290.00} ( XXXX and Experian ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Bal. XXXX ( Experian )

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 2020-06-18 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
ABUSE OF POWER. FORCED LIFETIME MEMBERSHIP. Where credit cards opened & payments made using members Undeletable Profile. USAA. PROVIDES NO DELETE POLICY. See attatched XXXX Credit Report USAA Account ( XXXX XXXX ) opened XX/XX/XXXX date closed XX/XX/XXXX IS ALL INCORRECT. See attatched XXXX Account ( XXXX XXXX ) DEBT DISCHARGED CANCELLATION DEBT XXXXWHY DID ACCOUNT NUMBERS CHANGE? ALL DATES INCORRECT? THESE ARE THE SAME ACCOUNTS WITH ( XXXX ) BEGINNING & ( XXXX )?? OR IS IT see attatched USAA MC statement XX/XX/XXXX with {$100.00}?? DELIQUENT. beginning ( XXXX ) See attatched USAA XX/XX/XXXX CREDIT CARD ( XXXX )?? ACCOUNTS KEEP CHANGING NUMBERS?? end XXXX DID NOT SETTLE UNTIL XX/XX/XXXX.?? Kindly Note XXXX  Credit Report has USAA Account ( XXXX )?? DELIQUENT ALSO.see attatched CREDIT CARD FRAUD CLAIM OF XX/XX/XXXX UNAUTHIRIZED TRANSACTIONS {$470.00} VISA ending XXXX. USAA OPENED A VISA XXXX I DID NOT AUTHORIZE. A MC XXXX I DID NOT AUTHORIZE. USAA USED MY PRIVATE PROFILE DATA TO OPEN THESE TWO ACCOUNTS & POST A PAYMENT XX/XX/XXXX I DID NOT AUTHORIZE USING MY PRIVATE PROFILE DATA. USAA REFUSES TO DELETE MY PROFILE CLAIMING I AM A LIFETIME MEMBER. HOW CAN THEY HOLD MY PRIVATE DATA AGAINST MY WILL TIL DEATH DO US PART? ( *ABUSE OF POWER. * )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had my credit ran today XX/XX/20 because I'm trying to refinance my house but I was unable to do so because there is an account from XXXX XXXX for an amount of {$1200.00} in negative standing appearing on my credit. This account does not belong to me and I never allowed anyone to open this account in my name. I do not have any written/verbal contract with this company nor did I benefit anything from this account such as money, goods, services or any other benefit and I never made payments towards this account. I am not affiliated to this company in any way and I have never authorized them to run/access my credit. I have already filed a police report regarding this suspicious account in hopes of getting it resolved.

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