vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-19 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: WA

Complaint narrative:
In the course of applying for a job, I discovered a collection account on my credit file from XXXX and XXXX on behalf of XXXX XXXX XXXX XXXX for an ER visit to XXXX XXXX XXXX XXXX on XX/XX/17, in the amount of {$1200.00}. This report is fraudulent, as I was not in Nevada at the time and have not used any ER services in over 10 years. I did drive through Nevada on XX/XX/17 and XX/XX/17 and used my credit card to purchase gas and food. But I have not been back since. 

I disputed the information several times in XXXX with both TransUnion and XXXX, and after speaking directly to a representative from XXXX and XXXX who confirmed that the report was fraudulent, filed a police report with the XXXX XXXX police. I also sent a letter to XXXX and XXXX formally disputing the debt. They sent back their records, which confirm that the person who went to the ER that day was not me. 

Despite this, both credit bureaus simply rubber stamped the report as correct, every time. So today I spoke to another XXXX and XXXX representative, who again confirmed that it was fraud, and said he would escalate the issue. I then called back TransUnion, who gave me the runaround and eventually hung up on me. This is an outrage, and may have cost me a job because the credit unions, as well as XXXX and XXXX, failed to do theirs.

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 2019-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
Medical Revenue Services has repeatedly harassed me by persisting in calling me both at work and on my mobile after I have told them at least three times that I wish only to be contacted by mail, never by telephone, and they should never call my place of employment. They called me again today, XX/XX/XXXX on my mobile. They called me yesterday at my place of employment, XX/XX/XXXX. I have witnesses ( other employees that answer phone at work ), that they have called repeatedly after being told not to contact me on the telephone. They call my place of employment at least twice a week, and my mobile more often than that. I continue to attempt to block them, but they just call from a different number and continue their harassment. I have asked at least three times to only be contacted in writing at my home address which I have verified with them.

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 2019-07-19 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:
XXXX ; XXXX  and Transunion are reporting incorrectly on the XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) I never authorized this account to be opened ; I never signed these documents ; and consequently my signature was forged. I have attached a copy of the XXXX Retail Installment Contract and Agreement dated XX/XX/2018. I have contacted the ( 3 ) bureaus to have this issue resolved, however I have not been successful. Reporting of this fraudulent account is hurting my credit score and this line item needs to be removed 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 2019-07-19 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:
XXXX ; Experian and XXXX are reporting incorrectly on the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) I never authorized this account to be opened ; I never signed these documents ; and consequently my signature was forged. I have attached a copy of the XXXX Retail Installment Contract and Agreement datedXX/XX/2018. I have contacted the ( 3 ) bureaus to have this issue resolved, however I have not been successful. Reporting of this fraudulent account is hurting my credit score and this line item needs to be removed 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 2019-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: KS

Complaint narrative:
On XX/XX/19 I contacted Medicredit Inc. after my parents called me advising that they received a letter for me. At that point, I contacted your office and recorded the call to figure out what this was about. Please be advised, that I recorded the call and have had a friend of mine who is an attorney in creditors rights listen to it. They have advised that I am entitled to damages for your office violation of the FDCPA. 

In the call, the representative refused to provide validation of the debt to my proper address in TX as well as refused to answer the dispute in writing to my address in TX ( as I advised them they had the wrong address and took no action to get the correct address ). 

Further, when I asked when the collection amount was due she said " its due immediately '' which can be heard in the attached recording. This is a clear violation of the FDCPA as well as case precedence guaranteeing my thirty-day dispute window.

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 2019-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I contacted the Branch Manager in XXXX XXXX, LA ; XXXX XXXX and informed him of my current job status. Informed him that I am struggling to pay the full amount of the loan payments at this time. It would help to lower the payments. He informed that he will proceed with legal actions and wanted confiscate the collateral ; but I informed him that it has been pawned. He informed me it is against the law.. However I needed the funds to stay afloat. He made arrangements for a {$110.00} payment on XX/XX/XXXX. But says he still will pursue legal action.

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 2019-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc.
State: FL

Complaint narrative:
They are calling my place of business and me and my wifes personal cell phone trying to collect a debt my father is. I have nothing to do with it. The name of the company is Account Control Technology

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 2019-07-19 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly ( 90 ) to ( 120 ) days late on the XXXX partial account number ****XXXX-XXXX. ( Please page 9 of the attached credit report. ) My XXXX  XXXX payments were being sent by the State to my ex-wife directly on a monthly basis. There was an accounting error on the States part by not taking out the appropriate amount on my first paycheck and consequently the payments never caught up so there were late charges. I was never notified of this account error, no letters, no telephone calls, no email correspondence, or any attempt to let me know that I was delinquent. I did not know of this delinquency until I filed my taxes. This accounting error was not my fault. I have contacted the two bureaus to fix this, however I have not been successful. This incorrect reporting is harming my credit score and these lates need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: CT

Complaint narrative:
on Friday XX/XX/2019 THEY CALLED AN ALT NUMBER AND LET THE PERSON KNOW THEY NEEDED TO CONTACT ME ABOUT A DEBT, THEY GAVE THE PERSON INFORMATION ABOUT THE CAR AND THE SETTLEMENT AMOUNT THEY WANTED TO MAKE WITH ME, I DID CALL THE COMPANY BACK ONCE THE PERSON TOLD ME ABOUT THE PHONE CALL AND SPOKE TO REPRESENTATIVE AND TOLD HIM ABOUT WHAT HAPPENED AND HE LET ME SPEAK TO THE SUPERVISOR, I TOLD THE SUPERVISOR ABOUT CONVERSATION AND HE SAID HE COULD PULL CALL BECAUSE CALLS ARE MONITORED, BUT THEN HE SAID PERSON WAS DESK AND PUT ME HOLD AND SPOKE TO THEM WHEN HE CAME BACK HE DID SAY REP GAVE INFO TO PERSON THAT HANDLE CALL NOT REALIZING THAT WAS AGAINST THE LAW-I LET SUPERVISOR TO TAKE MY NAME AND ALL NUMBERS ATTACHED TO MY ACCT OF CALLING LIST-THE NAME OF THE COMPANY IS NCB-MANAGEMENT IN XXXX PA-XXXXPLEASE HELP ME IN THIS CASE THAT WILL NOT HAPPEN TO ANOTHER CONSUMER-XXXX XXXX  SUPERVISOR NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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:
XXXX and Transunion are reporting incorrectly ( 90 ) to ( 120 ) days late on the ATTYGENERL partial account number XXXX. ( Please page 9 of the attached credit report. ) My child support payments were being sent by the State to my ex-wife directly on a monthly basis. There was an accounting error on the States part by not taking out the appropriate amount on my first paycheck and consequently the payments never caught up so there were late charges. I was never notified of this account error, no letters, no telephone calls, no email correspondence, or any attempt to let me know that I was delinquent. I did not know of this delinquency until I filed my taxes. This accounting error was not my fault. I have contacted the two bureaus to fix this, however I have not been successful. This incorrect reporting is harming my credit score and these lates need to be removed 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 2019-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
My checking account was overdrawn without my knowledge. The bank called my ex-husband and informed him. 
On XXXX, my ex husband was allowed to close the account without my knowledge and there for forfeiting the ability to recover over draft fees. 
When I discovered the closure I called, waited on hold for an extended period of time just to talk to someone who could not help. When I was transferred I was hung up on. 
I called back, waited on hold for over 10 minutes, again to speak to someone who was unable to help. I was then transferred to a supervisor, then a manager, who told me it would be investigate. 
After being on the phone for over 2 hours, I was continually told there was nothing that could be done to help me. I was interrupted when trying to talk multiple times. Told there was no one hire up to speak too. 

This is a dispute over {$50.00}, that's grocery money for me. I did not authorize the account closure, and I did not receive help fixing the issue.

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 monetary relief
Consumer complaint received 2019-07-19 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: PR

Complaint narrative:
On XX/XX/XXXX, I called to request a new service from XXXX. But, on XX/XX/XXXX I called to cancel the order since I did not recieve the product. Months later, around XXXX, XXXX, it appeared as a delinquent account with a balance of {$97.00}. On XX/XX/XXXX, I called to solve the issue directly with XXXX. It appeared on their notes that I did called to cancel the order, but they did not do it. Nevertheless, they adjusted the balance to XXXX  and notified the undisclosed ( to me ) collection agency. 
The account was pulled out from my credit report, but a year later ( XX/XX/XXXX ) it appeared again as a derogatory account. I filed a dispute with Transunion and before the 30-days investigation period ended and without notification, they closed the dispute and did not solve the problem. They did not inform me of this action. On XX/XX/XXXX, I called Transunion to see what happened but they only said I had to file another dispute, which I did. 
After many calls and tries to XXXX to find the account and any information to supplement the dispute, on XX/XX/XXXX I finally got an answer. The account was archived so that is why it never showed up on calls. The information I was given is as follows : the account was fully cancelled on XX/XX/XXXX, that the balance was adjusted to {$0.00} and that it was reported to the collection agencies, and that the collections agency should have reported this in at least 90 days. But a year after, they reported it as derogatory. There is nothing XXXX can do according to the call since they reported it and it's the collection agency 's fault. But I was not informed which collection agency or how to contact it, and that they canno provide any deletion letter or any other documentation since the account is archived. 
The only thing left is to file complaints and supply letters with information I have collected through this year as evidence. This process has already affected me emotionally and economically since I was denied personal loans offers by two companies and can not apply to others with credit score minimum requirements

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 2019-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I took out a loan for {$8400.00} " around about '' 2 years ago then about a month ago of this year they offered me to skip a monthly payment if i took out another loan so i agreed and asked for a XXXX $ which they denied and said i can get XXXX $ and i agreed to that. What i did not agree with is them Refinancing my loan. In the 2 years i paid XXXX a month and dropped total amount including interest down to around XXXX. That was the total amount left on the account when i took the XXXX $ loan out to skip a month. Now my total account balance is XXXX $ after i made this months payment of XXXX. I did sign new paperwork that i was informed was for the XXXX $ i received and the interest. This will be my first payment on this account since i received the XXXX . I can explain for in depth if needed. 

Thanks, 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 2019-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/19 Portfolio Recovery from XXXX called my home phone per my caller id, but they did not leave a message. I am not sure of the exact time as my caller ID has erased the time. I called them back later in the evening, and asked who they were trying to reach. They asked me for my name, I gave them my first name only explaining I did not feel comfortable giving my full name AND THAT they called my number. I asked them to please tell me who they were trying to reach so I could validate if they were reaching the correct phone? The agent refused and said that I have to give her my FULL NAME to see if I have a debt with them. I explained that I did not have a debt with them and I was calling to let them know that they most likely have the wrong number. I asked to speak with a supervisor at that point. I told her the same thing and she said " By law they can call me ''. I told them to stop calling my number and she continued to speak over me saying " By law they can call me. I told them " BY LAW " if they can not tell me who they are trying to reach and I tell them to STOP CALLING my number, than they have to stop calling me. I terminated the call. I did not give them my last name only my first name. I did explain to them that I receive calls asking for people I do not know and do not reside with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: IL

Complaint narrative:
I applied for a loan modification end of XX/XX/2019. I was informed via a letter that STATEBRIDGE had a complete package and in 30 days I would receive an answer. I did not receive ANY ANSWER from them. 

Furthermore, I called onXX/XX/2019, I was told to send an email to loss mitigation. I sent the email and received no answer. On XX/XX/2019, I spoke to XXXX, still no information available to me, and no answer. 

The woman who is working on my file is XXXX. She has put no notations on my file, so I can not obtain any information. Furthermore, XXXX says well your current on your mortgage. What difference does that make if I need assistance?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: WA

Complaint narrative:
In the course of applying for a job, I discovered a collection account on my credit file from XXXX XXXX   XXXX on behalf of XXXX XXXX XXXX XXXX for an ER visit to XXXX XXXX XXXX XXXX on XX/XX/17, in the amount of {$1200.00}. This report is fraudulent, as I was not in Nevada at the time and have not used any ER services in over 10 years. I did drive through Nevada on XX/XX/17 and XXXX and used my credit card to purchase gas and food. But I have not been back since. 

I disputed the information several times in XXXX with both XXXX and XXXX, and after speaking directly to a representative from XXXX XXXX XXXX who confirmed that the report was fraudulent, filed a police report with the XXXX XXXX police. I also sent a letter to XXXX XXXX XXXX formally disputing the debt. They sent back their records, which confirm that the person who went to the ER that day was not me. 

Despite this, both credit bureaus simply rubber stamped the report as correct, every time. So today I spoke to another XXXX XXXX  XXXX representative, who again confirmed that it was fraud, and said he would escalate the issue. I then called back XXXX, who gave me the runaround and eventually hung up on me. This is an outrage, and may have cost me a job because the credit unions, as well as XXXX XXXX XXXX, failed to do theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: WA

Complaint narrative:
In the course of applying for a job, I discovered a collection account on my credit file from XXXX and XXXX on behalf of XXXX XXXX XXXX XXXX for an ER visit to XXXX XXXX XXXX XXXX on XX/XX/17, in the amount of {$1200.00}. This report is fraudulent, as I was not in Nevada at the time and have not used any ER services in over 10 years. I did drive through Nevada  on XX/XX/17 and XX/XX/17 and used my credit card to purchase gas and food. But I have not been back since. 

I disputed the information several times in XXXX with both XXXX and Experian, and after speaking directly to a representative from XXXX and XXXX who confirmed that the report was fraudulent, filed a police report with the XXXX XXXX police. I also sent a letter to XXXX and XXXX formally disputing the debt. They sent back their records, which confirm that the person who went to the ER that day was not me. 

Despite this, both credit bureaus simply rubber stamped the report as correct, every time. So today I spoke to another XXXX and XXXX representative, who again confirmed that it was fraud, and said he would escalate the issue. I then called back XXXX, who gave me the runaround and eventually hung up on me. This is an outrage, and may have cost me a job because the credit unions, as well as XXXX and XXXX, failed to do theirs.

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