vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Congress Collection XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. 
Had Knowingly and intentionally posted false negative information on my credit report, that FALSE information had impacted my credit score claiming that I owe the amount {$320.00} to a company named XXXX  XXXX XXXX XXXX, which I had never had any business with or ever contacted in my life. 
I called Congress Collection, spoke to XXXX 's account manager, who and requested this issue to be resolved. 
Congress Collection has Just been taking me in circles to force me to pay for something I do not even owe. When I asked XXXX for details, her answer was always, I don't know, that's all I have. Account Name : CONGRESS COLLECTION Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Status Collection account. {$320.00} PAST due as of XX/XX/XXXX. Status Updated XX/XX/XXXX. 

This is violating my FCA rights, and under FCA I'm entitled to every single document prior to posting any negative item to my credit report, notwithstanding the fact that due to the COVID-19 epidemic, creditors are required to be more careful about verifying information prior to reporting delinquent incidents to credit bureaus. 


Congress Collection assuming that all they have to do is mail you a statement and you will pay immediately, no need to know who you owe what and why which is a clear violation of consumer rights to receive enough explanation about the charges. 

This was clearly an error from the XXXX  XXXX XXXX XXXX, who solicited my information from XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Upon noticing that an account XXXX XXXX XXXX was reporting erroneously on my credit report, I sent letters to all three Credit Bureaus. I also emailed XXXX XXXX XXXX and sent letters to them. 
XXXX XXXX XXXXnd Equifax all " updated '' this account by deleting payment history but left it in a Derogatory Status without ever providing proof of validation. At the same time, the email responses from the CEO of XXXX XXXX XXXX and an account manager stated no account could be found in my name. Therefore, all three credit bureaus are in violation of the FCRA. I have sent all three Credit Bureaus copies of above mentioned emails with zero results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Upon noticing that an account XXXX XXXX XXXX was reporting erroneously on my credit report, I sent letters to all three Credit Bureaus. I also emailed XXXX XXXX XXXX and sent letters to them. 
Experian, XXXX  and XXXX  all " updated '' this account by deleting payment history but left it in a Derogatory Status without ever providing proof of validation. At the same time, the email responses from the CEO of XXXX XXXX XXXX and an account manager stated no account could be found in my name. Therefore, all three credit bureaus are in violation of the FCRA. I have sent all three Credit Bureaus copies of above mentioned emails with zero results.

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 2021-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: NJ

Complaint narrative:
This company has been calling my work, and home. Niw sending latters. I told them its not mines. Now the threatened to ruin my credit. Im filing a complaint and want this removed from my credit reports. 

ENHANCED RECOVERY COMPAN reported a New Account to your XXXX  credit file. 
Source : XXXX  Company : ENHANCED RECOVERY COMPAN Address : XXXX XXXX XXXX, XXXX, FL XXXX Business Type : XXXX Balance : {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc.
State: TN

Complaint narrative:
I have a judgement from XXXX XXXX XXXX on my credit that was paid in 2018 in full {$210.00} I have reached out to the XXXX XXXX and the collections agency and they confirmed the balance is paid in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
On XX/XX/2021, I received a notification from XXXX  regarding a collection on my credit report. After reviewing the report I saw that a collection agency name Enhanced Recovery CO L placed a fraud account on my credit file. I have notified XXXX XXXX XXXX from 2 years ago that this account does not belong to me. I have submitted several fraud documents and sent back to XXXX XXXX XXXX regarding this account. I call ENHANCED RECOVERY CO L and spoke with a gentle man who said his name was XXXX XXXX ID number XXXX. I explain to him that this account was a fraud account and they need to removed it from my credit file. XXXX XXXX stated that they will not removed it nor with they validate the account. Federal law gives you the right to request a debt collector provide proof that you owe a debt. 2 It's the best way to ensure that you're not paying a debt you don't owe or a debt that the collector isn't authorized to collect on. ENHANCED RECOVERY CO L employee XXXX XXXX does not seems to feel that way. I am requesting ENHANCED RECOVERY CO L to immediately removed the fraud account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2021 I contacted XXXX  on XX/XX/2021 and attempted to a purchase a product call credit monitoring service. I spoke to the representative and explained to him that I wanted to purchase the product for {$19.00}. The representative requested my banking information. I provided my JP Morgan Banking information. He stated it did not go through. He then placed me on hold. He returned and attempted to charged my card again. He stated again that it did not go through. The call disconnected. I call back and spoke with a different representative. He also attempted to charge my card for {$19.00}. it did not go through. I then checked my account and saw that XXXX  had placed 22 pending holds on my card for one failed purchase for {$19.00}. My problem is Chase Bank never attempted to warn me that the merchant was placing multiple hold charges on my account in such a short period of time. On XX/XX/2021 I am requesting that JP Morgan Chase Bank Immediately upon receipt of this complaint release back into my available balance the 22 pending unauthorized holds totaling {$430.00}. I have bills that, that money was budgeted to pay. I have tried several times to reason with the banking representatives at Chase bank. I had no idea that the Merchant was placing 22 pending holds on my account for one authorized charge or purchase for {$19.00}. Chase bank never alerted or warned me of the additional multiple pending charges. I am requesting that Chase Bank Temporarily release all 22 pending holds back into my account while they investigate this claim, so i can get on with my life. This is financially hurting my life and my needs for providing my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services
State: NV

Complaint narrative:
I have asked this company for over a year to send me information regarding this debt. They only have sent an invoice with my name on it. I have stated several times this account is not mine. I have asked for an address, social security number anything that would help me figure out what's going on. They have never sent any information linking me to this account, my next step will be to sue this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST HERITAGE CREDIT LLC
State: AL

Complaint narrative:
They called and left a voicemail saying that I needed to call them about my account that is due and I share my voicemail with my boyfriend.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : Bank of America is maliciously and intentionally placing false information onto my credit files, with the intent of destroying my credit rating. 

Bank of America has placed a charged off debt balance in the amount of {$770.00} onto my credit files, a debt that they know that I did not run up. 

The fraudulent balance that Bank of America is reporting to the credit bureaus regarding said account, they ran that balance up themselves, with false usury charges, and fees. 

I have had no dealings with Bank of America since around XXXX of XXXX, the status data information that they are showing on my credit files, is all false made up information. 

As previously stated, I have had no dealings with Bank of America since XXXX of XXXX, and by what the copy of my credit file that I have provided to you is showing, the information as how they have it reflecting in the ( Payment history XXXX on my credit file, is all falsified. 

Bank of America is wrongfully slandering my credit, they are falsely listing as though I had dealings with them in XXXX. 

And in the ( Status ) at the top right hand corner of my credit file, you will see that Bank of America is claiming that I had a charged off account with them as of XX/XX/XXXX, and that is a lie. 

Last year there were many phone calls that were made to my cell phone, by a debt collector that did not verify this debt, prior to constantly calling and harassing me. 

I did not know why this person kept calling me, I later found out on my own, who they were after I had complained, and I learned that they were calling for Bank of America, regarding this credit card account.

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 2021-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: NV

Complaint narrative:
Complaint already filed in regards to USBank access to mobile banking. They closed it stating that they locked my out on XX/XX/XXXX and after complaining open it XX/XX/XXXX. On the date I was able to get in line. The very next day again and still of of today XX/XX/XXXX I still can not gain access on mobile app. I have not used a VPN since this date. Why I am still getting the message there is a problem on our end. It shouldnt last long so please try again shortly. I reported no fraud and have not had fraud yet they decided to lock out my accounts. I am begging to have my access to my accounts. This is not right. 

Thanks 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 2021-04-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reached out to the 3 credit bureaus because there is information on my credit report that is inaccurate. 

There are several names and addresses on my report that are not mine. 

There are also 3 accounts on my report that do not belong to me ( XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX I have filed several disputes regarding these matters and have not received a resolution. Having incorrect names and addresses associated with my public record makes me susceptible to identity theft. 

Please help in having these items removed from my credit report immediately.

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 2021-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I submitted a complaint and this was the response send to CFPB. It shows I'm sending payments but it shows how the loans have never adjusted in amounts in years. I want a statement of account showing payments and how they affect the loan amount. How can someone pay money monthly for a decade and still have the final balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AL

Complaint narrative:
This letter confirms I was eligible when I applied for student loan forgiveness in XX/XX/XXXX and wrongfully denied XXXX times XXXX dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). The letter states I was eligible in XX/XX/XXXX. It also confirms I am XXXX payments over the XXXX required payments. Hence we are in XX/XX/XXXX and seven months ago I qualified for forgiveness. I could be done with this process had I been approved for forgiveness in XXXX XXXX when I first applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello I am writing this email in regards to an incident that happen on XXXX XXXX. I deposited {$1000.00} into a Bank of America ATM located at XXXX XXXX XXXX XXXX XXXX, TX XXXX Drive thru, the ATM had taken my funds, and didn't put it into my account, but it did print out a receipt that states " We apologize for the inconvenience. We are unable to process your request and can not return your items. Please contact our Electronic Claims team at XXXX to discuss this transaction. I went into the bank on XX/XX/XXXX and they said they couldn't do anything for me, and I would have to just call the number that it said call. So I called and put in a claim and my funds were credited to my account, and this was on XX/XX/XXXX. On XX/XX/XXXX the claims Department stated they were successful in locating the original transaction, but they didn't locate the cash, so the credit that they had put on my account will be taking back from me. So I had the claim researched again. The claims department now states that they found the funds XXXX but only partial XXXX {$550.00} XXXX, and that the other {$460.00} will be debited from me on XXXX/XXXX/XXXX. I just find this very strange that at 1st they stated they could not find the funds and now they found it but only half of it, my question is what happen to the {$460.00} that they started they could not find. I have been a customer of Bank of America for over 10 years I have never had a problem with Bank of America. 

XXXX XXXX, in the claims department stated he was going to call me back on XX/XX/XXXX and, still haven't reached back out to me about my claim.

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 2021-04-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Quicken Loans is discriminating against people who were on a forebarrance due to COVID19 financial hardship. Due to errors made by XXXX XXXX, they are using this as a means to deny my application. I have excellent credit and this is absolutely ridiculous. XXXX XXXX explained to the mortgage associate what the circumstances were, but XXXX  went forward with cancelling my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2021, I received an offer from Chase bank for a cash advance without interest. The advertising does not explicitly state that Chase will charge percentage fees. After I wrote the check to myself, chase charged me a {$180.00} fee. I called chase and offered to return the money. But they have refused to refund the {$180.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: FL

Complaint narrative:
Obviously, these accounts are not mine, and I do not want to accept their existence in my credit profile. SO please check these accounts on any error or identity theft or bad reporting and release me from them - Delete them all.

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 2021-04-21 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: FL

Complaint narrative:
Obviously, these accounts are not mine, and I do not want to accept their existence in my credit profile. SO please check these accounts on any error or identity theft or bad reporting and release me from them - Delete them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings
State: MD

Complaint narrative:
i got a email from XXXX about a debt i know nothing about threatening lawsuit and other action they listed old info but did have my ssn so that worries me. not sure what action can be taken to stop this, i'm sure they trick some people into it and just want others to be aware

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Berndt & Associates, P.C.
State: MI

Complaint narrative:
There was a debt that they filed a judgement for in 2014. After my wages were garnished and the balance reached {$0.00} in 2014, a Satisfaction of Judgement was not filed. When I reached out to the company today I was given a letter that appears that makes it appear as the payment has just now been paid in full and does not indicate that this was paid in full in 2014. 

For my career I need a Satisfaction of Judgement and the correct date that the debt was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I went onto my XXXX on my account and I am see a lot of inaccurate information on my report that needs to be removed due to the fact that it is hurting my score. 

XX/XX/2021 Flagged for 119 days past due XX/XX/2021 Flagged for collections XX/XX/2021 Flagged for not more than 2 payments past due

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 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I went onto my XXXX on my account and I am see a lot of inaccurate information on my report that needs to be removed due to the fact that it is hurting my score. 

XX/XX/2021 Flagged for 119 days past due XX/XX/2021 Flagged for collections XX/XX/2021 Flagged for not more than 2 payments past due

Company response to consumer: Closed with explanation