vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: ND

Complaint narrative:
On XX/XX/21 I wrote a check for XXXX as a settlement to my account and mailed it to them. A couple days later I got another bill. So I called the man said he was gon na fix it for me and send me a receipt with the remaining balance. I guess with in the 2 days they got another Bill. I am behind on my medical debt from last year due to covid, and prior years due to high deductibles. So thats why I got another letter he stated. I asked him to mail me the receipt from the first one and send me the bill. So i could see everything in writing. He said ok and he would possibly call me back. Never got a receipt. They sent another bill, and sure kept calling. I talked to the next person and she was like oh there is a problem with your file. I said yeah, the guy was suppose to fix it and never sent me a receipt after another 15-20 minutes on the phone with this lady she was like I will make sure it gets taken care of. Never got a receipt. They keep calling. Again talked to another lady and she was like Ill make sure you get the receipt this time I am so sorry. The lady before hand marked me as refused to pay. Which was not the case. I wanted to see all the bills and the receipts in writing. So she apologized. And was like Ill get this out to you. Now today, I think it was a week ago. They called again. I called them back. Got a man. He was talking super slow. So i thought he was done, I said yeah I am still waiting for the receipt you guys are refusing to send me. He immediately snapped well let me finish. Did his little attempt to collect a debt spiel and hung up on me. So I dont know if they are fraud? Or trying to work me overtime? But I can not get a receipt. And they keep marking me a refusal to pay when they wont send me the information that I have requested at least 3 times. They say the same exact thing every time. Oh we will fix this and get you a receipt in the mail. And it never happens. I am not refusing to pay the debt, I am just making sure the company is being honest. If this company is being fraudulent and working against the laws. I believe a refund should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union is reporting late payments for XX/XX/21, XX/XX/21. I called and set this account up with auto draft. I should not have any late payments, whether or not the rep did their job is not my fault. I called and made this arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Cap1/Bass : # XXXX I have requested Capital One to Terminate me as an Authorized User on account for the last 2 months. They refuse to terminate the account in addition to that, they are taking money out of my Bank Account for this card and it's not mine. 

I going to file a sue suit against them as I have requested them to stop attempting and drafting money out of my account and they continue to do so. Telling me the primary card holder has to change the banking account information, but it's coming out of account that clearly has my name on it ... 

The card is maxed out and it's effecting my credit score and causing me problems. 

I going to call the Attorney General and the governing body that covers the banks! 

The Primary Card name is : XXXX XXXX last four of social # XXXX. You can find that account that way!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
After looking at my consumer report I noticed a collection I did not recognize and wanted to address. On XX/XX/2021 I sent a letter to the collection agency in question. I simply sent a letter asking for a validation of debt so that I can understand this consumer transaction. After sending my letter to XXXX XXXX XXXX XXXX XXXX they sent me a summons with multiple letters saying I was being sued. This letter terrified me because it stated that the paycheck I use to feed, clothe, and house my family with will be taken away from me to pay a debt alleged to be mine. After reading over the fair debt collection practices Act I noticed that this could be a violation pursuant to 15 USC 1692d ( 1 ) but I'm not sure. I also saw some other possible violations that I wasn't sure applied to me, I wrote them on the exhibits attached. The only thing I ever wanted from initially reaching out about this debt was to gain clarification and fulfill my obligiation whatever that may be. And this company immediately started attacking with this lawsuit alongside XXXX XXXX XXXX XXXX XXXX who is acting as this debt collectors attorney. This letter was recieved by me on XX/XX/2021 and the court date is scheduled for XX/XX/2021. I was not given enough time to respond to the letter appropriately or even get an attorney together to help represent me. I feel like I am being set up for failure. I think this is also a violation of 15 USC 1692g ( d ) and 15 USC 1692e ( 7 ) but again I am not sure and wrote the rest on the exhibits attached.

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 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an email from American Express regarding my Hilton Honors credit card stating that my credit limit had been reduced from XXXX to XXXX. A secure message was attached stating that American Express had taken this adverse action due to my XXXX credit score dropping to XXXX. The letter also stated that I had numerous negative items on my credit report. This is not true. I immediately pulled my credit reports through XXXX and XXXX and I had no negative accounts and my credit score is close to XXXX. I then contacted XXXX and XXXX verified that my credit report reflected no negative items at all. I have no idea why American Express is stating that they pulled my score and it was XXXX. I am assuming either there was a technical glitch or they pulled someone else 's credit. I have been a proud American Express member since XXXX and hope this issue can be resolved. As anyone can imagine, opening a message stating my credit score was XXXX was alarming and extremely stressful. I contacted American Express customer service and the agent was confused as to why this happened to me. He did state that I could pay down part of my balance to see if the limit could be reinstated but was not certain. I don't mind doing this however my main concern is how American Express got seriously wrong credit information that caused the credit limit reduction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021 I sent in a letter regarding some inaccurate accounts on my credit report and I have yet to get a response from the credit Bureau Equifax regarding this matter which further lets me know that they couldn't complete an investigation and under the rules of the FCRA that warrants immediate deletion. Please help me in resolving this matter thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
In XX/XX/2017, I went to XXXX in XXXX, GA to purchase an automobile with my credit card. I was provided a credit application which I filled out and provided my credit card to the sales rep at XXXX to extend my credit. In return, XXXX brought me an alleged loan on a document with the title 'Sales Agreement ', and it stated GM FINANCIAL as the 'LIEN HOLDER '. A finance charge was involved in the consumer credit transaction and was not disclosed clearly in any of the communication sent from GM FINANCIAL. GM FINANCIAL furnished deceptive documents and communicated with me at my abode in connection to collect an alleged debt that is not lawfully owed. I did make payments after being harassed by the monthly bills and annoying phone calls over the years from GM FINANCIAL, making me believe I was obligated to make such payments. I sent GM FINANCIAL a request to validate the alleged debt. They have not sent any documentation proving any legal or lawful obligation as requested in the allotted time frame. The payments have caused damages to my financial status and reputation. GM FINANCIAL continues to violate my federally protected rights and communicate with me without my consent in an attempt to collect an alleged debt. GM FINANCIAL has not provided any legal or lawful validation of any debt or alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: United PanAm Financial Corp.
State: MA

Complaint narrative:
I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: FL

Complaint narrative:
For at least a year I have had my XXXX cell phone bill reported to Experian XXXX. 
This resulted in a boost of 4 or 5 points. In XXXX of this year I simply changed the vehicle of payment from my XXXX XXXX XXXX  Master card ending in XXXX to my XXXX XXXX  cash rewards Visa card ending in # XXXX. Inexplicably Experian removed the boost resulting in a reduction of 24 points on my credit score. When I tried to explain that the payment to XXXX  has never been late simply the card from whence it came had changed [ both cards have been registered with Experian XXXX for over a year ], Experian explained that the XXXX  would be picked up once three payments were made with the XXXX XXXX Visa card. Although that seemed unfair I waited patiently. At this writing 4 payments have been made but my requests to re install the XXXX  have fallen on deaf ears. My credit score remains down 20+ points with absolutely no negative credit issues other than inquiries as I am attempting to purchase a home. I have been advised that my interest rate will be 1/4 to 1/2 of a % higher due to the wrongful reduced credit score [ presently XXXX. ] Prior to the elimination of the cell phone bill, my Experian score my score was 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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN 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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is continuing to report XXXX XXXX in error on my credit report. I disputed the item with no results. XXXX has already deleted this item because after proper investigation, they proved the error to be inaccurate and invalid.

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 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: IL

Complaint narrative:
US bank, I just received I owed XXXX dollars, I never use US bank CARD AT ALL. .. Im not aware of it until I I received note, ..I had US BANK BEFORE XXXX or XXXX when I was working but I never use it at all, I left it, when I moved XXXX, in my bf. 
My XXXX XXXX Im using it, but they keep charging it till it gets to points its higher than I owe them..I dont have work for almost 4 years but they keep charging me on it.. Im full time mom,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My case relates to bankruptcy that was disputed. 

On XX/XX/XXXX, I requested verification from the courts on how information is reported to agencies. In response, they sent a written notification on XX/XX/XXXX stating that courts do not provide information to credit reporting agencies. I requested this item to be removed from my credit report because it does not comply with FCRA 611 ( 15 U.S.C 1681I ) on XX/XX/XXXX and in violation of the Fair Credit Reporting Act. 

In response, TransUnion stated the information was verified on XX/XX/XXXX, XXXX, However, this is false because courts don't report to agencies/credit bureau. 

As a result, I would like for CFPB to investigate this matter.

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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX  XXXX XXXX XXXX XXXX XXXX, received a copy of my credit report from Equifax. I called and made a dispute on XX/XX/2021. I explained to the rep that the willful neglect of Equifax in furnishing data without my consent is a violation of my rights pursuant to 15 USC 1681b. ( a ) ( 2 ). I also, explained that their negligence is impeding my ability to get a new car, home and the ability to take care of my family. I, as the original creditor, do not validate any of the alleged debt being furnished on my consumer report. I also, understand that the balances being advertised on my report are inaccurate because each account represents a consumer credit transaction in which a finance charge was involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges which makes these alleged balances fraudulent and inaccurate. I also explained to the rep that if this can not be taken care of in a timely and efficient manner then I will be forced to pursue legal action and invoice for each individual action pursuant to 15 USC 1681n. Furnishing these things are a violation of my consumer right to privacy. These consumer credit transactions shouldn't have been furnished to begin with pursuant to 15 USC 1681a. ( 2 ) ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management is reporting a more than 4 year old account that has never been validated, is past the statute of limitations, was charged off by the creditor and taken as profit and loss account by the original creditor. The original account was for XXXX XXXX XXXX. Midland Credit Management is employing unethical tactics such as re-aging the account. This should be shown as a charge off. They show monthly late payments over 90 days each and every month to make the account look currently late each month which is only an attempt to do the most harm to my credit. It is purposely inaccurate and is a misrepresentation ( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ). I have contacted Midland requesting validation, and informed them of their errors but they ignored my requests and my disputes. They made no attempt to validate, correct or stop during a dispute period. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX with late payments made every single month since XX/XX/XXXX when no payments have ever been made. There actions violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre, and FDCPA Section 806. FCRA Section XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX

Company response to consumer: Closed with explanation