vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Action Revenue Recovery, LLC
State: TX

Complaint narrative:
XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX contact Actions revenue recovery On the date of XX/XX/XXXX I seen this post on my credit years later I called credit company and they state they dont know where is came from but that its. XXXX reading I request to send me a copy of the bill and they stated they couldnt help me because they didnt know exactly where this bill was coming from if it was a XXXX XXXX or XXXX or XXXX wasnt very help full all they cared about was my money because they couldnt give me a explanation of why this was posting many years later

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Requested this information and still nor response. Notice of Deficiency After carefully reviewing the notice in the amount of XXXX as of XX/XX/XXXX. The amount received from disposition of the vehicle was XXXX ; and the remaining is XXXX per your documentation. After credits of XXXX per gap insurance, the remaining the company stating, Im responsible for is XXXX. 
As a consumer, Im exercising my rights under the 1977 Fair Credit Report Act. I hereby, requesting the accuracy of reporting. 
1. The bill of sale between Credit Acceptance and XXXX XXXX of XXXX. 
2. How the amount was calculated expenses incurred in retaking a vehicle on a closed account? 
3. The amount generated of the amount of credit to my account. Included any payments received since date in item 1 above other credit to which is entitled, including rebates on a 2011 XXXX or credit service charges or ancillary products such as a Gap contract of XXXX 4. Do your company have a license to practice in Pennsylvania? if so, please provide the number.

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 2019-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jonathan Neil & Associates, Inc
State: KS

Complaint narrative:
On Saturday, XX/XX/XXXX, I received a letter from John Neil and Associates, Inc, a debt collector, attempting to collect a debt stemming from an auto accident the company states I was involved in. 

I have been continuously insured with my insurance agency for years, with no lapse in coverage. I have never been the involved party in any auto incident, nor have I ever been ticketed or cited for traffic violations. 

In said letter, they threaten to " review the case '' and seek judgment with the State of Kansas to suspend my license for damages relating to said incident. 

In the letter that was sent, no mini-Miranda can be found anywhere stating that the communication is from a debt collector. 

On Monday, XX/XX/XXXX, I received another letter, this time from the " Law Offices of XXXX XXXX XXXX, XXXX '', with a return address listed as a private residence in XXXX XXXX, California. 

The letter is *exactly* the same as the previous letter, albeit supposedly coming from a different law office. 

This second letter also does not disclose that the communication is from a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Requested the following information from XXXX XXXX XXXX XXXX. This is the second attempt 1. The bill of sale between XXXX XXXX XXXX XXXX and buyer. Never received any Notice of Deficiency. 
2. How were the amount calculated expenses incurred in retaking vehicle on a account filed in bankruptcy ( Chapter XXXX )? 
3. The amount generated of the amount of credit to my account. Including any payments received since date of item # 1 above other credit to which is entitled, including rebates on rebates. XXXX or credit services charges or ancillary products such as a Gap contract of XXXX 4. Do your company have a license to practice in Pennsylvania? If so, please provide the number? 

Made several attempts to correct this issue with your company. The investigation was concluded which your company arrived this erroneous decision. In addition, requesting all contact information of employees who took part in the process.

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 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Requested the following information from XXXXXXXX XXXX XXXX XXXX. This is the second attempt 1. The bill of sale between XXXX XXXX XXXX XXXX and buyer. Never received any Notice of Deficiency. 
2. How were the amount calculated expenses incurred in retaking vehicle on a account filed in bankruptcy ( Chapter XXXX )? 
3. The amount generated of the amount of credit to my account. Including any payments received since date of item # 1 above other credit to which is entitled, including rebates on rebates. XXXX or credit services charges or ancillary products such as a Gap contract of XXXX 4. Do your company have a license to practice in Pennsylvania? If so, please provide the number? 

Made several attempts to correct this issue with your company. The investigation was concluded which your company arrived this erroneous decision. In addition, requesting all contact information of employees who took part in the process.

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 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: MI

Complaint narrative:
I called and emailed US Bank AND started a dispute with all the major credit reports. I did NOT have a 30 day late in XXXX. I was sent a second card, not know that I was paying on the wrong account. They reimbursed me each item and it took a few months for me to figure out what was going on. My lease is up and I need this off all my reports asap! I CAN NOT have this on my credit report until XXXX as stated below. I have NEVER made a late payment, as you can see by looking at my credit report. Please, please, somebody get this 30 day late off of my credit reports, please. Below see results for Transunions investigation ; INVESTIGATION RESULTS - DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED A change was made to the item ( s ) based on your dispute and other information has also changed. 
US BANK # : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , MO XXXX ( XXXX ) XXXX We investigated the information you disputed and updated : Date Updated ; Payment Received. Here is how this item appears on your credit report following our investigation. 
Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : FLEXIBLE SPENDING CREDIT CARD Balance : {$0.00} DateUpdated : XX/XX/XXXX Last Payment Made : : XX/XX/XXXX High Balance : {$180.00} Credit Limit : {$11000.00} Pay Status : >Account 30 Days Past Due Date< Terms : Paid Monthly Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX >Maximum Delinquency of 30 days in XX/XX/XXXX and in XXXX Remarks : ACCOUNT CLOSED BY CONSUMER ; CLOSED Estimated month and year that this item will be removed : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20 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: VA

Complaint narrative:
XX/XX/2019I refinanced my home taking some equity out to pay down and reduce my debt ratio. The first equity I had taken and having paid on my house 16 years. The Settlement Company sent Bank of America a check for two account to pay off balances after10 days the check was lost and unable to locate. I called their processing center speaking with supervisor to request a formal inquiry. Also in the interim, the settlement company voided the check and overnighted a new check to the address provided by supervisor. I had not planned on closing these account knowing this would impact my credit. Once the second check was credited Bank of America sent me a letter closing both account. I had never been late or missed payment on either of these accounts, it seemed they were trying to impact my credit by closing these accounts. I called and made inquiry and was told it was their decision to make and there was nothing I could do to change the decision. If the accounts were closed due to poor payments or late payments I would understand, which was not the case the balances were paid off and not listed that way on my credit report. Paying down balance should have improved my credit, but because Bank of America reported an unfair report, it has impacted my score.

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 2019-05-20 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: Nevada Credico, Inc.
State: NV

Complaint narrative:
Quantum Collections  threatened me and called numerous times over a debt I proved to be fraudulent by supporting documentation of a police report and a statement from the dmv that I never owned or registered the vehicle that the t truck company they said they represent placed on my credit and when they were forced to remove it from XXXX they threatened me they would continually report it to all agencies to mess my credit up the agents name was Ms XXXX so right after XXXX removal the next day they placed it on my equifax 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 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On or about XX/XX/2019, I received an email from Experian.com requesting information to help repair my credit report. Thereafter, I received a call from a representative at Experian trying to obtain information to help me repair my credit report. I informed the representative that I was not interested in their services and asked them to stop sending me any further text or phone calls regarding the same. 

Thereafter, on or about XX/XX/2019, I received an email from Experian soliciting their services again. I unsubscribed to their emails as directed by the terms in the body of the email. Thereafter, on or about XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, I again received unwanted solicitations from them via email. Additionally, I received various phone calls from representatives requesting personal information. 

Notwithstanding the foregoing, I again, after various requests to stop contacting me via email or telephone, received another email requesting me to use their services. 

In light of the foregoing, and despite my repeated requests, it is clear that Eperian.com is blatantly harassing me and inundating me with emails and phone call which has affected my work, by having my phone ring during work hours to try and as well as cause undue stress of trying to obtain my personal information. 

The only course necessary to have them stop this telemarketing charade is to initiate legal action against the company. Once you unsubscribe to them, several other companies call and send email to try and offer assistance in repairing my credit. These sub companies try to obtain personal information ( i.e., SS #, DOB, Banking information ).

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 2019-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV Funding - XXXX - is reporting and attempting to collect a debt I already paid! I already settled this debt over a year ago to the previous creditor. 
Also I never got a notice from you, I just saw it on my credit! You did not give me a 30 day right to dispute notice so that I could let you know that this was paid already.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
Co-singing on loan for ex-wife before divorce 4 years a go an I dont make payments on this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My mortgage company ( XXXX XXXX ) has tried to pull my Equifax report on two separate occasions, but is told that the report is suppressed. When I called Equifax, they claim it's not suppressed. The reports for XXXX and XXXX were provided ( through XXXX XXXX ) to the mortgage lender. I have also been able to access my Equifax report through credit monitoring. 

On XX/XX/2019 I faxed an affidavit to Equifax asking for removal of any suppression so that the lender can use the report, and on XX/XX/2019 I spoke with a gentleman named XXXX. He told me that there should not be any suppressed notation on the credit file, and to have the bank try again. 

This problem is interfering with the closing of my mortgage loan, and I need to know how to fix the problem as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
XXXX XXXX - XXXX - is reporting and attempting to collect a debt I already paid! I already settled this debt over a year ago to the previous creditor. 
Also I never got a notice from you, I just saw it on my credit! You did not give me a 30 day right to dispute notice so that I could let you know that this was paid already.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am the victim of identity theft another credit file has merged with mine please remove the fraudulent information as soon as possible!! There is an American Express card reported with a {$5000.00} balance that does not belong to me.At XXXX ... I have worked extremely hard to be debt free Please remove this social security number of a Male ... XXXX XXXX, As it's crossed paths and merged with mine, a female named XXXX XXXX, with a totally different credit file and social security number as being reported .. It's a shame that this type of thing goes on. At XXXX, once again I work hard to maintain my credit report having as little as possible, even if that affects me negatively please return my report to the original status before the social security number XXXX was cross with my file ... This is not my social security # ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I tried to open an online CD account with Ally bank. Ally bank confused my application w/my partner 's account & had some wrong info I assume from a previous application I made a few years back. ( this should not happen/crossing accounts ) Then the " trial deposits '' didn't work, " insufficient funds '' because ALLY was trying to pull money from the wrong account ( 5X ) & I called & called, sent e-mails, posted on their XXXX XXXX page & all they do is say " I'm sorry, please call XXXX-XXXX-XXXX ... it's takes 20 min. to get a person & that person will not tell you how long they have been on the job while they are grilling me on security questions more than 4 ... I find this abusive ( their automated system says 5 min wait, then changes to 5-10 min wait after 5 min, then 10-15 min wait it takes 20 min! ... ..I spoke to 2 or more supervisors who told me mail the check in, I did, but never got a thank you, confirmation or receipt for the money. This has been going on for one month, & Ally bank is still making " trial deposits '' which has cost me over {$100.00} in bank fees for NSF! ... .It is real scary to me that the bank is so poorly administered. There seems to be a real disconnect between on-line banking, over the phone communication and e-mails ... this does not seem safe or effecient. I am appalled. This started XX/XX/XXXX, my welcome package from Ally was received 3 weeks ago before the deposit was yet to be confirmed????.

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 2019-05-20 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX continues to call me re : Sallie Mae Loans that were forgiven in 2012 & they're reporting erroneous information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX has improperly maintaining my account information and reporting this information to different credit bureaus for the less 12 years. In so doing, my credit score was greatly affected.1 ). They had additional credit cards, etc billed to my account. 2 ) .The failed to maintain good banking records as required by law. 3 ) .I  believe this was done due to my race

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 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fraudulent inquiry I didnt not apply for or authorized any credit card company access to my credit report Inquirer name XXXX Inquirer date XX/XX/2018

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 2019-05-21 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: TX

Complaint narrative:
XXXX continues to call me re : XXXX XXXX Loans that were forgiven in XX/XX/2012 & they're reporting erroneous information to the credit bureaus.

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 2019-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Monterey Financial Services LLC
State: ME

Complaint narrative:
Monterey Financial Services, LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Tel : ( XXXX ) XXXX Purchased a puppy in XXXX Massachusetts at the XXXX XXXX Store inside the XXXX XXXX XXXX on XX/XX/2018. 

The purchase price was {$3100.00} I have paid {$2900.00} to date. 

Company states i owe 30 payments of {$230.00} and at the end of those payments i will still owe another {$3000.00} in interest?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation