vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: NH

Complaint narrative:
The company Midwest Recovery Systems put a collection on my XXXX credit report, that had been previously removed by XXXX when it was found to be fraudulent. I contacted them at XXXX. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX. Apparently they were hired by a company called XXXX, whom apparently wound up with this debt. The last payment by whomever was reported XX/XX/2013, and as I stated this has already been determined to be fraud and removed by XXXX, so how can it now be put back on because some company goes out buying debts, fraudulent or not. There is a report on file with XXXX County Sheriff 's Department, they told me to get it and send it. I live in NH and am XXXX. I told them they gould get it under the freedom of information act. 

The original company was XXXX XXXX who is no longer in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a complaint against BBVA USA credit card account XXXX. I contacted BBVA today @ XXXX requesting for the overpayment of {$2400.00} on my credit card account to be credited to my checking account which was also with BBVA. My call was transferred to the fraud department treating me like a criminal. I spoke with XXXX who told me I have to wait for the credit card cycle to end which would be on XX/XX/XXXX and they can release the funds to my checking account. BBVA is illegally holding the funds for two weeks when I did not owe anything on the credit card. I should not have to wait two weeks when it took BBVA a minute to debit my account. I ask for supervisor and I was told a supervisor named XXXX will call me but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: LJ Ross Associates
State: IL

Complaint narrative:
This account has appeared on my credit report and i am not familiar with this company LJ ROSS ASSOCIATES Alleged Debt # {$5100.00} ACCT # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: AL

Complaint narrative:
I notified the credit bureau Equifax of a fraudulent account on my credit report 3 times from XXXX XXXX. I provided legalized documentation to support that this account doesn't belong to me and that I had been a victim of identity theft each time I have notified them. The credit bureau Equifax refuse to  remove the erroneous reporting account. I have notified all credit bureaus and the other 2 XXXX and XXXX have investigated and removed the fraudulent account that stemmed from identity theft but Equifax will not properly resolve this issue. I am a XXXX veteran that is XXXX and I am sincerely saddened by this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hilco Receivables LLC
State: VA

Complaint narrative:
I paid my account off in XXXX, Three years later I received phone calls & threats demanding payment. I have already paid three times what the appliance cost. Now they have a collection agency taking me to court sueing me for payment. The court date is XX/XX/XXXX. I just recently discovered USA Discounters was sued in XXXX, how can they make me pay twice for the same product. I moved from the address USA Discounters had on file. I did not receive notice of the lawsuit filed against USA Discounters. I did not keep my paper work for the products I purchased in XXXX. Multiple states have sued them for consumer fruad, abuse dept collection and deceptive advertising. The court date is XX/XX/XXXX in XXXX VA. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: MD

Complaint narrative:
I receive my credit reports monthly. I noticed a collection report that was placed on my credit reports that was NOT on my report last month. 

On Friday XX/XX/XXXX at about XXXX, I received a call from a company that I did not know nor had I ever heard of or done business with - National Recovery Agency. The lady on the other end said she was attempting to collect a debt. I let her know that I was the person she was looking for and asked that she not call me again - but to communicate via mail only. This person hung up the phone. I then received a notification by XXXX XXXX on Monday XX/XX/XXXX that a new collection account for XXXX was added to my credit report between XX/XX/XXXX and XX/XX/XXXX. The collection letter was from National Recovery was dated XX/XX/XXXX - the same day I received the initial phone call. I ask that this account be removed from all my reports from National Recovery Agency so I can have an opportunity to validate this alleged debt. 

This company did not sent any notification to my address regarding any debt until AFTER they placed this account on my credit report. I am requesting that this be removed immediately from my report since I was not even given a chance to request validation of this alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: VA

Complaint narrative:
Was given an amount for 2 accounts that were open and set up payment plan. Person stated the accounts were combined. Sent money and payed off in XXXX. Still receiving calls and mail when credit report shows everything has been payed. Can't get correct amount of money owed because it's been going on so long and the customer service for CRME doesn't know anything about it, they just go off what's currently on the computer screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
The department of Education approved income based repayment plan for me. 
{$20.00} per month for year 2020. 

However, Navient company notified to me past due of {$850.00}. And also {$94.00} for XX/XX/2020 and then {$99.00} for XX/XX/2020. 

I don't understand which one is the right amount of payment. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a withdrawal of {$81.00} from an ATM in XXXX. After revising my account a few days later, I saw that there were 4 more withdrawals of {$200.00}. This making a total sum of {$820.00}. I filed a dispute with the bank and they are claiming that they will be taking back the credits because the withdrawals were made with the same card. I did not make those withdrawals. To my knowledge, no one else had access to my card. This withdrawal was made from a XXXX XXXX ATM in XXXX from a Capital One Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: TX

Complaint narrative:
I have disputed XXXX inquiries that are not mines as well as some accounts that are not mines and now I can't see my credit report on XXXX XXXX nor will equifax send me any information. They sent enclosed letter stating i needed to prove who I am for the 15th time in the past two years.

This is why I know they are not investigating or removing information that is not mines. They cant even keep up with who I am. 

I have attached my ID and SSN card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 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: NY

Complaint narrative:
Not my accounts

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 2020-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: NH

Complaint narrative:
repeated phone calls from the same company. I hang up and they call right back. They do not leave a message with why they are calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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:
I believe that somebody used my personal information and applied for following accounts, it's not my account. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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:
I believe that somebody used my personal information and applied for following accounts, it's not my account. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I opened a business account with Suntrust in XXXX and made a cash deposit into the account. The next month of XXXX I deposited a check into the account and Suntrust then started the process of closing my account XX/XX/XXXX. The reasoning was not following rules and regulations. I have no idea what that means. I felt the company wasted my time. The representatives told me the account would be fully closed within 10 to 15 days. That frustrated me but I just waited. XXXX weeks has since went by and now the representatives tell me with this investigation Suntrust has no time frame on when they will return the money that was deposited into my account back to me. 
Every time I call and reach out trying to find out any information on whats going on with my funds I receive different information and no one can help me. A supervisor told me there is nothing else I can do but just wait.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, JPMorgan Chase dishonored a check we wrote even though the account had sufficient funds to pay the check. When we called the bank, we were told that the account was blocked because of a fraud issue with a check we had not written. At no time before we called did the bank notify us of the problem or that it intended to dishonor our checks. After we communicated with the bank, the bank informed us via email that before dishonoring additional checks, " Fraud Services will notify you by email and/or phone when outstanding items are presented for payment to confirm if these items should be paid. '' In fact, the bank continued to dishonor our checks and did not inquire of us whether any checks should have been dishonored or paid. In all, the bank dishonored 17 of  our checks even though the account included sufficient funds to pay all the checks. We have suffered significant embarrassment, our credit may have been damaged, and our counterparties may no longer be willing to do business with us. We supplied the bank with a list of the dishonored checks and asked the bank to honor them and to contact the payees of the dishonored checks. The bank did not do either of those things despite agreeing to do so. We want the bank to make us whole by honoring the checks that were dishonored, notifying the payees that the bank made an error to minimize our embarrassment, and notifying the credit bureaus if that should prove necessary to prevent damage to our credit records.. Given that the bank failed to follow its own procedures as stated in its email, we also wonder how common this occurrence is and how many other Chase depositors have been similarly afflicted. We urge the Bureau to investigate whether the bank is conducting appropriate verifications before wrongfully dishonoring checks and damaging consumer relationships with payees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-07 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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have two late payments on my American Express Credit Card account for the following dates : - XX/XX/2017 - XX/XX/2017 At the time of these late payments in 2017, I was in the process of deploying to XXXX in support of XXXX XXXX XXXX. As an XXXX XXXX Service Member, there are not always timely notices for combat deployments and/or Field Training Exercises. I say that not to justify why the payments were late, but instead to show that the late payments are not a true indicator of my actual creditworthiness. Since that time I have been an exceptional customer paying every month on time. The late payments have been unsuccessfully disputed with the three major credit bureaus. I have enclosed a copy of my XXXX XXXX with this letter for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I checked myu credit score and discovered this from a supposed 2018 incident. 
I have not received ANY bill or notification This was supposedly paid by a charity after I gave them {$35.00} for processing I don't know who these perple are. 

THIS IS FRAUD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: NY

Complaint narrative:
THE INQUIRIES DISPUTED ARE DUE FOR REMOVAL OFF MY CREDIT REPORT. THOSE INQUIRIES WERE NOT AUTHORIZED BY ME.

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 2020-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
This company received proper documentation that they have been submitting request for payment on a fraudulent account. Instead of ceasing and deceasing, they have engaged in very aggressive and harassing collection tactics. They even sold their fraudulent account to a collection company that ended up filing a bogus lawsuit, seeking a quick judgment trough cheating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE INQUIRIES DISPUTED ARE DUE FOR REMOVAL OFF MY CREDIT REPORT. THOSE INQUIRIES WERE NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
THE INQUIRIES DISPUTED ARE DUE FOR REMOVAL OFF MY CREDIT REPORT. THOSE INQUIRIES WERE NOT AUTHORIZED BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
transunion, and XXXX dropped my score 85 points after being stagnant one week.also XXXX  let my info get stolen.i also would like to know why these companies have any right to my info in the first place i do not remember giving my permission? please explain this.i contacted the they had no good reason why my score dropped except i went stagnant, when i asked why one week was sufficient to them to drop my score 85 points i got told that if i was basically in debt it wouldn't of happened.

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 2020-01-07 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/2020 at approximately XXXX Central Time, I received an email from Experian about a new alert on my credit report. Instead of accessing any links from the email, I went directly to the company 's website to log in for more information. 
At the member log-in screen, I entered my information. The system attempted to log me in, but instead re-routed me to a page asking if I wanted to access my free credit report. In the top right corner of this page is a link that says " Already a Member? Log In. '' I clicked this link, which brought me right back to the original member log-in page. I entered my information once again and attempted to log in. The site brought me back to the same " access my free credit report '' page. This time, I used the link to access my report. The site took me to a page where I had to enter my personal information. Upon entering all of my information, the site brings me back to the log-in screen and tells me that I already have an account. 

My account is in a constant loop, and I am completely unable to access any of my credit information, account information, or make any changes to my account due to Experian 's faulty website. I have searched each page for any other way to log in without being automatically redirected, but it will not let me. My log-in information is correct, so that is not the problem. The problem is Experian attempting to force a redirect to a faulty page. 

I have attempted to contact the company by phone. I have tried every possible option in the automated system to let me talk to a real person since the automated system can not possibly comprehend my issue. There are no available options to talk to somebody about this issue in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI

Complaint narrative:
In XXXX of 2018 I had contacted cfpb about this matter, I was awarded back my fees and refund and was told to go back to the station where I had purchased a moneygram in question, I have done so on many occasions and have been told everything from the computers are down to they are selling the business and will be up running soon to now and so I called moneygram and now it says my reference number is in valid and now again I'm fighting to get back my refund of XXXX and moneygram transaction fees, please help

Company response to consumer: Closed with monetary relief