vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
On my credit report it says debt owed XXXX dollars open XX/XX/2019. I have contacted the Midwest Recovery Systems several times. It is a robotic answering service. They have not issued me any notices in my mailbox with an account number. There for it could be possible fraud. Anyway my goal is to just get it taken care of. I want to reach a customer service person to verify it my bill. I researched the company I found Accreditation Revocation : On XX/XX/2019 this business 's accreditation in the XXXX was revoked by the XXXX 's Board of Directors due to its failure to adhere to the XXXX requirement that Accredited Businesses meet and abide by the following standards : 6D. Cooperate with XXXX in efforts to eliminate the underlying cause of patterns of customer complaints that are identified by XXXX. XXXX consumer complaints in three years I am not the only one. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: FL

Complaint narrative:
I visited XXXX XXXX XXXX located at XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX ( ( XXXX ) XXXX. I assisted by sales person XXXX XXXX and the so call Financial Manager XXXX XXXX. I asked Mr. XXXX, how many times my credit would be ran, since I am in the process of purchasing a home and also have id theft on my account. He said your credit would only be run one time. I trusted this manager and now I now is a scam and he lied to me. I have so many credit inquiries on all the three credit reporting agencies and it hurting my credit a lot. I demand they remove all the inquiries and only leave one, as they said. My credit was ran at the following places on different days and the worst part is they ran my credit just a few days apart. 
XXXX XXXX Auto Finance  XX/XX/2019 XXXX Auto Dealer Finance XX/XX/2019 XXXX/XXXX XXXX   XXXX XXXX XXXX XX/XX/2019 AND XX/XX/2019 XXXX AUTO FINANCE ON XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 AND XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX DEALER XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 This dealer does not know what they are doing. They are so greedy to sell a car and they do not care how this affects your credit. I told them what was going on with my credit situation. I forewarned and yet they failed to deliver what was said, not to run my credit more than once. I need this to be removed ASAP, since I will be applying for a mortgage within next 60 days.

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 2019-08-13 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: FL

Complaint narrative:
I visited XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( ( XXXX ) XXXX. I assisted by sales person XXXX XXXX and the so call Financial Manager XXXX XXXX. I asked Mr. XXXX, how many times my credit would be ran, since I am in the process of purchasing a home and also have id theft on my account. He said your credit would only be run one time. I trusted this manager and now I now is a scam and he lied to me. I have so many credit inquiries on all the three credit reporting agencies and it hurting my credit a lot. I demand they remove all the inquiries and only leave one, as they said. My credit was ran at the following places on different days and the worst part is they ran my credit just a few days apart. 
XXXX XXXX XXXX XXXX XX/XX/2019 XXXXXXXX XXXX XXXX XXXX XX/XX/2019 XXXX/XXXX  XXXX   XXXX XXXX XXXX XX/XX/2019 AND XX/XX/2019 XXXX XXXX XXXX ON XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 AND XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 This dealer does not know what they are doing. They are so greedy to sell a car and they do not care how this affects your credit. I told them what was going on with my credit situation. I forewarned and yet they failed to deliver what was said, not to run my credit more than once. I need this to be removed ASAP, since I will be applying for a mortgage within next 60 days.

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 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I received notification that a collection account was added to my credit reports on XX/XX/2019. I filed a complaint with CFPB on XX/XX/19. The company responded on XX/XX/19 that they would contact the creditor and send me documentation of this alleged debt. I never received the documentation. On XX/XX/19, I sent a debt validation letter to the company addressed to XXXX XXXX at XXXX as per his response to my CFPB complaint. It is now XX/XX/19 and I have not heard from the company at all in regards to this alleged debt. They have not been able to provide any documentation showing that this debt belongs to me. I want this account removed from all credit reporting agencies immediately. 

Please see CFPB Complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: Alco Collections, Inc.
State: CA

Complaint narrative:
I have a collections account on my credit report that I have no knowledge of and it has been disputed multiple times.. I have been trying to contact the creditor for over four years to take care of this debt. I have called the number listed numerous times and left messages. I have not received a call back. The debt is minimal and I would like to pay it after I verify that it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Data Systems, Inc.
State: WV

Complaint narrative:
XXXX, originally through XXXX XXXX Medical Center for {$2000.00}.

These charges occurred in XX/XX/2016. The CEO of the hospital at the time XXXX XXXX agreed to waive & discard all charges from the visit to keep from filling a malpractice suit against the hospital for lack of care & discharge from the hospital. The event of the neglect resulted in me going to another emergency room the following day to seek medical attention resulting in a serious medical condition, a 9 day stay in the hospital & continuous follow ups as well as being out on Social Security XXXX. When XXXX XXXX Medical Center took on a new CEO later in 2016, the charges that were once taken care of were resent. I called and verified the previous agreement of the charges being waived to avoid a malpractice suit, but it was still sent to collections.

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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE ACCOUNT FOR XXXX XXXX XXXX IS REALLY AFFECTING AND OBSTRUCTING ME FROM PURSUING A BETTER LIFESTYLE. PLEASE REMOVE IT IMMEDIATELY!!!!!!!, AS FOR IT IS AFFECTING MY CREDIT 'S HEALTH. THIS ACCOUNT WAS OPENED ON : XX/XX/2014 WITH AN OUTSTANDING BALANCE OF : XXXX, MAKING IT AN UNPAID CHARGE-OFF. NOTHING HAS BEEN DONE FOR THIS ACCOUNT NOR WERE ANY ACTIONS TAKEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
First Point Collections has been harrassing me for years about medical bills that were COVERED BY MY INSURANCE!!! I used to have this conversation with them often, until I eventually got tired of saying the same thing over and over again. All of my medical bills with this company have been paid through my insurance company. At one time it was XXXX XXXX XXXX, and the other it was XXXX XXXX XXXX XXXX. I have never NOT had coverage, and I know that these are covered expenses, as they have told me they were " lab fees '' These accounts should be removed from my credit report unless they can provide proof that the services were not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: ID

Complaint narrative:
Experian and XXXX are reporting incorrectly ( 30 ) days late on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) I had a second mortgage on a property that my brother and I owned. I have never been given a letter of demand from XXXX XXXX XXXX for the payment in full. Per the deed of trust, the payment in full demand must be made and not performed on to initiate foreclosure proceedings and verbiage on my credit. The inaccurate process and reporting on my credit is creating a financial hardship. I am unable to purchase a home with the credit reporting foreclosure. The second mortgage initiated a foreclosure on the property. We were never late on any mortgage payments and I have attached copies of the bank statements reflecting the monthly, on-time payment history. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.

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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I did not receive my XX/XX/XXXX and XX/XX/2018 credit card statements, which meant I did not make my required payments by the due dates. After numerous conversations with credit services, Capital One acknowledged their mistake and vowed to update my credit reports to reflect no late payments. However, Capital One did not correct two of my credit reports and now it's adversely affect my ability to refinance my mortgage. I provided Capital One with the requested information however, they have not updated my credit report, as they indicated they would.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Reward dollars were not issued correctly for multiple months. Contacted American Express in XX/XX/XXXX to resolve and they began looking into the issue. Have been told various conflicting items, including no error was found, to a check was issued in XX/XX/XXXX, and even a letter in XX/XX/XXXX stating an error was found and a statement credit would be issued. No one seems to have any clue what's going on and multiple " investigations '' have been opened with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
XXXX and Transunion are reporting incorrectly ( 30 ) days late on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) I had a second mortgage on a property that my brother and I owned. I have never been given a letter of demand from XXXX XXXX XXXX for the payment in full. Per the deed of trust, the payment in full demand must be made and not performed on to initiate foreclosure proceedings and verbiage on my credit. The inaccurate process and reporting on my credit is creating a financial hardship. I am unable to purchase a home with the credit reporting foreclosure. The second mortgage initiated a foreclosure on the property. We were never late on any mortgage payments and I have attached copies of the bank statements reflecting the monthly, on-time payment history. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.

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 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am writing because I have a problem arising from a debt not owed by myself to XXXX XXXX which is their error ( admitted by the XXXX company ) and is being handled by LVNV Nevada debt buyers.

I have previously disputed information both against LVNV and XXXX XXXX and the accounts were removed from the top 3 CRA 's database. Recently they have reinserted the account illegally and have begun their harassment anew.

XXXX XXXX knows that the account is an error on their end and have told me that despite this they can not adjust it as they do not have access to the system. they were supposed to contact LVNV about the error. I seem to be getting the run around here. One company knows the error of the debt is not accurate and the other is trying to collect upon it regardless.

As stated, I have previously won a dispute against both XXXX XXXX and LVNV and both accounts were placed back into my consumer credit files with the top 3 bureaus.

I feel I am not being helped along and no effort is being taken to correct the issue other than being given lip service about how sorry they are that I am in the middle of this matter. I am seeking assistance with the CFPB in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX, I called Barclays US MasterCard to see if they had a financial hardship plan. I was advised I had to be late in on payments in order to do that. I told them I would not hurt my credit by being late just to get on hardship. I said " you know I could file bankruptcy and you would get nothing. '' I hung on the person. I never told them I was doing it or hired an attorney to do it. They never received any documentation from me or any attorney that I was filing bankruptcy. This individual took it upon themselves to cancel my auto payment that was scheduled for XX/XX/XXXX, close my account without my knowledge and report it as late and closed to the three major credit bureaus. Barclays NEVER notified me of this either in writing in the form of a letter, call or email. Now my credit has been harmed significantly by removing the available credit, reporting as past due and closing by XXXX. I told them have 24 hours to reinstate my account, change the credit reporting, refund any late fees or charges and take the monthly payment. If they do not I will file a legal grievance against them. I want Barclays to pay me for financial damage to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE ACCOUNT FOR XXXX XXXX XXXX IS REALLY AFFECTING AND OBSTRUCTING ME FROM PURSUING A BETTER LIFESTYLE. PLEASE REMOVE IT IMMEDIATELY!!!!!!!, AS FOR IT IS AFFECTING MY CREDIT 'S HEALTH. THIS ACCOUNT WAS OPENED ON : XX/XX/2014 WITH AN OUTSTANDING BALANCE OF : XXXX, MAKING IT AN UNPAID CHARGE-OFF. NOTHING HAS BEEN DONE FOR THIS ACCOUNT NOR WERE ANY ACTIONS TAKEN.

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 2019-08-13 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: TX

Complaint narrative:
THE ACCOUNT FOR XXXX XXXX XXXX IS REALLY AFFECTING AND OBSTRUCTING ME FROM PURSUING A BETTER LIFESTYLE. PLEASE REMOVE IT IMMEDIATELY!!!!!!!, AS FOR IT IS AFFECTING MY CREDIT 'S HEALTH. THIS ACCOUNT WAS OPENED ON : XX/XX/2014 WITH AN OUTSTANDING BALANCE OF : XXXX, MAKING IT AN UNPAID CHARGE-OFF. NOTHING HAS BEEN DONE FOR THIS ACCOUNT NOR WERE ANY ACTIONS TAKEN.

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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE ACCOUNT OF DEPARTMENT OF EDUCATION/XXXX, IS REALLY AFFECTING MY CREDIT 'S STABILITY AND THE OVER-ALL HEALTH OF MY CREDIT REPORT AND SCORES. NOTHING WAS DONE TO SOLVE WHAT IS GOING ON WITH THESE ACCOUNTS AND A REASON TO WHY THEY'RE STILL REPORTING NEGATIVELY. APPARENTLY THEY ARE REPORTING 180 DAYS LATE IN PAYMENTS, WITH OUTSTANDING BALANCES OF : {$810.00}, {$1400.00}, {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: OH

Complaint narrative:
I was contacted about debt owed to XXXX by ERC for XXXX. I have never had an account with XXXX or any XXXX-affiliated company. This account was said to have been opened sometime in XXXX or XXXX of 2019. I have sent in a dispute of the debt to ERC and pursued disputes with the credit bureaus. One of the bureaus came back with this as a valid debt, but this is definitely not. This is an account opened due to identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  ; XXXX and Transunion are failing to update my credit report to reflect medical collection accounts that are currently in dispute. The dispute letters were sent out over ( 30 ) days ago which is more than adequate time for review and updating of my credit report. I respectfully request that this be addressed immediately. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful. Please update my credit report to reflect line items that are in dispute.

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 2019-08-13 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:
XXXX  ; Experian and XXXX are failing to update my credit report to reflect medical collection accounts that are currently in dispute. The dispute letters were sent out over ( 30 ) days ago which is more than adequate time for review and updating of my credit report. I respectfully request that this be addressed immediately. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful. Please update my credit report to reflect line items that are in dispute.

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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE ACCOUNT OF DEPARTMENT OF EDUCATION/XXXX, IS REALLY AFFECTING MY CREDIT 'S STABILITY AND THE OVER-ALL HEALTH OF MY CREDIT REPORT AND SCORES. NOTHING WAS DONE TO SOLVE WHAT IS GOING ON WITH THESE ACCOUNTS AND A REASON TO WHY THEY'RE STILL REPORTING NEGATIVELY. APPARENTLY THEY ARE REPORTING 180 DAYS LATE IN PAYMENTS, WITH OUTSTANDING BALANCES OF : {$810.00}, {$1400.00}, {$1500.00}.

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