vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
From XXXX XXXX thru XXXX my bank of America statements had A Bank of America XXXX XXXX XXXX XXXX   XXXX Address After that to present date XX/XX/XXXX my boa statements have both Bank of America XXXX XXXX XXXX XXXX  XXXX And Bank of America XXXX XXXX XXXX XXXX XXXX Address I did not have a phone or a computer from XX/XX/XXXX thru XX/XX/XXXX so I could not access my account from a phone or a computer I always to go in person to bank of America XXXX XXXX XXXX vXXXX XXXX XXXX The boa rep states that the XXXX XXXX  address is for online banking. I don't do online banking I did not do online banking access to my transactions until I got a phone in XX/XX/XXXX so please explain to me why the XXXX address was put on my account originally and who authorized it and then why it was changed to 2 addresses of both XXXX XXXX and XXXX XXXX and who authorized that.

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 2019-10-20 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: Sequoia Financial Services
State: CA

Complaint narrative:
Fraudulent Reporting to Credit Reporting Agencies of Debts I Do Not Owe. 

This collection agency is in violation of FCRA 1681s-2 for fraudulent and inaccurate reporting of debts.

Collection agency failed to comply with the Fair Debt Collection Practices Act ( FDCPA ), formally known as and codified under 15 USCA 1692 ( a-p ). This company failed to provide me with the following information : 1 ) Collection notice about the debt ; 2 ) Proof that I owe this debt ; 3 ) How this amount has been calculated in a way I can understand ; 4 ) Copies of papers or documents where I agreed to pay what you say I owe ; 5 ) Proof that they are licensed in CA, and license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO

Complaint narrative:
XXXX is reporting an old account on my report, via Onemain Financial, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand Onemain Financial provide evidence that I have not settled this account or it is I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both Onemain Financial and XXXX. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe Onemain Financial a dime, and they know it, and XXXX   should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax is reporting an old account on my report, via XXXX XXXX, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand XXXX XXXX provide evidence that I have not settled this account or it is I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both XXXX XXXX and Equifax. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe XXXX XXXX a dime, and they know it, and Equifax should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
XXXX  is reporting an old account on my report, via American Express, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand American Express provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both American Express and XXXX. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe American Express a dime, and they know it, and XXXX   should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax is reporting an old account on my report, via XXXX XXXX, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand XXXX XXXX provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both XXXX XXXX and Equifax. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe XXXX XXXX a dime, and they know it, and Equifax should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
XXXX  is reporting an old account on my report, via SYNCB/Care Credit, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand SYNCB/Care Credit provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both SYNCB/Care Credit and XXXX. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe SYMCB/Care Credit a dime, and they know it, and XXXX  should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum  any negative remarks on it should be removed from my credit 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 2019-10-20 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax is reporting an old account on my report, via XXXX XXXX, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand XXXX XXXX provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both XXXX XXXX and Equifax. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe XXXX XXXX a dime, and they know it, and Equifax should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX is reporting an old account on my report, via Capital One Bank USA, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand Capital One Bank USA provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both Capital One Bank USA and XXXX. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe Capital One Bank USA a dime, and they know it, and XXXX should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax is reporting an old account on my report, via XXXX XXXX XXXX XXXX, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand XXXX  XXXX XXXX XXXX provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both XXXX XXXX XXXX XXXX and Equifax. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe XXXX  XXXX XXXX   XXXX a dime, and they know it, and Equifax should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Fraudulent Reporting to Credit Reporting Agencies of a Debt I Do Not Owe ; This collection agency is in violation of FCRA 1681s-2. 

This collection agency is in violation of the Fair Debt Collection Practices Act ( FDCPA ), formally known as and codified under 15 USCA 1692 ( a-p ) as they failed to provide me with the following information : 1 ) Collection notice about the debt ; 2 ) Proof that I owe this debt ; 3 ) How this amount has been calculated in a way I can understand ; 4 ) Copies of papers or documents where I agreed to pay what you say I owe ; 5 ) Proof that you are licensed in CA, and provide this license number to 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 2019-10-20 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: MARINER FINANCE, LLC
State: MO

Complaint narrative:
XXXX is reporting an old account on my report, via Personal Finance, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand Personal Finance provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both Personal Finance and XXXX. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe Personal Finance a dime, and they know it, and XXXX  should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit 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 2019-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: CA

Complaint narrative:
AMCOL SYSTEMS INC is reporting a paid medical collection on my XXXX {$0.00} balance. And they have a balance of {$260.00} on my XXXX. They are false reporting on my credit report. I need them to delete this collection off the 3 credit bureaus they are violating the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On two ( 2 ) different occasions, Ally Financial as failed to effectively communicate with me the following : 1. How much they sold the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX that I had leased. 
2. Why they refused to offer my financing rates upon the end of my lease regarding the XXXX XXXX that I had leased. 
3. The status/location of the XXXX XXXX XXXX XXXX for which I was in an accident in on XX/XX/XXXX. Although they claim I did not have collision on the vehicle at the time, I have proof that is attached to this email that shows I did indeed believe I had or would have collision coverage on my policy. 
4. My personal belongings located inside of the XXXX XXXX XXXX XXXX have not been returned to me. 
5. Why XXXX XXXX did not respond to my faxed letters. 
6. I did purchase GAP insurance through the company XXXX. Please see 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 2019-10-20 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: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
This collection agency is reporting a same account on my XXXX TWICE. And also is reporting with different names on all 3 credit bureaus. I recently disputed this error followed by the fair credit reporting act but they have not yet removed this account from my 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I saw a promotional offer by Amex Delta Gold Business for XXXX bonus for $ XXXX spend in first 3 months & {$50.00} statement credit with Delta purchase on XXXX ( XXXX ) that didn't expire until XX/XX/2019. I joined due to this AMEX/Delta advertisement. 

Afraid to apply to unknown sites, I applied on the primary AMEX website because I already had an account and wanted to avoid phishing of personal information from unknown sites. I also called Delta/Amex and was told to apply online ( instead of the phone ) to get a temporary number so I can book flight tickets immediately. I actually didn't get a temporary # which resulted in my airfare going up {$200.00} and added a stop over/longer wait time waiting for the credit card.. 

Once I got my card in the mail ~XXXX, I called AMEX to honor the bonus I saw on their marketing sites ( XXXX  ) which I have a screen capture. The AMEX representative said she couldn't do anything and only could get XXXX.. 

I explained to her that's really unfair for an AMEX marketing currently available which I'm aware not to be honor when a customer want to be reassure to use a legitimate primary AMEX site to apply. 

How would a consumer know which website is legitimate or not to apply to assure they get the current marketing offer? I contacted them as soon as I got my physical card and the promotional offer is still valid. I didn't call a year later or even a month later. Most stores honor an advertisement difference in 30 days, why can't credit cards advertisement be held to this to assure consumer personal information won't be taken trying to take advantage of promotional offers?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: Grant & Weber
State: CA

Complaint narrative:
This collection agency is in violation of FCRA 1681s-2 for fraudulent reporting to credit reporting agencies of a debt I do not owe. 

This collection agency is also in violation of the Fair Debt Collection Practices Act ( FDCPA ), formally known as and codified under 15 USCA 1692 ( a-p ) as they failed to provide me with the following information : 1 ) Collection notice about the debt ; 2 ) Proof that I owe this debt ; 3 ) How this amount has been calculated in a way I can understand ; 4 ) Copies of papers or documents where I agreed to pay what you say I owe ; 5 ) Proof that they are licensed in CA, and failed to provide license number  to 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 2019-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX, I processed a transaction through PayPal. I only learned after the transaction that PayPal automated the wrong account ( an account that has not been used in several months and had since been closed ). Immediately, I processed the transaction with the current bank account ( resulting in a duplicative payment for the same thing ) and called paypal right away to state that they were not authorized to use my old, closed account as an automated preferred method of payment for the first transaction. My recent paypal transaction history is clear as to which account is supposed to be automated ( the current, open account ).

Within minutes of the first transaction being processed, I tried to have paypal cancel that transaction, which they refused. I had no choice but to file a dispute that same day, XX/XX/XXXX, which was later denied. Today, I went to pay a different merchant and I only learned in my email confirmation that they UNILATERALLY added the {$160.00} negative balance they credited against me for the wrongful transaction that they honored on XX/XX/XXXX, which results in paypal charging me in a completely unauthorized way. I want paypal to refund the {$160.00} for the transaction that they should have canceled on XX/XX/XXXX, as requested. 

The upload shows the dispute that I filed the same day the wrong transaction was processed since PayPal simply wouldn't cancel the payment. They denied my dispute, yet later charge me for it. Another upload shows what I saw when I paid a merchant ( at no time did it state that I would be paying for extra charges related to the previously disputed transaction ). I only learned of it via the attached email confirmation sent AFTER they charged me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I checked my credit after being denied multiple times for a new auto loan. I noticed an account for ARS ACCOUNT RESOLUTION in the amount of {$96.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX XXXX XXXX. First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act.

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