vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: LA

Complaint narrative:
I keep getting collections from an XXXX XXXX  visit at XXXX XXXX. I am a military spouse and have insurance but they did not bill properly or send mail to my address. They sent to my mom and she said she only received a final notice. Ive been in contact with them and my insurance company. Yet I am still getting phone calls. Even the day I had my XXXX XXXX XXXX removed and XXXX XXXX  and couldnt talk due to XXXX. It is causing much unneeded stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANKMOBILE TECHNOLOGIES, INC
State: MA

Complaint narrative:
I requested that my XXXX XXXX account, offered by BMTX and held at XXXX XXXX, be closed on XX/XX/XXXX. I received a response from the depository institution/marketer on XX/XX/XXXX, falsely dated XX/XX/XXXX. In their response the bank claimed to have initiated a discretionary closure based on suspicious activity. 

The last activity in the account were withdrawals on XXXX and XX/XX/XXXX leaving a XXXX balance. The withdrawals were made in advance of my request for account closure. Both transactions were processed by the bank without inquiry, refuting any claim that the bank found them suspicious.

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 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: OH

Complaint narrative:
This collection company put an erroneous account on my credit files. I have not been contacted by anyone via phone or mail. This account was previous with some other collection agency back in XX/XX/2021. I asked for debt validation which they could not provide. Account was then removed from my credit and they sold the account. I don't owe this. I disputed this with the credit bureaus but they didn't remove the account. I want this account DELETED off my credit file. How can these companies report negative information and fail to provide any debt validation? This isn't right and it needs to be addressed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter about inaccurate and misleading information on my consumer report. To this date it has been 47days and still no response. It has been a tough time for me especially due to covid and with this failure to comply with the law it has had a great impact on me moving forward. I have been reading up on 611 ( A ) of title 15 chapter 41and realized this is a violation of my rights. The information I presented should be deleted immediately or I will file for litigation because of the great amount of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Professional Debt Mediation, Inc.
State: AR

Complaint narrative:
I moved out of the XXXX XXXX XXXX  on XX/XX/XXXX and received a receipt that I had a XXXX  balance. Then when I was trying to lease a new apartment, the new apartment leasing agent said that I had a balance of {$100.00} owed to XXXX XXXX XXXX. I went to XXXX XXXX XXXX  on XX/XX/XXXX and asked what this {$100.00} balance was for. They could not find any balance owed yet they had sent me to collections for this {$100.00}. The collection company is Professional Debt. I paid {$100.00} to XXXX XXXX XXXX  even though I didn't have a balance with them, but I needed to get into my new apartment. I have attached the receipt that I received from XXXX XXXX XXXX  on XX/XX/XXXX showing I had a {$0.00} balance plus the {$100.00} paid that I didn't owe. Both the collection and the balance of {$100.00} are being reported to all 3 of my credit reports. This Professional Debt collection should have never been reported to my credit reports at all. Below is the address for the collection company. 

PROFESSIONAL DEBT MEDIAT XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) 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 2021-08-16 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: CA

Complaint narrative:
XXXX XXXX  is still reporting a balance on a settled account to Equifax. 
The account was settled nearly three months ago and should have been updated by now. 
This is making it difficult to secure a loan and hurting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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:
According to my credit report with Experian the amount I owed XXXX XXXX is {$8100.00} but this amount was charged off and written off. If company wrote off this account off on their taxes than I would no longer owe this money.

Below is copied from my credit report : Account charged off. {$8100.00} written off. {$8100.00} past due as of XXXX 2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: IL

Complaint narrative:
I received a letter from Transunion stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. In fact if they did not honor my original request to verify the items contained in my previous letter, mailed via certified mail. 
I have included my original disputes for your convenience below : The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged items, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. Mistaken Identity XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

2. Mistaken Identity XXXX Account Number : XXXX Please remove this account from my credit report immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA
State: CO

Complaint narrative:
When working with a counselor at XXXX XXXX XXXX in 2003, they directed me to take out private loans as the best option. This was not the best option for many reasons, also my loans would have been forgiven through XXXX XXXX XXXX XXXX if they were federal because of the fraudulent activity found with XXXX XXXX practices. American Education Services does not acknowledge these fraudulent activities and unwilling to make any changes to my loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Account Information Name : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX, XXXX. 
Outstanding Balance : {$120.00} Payment Amount : {$120.00} Make a payment now You are making a payment of {$120.00} towards your balance of {$120.00} due to XXXX XXXXXXXX 








Card Bank Transfer Credit or Debit All fields required. 




Name ( As appears on card ) Card Postal / Zip Code I made a reservation thru XXXX Hotels for the amount of {$120.00}. I immediately cancelled the reservation. XXXX XXXX has been charging me amount due. I have sent them documentation to let them know that XXXX confirmed the cancelation. 

Now it is in collection via TrueAccord. TrueAccord at XXXX or ( XXXX ) XXXX. This is the organization that is requesting debt collection. 

I will not pay them for a service that was not provided to me whatsoever. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/2021, I submitted an application for a Hilton Honors American Express XXXX XXXX ( ref. no. XXXX ). Several days later, I received a letter via USPS from American Express informing me they wanted to verify my total income, and as such I was to sign and return IRS 4605-C so they could obtain my tax transcript. That same day, I completed the form and returned it to AmEx using their upload portal. 

A week later, I checked the status of my application on AmEx 's website and saw my application was still in processing. I called AmEx to inquire if the documents were received, and I was told they were and to check back a few days later for an update. When I checked on XX/XX/XXXX, I saw the application was still in process so I decided to contact AmEx. 

When I contacted AmEx on XX/XX/2021 at XXXX EDT, the representative told me my application was declined. I told her that the website says it's still processing, and she asked me to hold so she could check further with he back office operations. After holding for a few minutes, she told me they were processing my application as I was on the phone. I remained on hold another 10 minutes or so, at which point the representative returned and told me my application was denied because the income I stated on my application was not consistent with the income revealed from IRS transcripts. 

On the income disclosure part of American Express ' application, it specifically states, " include all income available to you. '' Prior to completing the application, I contacted AmEx New Accounts and asked what this meant, and I was told that I should reveal all income that is regularly deposited into my bank account or joint bank account. As such, I stated my income to be {$120000.00} per year. My personal income portion of the {$120000.00} is approximately {$28000.00}, and the remainder is my husband 's income which is deposited into our JOINT checking account. When I submitted the 4506-C to AmEx, I included copies of bank statements reflecting this additional income. 

AmEx 's reasoning for declining my application is not justified considering I did exactly what was asked and answered the income disclosure question honestly and transparently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Great day, I purchased a car from XXXX XXXX in XX/XX/XXXX. The car was having a safety issue that the dealership ( XXXX XXXX XXXX  ) along with XXXX 's support team could not fix. With help from XXXX XXXX XXXX XXXX through New Jersey division of consumer affairs. A final attempt of repair was made in XX/XX/XXXX. The problem still persisted. A repurchase offer was made in XX/XX/XXXX by XXXX XXXX a Senior Specialist Customer Resolution & Retention with XXXX XXXX XXXX XXXX ( which owns XXXX  ), and the closing coordinator was XXXX XXXX An agreement was made in XX/XX/XXXX, and the account was placed in a protective status through XXXX. I made XXXX XXXX payment, but XXXX XXXX requested a check from XXXX financial because the account was placed in a protective status and I was not required to make XXXX XXXX payment. The car was returned on XX/XX/XXXX. Due to the car being defected, all monthly payments and upfront costs at the time of the sale were refunded ( except for XXXX XXXX payment ). The account was closed once paid off by the XXXX retention team. But it placed two monthly payments that were in a protective status as 30 days late. This information is false and doesnt follow the Fair credit 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
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I didn't receive my package and PayPal will not refund the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16 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: GA

Complaint narrative:
Disputed information submitted has not been updated, credit card account is still showing incorrect information, someone is falsely stating incorrect 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 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX XXXX calls me 10+ times a day every 20 minutes all day long, sometimes theyll hang up and call right back, I am only 2 weeks late on my payment because I lost my job, I tried to explain this to them but they tell me it is not their issue and they dont have to stop calling me even though I have promised to catch up before the next payment is due, it is highly stressful because I cant even receive regular phone calls with them calling at all hours of the day. If I have explained my situation and promised to handle the outstanding balance before 30 days then they need to STOP. See attached photos for proof of the excessive calling, I cant even fit all of them in 1-2 screenshots, its XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16 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: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake financial is still reporting a balance on a settled account to XXXX. 
The account was settled nearly three months ago and should have been updated by now. 
This is making it difficult to secure a loan and hurting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a chase Ink business credit card. 
Opened this account XX/XX/XXXX. 

When the pandemic hit, we went through hardship and my wife and I were on unemployment. We were receiving money from unemployment. This was used to survive during XXXX. 

So we could not pay as we would have wanted to. So Chase closed the account. I have had a long history with Chase bank and this is the first card that has been like this because of situations outside of my control. 

So because we could not pay, we deferred payment and had many late payments on my credit record. 

We sold our house for extra short term income in XXXX and paid a lump sum to the card through those proceeds on XX/XX/XXXX. 
I paid {$8100.00} on XX/XX/XXXX to the card. 

My wife and I have started our own businesses to try and make ends meet from the proceeds of our house sale. The reason there was a gap between when we sold and when we paid the card was because survival was our focus. 

I called XX/XX/XXXX to chase to see if there was anything that could be done to remove the late payments from my credit records but Chase said nothing could be done. In order for me to continue to do business and expand, I would need credit cards but because of this, I am not able to open or qualify for a business credit card. 

I have the funds to pay it off now but wanted help. what would be the amount i would need to pay if they accept so that they could remove all the late payments on my reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: CA

Complaint narrative:
someone stole my identity while i was in XXXX  and was recieving my social security benefits on a prepaid NetSpend card. 
while before I went to XXXX  i was recieving paper checks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: First Colony Mortgage Corp.
State: UT

Complaint narrative:
On XX/XX/2021 I received an alert through XXXX that a hard copy Mortgage inquiry from First Colony Mortgage. I first called XXXX XXXX that confirmed the inquires, they said it was showing on all 3 of my Credit Reports. I then called First Colony Mortgage ( XXXX ) and was told they didn't show any inquiry pulled. I tried unsuccessfully to put a freeze on my XXXX & XXXX accounts. I called The Consumer Financial Protection Bureau & they told me to contact you to place a complaint against First Colony Mortgage to get this hard inquiry that I didn't initiate removed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Account Information Name : XXXX XXXX XXXX Account Number : XXXX Creditor : Affirm , Inc . 
Outstanding Balance : {$120.00} Payment Amount : {$120.00} Make a payment now You are making a payment of {$120.00} towards your balance of {$120.00} due to Affirm, Inc..

Card Bank Transfer Credit or Debit All fields required.

Name ( As appears on card ) Card Postal / Zip Code I made a reservation thru XXXX XXXX  for the amount of {$120.00}. I immediately cancelled the reservation. Affirm Inc. has been charging me amount due. I have sent them documentation to let them know that XXXX confirmed the cancelation. 

Now it is in collection via XXXX. XXXX  at XXXX or ( XXXX ) XXXX. This is the organization that is requesting debt collection. 

I will not pay them for a service that was not provided to me whatsoever. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: OK

Complaint narrative:
Now in the XXXX ( a ) prohibits a company from furnishing inaccurate information to a CRA. XXXX XXXX is reporting inaccurate information on my credit report. Please see attached the information and proof of inaccurate reporting, Please DELETE this information on my credit report. They are currently reporting twice on my Equifax credit report which is a FCRA violation ( please see attached proof ), the have reinserted this account back on my XXXX  credit report without written notice, which is a FCRA violation. On my credit report, the account number changed from XXXX and XXXX, and XXXX now to account number XXXX in a matter of a couple of weeks. I didnt get a written notifications that this was changed or anything. They have also changed the portfolio status from one company, XXXX XXXX  XXXX XXXX  to now XXXX XXXX XXXX XXXX. Also see highlighted that the address had changed. Please attach the proof of inaccuracy when it comes to this account on my credit report. The information that they are reporting to the credit bureau is not accurate and i have attache proof that they are violating the FCRA. A proper investigation is not being done to correct this reporting. The last date active is all different, the date opened is different, and on Equifax is showing its late 120 days with a balance in collection. The reporting again is inaccurate. 
XXXX  and XXXX  was unable to properly verify that the reporting information on this account is correct. I know all three major bureaus falls under the FCRA guidelines. Please tell me how Equifax is different?

Company response to consumer: Closed with explanation