vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Regional Recovery Services
State: IN

Complaint narrative:
XXXX has begun to delete these items. XXXX is in process. Complaints have also being filed with the Indiana Atty General, FTC, & XXXX XXXXXXXX XXXX XXXX. Inquiry has also been sent to a consumer protection attorney. I am fighting to keep XXXX  from readding these items by changing the dollar amounts and account numbers by 1 digit. 

I have attached the additional correspondence my atty initially sent ( XX/XX/XXXX ) encompassing ANY and ALL medical debt they receive. 

The response to my most recent complaint said they have gotten bills from as recent as XX/XX/XXXX insinuating these don't involve the malpractice suit regarding the incident in XX/XX/XXXX. This letter from my attorney is dated XX/XX/XXXX, MEANING YOU KNEW ABOUT THE REQUEST BEFORE YOU STARTED REPORTING THINGS from your stated date of XX/XX/XXXX. 

Recap : Dates of service XX/XX/XXXX- NOW ( XXXX ) Attorney letter sent AGAIN stating ALL BILLS YOU RECEIVE SHOULD BE HELD : XX/XX/XXXX You stated you have bills from XX/XX/XXXX ( Um, the letters to you from my lawyer naming your specific clients as well as ANY debt you receive was sent on XX/XX/XXXX ) M A R C H of XXXX XXXX XXXX ( XX/XX/XXXX ) TEXT FROM MOST RECENT COMPLAINT : These people are continuing to report inaccurate accounts on my credit! They have added XXXX accounts with different amounts. ALL OF THESE BILLS ARE PART OF SERVICES RENDERED THAT ARE NOW PART OF A MALPRACTICE LAWSUIT. DATES XX/XX/XXXX - CURRENT. They added an account to my credit for {$9.00}. XXXX DOLLARS! AGAIN, MY LAWYER HAS SENT THEM LETTERS REPEATEDLY AFTER VERIFYING ALL OF THE ACCOUNTS THEY HAVE WITH THEM ARE PART OF A MALPRACTICE LAWSUIT. ANY DATES OF SERVICE BETWEEN XX/XX/XXXX AND NOW ARE TO BE HELD, PER THE CRYSTAL CLEAR LETTER XXXX AND THEIR ILLITERATE CLIENTS FAIL TO READ. Any XXXX collections from Regional Recovery, XXXX XXXX, XXXX XXXX, or other medical related collections are being placed on my report out of spite due to pending litigation. Dates of service are XX/XX/XXXX to CURRENT. These entities have chosen to ignore repeated requests from counsel to pause collection efforts until case resolution. They are also changing account numbers and balances by 1 number to report the same debt more than once on my reports. Regional Recovery Services has a poor XXXX rating and are under investigation for consumer fraud. I have been successful in getting these accounts removed from my XXXX report but XXXX will just keep changing account numbers and amounts to add them back like they have been doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was scammed into sending {$2000.00} to someone on Sunday XX/XX/XXXX using the XXXX service with Chase Bank. I received a text message on XX/XX/XXXX at XXXX stating " Chase Bank has an urgent message for XXXX XXXX to receive a call about unauthorized transactions please reply yes. '' Next, I received a phone call from the same number and the person on the phone walked me through a process that I now realize was designed to look as if I sent the money to myself to another account at another bank. I called Chase Bank 's fraud phone number and was told they couldn't help and I would have to talk to their claims department which was closed on Sunday. When I called on Monday XX/XX/XXXX, I was asked by the online fraud dept why their department didn't stop the transactions rather than send me to claims which was closed? Chase failed to offer me the help I needed on the day of the scam. I have been sent back and forth between Chase Bank and XXXX with everyone stating they can't help me, that there is no recourse and no way to get the money back or reimburse me. Chase and 6 other large banks own the service but they offer no fraud protection or help. I can't afford to lose {$2000.00}. I lost my corporate job on XX/XX/XXXX due to a downsizing layoff and my marriage is on rocky ground already. This is a catastrophic situation for me right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/2022 I sent a certified letter to Portfolio Reovery the address is XXXX XXXX XXXX, XXXX VaXXXX. I sent a debt validation letter asking them for proof of original debt and if that could not be supplied they needed to remove the negative items listed on all three of my credit reports. They signed for the certified letter but it has been over 30 days now and I have not heard anything from them but the negative information is stil on my report. I want the negative information removed from all three of my credit reports since they did not show me proof as requested via certified letter of the original debt. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
An account from a lender listed multiple ways on my report ( ACIMA CREDIT FKA XXXX, ACIMA CREDIT , XXXX, ACIMA CREDIT , XXXX, ACIMA CREDIT XXXX and ACIMA CREDIT XXXX  ) on XXXX XXXX in which I immediately contacted the credit report bureau ( XXXX ) to dispute this matter as I have never requested a line of credit of any sort from this lender. The inquiries were removed by the agency ( 1 REMAINED ) which prompted several rounds of dispute which were not resolved to my satisfaction in which my report updated with the following remarks, " he companies that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. The most recent update. '' The account originally appeared as " LATE '' however now reflects as charge off after speaking with several customer service reps from the company. I was able to obtain the rental contract which does not reflect ANY of my information ( address, signature, phone number, email. etc ... therefore was not properly investigated, reviewing, verified and/or validated. Please see all attached information including several communications with members from the ACIMA company. Per the XX/XX/2021 XXXX Dispute Results ( Report number XXXX ) Assistance from the CFPB

is warranted in this matter. Thanks in adv
ance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I paid my XXXX credit card off as agreed and they still have refused to remove it from my credit report after being told that they would over the phone. I have made disputes and it is still there. Also, I am unaware of Capital One Auto inquiry on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Dear Staff, today, XX/XX/XXXX I contacted Navient concerning my private student loan and the eligibility requirements for the Navient Settlement. I was told initially, that my private loan was not eligible then, i was told no one could see if my private was eligible or not. I am attaching my loan history to provide evidence that my loan was attained between XXXX XXXX, while attending XXXX XXXX University and University XXXX XXXX, and was delinquent beginning XXXX more than 11 consecutive months, which is prior to the deadline and I have a subprime rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I asked the credit bureaus to investigate every piece of information on the accounts I have listed below. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the following reports attached. 

Accounts : XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked the credit bureaus to investigate every piece of information on the accounts I have listed below. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the following reports attached. 

Accounts : XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I have tried to communicate this issue only to have BMW financial services yet they claim they do not believe I am the one sending the correspondence I have attached notice of billing error along with evidence stated in my notice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I have reached out to the Department of Education/XXXXAidvantage in regards to the incorrect, damaging late payments on my student loans that antler being reported as accurate to the credit bureaus. These late payments were reported for a 2 month time span between XX/XX/XXXX and XX/XX/XXXX. To my knowledge and per the agreement with the loan companies, it had been established with the loan provider that my student loan payments were under deferment during this time. I have never received a notice and/or alert that these accounts would be in a derogatory status. Had I been properly notified in a timely manner, I assure you I would have been able to contact the loan provider and make the proper arrangement to continue satisfactory account status. According to the FCRA, there is no rule or statute preventing an update to the derogatory payment status. I have not been able to come to a resolution regarding my student loans and request that the last payments are updated according to the agreement in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX , I am a federally protected consumer and authorized representative for XXXX XXXX XXXX I am making this complaint of my own accord. Upon recent inspection of my consumer report feel my rights as a consumer have been violated by credit reporting agencies XXXX XXXX, XXXX and Equifax Information services. According to the FCRA, the ONLY " bureau '' is the CFPB. While I understand the credit reporting agencies have assumed a role in reporting, it is FEDERAL LAW that the information be ACCURATE! Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ), the term " consumer report '' DOES NOT INCLUDE - any authorization OR approval of a specific expansion of credit directly OR indirectly by the issue of a credit card OR similar device. I extended my social security card which is defined under 15 USC 1602 ( l ) as a " credit card '', for the purpose of obtaining money, property, labor or services on credit. Neither of the credit reporting agencies have my consent or permissible purpose to furnish the following inaccurate and not physically verified private personal information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX UNKNOWN FURNISHER  account # XXXX ( {$400.00} ) UNKNOWN FURNISHER account # XXXX ( {$220.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I recently opened an account with Venmo. After a few days, my account was frozen and ultimately indefinitely deactivated. In the course of this I received {$140.00}. Venmo now refuses to return the money to the original sender for 180 days. The first reason for the deactivation was that I violate the User Agreement. Then I was told that Venmo had concerns about my recent activity. Then I was told that Venmo had security concerns. Despite repeated requests that I be advised as to how I violated the User Agreement, what recent activity was concerning and what are the security concerns Venmo refuses to provide the information and continues to withhold the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 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: FL

Complaint narrative:
Equifax will not remove a duplicate entry of a credit collection company off of my report. Representatives at equifax agreed it was the same account listed with different open dates as to harasses ( me ) the consumer. Under the Fair Credit Reporting Act Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/2022 I received a letter in the mail stating my account ending in XXXX was being closed because of activity on another account. The problem is I still have a credit limit available on this particular card and I am experiencing identity theft. The very next day after the letter a website called XXXX asked me to apply for the credit card again because I am still having something called " good credit ''. I than applied for the card and was denied after the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: AZ

Complaint narrative:
re : National Recovery Agency, XXXXXXXX XXXXOn XX/XX/XXXX I first learned of this debt when they sent a text to my husband 's number. They did have my number but known sent it to someone else. 
I called and tried to communicate with them but they hung up on me bc I would not verify my information when all I had received was a text to a number that is not mine. I did provide my info eventually and send a formal dispute.

I called the medical provider/creditor and they had mistakenly listed my current address as invalid and I never received a bill of any kind. 
On XX/XX/XXXX after confirming the debt with my insurance provider, I paid the provider in full who promised to notify the collection agency. 
On XX/XX/XXXX I received my first written communication from either the collection agency or medical provider/creditor and that was only a copy of the creditor statement dated XX/XX/22. 
On XX/XX/1922 I received notice that they reported me to the credit reporting agencies. 
This agency is aggressive, rude and wrong at every level.

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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Army and Air Force Exchange Service
State: WA

Complaint narrative:
Good morning Ms. or Mr., I am currently in the XXXX  and purchased a XXXX  at the military exchange on XX/XX/XXXX. It was on promotion that offered 0 % interest and no payment for 12 months. 
Considering my credit utilization and income-to-debt ratio, I took the deal because I would have more room to make a monthly payment by the time the payment starts. 

I noticed that the full balance was outstanding and it says I missed the payment due in XX/XX/XXXX. I called the customer center and they said there was nothing they could do, but they admitted that I was right on the promotion. They said the reason I was delinquent was that I did not stop auto-payment which I set up to prevent late payments since the day first I had the military star card. I wanted them to confirm the promotion in the time frame where I purchased the laptop and the manager at the customer center emailed me with the information ( Please, see attached ). However, the balance was still outstanding, and eventually, it started hitting my credit record. 

I remember I called them back in late XXXX or early XXXX and told them that it starts hitting my credit record and I want you to fix and stop reporting this. However, they told me to reach out to their headquarters which I did, and haven't had anything back from them ( Please, see attached ). 

Now, all three credit bureaus were reported and I am delinquent. 
As you can see on my credit reports, I have never missed any payments. I know what and how I spend my money and this is unfair for a customer to spend time and effort disputing and be suffered mentally. 

I wish you can help me to recover my credit reports and scores, and stop AAFES to report false information about my credit disciplinary. 

Thank you

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