vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have mail off many certify to correct this issue with Experian ( XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX. 

I have recently been informed that there is negative information reported by XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing derogatory. 
I challenge the accuracy, compliance and report ability of this listing. 
Please validate this information with above listed accounts and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

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 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citibank N.A cancelled and discharged the Home Depot revolving debt on my credit report back in XX/XX/2014 ( proof attached ). The only Citibank representative that would talk to me was XXXX XXXX whom stated she worked for the office of the president and declared that the debt is again valid and that I need to pay it. XXXX XXXX stated that she was the highest level of anyone to talk at Citibank and that my only option was to pay the " valid debt '' even tho I sent proof multiple times that the debt was cancelled and discharged and should have been removed from my credit report and collection attempts.

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 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Analysts of MN, Inc.
State: CA

Complaint narrative:
I was seen in the Emergency Room in Minnesota while I was visiting my great grandkids out there. I was very sick and they took films, cost {$450.00}. I was covered by XXXX at the time. I gave them my card before I was seen. I contacted XXXX when I returned to California. I gave them the account number of the bill, date, and mailing address. They said they would pay it, but they did not. Subsequent calls from their collection agency were answered and they seemed satisfied, but then I find this issue on 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 2018-04-27 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My student loan XXXX was transferred to XXXX XXXX from XXXX XXXX in 2013. XXXX XXXX is reporting the account had late or past due payments but this is not true since I had " in school '' deferral and XXXX XXXX did not send that information to XXXX. I did settle the account in a lump sum with XXXX   - but I was never late as I had an in-school deferral.

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 2018-04-27 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Multiple disputes with Equifax since XX/XX/XXXX. They are the only bureau that continues to report a bankruptcy that was discharged in XX/XX/XXXX. Continues to negatively impact score. Also unable to access dispute investigations or to access annual free credit report since Equifax insists my identifying information does not match their file information. Again, this is the only bureau that has this issue and does not allow me to view information. Chat transcripts reflect their agents direct me to telephone assistance however the off-shore agents refer me back to the website. Circular frustration ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: WA

Complaint narrative:
I was promised XXXX membership rewards points after {$5000.00} in spend in the first 3 months on my Amex personal platinum. There was confusion on American Express side because they credited the MR points prematurely. I had refunds coming and even though I had refunds in the first week, they- American Express- wrongly gave me the points. But I knew I had those refunds coming which is why I DID NOT withdraw the points, and i knew in the three months Id spend the {$5000.00}. I DID NOT withdraw the points that were deposited prematurely because I was demonstrating my honesty. If I was trying to defraud American Express, I would have transferred out those Membership Rewards points American Express prematurely credited to my account at that time. 

Instead American Express just gave me the points, then took them away and accused me of fraud. Instead of talking to me, or taking a wider look at the situation as a whole American Express could have very easily determined they had made a mistake in their conclusions. Amex was misleading, and they did not act in good faith. Had they only waited till my first statement was generated to give me the points, or at the very least second statement, they would have seen that I met the required spend without a problem. I have never committed any fraud when it comes to bonuses, and in addition I have a very high credit score. I didnt get that by being dishonest, and I rebuff any slanderous, or libelous claims American Express tries to make about me, or my stellar credit behavior. 

In addition to American Express disgusting behavior towards me on my XXXX membership reward point bonus I am entitled to, Amex also defrauded me out of my XXXX XXXX XXXX points on my American Express XXXX XXXX business card. As well as XXXX XXXX points on my personal XXXX XXXX XXXX. They now tell me it will take 6 to 8 weeks to transfer these XXXX points to my XXXX account, even though Ive already met the spend and all conditions relating to the XXXX bonuses. Ive already met all the conditions that they require of me to get my XXXX XXXX points. This is outrageous and fraudaulent behavior by American Express. 

I demand three things I am entitled to for which I followed the rules on, and that I have earned : 1. XXXX Membership Rewards Points on my American Express XXXX XXXX. 

2. My XXXX XXXX XXXX sign up bonus points for my XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX points on my personal XXXX XXXX XXXX for adding four authorized users and meeting the terms and conditions for that promotion. 

I am tired of American Express playing games, locking out rule abiding customers, and not using common sense when it comes to these bonus scenarios. I hold them completely culpable, and demand what is rightfully mine as quickly as possible to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: Prosper Marketplace, Inc.
State: TN

Complaint narrative:
This is not a joke, Prosper Marketplace has used my dispute against me and is trying to shake me down for money, and has now doubled my balance owed in just one month and now is reporting late payments every month. Back in XXXX, I contacted Prosper Marketplace to let them know about their reporting issues on my personal credit reports was inaccurate- and they said they would investigate ; but instead they contacted the credit bureaus and told them I owed DOUBLE the original amount!!, and that I needed to pay or " handle this matter '' ASAP!! This really happened and I can't imagine how many laws were broken in trying to shake me down. Prosper marketplace is now reporting a balance of {$6600.00} on a loan they state I personally received in 2011 for {$3400.00}. I couldn't believe it so I reached out further, and their ( Prosper ) only answer was to state that they sent me an " identify theft package '' to help me. Prosper is the one who is using my identity incorrectly!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On XX/XX/XXXX, I used two different credit cards at check out to pay for my room and the room for the Fire Captain assigned to escort my husband 's body back to the U.S. When I checked online banking records on XX/XX/XXXX, I discovered that the XXXX XXXX XXXX had used card XXXX for both rooms while also using the correct second card XXXX for the Captain 's room. I filed an online dispute with Navy Federal on XX/XX/XXXX. After providing NFCU with multiple proofs of the duplicate charge ( the separate folio payment records from the hotel ), NFCU sent me a letter dated XX/XX/XXXX that advised they found no error and they were recharging the account. Included with the letter was proof that the second card ending in XXXX had indeed been charged for the second room. Despite this, NFCU posted a THIRD charge to card XXXX. I have attached a screenshot of all transactions concerning the XXXX XXXX on card XXXX showing the three room charges for transactions on XX/XX/XXXX ( check-out from the two rooms ) with two posted on XX/XX/XXXX and one posted on XX/XX/XXXX. ( Please disregard the smaller charge of XXXX. This was for drycleaning. ) Therefore, Navy Federal refuses to acknowledge that they have now facilitated/honored FOUR charges to the XXXX XXXX for the two room charges on XX/XX/XXXX : three on card XXXX and one on card XXXX. By the hotel 's own legal VAT invoices ( attached ) for these overnight stays, only two charges are legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
I would like to submit a complaint against ( Louisiana Recovery Services )  regarding unknown medical account ( s ) ( XXXX ) ( {$140.00} ) and ( XXXX ) ( {$140.00} ) reporting on my credit files. I mailed ( Louisiana Recovery Services ) a  certified, registered and tracked letter via the United Stated Postal Services on  XX/XX/XXXX requesting validation of the account ( s ) ( Louisiana Recovery Services ) was reporting on my credit report ( s ). ( Louisiana Recovery Services ) has not  responded to my letter requesting debt validation. Therefore, I contacted the original creditors listed on my credit report ( s ) that ( Louisiana Recovery Services ) claimed to be collecting for. The original creditor ( s ) I spoke with stated I did not have any outstanding account ( s ) /debt ( s ) and that XXXX had paid all account ( s ) /bills. Additionally, the original creditors stated the account ( s ) I was inquiring about were well over six to seven years old. Which means the account ( s ) ( Louisiana Recovery Services ) were attempting to collect are also time-barred and obsolete for collections and/or reporting per the Fair Debt Collections Practices Act and the Fair Credit Reporting Act. Upon learning this, I contacted the XXXX office to find out how to file a complaint of fraud against ( Louisiana Recovery Services ) for  attempting to defraud me a senior citizen and XXXX. ( Louisiana Recovery Services ) have violated several state laws, FDCPA and FCRA.

These erroneous entries by ( Louisiana Recovery Services ) are detrimental to my overall credit rating and has caused me severe financial and emotional distress and anxiety, which are exacerbating and aggravating my current medical issues. I will pursue the enforcements of my constitutional rights via all legal remedies available.

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 2018-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I think someone drove behind me and was not paying attention. He put on brakes and almost touched my car. I think Portfolio Recovery was affiliated with his car insurance or an attorney. They are trying to make me responsible for something that didn't even happen. I don't know what this is about or why they keep putting this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Pentagon Federal Credit Union is involved in a bait and switch with veterans credit cards in relation to cash advances. They roll over cash advances and then when you go to pay instead of paying the highest rate first as they advertise they have an algorithm that partitions the payment so you never pay the lowest rate completely. Their poor customer service folks have no clue what they are doing because it was designed in the high office in collusion with IT to make it innocuous. But they are stealing from the veterans they have pledged to protect and it is offensive!

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 2018-04-27 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: TN

Complaint narrative:
This is not a joke, XXXX XXXX has used my dispute against me and is trying to shake me down for money, and has now doubled my balance owed in just one month and now is reporting late payments every month. Back in XX/XX/XXXX, I contacted XXXX XXXX to let them know about their reporting issues on my personal credit reports was inaccurate- and they said they would investigate ; but instead they contacted the credit bureaus and told them I owed DOUBLE the original amount!!, and that I needed to pay or " handle this matter '' ASAP!! This really happened and I can't imagine how many laws were broken in trying to shake me down. XXXX XXXX is now reporting a balance of {$6600.00} on a loan they state I personally received in 2011 for {$3400.00}. I couldn't believe it so I reached out further, and their ( XXXX ) only answer was to state that they sent me an " identify theft package '' to help me. XXXX is the one who is using my identity incorrectly!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
This company does not have a surety bond in the state of Texas to collect this debt. Therefore, they are in violation of this state 's law, which is Sec 392.101 of the Texas Finance Code.

I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
This company does not have a surety bond in the state of Texas to collect this debt. Therefore, they are in violation of this state 's law, which is Sec 392.101 of the Texas Finance Code. I filed a formal complaint with the TX AG 's office.

I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards

Company response to consumer: Closed with explanation