vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AMCOL Systems, Inc.
State: IN

Complaint narrative:
On or about Monday XX/XX/2020 I received mail that just had a P.O. Box number from XXXX, SC XXXX addressed to me and upon opening it I saw 4 sheets of paper the first one Had XXXX XXXX XXXX ( which is a hospital in Indiana that I have been corresponding with ) it said RE : patient XXXX XXXX Account number ( it had 2 ) date of service and balance. It asked for 7 different proofs of financial information and had XXXX XXXX address at the bottom. One had my address and the others were asking for personal info. There was not a letter explaining it came from a collection agency but I found it strange that XXXX XXXX hadnt inserted a letter explaining it was from them so I looked the address and discovered it came from Amcol debt collection. I knew the name because they are reporting on my credit reports. This was as dishonest as it gets. Im not sure if XXXX XXXX allows this but if they do thats not right but honestly I dont think the knew because they already have my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: TX

Complaint narrative:
I found out on XX/XX/2020 about information sent to collections through credit monitoring services. Upon calling the collections agency appearing on my credit report, I was told it was for XXXX XXXX in the amount of {$100.00} I'm disputing the information being sent to a collection agency and appearing on my credit report as I was never advised of any invoice via mail or phone from XXXX XXXX, their billing company ( XXXX XXXX XXXX ) or National Recovery Agency ( collections agency ) prior to placing on my credit report. I got XXXX number from the collection agency and been trying to get to the bottom of this. Both the billing company and collections agency had my city wrong when I called them and they asked me to verify. I have been met with unprofessionalism when talking with employees at National Recovery Agency and XXXX XXXX XXXX. I was told by XXXX XXXX XXXX on XX/XX/2020 that my dispute was received. I also notified the collections agency that I was going to dispute. I'm attaching the dispute letter. Multiple calls made last week to XXXX XXXX XXXX were going to voicemail - no one answered phone throughout the day. I left a message and the rep ( XXXX  ) that called me back had a phone number showing up as SPAM LIKELY. I answered the call because I recognized it as the number I had been calling. XXXX told me my dispute was sent to XXXX XXXX for review and they will make decision. She refused to give me info about XXXX XXXX as I wanted to contact them directly and told me to XXXX it. I don't know how to reach them, but left a message on XX/XX/2020 for the City of XXXX Community Rep to see if she can help and have not received a call back thus far. Please investigate XXXX XXXX, XXXX XXXX XXXX and National Recovery agency for failure to notify consumers and unethical billing practices.

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 2020-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SLM CORPORATION
State: CA

Complaint narrative:
According to my credit report on XXXX, based on my XXXX credit report, I opened an account on XX/XX/2018 with this creditor. I am quite certain I did NOT open an account. Aside from that, this creditor known as SALLIE MAE has placed my account in collections. Their action has negatively affected my credit report/score with Derogatory Marks. They are stating that my account has been sent to collections, however, I was never notified about this account and never received a bill. I'd like to address this IMMEDIATELY and get this negative remark removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. BANCORP
State: IN

Complaint narrative:
My sister received a call for me. Somehow. Because I've never given anybody her number. I called. A lady answered " Hello ''. That was it. No business name or anything. She tried transferring me to somebody, but I got a voicemail that still didn't tell me who I was calling. I called back. Another lady answered " Hello, this is XXXX ''. I gave her my name. She told me they're the collection agency for Elan Financial. She then proceeded to give me my date of birth, social, previous addresses, and previous employer .... She seriously just gave me all that information. Anybody could've called and said they were me, and she would've given them all the information needed to steal my identity. I use to work in collections, and I'm 99.9 % sure that's illegal.

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 2020-01-31 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: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I opened a loan with Personal Finance Company in XXXX XXXX IL months ago. I refinanced the same loan XXXX different times afterwards, adding a small amount to the loan. Then PFC was bought out by Mariner Finance. Then this past week when I went to apply for a mortgage with a bank I found out these refinanced loans were not updated on my credit reports so still show open, so it looks like I have several loans open!! I went into PFC/Mariner in XXXX XXXX and they said there is some kind of glitch in their system after they got bought out and several accounts did not get updated on credit reports. So I asked for my paperwork on all of the loans showing they had been refinanced as I did not received them when I refinanced. I do already have the paperwork on the current loan, which is all of the refinanced loans put together into one and it is now under their new owners name Mariner Finance. I then asked them to call their corporate office to update all on all of my credit reports, but they said the home office said all customers have to contact the credit reporting agencies and file a dispute and then they will have to update from that. Please contact them and have them update all of my accounts with them including all loans with PFC and all loans with Mariner as all were made and refinanced at the same establishment within a few months of each other and they still own the same establishment, with all of the credit bureaus and then have them send me a corrected copy of all of my credit reports from all three credit reporting agencies. I have tried to go online to file a dispute, but the system locks up and would not allow me in, so I would like for you to contact all of them for me. PFC/Mariner, XXXX, XXXX and XXXX. I have attached documents showing all were refinanced and only one loan is still open which is my current loan with them, the others should clearly state refinanced and closed.

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 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I spoke with a lady by the name if XXXX who helped with a relative credit report and person after i was directed to the fraud deprtment and placed on hold for several minutes, I then stated my name was incorrect and that i have submitted 3 times my current legal name and it has yet to be changed. I was then told very rudly to allow up to 14 days and had i checked recently to see if it had been updated. and i stated ive been married since XXXX and i am looking at this moment on Experian website and in fact it has not been updated. The woman again got rude and proceeded to then ask did i want a current copy of my credit report dated XX/XX/XXXX mailed to me, so that i may see what name is listed. i said yes and in fact i stated ive been trying since XXXX to get my name changed and either the system is down, you send me disputed reports without changing the information and today im told the current report shows the name i gave her over the phone, yet, i am looking at the experian website and it shows different. I then asked to speak to a supervisor because what is on their website o line when ilog in is not what she is stating to me via the phone ... At that time, she hung up on me and you have to call 5 different numbers to even get a live person and then to tell me im wrong and hang up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
According to my credit report on XXXX, based on my XXXX credit report, I opened an account on XX/XX/2018 with this creditor. I am quite certain that is NOT accurate. Aside from that, the creditor known as XXXX has placed my account in collections. Their action has negatively affected my credit report/score with Derogatory Marks. They are stating that my account has been sent to collections, however, I was never notified about this account and never received a bill. I'd like to address this IMMEDIATELY and get this negative remark removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: VA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$8500.00}, {$1000.00}, {$1300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 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: IL

Complaint narrative:
I HAVE DISPUTED AN INACCURATE BANKRUPTCY WITH EQUIFAX SEVERAL TIMES. AFTER THE INITIAL DISPUTE THEY INFORMED ME THAT THE BANKRUPTCY WAS VERIFIED, AND IT WAS VERIFIED THROUGH THE BANKRUPTCY COURT AT XXXX XXXX XXXX XXXX, XXXX IL XXXX. WHILE DOING MY OWN INVESTIGATION I CONTACTED THE BANKRUPTCY COURT & XXXX XXXX DIRECTLY. AFTER REVIEWING MY XXXX XXXX REPORT IT STATES THERE IS NO RECORD OF ANY BANKRUPTCY FOUND. I ALSO SPOKE WITH A CLERK SUPERVISOR AT THE BANKRUPTCY COURT AND RECEIVED SIGNED DOCUMENTATION WITH THE STATE SEAL THAT STATES THE COURT HOUSE DOES NOT VERIFY BANKRUPTCIES TO CREDIT BUREAUS. I ALSO DISPUTED THIS WITH XXXX AND THE INACCURATE BANKRUPTCY WAS REMOVED. I THEN PROVIDED EQUIFAX WITH : MY XXXX INVESTIGATION RESULTS, WHICH STATES IT WAS REMOVED MY XXXX CONSUMER DISCLOSURE REPORT FROM XXXX XXXX, WHICH STATES NO RECORD OF BANKRUPTCY FOUND AND THE SIGNED & SEALED LETTER FROM THE BANKRUPTCY COURTHOUSE, WHICH STATES THEY DO NOT VERIFY BANKRUPTCIES. AFTER ALL OF MY SUPPORTING DOCUMENTATION THEY HAVE YET TO REMOVE THE BANKRUPTCY AND CONTINUE TO LIE AND SAY THEY VERIFIED IT THROUGH THE COURT HOUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: VA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$8500.00}, {$1000.00}, {$1300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.

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 2020-01-31 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: EQUIFAX, INC.
State: VA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$8500.00}, {$1000.00}, {$1300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
According to my credit report on XXXX, based on my XXXX  credit report, I opened an account on XX/XX/2018 with this creditor. I am quite certain that is NOT accurate. Aside from that, the creditor known as CITIBANK has placed my account in collections. Their action has negatively affected my credit report/score with Derogatory Marks. They are stating that my account has been sent to collections, however, I was never notified about this account and never received a bill. I'd like to address this IMMEDIATELY and get this negative remark removed from my 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 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
My account was deleted without any steps for me to take! It just said thats not your password and when I want a password reset request it never showed up in my email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX we filed a CFPB complaint against all ( 3 ) credit bureaus Transunion, XXXX, and XXXX  as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX " We filed a federal lawsuit against ( 5 ) major banks on XX/XX/XXXX regarding our mortgage for mortgage fraud which are XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  which later was revised to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, vs XXXX  XXXX XXXX XXXX XXXX, et al., Defendants ~ Case No. # XXXX XXXX filed on XX/XX/XXXX IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF TEXAS XXXX   DIVISION ~ Judge XXXX XXXX . On that very same day XX/XX/XXXX I requested a flag to be put on both our credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in which I precisely gave Transunion, XXXX, and XXXX   the Federal Case Number # XXXX XXXX to freeze and stop any derogatory credit reporting until our case would be settled in court. We won our suit and it closed on XX/XX/XXXX. However, all ( 3 ) credit bureaus allowed ( 8 ) credit accounts to be closed on my wife XXXX XXXX XXXX and ( 6 ) credit cards for XXXX XXXX XXXX which negatively impacted our credit scores with high interest rates and impossible to get loans much needed for many years. They did all of this damage to us while we had not settled in federal court yet and the flag should NEVER have been lifted while pending matters were in federal court allowing XXXX to report that we were up to 18 months and greater that we were behind on our mortgage payments while we were in a federal court fighting for our rights by law. This was negligence on behalf of all ( 3 ) credit bureaus to have allowed such damages to occur. '' " The response from all ( 3 ) credit bureaus was identical that they couldn't find XXXX on our credit report. XXXX had been removed after Judge XXXX XXXX ordered them to take off the derogatory credit and correct it and it took months before they finished taking it off so by this time we had been affected greatly and we're still struggling to repair our credit. We would like a response when all ( 3 ) credit bureaus will make restitution and repair our credit 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 2020-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I went to the BECU atm to make a deposit- used my card, entered pin chose deposit ( I had 16x {$50.00} bills ) {$800.00} total. The machine accepted the cash and counted it, the screen asked is {$800.00} correct? I clicked the green check mark, the machine then made a processing noise for a minute then had the message unable to return your cash. It was still making a processing sound. I waited a few more minutes and the machine seemed stuck in this mode so I hit cancel. My card was returned with a receipt that said unable to return your cash. I then started a new transaction to check my balance and there was no record of the {$800.00} I just put in. Since this was a holiday ( Monday XX/XX/XXXX ) I called the bank Tuesday morning to report what happened. I was told that it would be looked into and it may take up to 10 days. Today XX/XX/XXXX I received a letter stating that they had no record of my deposit and the investigation is closed. Since I had my receipt with the time, I knew exactly that I put in 16 {$50.00} bills, I had the machine number and they log transactions with my card- how can they have no record? Also- your on camera at the atm. How can there be no reconciliation of the money put into the machine? I called BECU and told them I was upset by the Letter and I was not satisfied and got the representative to fill out another request to investigate, I faxed her my receipt from the atm from the transaction that says there was a error returning your cash. I was told it will take another 10 days. There was no offer to return the funds in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/2020 I filed my federal and state taxes through efile on the credit karma app on XXXX XXXX. They said the submitted them. However both agencies, ( irs, ftb ) claim they did not submit them because if they had, I would be able to see status after 24 hours. They still have not submitted them and will not talk to me. I might have just given my info to criminals.This is an urgent matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
They sent me and an attorney an email stating that " we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished. ''

Company response to consumer: Closed with explanation