vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I have previously wrote Receivables Mgmt. Stating my health insurance will pay and the company must file my health insurance. I disputed the claim about the amount owed numerous times to Receivables. I asked them not to reach out to the credit bureaus because I disputed in the recommended time frame. I asked them to send me documents such as a signed contract stating I owe XXXX. They never sent it to me. However Receivables sent a collection to the credit bureaus and I will like for them to remove the negative information ASAP ... 

The company in question is Receivables Management Located in XXXX SC XXXX is the account number

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have previously wrote XXXX XXXX. Stating my health insurance will pay and the company must file my health insurance. I disputed the claim about the amount owed numerous times to XXXX. I asked them not to reach out to the credit bureaus because I disputed in the recommended time frame. I asked them to send me documents such as a signed contract stating I owe XXXX. They never sent it to me. However XXXX  sent a collection to the credit bureaus and I will like for them to remove the negative information ASAP ... 

The company in question is XXXX XXXX Located in XXXX SC XXXX is the account number

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 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Called the business back in XXXX about receiving a check in the mail for the credit of XXXX that's been sitting in my account which has also been closed since XXXX, and the {$39.00}  for the membership fee that was promised to be sent back to me upon closing the account within an acceptable time frame. Back in early to mid XXXX I applied and was approved for another credit card of theirs and attempted to close the account with the membership fee. Company refused to close the account due to an active dispute, but froze the account so that no more time went by since I was requesting the {$39.00} back. Account was only active for about a month after membership fee was applied. Screenshots provided show last time card was used and when membership fee was applied. Called two weeks later after dispute was closed and was able to get the account closed. Agent told me I would be getting a check for the {$25.00} and another one for the {$39.00}  seperately. This was a month and a half ago ... NEVER received either check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/XXXX of this year I went into a Huntington Bank to withdraw money, Everything was going fine until it was time to dispense the money. The Atm printed out a receipt but I never received my funds, I then walked into the bank and I talked to XXXX the teller in the front. XXXX and her manager I believe went to the atm and confirmed my funds was jammed into the atm and that I couldnt get the money from them because I didnt bank with them. XXXX then informed me that I should file a dispute with my bank and that I will get money next day as a credit and it then will go under investigation. Still kinda iffy I left the bank and filed a dispute sent in all documents I could the receipt atm number and also the teller bank card. After three days XXXX XXXX contacted me asking for more documents but thats all I had so a week later my dispute was denied. This is so inconvient to me because I was just walking into a bank to withdraw rent money now Im stuck waiting weeks just to keep getting denied again. Like is XXXX XXXX and Huntington communicating with Eachother? I just need my money this is really causing a big mess because I am now two weeks behind on rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One will not even respond back to me that I did not make this Inquiry/hard pull.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On Saturday, XX/XX/XXXX, I filed a complaint with Equifax to dispute an old entry still being on my credit report after the account had been paid and closed for almost eleven years. 
The entry is : XXXX XXXX, account number XXXX, which was closed, in good standing, in XXXX of XXXX ... .almost 11 years ago ... .and should have been removed in XXXX of XXXX. This was my second request to have this entry removed. 
On XX/XX/XXXX, I received a letter from Equifax, where they for the second time, REFUSED to remove the old and obsolete entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: GA

Complaint narrative:
Your company is reporting the below referenced account on my credit report as a collection account. 

XXXX XXXX account. {$2400.00} past due as of XX/XX/XXXX. 
Account Name XXXX XXXX XXXX Account Number XXXX Account Type Lease Responsibility Individual Date Opened XX/XX/XXXX Balance {$2900.00} Account Name XXXX XXXX Account Number XXXX Account Type Business LOC Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

3. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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: GA

Complaint narrative:
Your company is reporting the below referenced account on my credit report as a collection account. 

XXXX XXXX account. {$2400.00} past due as of XX/XX/XXXX. 
Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Lease Responsibility Individual Date Opened XX/XX/XXXX Balance {$2900.00} Account Name XXXX XXXX Account Number XXXX Account Type Business LOC  Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

3. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Due to a recent ID theft incident. I tooks steps to ensure a freeze was placed on my reports at the three agencies XXXX XXXX XXXX Experian XXXX. I had no problem with freezing my report with XXXX and XXXX online. In each case it took less then 15 minutes. 
Experian makes the process difficult and uncomfortable. I was unable to freeze my credit online ( XX/XX/2020 XXXX Instead, Experian requires that I mail personal information ( name, address, social security number, copy of government ID, copy of a police report. ) I find this method overly restrictive and risky. Providing this information thru their online portal was not offered as an option. 

I contacted them by phone XXXX XX/XX/2020 ) but there are only automated services available. 

At the same time, Experian wishes to sell me a subscribed protection package, of course for a monthly fee. ( What a racket!!!!!! )

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 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
0 % balance transfer on $ XXXX on AMEX EveryDay Credit Card. Called several times and told refund interest will be paid to account on XX/XX/20 and XX/XX/20. XX/XX/20 told will receive {$150.00}. XX/XX/20 told no interst to be refunded for determined not qualified. XX/XX/XXXX told by supervisor not qualified would not present evidence or documentation and would not refund interest charge, event though recommended by AMEX to open card for 0 % balance transfer and card is advertised as 0 % balance transfer card. Told him closing card and paying card off less interest and filing complaint with FTC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14 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: TX

Complaint narrative:
TO REMOVE THESE ITEMS These accounts and inquiries aren't mine, I contacted the companies several times I was told these accounts and duplicate inquiries were removed and I still see them! 

ACCTS ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
CCB/IDDEAL not mine - fraud Exceptional payment history Account Info Account number XXXX Account number XXXX XXXX  XXXX Account status not mine fraud Date opened XX/XX/XXXX INQURIES ... ... ... ... ... ... ... ... ... ... ... .... 

XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX and XXXX & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   DUPLICATE Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX DUPLICATE Finance other than personal Inquiry date : XX/XX/XXXX 2018

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 2020-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comentity Bank is the bank for XXXX XXXX and other companies. Firstly, if you are 2 days late paying {$100.00} they call you incessantly. Every single day, multiple times a day with robocalls. There is a recording on the other end so you can not speak to an actual person. 

There is no reason to call someone multiple times a day every single day including weekends because they owe a {$60.00} payment. It is beyone abusive. 

Secondly, I get calls from them even when it is not my debt. They were doing the same thing, multiple calls in a day, every single day, sometimes calling back to back in the span of XXXX minutes. I finally got a real person on the line and they told me the pull a dragnet of numbers and hope they find a relative or neighbor that knows they people they are actually trying to collect debt from. In this case, there were 2 men, no relation to me, not my last name, not even living in my county. 

Comenity is abusive in their practices. I told them to stop calling my cell phone. I do not pick up the phone in the day because I am at work and can not. They must stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
Ally Bank has overdrawn my account several times when a debit payment tries to come through. They then notify me the transaction was paid. They do not have my permission to pay an attempted debit when the funds in the account are too low. 

The last time this occurred was XX/XX/2020. I then contacted the bank on XX/XX/2020 and spoke with a customer service rep XXXX CSR ) regarding this issue. She assured me there were no issues or restrictions on my account. Therefore, I went ahead and deposited a check in the amount of {$200.00} on the same day. 

This morning, XX/XX/2020, I received a notice from Ally that they were holding my funds for 5 business days due to overdrafts XXXX which they created XXXX. I contacted their customer service to try to resolve the issue, and the only solution they offered was to restrict the account so zero charges could be made unless I called them first. That is not a solution. 

I have attached copies of email notifications received from Ally Bank to confirm this complaint.

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 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
SageStream - never heard of them until today. Claims my credit is too low to get a car. When tried to get a copy of my report, it says I have to submit a lot of personal information by mail. Feels very scammy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
Called the office of Bureau of Med Economics on XX/XX/XXXX to advise that debt owed to XXXX XXXX XXXX  XXXX of {$250.00} was included in my husband 's bankruptcy which was discharged XX/XX/XXXX. XXXXXXXX Was told it would be taken care of. To date nothing has been done, it is still on the credit reports for each agency showing as " collection ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Hi, Ive noticed https : //www.equifax.com/ is offline for half the united states.

Is this because of negligence?

Are you responsible with my financial information and identity records, should you get hacked or compromised?

How can i submit address changes and disputes without the website?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
After months of dispute with BofA, today ( XX/XX/XXXX ) I received the company 's denial of my case, and for the first time ( despite repeated requests for months ), submitted to me the " documentation '' that " prove '' I incurred the charges. 

I live in XXXX, Oregon. ON XX/XX/XXXX, the date of the charges, I was working in XXXX, Oregon. 

According to the " documentation '' to support the charges to XXXX, I was also in XXXX, NY and XXXX Washington on XX/XX/XXXX, within hours of each other. As those locations are 2,800 miles apart, and the charges shown are close in time, it would have been virtually impossible for me to be in both of those places on that date. I am unclear of whether you actually require the bank to LOOK at the charges, and see if they are consistent or not, but that clearly did not happen here.

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 2020-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
TO REMOVE THESE ITEMS These accounts and inquiries aren't mine, I contacted the companies several times I was told these accounts and duplicate inquiries were removed and I still see them! 

ACCTS ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX/XXXX  not mine - fraud Exceptional payment history Account Info Account number XXXX Account number XXXX XXXX XXXX Account status not mine fraud Date opened XX/XX/XXXX INQURIES ... ... ... ... ... ... ... ... ... ... ... .... 

XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX DUPLICATE Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX DUPLICATE Finance other than personal Inquiry date : XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX NOT MINE SAID THIS IS FROM 19 YEARS AGO, SAID IT WAS REMOVED BUT I STILL SEE IT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
Navy Federal is charging additional fees on a closed account and is reporting as late when the account is closed. This should not be done on a closed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation