vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-10 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm in the middle of a mortgage application and need to have a settlement on a property soon and my lender is not able to pull my Equifax report. I have called Equifax and they said there are no freeze or lock or fraud alerts on my report now. I have had problems with Equifax for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated
State: KY

Complaint narrative:
I received threatening communication from a company calling themselves XXXX XXXX, phone number and address provided below : XXXX XXXX XXXX XXXX, XXXX, GA XXXX   Phone : XXXX | Fax : XXXX Web : XXXX XXXX XXXX This was in regards to a debt they claim that I owe to XXXX. This is the same debt that was settled in a previous case with a debt collector in Ohio, Unifund CCR, LLC, in a case dismissed WITH prejudice. XXXX XXXX  and specifically their representative XXXX XXXX ( XXXX ) insist that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have money in my Paypal account of {$270.00}. The website is not letting me transfer or request a check of my money. There are no holds on my account. Customer service is useless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: MO

Complaint narrative:
In XX/XX/XXXX, I disputed the collection account placed on my credit report, by Merchants Credit Guide, with XXXX. The debt is for {$400.00} dollars in unpaid medical bills from XXXX XXXX XXXX. The account was placed on my report as a collection in XX/XX/XXXX. XXXX   investigated the dispute by contacting the company seeking to collect the debt. On XX/XX/XXXX, XXXX updated my dispute finding that the debt of {$400.00} was verified as accurate by Merchant Credit Guide. Around the same time, early XX/XX/XXXX, I called Merchant Credit Guide to remove this collection from report. They have not done so. 

This is my third or fourth attempt to have this account removed from my credit report. Through a dispute, approximately two years prior, Merchant Credit Guide removed three other collection accounts from credit report. Merchant Credit Guide was attempting to collect medical debt from XXXX XXXX XXXX as well. 

My father died on XX/XX/XXXX, while in XXXX care at a facility likely attended to by XXXX XXXX XXXX. This is most likely his debt. He is junior and I am the third. They have likely imputed his debt to my credit report. I have never been seen by a physician at XXXX XXXX XXXX. For starters, I am XXXX years old and do not require the services of a physician with a specialty in XXXX. Furthermore, I live in XXXX XXXX, MO and my primary care physician is with XXXX XXXX XXXX. This is not my debt and I will not stand by while Merchants Credit Guide and XXXX do nothing to rectify this situation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX, I applied for a refinance of my home loan. The finance company told me that in order to close my loan I had to pay a charge off on a credit card with XXXX XXXX XXXX who is now known as XXXX. I reached out to Equifax to report the error on my file and I made numerous attempts to resolve with XXXX by phone and email. When I send the email I am advised to speak to a representative, when I speak to a representative they tell me that can not research it because I do not have the card number. They can not find anything under my name or SS # on their files relating to a credit card. So I did some research myself and found that the CC that is being reported under my name as an authorized user, is my daughters account. However the card on her credit file with the same opening and closing date of the card is showing paid as agreed and paid in full in 2015. But on my credit report it is showing as a charge off. I have provided XXXX all the supporting documents and they still contend that unless I can provide them the card number they can not help me. I cant provide them a card number because I didn't have a card, she just placed me as an authorized user without my knowledge and consent as an emergency. She paid the account off in 2015 and does not have anything that shows the card number. I always thought that if the lender can not find a record for derogatory information then they were obligated to remove the line. Seeing as they can not find anything under my name or SS # I would think this would be a no brainer. However I am into my 3rd week of dealing with them and am still in the same spot I was in at the beginning, no one is willing to resolve this or prove that I entered into a card agreement with their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: NY

Complaint narrative:
There are several accounts that have been open/closed repeatedly on my report from XXXX XXXX, there has never been a lapse in account that I have had with them. 

There is a XXXX account that has been opened up fraudulently in my name. I have sent in a dispute througXXXX XXXX XXXX and they have refused to acknowledge the frauds behind it. Below are the dates for the accounts mentioned above. 

XXXX Department Store : XX/XX/XXXX This account above was the one that was opened fraudulently. 




XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX The account above is still open but it has been placed on my credit report three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: NY

Complaint narrative:
I have XXXX items on my Equifax and XXXX XXXX reports that are not mine and are ( fraud ) due to a identity theft I endured, i sent them and I have written numerous disputes for the last year or so ive sent police reports, circled the items, ive sent the FCRA 605B, told them on the phone the problem, everything was done according to the law, and these companies refuse to remove these items on my reports, they are breaking the law and I have now seeked out an attorney to sue both these companies in court, i demand that these fraudulent items be removed from my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
On XX/XX/2018 I was sent to XXXX XXXX by doctors orders to get urgent blood work done. I was given a piece of paper to bring to the hospital where I was seen to have blood taken. Not once did any person I dealt with that day, inform me that my insurance did not cover that specific blood work. 6 Months after that I started receiving constant phone calls from a collection agency about an {$830.00} medical bill. I was XXXX at the time and thought that bill was my mother 's responsibility, so I gave the collection agency my mothers information. They still have been nonstop calling me and now the mark against my credit is holding me back from replacing my vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XX/XX/2017 I was approved for commercial loan to build a dental office from Bank of America Practice solution. 
XXXX XXXX was my loan officer at that time and it was very successful relationship and he communicated almost on a daily basis to make sure that everything is very smooth until XXXX got prompted and my account was transferred to a different officer called XXXX XXXX. They guaranteed at BOA that everything will be the same since my REP ( XXXX ) and my account manager ( XXXX ) will not be changed. 
I had so many complains about XXXX that were communicated with XXXX and XXXX and I even asked to get him replaced due to lack of communication, my complains were not accommodated in timely manner and until it was too late. 
XXXX XXXX simply mis-calculated my withdrawals due to lack of experience, XXXX and XXXX were too busy to look over the account and correct him. 
XXXX decided to put a freeze on my loan and a hold on my checking account without informing me, my REP or even his boss my account manager. Between XXXX and end of 2017 XXXX got very confused and was putting freezes on my accounts on and off almost every week and here where the damage happened, most of my payments got rejected due to confusion of the banker and caused significant credit damage, penalties, closed credit cards, multiple credit delinquencies. 
Practice solutions couldn't resolve the problem completely until XXXX of the following year and that was when they found out that XXXX mis-calculated the withdrawals amount. 
and I was charged 12 % interest during the investigation period until they found that there own employee made that mistake which was when they agreed to remove the interest and also correct the credit reporting, I spoke to multiple levels of managers in bank of America and the all agreed that the problem needs to be fixed, non contacted me back or got any close on fixing the issue due to lack of communication between departments. 
After we closed in XXXX they kind of lost interest in fixing the problems and never adjusted the interest or ever reverse the credit damage and they keep and still dragging and delaying for no reason. 
They also ran my credit on XX/XX/XXXX and XX/XX/2017 even though the contract says they are allowed to run credit every 60 days not every day. 




Attached is a my bank statement from that month showing that there was enough money in the account to cover all payments.

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 2019-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I checked my emails as I normally do each morning. At this time I read an alert from my credit monitoring service and was advised of a collection being placed at the credit reporting agencies by Diversified Consultants ( This may be the 2nd/3rd time I've reported this same agency to your bureau during the past 11 yrs ). This was in reference to a {$240.00} unpaid bill allegedly owed to XXXX XXXX in XXXX. That said, I've had this same item removed from my credit report on 3 different occasions during the past 11 yrs. Also, I'd received no correspondence from Diversified services nor XXXX XXXX  relating to this most recent attempt to collect this alleged debt prior to it being placed on my report. It mysteriously appeared out of nowhere. Placed a call to Diversified and was transferred to 3/4 different departments and voiced my displeasure of the tactic used by their company and was advised that they would " Make notes " of my complaint. In closing, I would like your assistance with having this unwarranted/derogatory remark removed from each credit reporting agency in which it was submitted. Thanking you in advance for your prompt and professional handling of this matter. 
Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I have called the company CONVERGENT OUTSOURCING, INC. which is debt collector for XXXX. I have disputed the bills on call XX/XX/XXXX ( XXXX XXXX ), they never sent me actual bills I owe to XXXX. 

They have 2 departments, Pre collection department said they have no infromation from XXXX or have not reported my account to Credit agency >> Call 1 ( XX/XX/XXXX XXXX XXXX Pre Collection ) : Agent 1 said the account was disputed by customer and sent back to XXXX. Has no reference of being sent back from XXXX. Then on my saying that my credit have been spoiled by your company, searches for the account and finds it in another department. Gives me number for another department. 

Call2 ( XX/XX/XXXX XXXX XXXX Post collection ) : Agent 2 said XXXX sent back account on XX/XX/XXXX and they called me several times.She says '' I picked up phone and said it was wrong number. '' Agent claimed she has no address of me on file. 

Truth : I never picked up the phone, Also CONVERGENT have sent letter to me on XX/XX/XXXX ( which means they have my address ). They are lying. They also reported the amount to credit agency without sending me any communication after disputing the bills.example ( Actual Bills from 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 2019-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly to Equifax a collection for XXXX XXXX XXXX partial account number XXXX - in the amount of {$2600.00}. ( Please see page 51 of the attached credit report. ) I resided at XXXX XXXX XXXX, XXXX, TX XXXX from XXXX to XXXX - well over 14 years ago. The name of this apartment complex now is XXXX XXXX. The apartment number noted on the collection is XXXX. Pursuant to the Apartment Lease Contract ( copy attached ), my apartment number was XXXX. Clearly they have attached this collection to the wrong unit number and wrong person. I never, in the past nor the present, received any documentation that this debt was owed by me or an itemization of what this debt consists of. This incorrect reporting by Equifax has just recently appeared on my credit report. This incorrect reporting of a collection is a violation of the Fair Credit Reporting Act, and is also prohibiting me from obtaining a new residence and is harming my credit score. I have contacted Equifax to have this line item removed from my credit report but I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: MO

Complaint narrative:
I requested a Method Of Verification from the XXXX XXXXs one inwhich will substantiate their XXXX XXXX. I have denounced and disputed the following items reporting on my credit file. However, I was told by the credit agencies that these accounts been verified. As a general rule of law electronic Verification can not be accepted as proof. So I'm demanding physical documentation or as stated within the FCRA consumer laws if the XXXX XXXX XXXX  can not properly verify disputed accounts then they shall be removed immediately. Please remove these accounts, 1 ) XXXX XXXX  of MO 2 ) One Main 3 ) XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX {$790.00} 5 ) XXXX {$150.00} 6 ) XXXX XXXX 7 ) XXXX XXXX 8 ) XXXX XXXX XXXX$2300.00} 9 XXXX XXXX XXXX XXXX {$1500.00}

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 2019-05-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AR

Complaint narrative:
On XX/XX/XXXX my brother contacted me to tell them someone called them looking for me and threatened them that they would come to his house to verify that I did not, in fact, live there. They gave the phone number XXXX with a case number of XXXX. I contacted this number and they did not identify specifically what company they were with. They said they were collection on behalf of Ace Cash Express on a loan taken out sometime in XXXX or XXXX. Repeatedly they refused to provide me with any kind of detailed information. They said the original loan is {$570.00} and they would charge me court cost of {$1900.00} and charge me with fraud. I asked the lady to please provide me with the proof of debt as required by law. She kept claiming that they don't have to provide me with any kind of proof. I am not aware of this debt and have no recollection of it. She refused to provide any documentation and simply stated that I had that when I got the loan. She transferred me then to her " supervisor '' who told me the exact thing and refused to send me anything in writing showing what I owe or the dates or amount of anything. She ultimately hung up on me and said good luck in court. I also advised them to stop contacting my family members and they said it is out of their hands they had a " state agency '' that handles that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: TX

Complaint narrative:
I sent in all the proper paperwork to show i had identity theft to each of the credit bureaus months ago and they still have not removed the accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 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: UT

Complaint narrative:
Equifax received police reports and were requested to not use the XXXXXXXX  system system that converts disputes to numeric codes instead of actually sending physical documentation to the debt collectors which I don't know how this is legal as the FRCA states investigation have to be 100 % veritable and 100 % accurate. Not 65 %, 75 %, 45 % accurate which seem to be a violations. The detective on my police report stated the police report is the final permanent record for me to file my credit reporting disputes. The negative accounts continue to be verified and the police reports are self explanatory of the identity theft and fraud. 


Police Reports REPORT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: Credit Karma, LLC
State: ID

Complaint narrative:
have a hard inquiry made by the Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
The reverse mortgage was taken over by XXXX from XXXX XXXX on XX/XX/XXXX. In XXXX, XXXX they asked for proof of insurance, and it was sent over to them. They sent a second notice, and again proof of insurance was sent. On XX/XX/XXXX they put their own insurance onto the property because they said that they never received the proof. After many attempts to correct this, they finally refunded the forced insurance premium on XX/XX/XXXX saying that they now have the in force insurance that had been in place all along. However, they said that since " they '' did not receive the policy in time, that they can change the terms of the contract and drastically reduced the monthly amount they are paying on the reverse mortgage. They wanted me to sign a document agreeing with the " new '' payment plan, which I did not sign. It appears that there may be some fraudulent action taken by XXXX by just saying that they didn't receive the proof of insurance so they can change the terms of the contract and reduce the money that is paid monthly. I have called them several times over the past 2 months to get them to reinstall the correct payment, and they refuse. Please let me know what can be done.

Company response to consumer: Closed with explanation