vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have asked Experian to delete old accounts that are closed from my report. I have even secured a credit repair individual from XXXX XXXX XXXX to work with me in requesting these deletions. However, these old accounts continue to appear on the 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 2020-09-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing complaint because the credit bureaus has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all informatio which can not be verified. '' that I have disputed. Please  resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My business accounts ( 2 ) were closed more than 4 months ago and bank of america does not finish verifying the funds in the account to give me my money, this has caused me to close my business because I have not been able to solve it, I call bank of America all the time and they only say that there is no update and that they have no one to contact, it is a bad practice of the bank to close my account during the coronavirus pandemic, my employees lost their jobs because I had no way to pay salaries and I had to close my business. 
they do not respond and when I ask to speak to a supervisor or the investigator who is managing my account and has the funds blocked, they do not respond.

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 monetary relief
Consumer complaint received 2020-09-08 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: TX

Complaint narrative:
On XX/XX/XXXX a certified letter was mailed to Equifax asking them to delete the information that was reporting inaccurately on my Credit report. The certified letter was received on XX/XX/XXXX at XXXX. The letter requested that I demand XXXX XXXX XXXX be removed from my credit report due to Equifax reporting the date of last activity they have listed on the credit report is XX/XX/XXXX. How can this be? When the account according to the credit report was opened a whole year later on XX/XX/XXXX. So this would mean this information is reporting wrong and incorrect. I have asked Equifax to remove this account but yet and still it still reports on my credit report. I also have a letter from XXXX XXXX XXXX where this account should have been removed last year in XX/XX/XXXX along with XXXX  and XXXX I have disputed this account several times with Equifax and yet they have been lackadaisical about removing items and reporting erroneous Information to the CRA. According to the Fair Credit Reporting Act this should be deleted and is suit for a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: GA

Complaint narrative:
I have asked, through Credit Repair individuals, that my previous names and addresses be removed from my Credit Report. A company named XXXX XXXX XXXX has worked with me since XX/XX/XXXX. Previous addresses and previous married names that date back toXX/XX/XXXX continue to appear on my XX/XX/XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Business & Professional Collection Service Inc
State: CA

Complaint narrative:
I called to Business and Professional Collection services due to an energy bill ON MY CREDIT REPORT. 

I told them I was willing to pay the balance if they delete from my credit report just because I never got any letter or documentation about this debt, either a proof of this debt. The representative informed me THEY JUST DON'T HAVE IT, I was in shock since how is possible that a collection agency open a collection without proof of debt. 

Also I was informed the address of service for this bill was the XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX, I was living in that address but NEVER IN THAT APARTMENT NUMBER. 

I request them proof of the debt ASAP, they said they will investigate if exist a proof of the debt and mail it to me.

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 2020-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I sent a certified mail letter to XXXX  Credit Bureau on XX/XX/XXXX to validate the account that was opened on XX/XX/XXXX with the amount of {$160.00} they are reporting on my credit report. XXXX  responded saying they would contact the creditor about the item I disputed and have results back in required time if not they will update and delete information. They have failed to send any validate information or delete from my credit report but they are still updating the status of the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: MS

Complaint narrative:
My state attorney advised me to send a letter to validate the debt which was sent to their office on XX/XX/07. Per the Fair Credit Reporting Act, it states that I have the right to validate the debt, if they are unable to comply within 30 days, they must delete it from all 3 credit  bureaus. The amount shown is {$1500.00} and {$500.00}. 

It has been more than 30 days therefore I am submitting this complaint to notify the violation before I take legal action.

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 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: OK

Complaint narrative:
I was called multiple times a day several days a week. Didnt know the number so I didnt answer until they left a voicemail and then I called back. The guy named XXXX was not very knowledgeable because he was new, talked to supervisor named XXXX who helped me resolve the issue and figure out plan for payment. Then I was getting constantly called again a few days later by XXXX and I explained I had resolved everything with XXXX but then he sent me to his supervisor XXXX who kept yelling at me and saying I was refusing to pay when that was not the case. I said they have the recordings of my precious conversation with XXXX and our plan but XXXX said he wasnt going to listen to any tape and that I was refusing to pay and he threatened to harm my credit and threatened saying hes going to get my money no matter what and he has all my information And will get his money. Then he hung up on me

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I visited the emergency room at XXXX XXXX in XXXX, CA. At the hospital I provided information regarding my health insurance through XXXX. The hospital properly submitted a claim to XXXX, but the XXXX XXXX for which the doctor worked submitted a claim to XXXX in error and then referred me to a collection agency ( Medicredit ) for an amount equal to {$750.00}. When my husband and I explained the facts of the situation to Medicredit, they told us we had to address the issue with the XXXX XXXX XXXX. However, the XXXX XXXX XXXX XXXX   policy is that they will not deal with any claims that they referred to Medicredit. However, after speaking with supervisors at Medicredit and HMH between XX/XX/XXXX and XX/XX/XXXX ( and explaining to them that XXXX was willing to process the original claim so long as an itemized receipt was sent before XX/XX/XXXX XXXX XXXX submitted the claim to XXXX and paid the applicable {$20.00} co-payment. On XX/XX/XXXX, XXXX provided an Explanation of Benefits showing that ( i ) XXXX XXXX claim was processed, ( ii ) only {$140.00} of the original {$750.00} were allowable charges, ( iii ) XXXX paid {$120.00} and ( iv ) my remaining balance was the {$20.00} co-pay that I already paid. In addition, XXXX sent me a statement on XX/XX/XXXX indicating that this claim was paid and that my remaining balance was {$0.00}. However, notwithstanding the XX/XX/XXXX statement ( and the almost year of effort in resolving this issue ), Medicredit has continued to call me and recently sent me a statement indicated that I continue to owe the {$140.00} of allowable charges.

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 2020-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have asked, through Credit Repair individuals, that my previous names and addresses be removed from my Credit Report. A company named XXXX XXXX XXXX has worked with me since XX/XX/XXXX. Previous addresses and previous married names that date back toXX/XX/XXXX continue to appear on my XX/XX/XXXX 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 2020-09-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have asked, through Credit Repair individuals, that my previous names and addresses be removed from my Credit Report. A company named XXXX XXXX XXXX has worked with me since XX/XX/XXXX. Previous addresses and previous married names that date back toXX/XX/XXXX continue to appear on my XX/XX/XXXX 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 2020-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I received a letter from Midland Credit Management on XX/XX/2020 attempting to collect payment on a debt it identified as XXXX XXXX XXXX. I sent a letter ( attached ) asking Midland to provide certain documents and to validate the debt. In the letter, I ask that the materials be provided before I engage in further discussions about the debt According to the return receipt ( attached ), Midland received the letter on XX/XX/2020. I have not received any of the requested materials since sending the letter. However, on XX/XX/2020, I received a call from Midland and the gentleman advised that he was a debt collector and this was an attempt to collect a debt. I advised him that I sent a validation letter and had not yet received the requested materials. He simply kept replying " What letter? What kind of letter? '' At which point I ended the call. 

The Fair Debt Collection Practices Act provides that if I dispute the debt within 30 days of receiving the initial letter, and I did, that the collector stop collection efforts unless and until they provide documents validating the debt. Midland violated the FDCP in this instance and should be dealt with accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: OH

Complaint narrative:
This is my second attempt to have incorrect items removed from my credit report. The accounts listed below are being reported inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA : XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: CBC Companies, Inc.
State: OH

Complaint narrative:
This is my second attempt to have incorrect items removed from my credit report. The accounts listed below are being reported inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA : XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent certified letters since XX/XX/2020 requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. I also have attached your responses on 2 separate occasions via the CFPB portal. In either response did you provide sufficient documentation. I have also attached the required documents. 

The following negative account is listed below : XXXX XXXX # XXXX {$2200.00}

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 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing complaint because the credit bureaus has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all informatio which can not be verified. '' that I have disputed. Please  resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing complaint because the credit bureaus has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all  informatio which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I C System is a collection agency reporting 2 debts on my CBR. 
XXXX XXXX which was paid in full to XXXX XXXX prior to my XXXX  in XXXX. 

Another is for XXXX XXXX XXXX XXXX which shows opened while I was in the XXXX XXXX XXXX XXXX in XXXX. Not possible to get a cell phone account in XXXX. 

I have contacted IC System to validate both debts on numerous occassions and have never received a response.

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 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: OH

Complaint narrative:
On XXXX XXXX 4 new inquires that i did not authorize appeared on my credit report. They are XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX. I have other inquires that i did not authorize too. I had a credit freeze on my credit because of identity thef. They are XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX XX/XX/XXXX. 
Also telephone number XXXX does not belong to me.

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