vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc.
State: GA

Complaint narrative:
I wasnt given proper notice of how much the bill would be and my insurance was suppose to cover the amount and the company didnt provide accurate information of how much I have to pay out of pocket. This bill is not accurate and they did not give proper notice to the consumer before the consumer decided to utilize the service performed. I'm asking for this information to be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my second and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

I assure you that it was in fact me who filed my complaint due to the negligence your company has shown in reference to my credit report and my complaint.. In fact if you do not honor my original request to delete the items contained in my previous letter, dated XX/XX/21 sent via certified mail, I will file a complaint with the Federal Trade Commission against your company as well as seek legal council for damages for the mental, physical, and emotional stress your company 's negligence in reference to this deformation to my reputation due to your false report. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I insist you finish your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.

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 2021-05-07 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: MS

Complaint narrative:
I have been trying since XXXX to get a loan. Each time my credit it run, this is what the bank gets in response : 1 - EQUIFAX REMARK : INFORMATION FROM YOUR INQUIRY HAS BEEN IDENTIFIED AS POTENTIALLY FRAUDULENT OR MISUSED, THEREFORE THE CREDIT REPORT IS NOT AVAILABLE FOR DELIVERY 1 - EQUIFAX REMARK : INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE I have already filed a complaint. Equifax sent me a letter requesting my id, which I sent and have not heard anything back.

Just trying to get a loan in America.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/2021 I wrote a validation letter to National Credit Adjusters, it has been 5 months later and they haven't responded to my certified letter asking for validation of the allege debt they claim I owe. But I see that they are still reporting the invalidated account to all the credit reporting agencies before validating it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 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:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I am in an active ch. XXXX bankruptcy case and TD Auto finance has incorrectly updated my credit report. They are reporting me as being late in the month of XX/XX/XXXX. This has caused my score to drop 36 points. I have been in contact with this company over the last 40 days and was ensured that is was an error and it would be corrected. I spoke to a very rude employee by the name of XXXX XXXX. I tried to ask her for some additional information but instead of hearing me out she just transferred my call without any notice. I am due to close on my home loan in 3 weeks and this error will prevent me. I and my child should not have to suffer due the negligence of TD Auto finance. TD Auto transferred this loan to XXXX XXXX XXXX on XXXX of XXXX so why are they updating my account and updating it with inaccurate past due information? My payment have been made inside of my ch. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I received a response that violate my HIPAA rights. The collector did not provide me with a HIPAA release form that releases my medical information, therefore, by providing such information is a violation to my HIPAA rights. I'm proceeding with legal action prescribed HIPAA and i urge you to take it as serious as i have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my second and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

I assure you that it was in fact me who filed my complaint due to the negligence your company has shown in reference to my credit report and my complaint.. In fact if you do not honor my original request to delete the items contained in my previous letter, dated XX/XX/21 sent via certified mail, I will file a complaint with the Federal Trade Commission against your company as well as seek legal council for damages for the mental, physical, and emotional stress your company 's negligence in reference to this deformation to my reputation due to your false report. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I insist you finish your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: Alorica Inc.
State: FL

Complaint narrative:
I have a loan with XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX/XXXX  with no successful resolution. XXXX, XXXX, and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my second and final attempt to get this matter resolved with out additional council from my states AG being involved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

My first letter to your company was sent in on XX/XX/21. My letter was to inform you of the erroneous, inaccurate, unverifiable, and incomplete items on my report. It was also informing you that my information was involved in the XXXX data breach. 


The listed items are completely inaccurate and incomplete. This is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. You have had more than enough time to complete your investigation, and you have failed to respond with in that given amount of time ( 30 days ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I insist you finish your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.

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 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: FL

Complaint narrative:
The calls are coming from a company called MRS Associates. I have been telling them to stop calling me, as the amount owed is WRONG

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Some background : I created a Venmo account in XXXX XXXX. The account had been normal before XX/XX/XXXX. I had only two activities : 1. Venmo offically paid me {$10.00} for bonus on XX/XX/XXXX. 2. I received a payment of {$770.00} from another guy on XX/XX/XXXX. All these two transaction were completed immediately, and the account showed normal. 
What happened : On XX/XX/XXXX, I suddenly received two emails. The first one said my account had been frozen and they need my ID to unfroze it. The second one said the payment of {$770.00} was reversed. Note, the payment had been finished for 4 days, this should be my money. This means they directly transferred my money to another account without my permission. I immediately uploaded a copy of my driver 's license and contacted the customer service. The representitive checked my account and told me this should involve another team and need to wait for 5-7 business days. I said they could verify my account later, but I needed to confirm my money was safe immediately. However, the representitive only said they would contact me later and left without notifying me. Then I had to contact them again. Besides inqury about my money, I also asked to file a complaint against the previous agent. The second representitive also told me I need to wait and he could not do nothing. To my understanding, such customer service we can reach only forwards the case the backend team, they don't have any authority to solve any problems. So I asked to contact people who can fix the problem directly. The representitive still told me to wait. Honestly, It is unbelievable that, as a financal company who directly hold money, the customers can not contact agents who can solve the problems directly. 
On XX/XX/XXXX, I got an email that my account had been unfrozen. But untill now, there is no one contact me about my money, even after I sent them emails multiple times ( this is their recommended way to contact ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Holier than thou, chase bank decided that i am a bad client after 30 + years.

They then lagged the close out payment, of cash on hand for 2 weeks because they wanted to 'punish me '.

They then send a closed notice, not describing the reason, for all my accounts.

They then send a tardy statement for my last visa payment to clear my account in order to OVERCHARGE me by XXXX for LATE FEES. 

I have paid this XXXX under protest of the late fees, with their operator XXXX, who was unwilling to adjust a late fee that was equal to the owed balance. 

CHASE BANK are Monsters, and deserve to be broken up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
XX/XX/2021 I spoke with my lender and completed all application. My lender confirmed receipt of my application and I was told his partner will contact me. The partner acknowledge the email as well. 

Within 20 minutes, I received a call from someone that claimed to be the partner, same name as the partner for my lender. After brief review on phone she transferred me to someone from AmeriSave Mortgage Corporation. 

I spoke with the AmeriSave Rep. thinking they are connected with my lender because I was just discussing with my lender. 

Later in the evening, I was on a call with my lender and I explained to him I got call from his partner after his email and he said that was not his partner and we confirmed it was not from his partner.

I called the AmeriSave Rep. and asked how he got my number and he confirmed Credit Bureau sent them my contact number after a lender checked my credit scores/information. 

I just felt this is wrong, I gave all my information to the Rep which I think is wrong. I do not know AmeriSave or trust them but because my information was shared with him and the name of the lender I was working with initially, They were able to confused me to think it was same as my original lender.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: CA

Complaint narrative:
in 2007 I started a Dial up internet plan for my mother at her home. XXXX XXXX XXXX made this dialup service a Long distance number. Every time my mom went online she was charged exponentially because of the long distance number that was created for her service. Resulting in hundreds of dollars on her first bill. When I received the bill, Immediately called XXXX XXXX XXXX to find out the issue. Customer service said that it as because they accidentally made my mothers number a long distance number, but refused to change what I what I owed for the month 1/2 of service. I spoke with them many times and they would never lower it. This happened over 14 years ago. I believe XXXX XXXX XXXX sold this old debt to a collection company and now they are trying to collect it as new.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my second and final attempt to get this matter resolved with out additional council from my states AG being involved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX  FTC as well as my States Attorney General. 

My first letter to your company was sent in on XX/XX/21. My letter was to inform you of the erroneous, inaccurate, unverifiable, and incomplete items on my report. It was also informing you that my information was involved in the Equifax data breach. 


The listed items are completely inaccurate and incomplete. This is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. You have had more than enough time to complete your investigation, and you have failed to respond with in that given amount of time ( 30 days XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I insist you finish your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Hello, On XX/XX/XXXX XXXX well over one year ago ) I bought a XXXX XXXX  Concert Ticket for my husband through XXXX but financed the purchase through Affirm. The ticket purchase was in the amount of {$680.00}. 

The XXXX XXXX concert was canceled due to COVID-19 and the status of the concern is saying " TBA. '' I have asked both XXXX and Affirm to refund me my money but XXXX tells me that they can not cancel and refund the ticket unless the concert is showing a " cancelled '' status and Affirm is telling me that they can not refund my money until XXXX tells them to refund my money. 

XXXX has refunded everyone 's money on their XXXX XXXX ticket that requested one due to this show being cancelled even when showing a TBA status. 

We do not want to way for literally " years '' to get our money back on the ticket and we bought the ticket for a particular " date '' which was for XX/XX/XXXX at the XXXX XXXX, XXXX, Texas. 

Please help get me my refund. The Affirm ticket financing was paid off in full on XX/XX/XXXX. 

Both companies XXXX and Affirm are giving me the runaround about my refund request. Again, XXXX says they can not refund any concert ticket that is showing a status of " TBA '' and Affirm is telling me they can not refund my money until XXXX tells them they can. 

I would like to file a complain on " both '' of these companies - XXXX " and '' Affirm. 

We have waited long enough for XXXX XXXX XXXX band to figure out what they are going to do. 

Thank you very much! 

Sincerely, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have disputed the account with XXXX services on my credit report several times ( XXXX/XXXXXXXX, XX/XX/2020 ). I keep telling them it is a fraud, and have no business with that company. I do not know who they are. The information does not even match on the sites.This is hurting my score. 

I also contacted XXXX XXXX  and they stated I have never been delinquent because I have been on deferment. 
There are several old accounts I asked to be removed, and they have not been. 

Please help 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