vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/2017, when I bought a home and moved from XXXX apartment before a week to expire the lease but paid fully, I and my family cleaned the apartment very nicely. She had to return the security deposit of {$890.00}, all or some. Instead, she sent me a bill of {$2000.00} and she said that she has paid that to clean my apartment and that {$1100.00} is left over after deducting the security deposit of {$890.00} as per her. We had left the apartment in clean conditions and she did not spend any money to further clean. I asked her to show me the formal proof of payment or proof of expenditure to clean the apartment, she was not able to show any evidence of payment made to clean the apartment. And there was nothing mention in the lease about the post clean of apartment if it was made too. She was simply taking advantage of simplicity of me and my family to make us pay. I told her, " Regardless of nothing mention in the lease about the post clean of apartment, I will pay if you have a proof of payment made to clean the apartment ''. She had no any bill or any thing. Here she is not honest. She is simply trying to make me pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XX/XX/2017, when I bought a home and moved from XXXX apartment before a week to expire the lease but paid fully, I and my family cleaned the apartment very nicely. She had to return the security deposit of {$890.00}, all or some. Instead, she sent me a bill of {$2000.00} and she said that she has paid that to clean my apartment and that {$1100.00} is left over after deducting the security deposit of {$890.00} as per her. We had left the apartment in clean conditions and she did not spend any money to further clean. I asked her to show me the formal proof of payment or proof of expenditure to clean the apartment, she was not able to show any evidence of payment made to clean the apartment. And there was nothing mention in the lease about the post clean of apartment if it was made too. She was simply taking advantage of simplicity of me and my family to make us pay. I told her, " Regardless of nothing mention in the lease about the post clean of apartment, I will pay if you have a proof of payment made to clean the apartment ''. She had no any bill or any thing. Here she is not honest. She is simply trying to make me pay.

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 2018-06-05 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: GA

Complaint narrative:
I recently purchased a new vehicle from XXXX, the business manager ran my credit 3 times without disclosing me that he was needing to pull it. The representative admitted his mistake in pulling one and indicated he needed to pull from a separate source which was not disclosed. I filed a dispute with equifax online and after numerous failed attempts at accessing the report on their website was directed to call them. After speaking with a representative of equifax was informed they would not be able to dispute any inquiries despite contacting the creditor whom pulled to have them removed. No where on their website does it state these can not be disputed and was a complete waste of my time. I feel like they are refusing to protect my credit from these inquiries that were unauthorized and need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: TX

Complaint narrative:
Experian has failed to properly investigate/delete an account showing negatively on my credit report. I have sent letters dated all the way back to XX/XX/2017 asking for a lawful investigation of the XXXXXXXX XXXX account showing on my report. XXXXXXXX XXXX  has admitted to me via letter that they do not possess an application with my signature that would validate a debt. I have forwarded this letter to Experian. Also, XXXX ( an organization that mirrors Experian in account investigation processes ) has deleted this same account from my credit report due to inability to validate it in compliance with the FCRA. Experian & XXXX have both maintained to ignore their violation of federal law and fail in deleting this account which violates the FCRA.

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 2018-06-05 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: CarMax, Inc.
State: FL

Complaint narrative:
I contacted XXXX XXXX regarding one late payment showing on my credit report dated XX/XX/2016. The arrogant customer service representative did not make any efforts to assist with my request. My payment history has been excellent with the exception of ONE late payment. She rudely hung up on me without providing any other options to rectify the one reported late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: VA

Complaint narrative:
I sent a letter of dispute asking for them to validate the amount they were attempting to collect by sending a signed contract. They did not send the information I requested, but instead reported to the credit bureau 's that it had been validated when in fact they are still investigating the claim. They also sent a letter stating that I had to request substantiation of my account if I rewrite them again. I have informed them that they are are required by federal law to validate - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Waypoint Resource Group has on file of the accounts listed below. Please provide me a complete copy of all the information that was transmitted to the 3 major credit bureaus as part of their investigation, as required by FCRA. 

Accounts disputed : Waypoint Resource Group Account Number : XXXX Amount : {$110.00} Waypoint Resource Group Account Number : Unknown Amount : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I declared bankruptcy in 2010. among the accounts discharged was a credit card account issued by XXXX XXXX XXXX XXXX , for $ XXXX and a loan consolidation for $ XXXX, prior to which had no late payments or negativity associated with the debts. Shortly after I disputed with Experian, to remove the false late payment information reported by the credit union, and they removed them. Still the credit union, now named XXXX XXXX XXXX, reports an open credit card account for {$7500.00}. that is raising my credit to debt ratio, nice for my score, but makes obtaining new credit more difficult, as my income remains the same and there is a threshold to how much credit lenders can offer. This caused me to lose a huge opportunity when my state issued me a permit and I couldn't fund the final requirements for start-up. I have disputed many times and it is always verified by the creditor as a correct reporting. 
When contacting the credit union, I am met with a direct connection to a certain manager, whom had also transitioned to XXXX XXXX XXXX. In our brief conversations I am met with accusations of thievery and inconsolable latent hostility. They added {$2500.00} to my credit limit after my bankruptcy and wont let me close the account. I even want as far as contacting the credit card fraud department and they could not help me because the account does not exist

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 2018-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: AL

Complaint narrative:
Contact by the debt collector XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX was made via USPS on or around XX/XX/XXXX ( letter dated XX/XX/XXXX ). Limited information was provided. It came to my attention that collector had called my mother asking to speak with me. When asked what it was in reference to she was hung up on. I contacted the collector by phone and was asked to verify name, address, and date of birth. I refused to provide date of birth since to my knowledge that was not information that the collector had. Collector told me that without that information she would not speak to me and hung up. My mother was contacted at least 2 other times each time collector was told that I was not a resident at that number. 
On XX/XX/XXXX I wrote a letter asking for many details to verify the debt. This letter was mailed certified on XX/XX/XXXX. I received notice 10 days later that the letter had been received. 
On XX/XX/XXXX I received a response to my letter detailing the debt as lab work ordered by my dr on XX/XX/XXXX and completed by XXXX XXXX XXXX. I knew this to be my very first prenatal visit and that prenatal visits were covered 100 % by my insurance. I contacted my insurance co who informed me that the lab used was out of network at the time ( lab is now closed and filed for bankruptcy and being investigated by feds ) Insurance paid in network costs at the time. I contacted my dr who was in network at the time of service. I was told immediately to file a dispute that many patients had contacted them regarding this lab and debt collector. That it was possible that the lab had conducted tests that were not ordered by the dr . 
I then called the collector to verify filing a dispute. I was told by the collector that since I had contacted them via letter and they had replied that my debt would soon fall out of dispute and that I would be responsible for paying the debt. I mentioned no correspondence with the lab regarding the debt and receiving no correspondence other than a letter from the collector. I mentioned the phone call to my mother to which they denied even having her number. When I insisted again that she had been called more than once, I was told that her number had been removed. I asked why I was never called if they supposedly had my phone number and they told me they had on record that they had called 6 times and are not allowed to leave messages. In my line of work it is not considered contact unless you actually spoken with someone ... 
I feel that this is all very fishy. I do not feel that I legitimately owe the money and feel that further investigation should be completed before being pressed for payment. I also feel that all of the information that I requested was not provided and that communication was not properly handled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
XX/XX/2018 - received a call from XXXX XXXX XXXX in an attempt to collect {$120.00} in a past due medical bill. The agent asked how I would like to take care of the debt today, and I told her that I did not have any money to pay today. She then asked when would I be able to pay the debt, and I said within a month I should be able to pay. She then made the comment of " It is going to take you a month to pay {$120.00}? '' in a very rude and demeaning tone. I then asked the agent if she had {$120.00} I could borrow to pay the debt and she returned with a question " You pay your cell phone bill right ''. I took that question to mean, if I am able to pay my cell phone to keep the collection calls coming in then I should be able to pay the {$120.00} amount that is owed. I asked to speak with her supervisor. The supervisor came on the line and very rudely stating the agent advised her of the situation. I explained to the supervisor how I felt that the agent was making fun of my financial situation and asked the supervisor what business is it of the agents if I pay my cell phone bill. The supervisor explained that financial information is asked to determine if a person can actually pay the debt that is owed. I told the supervisor that I understood but that should've been a statement made prior to asking about my cell phone bill. The supervisor became very rude and dismissive as if my complaint was not worth her time. I then asked to speak to her manager and advised that I did not want to speak to no one other than a Manager. She placed me on hold, and a man by the name of XXXX who addressed himself as the supervisor of the previous supervisor. We discussed the entire situation and I advised that had the agent told me financial information is needed to determine the eligibility of payment question would been taken differently. I began to asked what their processing in these situations were he stated that he would listen to the call and speak with the agent and return my call. I told him I would appreciate that but I would like his manager to return my call. Then he stated " Instead of trying to figure out our process, you should be trying to figure out how you will come up with the money to pay the {$120.00} that you owe. '' and he disconnected the call. 

How can debt collecting agents call people and treat them as if we personally owe THAT agent money. 

They don't understand my current life situation, to call me first thing in the morning and make fun of my financial situation and be so demeaning to someone they don't know. To make people feel as though they have nothing else to live for but to pay them. Do they realize some people can be on the verge of a XXXX XXXX or even XXXX and one call like this can push that person over the edge?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX our deposit ( {$2500.00} ) was accepted without a hold and our online account reflected the full funds in the balance XX/XX/XXXX. The payroll check was drawn on XXXX XXXX XXXX from a business account we have owned for over 25+ years and not one payroll check has been returned in that time frame. We have had a personal Bank of America account for over 30 years so there is a consistent pattern of deposits of these payroll checks being accepted without issue. The next day ( XX/XX/XXXX ) we confirmed the deposit and processed some bill payments. The following day, which was three business days after deposit or XX/XX/XXXX our balance reflected a reversal of the deposit, putting our account into overdraft. BofA explained the reversal based on suspected fraud claiming the XXXX XXXX XXXX check was possibly fraudulant. Since we owned the XXXX XXXX XXXX payroll account we had proof it was not fraudulant having hard copies of the XXXX XXXX XXXX payroll account showing the funds CLEARING the account and confirmation of BofA receiving the funds before BofA withdrew our deposit. We had proof the funds left XXXX XXXX XXXX but BofA still took our funds out of our account. We personally spoke to a branch representative who said they would look into it as well as speaking with a phone representative. Each time we asked they contact XXXX XXXX XXXX since we had hard copies of the account activity but they said that was not the process. The outcome was the funds were returned immediately ( day three ) to cover the bills. The scary part? None of the transactions are reflected on the statement. The negative balances disappeared, the day one deposit  disappeared and instead, the deposit is now showing a back-dated date of XX/XX/XXXX. Absolutely no paper-trail of the actual activity. Does the Congressional Committee for Finance find this acceptable behavior? If the bank claimed " Suspected Fraud '' on just 10 % of all consumer deposits in a {$2.00} trillion company they could change their balance sheet and people like me can't do a thing about it. We can't float checks anymore but BofA can float deposits at will? I will be closing my account, and there is no acceptable resolution since the issue is integrity and trustworthyness.

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 2018-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XX/XX/XXXX, XXXX and XXXX. I contacted XXXX XXXX because my credit limit was lowered without prior notification for ( 3 ) cards I have with them. XXXX , XXXX, and XXXX XXXX. I reached out to them because when I logged in online my available credit was {$0.00}. After contacting them I was informed that a letter was sent to me on XX/XX/2018 which was ( 2 ) days before I noticed this issue. A letter that I still have yet to receive. The ethical thing to do would have been to notify me first advising that on my next statement that my credit limit would decrease. This would at least have allowed me the opportunity to make a payment that would provide me with an available credit balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX has failed to properly investigate/delete an account showing negatively on my credit report. I have sent letters dated all the way back to XX/XX/2017 asking for a lawful investigation of the Synchrony Bank account showing on my report. Synchrony Bank has admitted to me via letter that they do not possess an application with my signature that would validate a debt. I have forwarded this letter to XXXX. Also, XXXX ( an organization that mirrors XXXX in account investigation processes ) has deleted this same account from my credit report due to inability to validate it in compliance with the FCRA. XXXX & Synchrony have both maintained to ignore their violation of federal law and fail in deleting this account which violates the FCRA.

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 2018-06-05 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: Second Round Limited Partnership, Austin, TX Branch
State: TX

Complaint narrative:
XXXX has failed to properly investigate/delete an account showing negatively on my credit report. I have sent letters dated all the way back to XX/XX/2017 asking for a lawful investigation of the XXXXXXXX XXXX account showing on my report. XXXXXXXX XXXX has admitted to me via letter that they do not possess an application with my signature that would validate a debt. I have forwarded this letter to XXXX. Also, XXXX ( an organization that mirrors XXXX in account investigation processes ) has deleted this same account from my credit report due to inability to validate it in compliance with the FCRA. XXXX & XXXX have both maintained to ignore their violation of federal law and fail in deleting this account which violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has failed to properly investigate/delete an account showing negatively on my credit report. I have sent letters dated all the way back to XX/XX/2017 asking for a lawful investigation of the XXXXXXXX XXXX account showing on my report. XXXXXXXX XXXX has admitted to me via letter that they do not possess an application with my signature that would validate a debt. I have forwarded this letter to TransUnion. Also, XXXX ( an organization that mirrors TransUnion in account investigation processes ) has deleted this same account from my credit report due to inability to validate it in compliance with the FCRA. TransUnion & XXXX have all maintained to fail in deleting this account which violates the FCRA.

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