vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-06 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:
inaccurate information showing up on my credit report that are not mine or balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Since XX/XX/XXXX I have been asking Bank of America to stop all automatic payments. Now I have 36x {$35.00} NSF fees and they are still adding up. 

First the bank told me the payments will still go through but I will be charged the {$35.00} NSF fee. 

No the payment is not going through, and they are bouncing the payment and still charging {$35.00} for return check fee. 

The Businesses keep trying to charge, and they keep bouncing and charging me. 

Bank of America is so wrong for this.

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 2018-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
An account by the name of Ability Recovery Service opened on XX/XX/2018 was on my credit report in the amount of {$990.00}. This debt has been has been sold I do not owe this agency. I would like this account removed from my credit report indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
inaccurate information showing up on my credit report that are not mine or balance

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 2018-03-06 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:
inaccurate information showing up on my credit report that are not mine or balance

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 2018-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX Spoke with rep XXXX at Bank of America. She refused to speak to me unless I stated I was not recording the phone call. She did not request permission to record the phone call, and she refused to shut off their recording of the conversation. The only thing she would do is to dump me into someones random voicemail. Considering her behavior on the phone I have no doubt I will NOT receive a call back. 



All of these actions on the part of BAC are illegal. Its obvious they dont want to be recorded because they are committing violations of Federal and State Law.

Weve already caught them and they have admitted on a recorded line that they have willfully destroyed documentation on this file once. What is BAC trying to hide? Are they going the way of XXXX XXXX in this illegal behavior? 


BANK OF AMERICA DEMANDS CONSENT TO RECORD BUT REFUSES TO ALLOW THE OTHER PARTY TO RECORD??? 


Bank of America has already been fine XXXX XXXX dollars over the past 10 years for XXXX   SERVICING. Bank of America is the MOST FINED SERVICER since the mortgage crisis  began. 


WHAT IS BANK OF AMERICA TRYING TO HIDE???

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 2018-03-06 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: Pinnacle Financial Group, Inc.
State: MD

Complaint narrative:
satisfaction of civil judgment. Balance due to the creditor is {$0.00}, however, credit report showing that account was charged off and that there is a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: FL

Complaint narrative:
I received a letter in the mail from this company saying I owed money and called them to confirm. My first call i spoke with a representative who told me this debt was for a house I rented and she spouted off an address where I have never lived. I then asked her for a copy of the leasing agreement so I could verify this debt. The representative became combative and asked me why did I need verification of the debt. I told her its my legal right for the debt to be paid and I wanted documentation. I have just now received documentation but out of a 20 page leasing agreement I only received 5 pages. NONE of which can verify that it was ME who this debt belongs too. There's no copy of my ID - no date of birth information or even my social on any of the incomplete paperwork that was sent. I would either like proper verification of this debt or I would like it removed from my credit report for failure to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I contacted XXXX XXXX XXXX to have my extended warranty cancel they refused to do so stating that money would not be returned back to us then it will be applied to the lien holder which is Credit Acceptance. After contacting Credit Acceptance they refused work with us or lower our payments due to hardship and stand they repossess my car then they have a repossession showing on my credit report only after a week the car was taken not even contacted me or giving me an option to try to resolve the issue I would like for you to contact when Insurance Company as well as credit acceptance to resolve this matter is false advertisement. The purchased of this vehicle was fraudalent from the beginning with XXXX XXXX, XXXX XXXX and Credit Acceptances. They are all involve in scamming customers

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 2018-03-06 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: NC

Complaint narrative:
I have reason to believe that my XXXX year old son has had his Social Security Number compromised. I am getting five to ten phone calls a day for him to help fix his credit, pay his bills, people claiming to be the IRS, etc. I also started receiving credit card approvals in the mail, and credit applications for him. I am filing a police report, and also will be contacting all three credit bureau 's, and the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have reason to believe that my XXXX year old son has had his Social Security Number compromised. I am getting five to ten phone calls a day for him to help fix his credit, pay his bills, people claiming to be the IRS, etc. I also started receiving credit card approvals in the mail, and credit applications for him. I am filing a police report, and also will be contacting all three credit bureau 's, and the Federal Trade Commission.

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 2018-03-06 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Card has " charged-off '' my balance for purchases that were committed under fraud by the managing member of the business we sold to him on XX/XX/XXXX. On XX/XX/XXXX our card had a zero balance. After the sale, this individual made purchases on this account from XX/XX/XXXX through XX/XX/XXXX and accumulated late fees and interest charges on this until Chase just " charged-off '' the {$1300.00} balance and it is reported on my personal guarantee. All of the credit card statements were going to the buyer of my business and Chase Card never notified me prior to the " charge-off ''. I noticed the problem on the XXXX website on XX/XX/XXXX. I spent well over an hour on XX/XX/XXXX & XX/XX/XXXX phone calls with Chase Card but they continued to tell me that they can not provide me with any details due to their information policies. Since this was on my personal guarantee, I should be supplied with all attempts to collect on this account from the buyer of he business and any other pertinent details. The Chase representatives forwarded me to their Corporate Card Charge-off Resolution & Credit Bureau Specialist. That just allowed me to waste more time on hold and talking to people who could not give me a single detail about my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: MD

Complaint narrative:
satisfaction of civil judgment. Balance due to the creditor is {$0.00}, however, credit report showing that account was charged off and that there is a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GOLD KEY CREDIT, INC.
State: OH

Complaint narrative:
On XX/XX/2018 I received a call from this company. The representative stated their name, I have since forgotten the name. They hung up before stating any information regarding the call - simply their name and they hung up. 

I subsequently called back to see who was calling me. It is rare for me to get a random number calling. I got the same person, and said you just hung up on me - what were you calling about? She then asked who I was. I told her that I just received a call from her number, and the person identified themselves with her name. I'm not sure if the call is for me or not, but I was trying to find out. She said that until I was ready to identify myself on the phone she couldn't help me, and hung up. 
I called again, and asked for a manager. The person that I spoke with this time said that someone could call me back. I stated that I could hold. She said that they don't transfer calls there. So I explained that I am trying to understand the nature of the call that I am receiving. By this point, I had at least been able to XXXX the company to know that they are in fact at least a company with a website, but nothing that I have any knowledge of business with. I gave her the phone number that they called, and the representative confirmed that they were in fact calling for me. I identified that I am in fact the correct party and how can I help them? She then says she can't tell me why she is calling unless I provide my address and date of birth. WHY would ANYONE ever give an unknown person at an unknown company their address and date of birth when they have no knowledge of who they are or why they are calling??? I replied that she does not need that information and again asked how I could help. She refused to speak with me, and I requested no further calls from them as they refuse to state the purpose of their call. 
Upon arriving home I had a letter in the mail from Gold Key Credit. The letter informed me to the purpose of their call. My concern is that due to the extremely unprofessional manner in which they handle themselves, I instructed them to never call me again. A balance could of ended up reported to my credit, simply because the employees are to inept to identify the purpose of their call prior to asking for key personal identification information that most people will not provide without any knowledge of why they are providing such information. Since their managers don't take calls, this is the only avenue remaining for me to voice my concern.

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 2018-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: TN

Complaint narrative:
World Acceptance Corp ( XXXX XXXX ) has been paid in full and still remains on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
I noticed an account on my credit report from Optimum Outcomes for {$290.00} and was unaware of a debt owed. I tried pulling up information about the debt but could not locate anything from the company. I used the address listed on the information tab for the company and sent a certified HIPAA and debt verification letter to the company on XX/XX/2018 and have still not heard anything back from the company telling me why I owe the debt, whom I owe the debt to, nor what the debt is for. In the collection tab on my credit report it states the debt was for medical but that is all I can find out. The company was had almost 60 days to verify the debt and has not communicated with me at all. 

Certified letter sent XX/XX/2018 to Optimum Outcomes XXXX XXXX XXXX # XXXX, XXXX XXXX, IL, XXXX Certified mail # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: CA

Complaint narrative:
I went into a XXXX XXXX store. I had purchased a phone that I could use with their services and wanted to transfer my phone number over to them. Once there I provided photo ID ( Driver 's License ) and my Social Security #. They informed me that someone with a different name had an account already opened with my Social Security number. 

At the time they wanted me to fax a copy of my social security card to their activation department, which I grabbed and brought with me to the store, but there was no fax machines on location. They told me to call customer care. I have called customer care six times now, starting on Sunday XX/XX/XXXX, and no one has been able to help me in correcting this fraud. One of their customer care phone operators, XXXX, guided me to this website to file a claim. 

I have received little to no help, I have found out that multiple employees did not file fraud claims as they said they would. I have received differing stories on how long this process will take, and have been told multiple different and conflicting ways to handle the problem.

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 2018-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
repeted phone calls 5 -10 times a day. block number so they call from different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: HI

Complaint narrative:
I believed that all of my payday loans were paid. I have not received any information regarding this debt from XXXX XXXX XXXX. I spoke with a man from XXXX XXXX, after an electronic phone message was left on my coworkers phone. I called the number listed in the message ( XXXX ), and they had no record of me. I then called the number that left the message ( XXXX ), and he said he was from XXXX XXXX, and that he was trying to to collect on a debt from XXXX XXXX XXXX. I asked him for written verification and the address where the alleged written communication was sent. He stated that it was to an address that I have not lived at since XX/XX/2011. He stated that he did not have any documentation and that I needed to set up payment arrangements. When I asked how I could get some type of documentation, he said, " ok since you are not willing to pay, I will forward your case to the court and you can wait to be served by them. '' I looked up the company, XXXX, and the contact information is wrong.

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 2018-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical & Professional Collection Services, Inc. NC.
State: IN

Complaint narrative:
This company reported that I owed medical bill. This company reported they have contacted me twice and left a message. Never got any messages. This company reported that I sent them something by fax. I do not own a fax machine. All my correspondence is done my mail which is a paper trail for me. This company stated they have sent me several letters. I only have received one letter with my diagnoses. This company has refused to validated because they are right. I feel like this company is violated the FCRA as a consumer and they are getting away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I have no business contract or any other type of dealing with this company. I am contacting the FTC concerning their unfair practices.I am also contacting my lawyer concerning them damaging my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX. 

I placed two complaints - see CFPB complaint # XXXX and # XXXX. 

This was debt was removed from my XXXX credit report - and has not been removed from my XXXX Credit report. I'd like it removed immediately. Thanks in advance!

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 2018-03-06 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I contacted Equifax on XX/XX/2017 @ XXXX pm mst, to let them know I had some fraudulent inquiries on my report. The rep refused to investigate and told me Ihad to  contact each agency myself. I told her it was fraud and she refused. It is my right to have inaccurate information removed. Equifax is reporting incorrectly so it is not my job to contact each creditor, it is Equifax since the are the ones with agreements with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: NC

Complaint narrative:
In XX/XX/2018 I filed a dispute with Equifax by mail regarding a debt of {$200.00} with XXXX XXXX XXXX requesting that Equifax confirm this debt is not mine, and remove it from my credit report. They came back confirming that this debt was mine and kept it on my credit report. I called XXXX XXXX XXXX on XX/XX/2018 and a representative at XXXX confirmed that this debt is not in their records under my name within their system. Equifax did not investigate this dispute properly for if they did they would have removed it from my credit report. I am filing a complaint against Equifax investigation process. A satisfactory process would be that Equifax does the job that I am requesting and remove this debt immediately since it is not my debt.

Company response to consumer: Closed with explanation