vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: WI

Complaint narrative:
Americollect sent me to collections, PRIOR to investigating the dept. 

XXXX XXXX  Fire Department ( XXXX XXXX XXXX ) sent me a bill. The problem was, the address was incorrect. I never received the bill nor did I receive any phone calls. 
I NEVER received a phone call message. 
The first that I was made aware of ANY outstanding bill was XX/XX/2021 when the " Collection '' appeared on my credit report. I IMMEDIATELY paid the bill via XXXX XXXX XXXX ( Conf number XXXX ) As you can see, Americollect sent me a bill ... but AFTER the debt was already paid. Apparently, the original billing department had my address listed in XXXX WI and not in XXXX, WI. 
I have sent Americollect an email and have not received a response of any type.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: VA

Complaint narrative:
I am being contacted by a debt collection company by e-mail called True AccordXXXX XXXX XXXX stating I owe {$150.00} for an account I do not have. They started contacting me on XX/XX/2021 and XX/XX/2021. I called them and I told them I do not have a collection account. Further more I do not know how they have my name, address, e-mail, and phone number, I feel this is harassment and it needs to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX is reporting information that I have asked to have verified multiple times. The Debt collector is reporting different dates and payment activity to the different bureaus.

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 2021-03-23 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:
XXXX XXXX XXXX, XXXX is reporting information that I have asked to have verified multiple times. The Debt collector is reporting different dates and payment activity to the different bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened up a checking account with fifth third bank and was being promised {$600.00} account opening promotion bonus. 

The promotion bonus was divided into 2 parts : - {$250.00} for funding the account with direct deposit {$350.00} - Increase the balance in the account by {$14000.00} " within 45 days '' and maintain {$14000.00} for 90 days The complaint is that I met the condition of adding funds within 45 days but still 53 is not honoring the 2nd part of the bonus which is {$350.00}. 
The reason that they have told that the promo code fell off the account in between when I lowered my balance less than {$14000.00} for couple of days. 

But, having said that, I still have 45 days to recouped to the bonus requirement within 45 days which I eventually did. 

The 53rd bank has violated terms and conditions wherein they gave me time period of 45 days to meet the criteria. When I have met the criteria within 45 days, it shouldn't matter as how many times the balance fell below {$14000.00} or not. 

The bank is performing malpractices to avoid giving promotion bonus. 


Here are the account details - Account name - XXXX XXXX Account # XXXX XXXX branch location where account was opened - XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone # of the branch - ( XXXX ) XXXX Best Regards, XXXX XXXX Cell : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23 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: TN

Complaint narrative:
XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY

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 2021-03-23 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: TN

Complaint narrative:
XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: CA

Complaint narrative:
Around XX/XX/XXXX, we received an alert from our ProtectMyID service, as well as XXXX credit card that a major derogatory has shown up in our credit report under the name AFNI Collections. We tried resolving it through the XXXX service but after some phone tag, they seem to have no intention of helping us further. We later received another alert - XXXX XXXX. Also note that the original Creditor account numbers are the same, so I assume that the collections account was sold from AFNI to XXXX XX/XX/XXXX. 

I contacted XXXX XXXX, found out it's a XXXX XXXX  account. I contacted XXXX XXXX, was told it's an XXXX XXXX XXXX XXXX account, and was given some information about the account, including an account number. I was then being " transferred '' to the XXXX XXXX XXXX XXXX department, but was put on a very long hold. I waited 30 minutes and gave up. Then I tried contacting AT & T UVerse directly, but the operator kept routing me to extensions where no one ever picked up the line, and the call disconnected. I am at a loss, I can't contact the company that is doing major damage to my credit. I have already submitted a report to the FTC, and planning to freeze my credit, but I need help removing this from my credit report. 

XXXX XXXX XXXX numbers called, did not receive help : XXXX XXXX Info on Fraud account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraud service address : XXXX XXXX XXXXXXXX XXXX. 
North Carolina Acct. active around XXXX - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: CA

Complaint narrative:
My credit score dropped 21 points in one day XX/XX/2021 even though I reduced my debt credit usage from 93 % to 77 % and have paid off a loan recently. This happened because my professional association was promoting a private student loan refinance company known as XXXX XXXX, owned by XXXX XXXX, and included a link to calculate an estimate of the interest rate one may obtain with XXXX XXXX should they refinance with them. This was promoted as a finance tool however when I used it, it resulted in a report to the credit bureaus of a hard inquiry as if I had applied for an actual loan.The purpose of the promotional email was to encourage members of my professional association to research if they could first possibly qualify for a better interest rate, BEFORE, submitting a formal loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit score dropped 21 points in one day XX/XX/2021 even though I reduced my debt credit usage from 93 % to 77 % and have paid off a loan recently. This happened because my professional association was promoting a private student loan refinance company known as XXXX XXXX, owned by XXXX XXXX, and included a link to calculate an estimate of the interest rate one may obtain with XXXX XXXX should they refinance with them. This was promoted as a finance tool however when I used it, it resulted in a report to the credit bureaus of a hard inquiry as if I had applied for an actual loan.The purpose of the promotional email was to encourage members of my professional association to research if they could first possibly qualify for a better interest rate, BEFORE, submitting a formal loan application.

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 2021-03-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- INSTALLMENT LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$2100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
Sequium Asset Solutions reported a delinquent XXXX XXXX account on my credit report. Neither the name or address are mine. I contacted Sequium and informed them to which they stated that they would place the account in a fraud status until further investigation was done. That simply means they won't try to collect the debt, but they were not saying that they would remove the account from my credit. I informed them that this is the 2nd collections company to have reported it to my credit and the first one was deleted by the XXXX XXXX XXXX and the credit reporting bureau. Additionally, I have a fraud alert on my credit specifically due to this activity. They made no effort to collect any amplifying information from me with the intent to delete the inaccuracy from my report. I was told by Sequium that I would need to contact XXXX XXXX XXXX to have them " pull it back ''. I did that and XXXX XXXX XXXX told me because it was already sent to an external collections company that Sequium would have to delete it. Sequium is the 2nd company to irresponsibly report negative debts on my credit for this account and should be reprimanded for it. Collection companies should have a responsibility to verify the identity of accounts before sending them to the credit bureaus. Based on the information contained on my report, Sequium made little if any effort to make notification or attempt a collection before reporting it. The time between the account being deleted the first time to the second reporting of it was less than 60 days. I only found it by happenstance. 
Attached is the correspondence with XXXX XXXX XXXX. They determined the account to be fraud and deleted it, so I expect Sequium to do the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: CA

Complaint narrative:
TransUnion has failed to update my credit report, even though they were informed by XXXX XXXX that the two hard inquiries dated:XX/XX/2019 & XX/XX/XXXX were fraudulent and had to be purged from my credit file. 

Listed below is the information as it shows on my credit report which was pulled today : XX/XX/XXXX. 

Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an inquiry means that the company listed received your credit information on the dates specified. These inquiries will remain on your credit file for up to 2 years. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Attached is proof from XXXX XXXX that the information for removal was communicated on XX/XX/XXXX to TransUnion.

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 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
The ACH Transfer is made for XXXX XXXX a total amount of {$1700.00}. At first we helped him with {$1500.00} and then give him additional {$250.00}. We are trying to help him and being generous but at end it was a scam. They are doing fraud and scam so they can get money. Is it possible to get the money back because I tried to reverse the ACH before because they told us before we can reverse it unfortunately they informed as in the branch we cant reverse it. He never respond to my text or call. XXXX XX/XX/XXXX, XXXX {$1500.00} XX/XX/XXXX, XXXX {$250.00}

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 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: MI

Complaint narrative:
They have called multiple times in the past 2 weeks alone I have asked on multiple occasions for them to stop calling. Also they are trying to collect a debt that is in dispute both with the credit bureaus and with the FTC as well and they dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I haven't been able to access my American Express Bluebird account online for the past 3 days. On XX/XX/21, I loaded {$1900.00} cash to my Bluebird card at my local XXXX. I went home and attempted to access my account in order to transfer money to my set aside account and pay some bills. I can't sign in to do anything. I called the number on the back of my card and, after holding for a very long time, got a foreign sounding customer service agent who was unable to help me. I am not the only person having no luck accessing their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: SC

Complaint narrative:
I filled a dispute with the credit bureaus and its been well over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: SC

Complaint narrative:
I filled a dispute with the credit bureaus and its been well over 45 days.

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 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: CA

Complaint narrative:
On XX/XX/2020, I was driving for XXXX and while at RedLight I accepted an order on my phone. I was pulled over and was given Violation 23123.5 ( a ) DRIVING WHILE OPERATING A HANDHELD WIRELESS TELEPHONE OR ELECTRONIC WIRELESS COMMUNICATIONS DEVICE which I obtained an attorney and contested NOLO CONTENDERE. I just clicked on screen to accept order.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
I am getting repeated emails from a debt collector in southern California who claims that I owe nearly {$600.00} dollars for a electronic traffic violation in XXXX XXXX two years ago. I have not left the country in over 10 years. I received the latest email at XXXX today, XX/XX/2021. I have received 3 of these so far. I have been sent to collections before, I have never seen an email trying to collect period, especially with just vivid writing and font, I called the number, there was a totally generic operator that answers and a very disgruntled, mean woman picked up the transfer. When her tone was too much to bear we had words and she told me off and hung up, which is suspicious in of itself. They go by the name of Cedar Business Services and they claim to be based in XXXX California, The also want me to contact them at email XXXX XXXX XXXX XXXX, another weird sign, trying to be more official.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates, LLC ( Debt Collector ) XX/XX/XXXX, {$2600.00}, I disputed this charge but it was sent to a credit collection bureau named Portfolio Recovery Associates, LLC and its not being removed on my credit report. 


XXXX XXXX XXXX  XXXX Credit Card ) XX/XX/XXXX, XX/XX/XXXX, {$1100.00}, I disputed this charge but they want me to pay when this wasn't my debt either this charge won't come off my credit repot either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
On WednesdayXX/XX/2021 I called evergreen professional recoveries to try and resolve a debt that I received in the mail and said I had 30 days to respond and take care of my debt in good faith. So I did just that I spoke to a man that asked me my name and said I have to transfer your call when I got transferred another man asked for my info and then asked about my spouse. He then said I owe XXXX and proceeded to say I had 30 days to pay or I was going to get sued by them. He didnt offer any resolution to my situation.I told Him I didnt have the money and if I could be put on a payment plan he told me no I then told them I would call back.

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