vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-22 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have attempted to get my free annual credit report from Equifax, repeatedly. When I attempt to request it be mailed to me, they require information used when I created an account with them, online, almost 20 years ago. When I attempt to update log in information so I can access my report, I can not locate this option. I attempted to request a digital copy, but though the request went through, their " download '' link seemed disabled. I tried again on a different device and received an error saying digital format was unavailable. When I tried to file a dispute, they requested verification of identity, but all of the questions/situations offered were unfamiliar to me, then I received an error stating the information I entered didn't match their information. 
I have attempted, numerous times since creating initial account, to request a copy of my report, and have hit a brick wall every time. I feel they are intentionally making the process such that the average person can only complete it once ... EVER, using the logic that if you were able to complete it once, no matter how long ago, they fulfilled their requirement to issue a free credit report as required by law. Please look into and resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
i was called by a person who passed herself off to be a medical person or close relative that my wife thought she was. than the woman wouldn't give her or me any information until i said who i was. she than said the information was being recorded. she stated that i owed XXXX and that it was in collections. i told her i don't owe that much and that the bankruptcy trustee paid them XXXX she refused to accept the amount i said i would try to pay and she refused to listen to me and said something like she didn't half too. she told me to have a blessed day and hung up.

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 2018-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RR Resource-Recovery
State: NY

Complaint narrative:
On my XXXX XXXX keeps coming up 2 separate in collections for {$30.00} dollars from XXXX XXXX XXXX. This has been paid. And is effecting my credit score. Also is there anyway of removing previous credit cards from my history report that have been closed for the over 7 years. Im trying to increase my credit score. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Seven checks were forged on my account. Two were cashed and then the funds returned for insufficient funds. Three more were returned for insufficient funds and I was charged for bounced checks. Two more were cashed and I have not been able to recover the funds. The total amount stolen from me was {$17000.00}. Of that {$11000.00} was returned because of the insufficient funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
XXXX and XXXX XXXX XXXX are pursuing me for medical debts after failing to submit a claim to XXXX and failing to properly process my charity care application. 

I have repatedly written to XXXX and XXXX XXXX XXXX to notify them that these debts are not valid. 

XXXX failed to submit a claim to XXXX for these services. I had valid XXXX coverage at the time I received these services in XXXX and XXXX of XXXX and provided my XXXX information to XXXX before I received all of these of services. 

On XX/XX/XXXX I applied for charity care for the services received at XXXX. XXXX failed to process my charity care application in a timely manner and continued to pursue me for these debts. I have attached a complete copy of my charity care application including copies of the bills from XXXX. 

Please note there are three account numbers provided by the creditor and three corresponding account numbers provided by the collection agency. I have attached a copy of the most recent collection notices I have received regarding all three of these accounts. 

The first account number provided by the creditor is XXXX and the corresponding account number provided by the collection agency is XXXX. The principal amount of this bill is {$280.00}. 

The second account number provided by the creditor is XXXX and the corresponding account number provided by the collection agency is XXXX. The principal amount of this bill is {$420.00}. 

XXXX sent me a letter dated XX/XX/XXXX explaining that an error had been made in the processing of my charity care application and that I had in fact been approved for charity care to cover all of these two bills. I have attached a copy of this letter. 

However, on XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX demanding payment for these two bills plus interest and threatening me with a negative credit report. 

The third account number provided by the creditor is XXXX and the corresponding account number provided by the collection agency is XXXX. The principal amount of this bill is {$190.00}. 

This bill was also included in my charity care application but apparently it was not processed correctly. 

A negative credit report appears in my XXXX credit record regarding this third bill. The amount of the outstanding debt reported to XXXX is {$230.00}, including interest. Negative credit reports may have also been made to XXXX and XXXX. I have attached a copy of the page from my XXXX   credit record with the negative credit report from XXXX XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My complaint begins with closing date XXXX payment due date XXXX statement. XXXX via app alert AMEX requested I make a payment because my current charges were {$2700.00} and requested I make at least a payment of {$1100.00}. Which I made through the app thinking this payment was going to the pay in full charges that was {$2700.00}. So, I made a payment on XX/XX/XXXX {$400.00}, XX/XX/XXXX {$1000.00} and {$190.00} through the app plus {$200.00} credits, total of {$1800.00} payments and credits. Minimum payment due for XXXX was {$800.00}. Payments through the app you can not select which balance to pay, it was explained to me their technology applies any payment to pay in full first then pay over time. XX/XX/XXXX bill is satisfied and extras {$1000.00} should have went to {$2700.00}. However, I learn from the next statement ( closing date XXXX payment due date XXXX ), the XX/XX/XXXX payment never went to pay in full charges but went to the pay over time balance, so now my min payment is {$2800.00} upon research this is because charges from XXXX were held back from the closing date XXXX in addition to the {$1000.00} not going to the correct balance. I made additional payments on XX/XX/XXXX {$530.00}, XX/XX/XXXX {$500.00}, XXXX {$700.00} and dissolve my points to pay {$610.00} which also were submitted on the XX/XX/XXXX but are backdated on the current statement. On XXXX I call to address the discrepancy and was told I should the correction on the next billing statement XXXX payment due date XX/XX/XXXX. On XXXX, I receive a call from AMEX saying my bill is past due. After being transferred 3 times and no one knowing what I am talking about, I explain to XXXX my phone call from XXXX because he was completely difficult and refused to look through the records. He says he will resubmit the request and again I am told it should be fixed in 24-48 hours. I call back on XX/XX/XXXX, I am transferred to about 5 to 6 people in between time I am hung up on and now I was furious! Every  associate has lied about their organization misappropriating my payments and manipulating charges to miss the correct billing statement. This predatory lending to say the least and I can not believe after 2 years and thousands of dollars this is the service they render to me showing no accountability and pathological lying. This is the same wonton behavior that led up to the Real Estate Crisis of XXXX and they will not get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received the attached letter ( XXXX XXXXXXXX XXXX XXXX XXXX '' ) on XXXX XX/XX/2018 thanking me for applying for a " XXXX credit card account ''. I did not apply for this or any other financial service from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have contacted Experian credit reporting agency regarding incomplete, missing and no data for certain time periods on my credit report, also late payment on a charge off account. After my dispute, they have decreased my credit score and have added negatives on all three of my accounts, one which is paid and in good standing, one that I am currently paying on time and the third I will be sending a goodwill letter to and make necessary payments. I have called them about this but they seem to be deliberately trying to hurt me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: IN

Complaint narrative:
My mortgage was sold to XXXX XXXX  by XXXX XXXX. When the account was closed by XXXX and a new account opened by XXXX to changed my average age of accounts. This caused my credit score to drop by 22 points at XXXX and 25 points at XXXX. Those are 'XXXX XXXX XXXX ' numbers. It dropped 28 points with Experian using XXXX XXXX XXXX. 

Banks buying and selling accounts is very common. The consumer should not be penalized for what banks do in their own time. I have done nothing to deserve this. 

I am relocating to a different state in 2019, and this is very terrible timing. My score will be lower as a result of something I had no control over. This will affect me when qualifying for a new mortgage and the interest rates I will be offered. 

The Average Age of Accounts might have some benefit toward risk assessment, but it makes my 30 years worth of credit look like I just opened my first account.This is an unfair business practice.

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 2018-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TriVerity, Inc.
State: OH

Complaint narrative:
Repeated collection letters about debt owed when auto was reposessed and austioned for less than amount owed. 

Lost employment and ability to pay loan after a XXXX in XXXX. Have informed collection agency of inability to pay on several occasions but new collection letter is sent every six months.

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 2018-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Enterprise Systems, Inc.
State: NC

Complaint narrative:
The original creditor for this debt is XXXX XXXX  XXXX. I spoke with them in XX/XX/XXXX and they instructed me to turn instrument in to local music store and said they would remove debt. Debt was originally reporting over {$2000.00}. 

After turning instrument in on XXXX XX/XX/XXXX, I thought everything was cleared as they said it would be. In XXXX, I found out that XXXX ( XXXX ) claimed I owe {$390.00} and added that to my credit report! I contacted them and explained I turned instrument in. They told me everything was fine and it would be removed from report. I called back because it was not removed but was told they could not talk to me about this issue anymore because National Enterprise Systems ( NES ) was handling this account. 

I spoke with NES and sent them proof of receipt for returned instrument. They in turn sent a bill to me for over {$2100.00} when XXXX is reporting {$390.00}. I called and asked them to provide in writing the details that could sum my owing what they claim. I scanned to them proof that XXXX is reporting {$390.00} on XXXX XX/XX/XXXX. 

My initial conversation started with NES on XXXX XX/XX/XXXX. They always transfer me to about 3 to 4 different people per call before getting some type of information about this debt. They end up telling me that XXXX have been contacted with my concern and they were waiting to hear their response. I have scanned them what XXXX is reporting and they said they will contact XXXX again with this information. 

I am exhausted dealing with this debt that has been taken care of. If XXXX is reporting this account then why is NES involved which is a collections company as well. I would like this removed from my credit report. 

Thank you in advanced!

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 2018-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
The original creditor for this debt is XXXX XXXX XXXX. I spoke with them in XX/XX/XXXX and they instructed me to turn instrument in to local music store and said they would remove debt. Debt was originally reporting over {$2000.00}. 

After turning instrument in on XXXX XX/XX/XXXX, I thought everything was cleared as they said it would be. In XXXX, I found out that Transworld ( TSI ) claimed I owe {$390.00} and added that to my credit report! I contacted them and explained I turned instrument in. They told me everything was fine and it would be removed from report. I called back because it was not removed but was told they could not talk to me about this issue anymore because XXXX XXXX XXXX ( XXXX ) was handling this account. 

I spoke with XXXX  and sent them proof of receipt for returned instrument. They in turn sent a bill to me for over {$2100.00} when TSI is reporting {$390.00}. I called and asked them to provide in writing the details that could sum my owing what they claim. I scanned to them proof that TSI is reporting {$390.00} on XXXX XX/XX/XXXX. 

My initial conversation started with XXXX on XXXX XX/XX/XXXX. They always transfer me to about 3 to 4 different people per call before getting some type of information about this debt. They end up telling me that TSI have been contacted with my concern and they were waiting to hear their response. I have scanned them what TSI is reporting and they said they will contact TSI again with this information. 

I am exhausted dealing with this debt that has been taken care of. If TSI is reporting this account then why is XXXX involved which is a collections company as well. I would like this removed from my credit report. 

Thank you in advanced!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I signed the contract when I made the money transfer. The contract did not stipulate any right of Western Union to refuse the transaction. Their guarantee stated the funds would be with the recipient within one business day. After the recipient ( whom I have used in the past for a tour in XXXX ) let me know they could not access the funds, I called Western Union to find out the reason. They refused the transaction but could not specify where they had the right to proceed with this action. When I asked the manager ( XXXX xXXXX in XXXX, XXXX ), he hung up on me!

Along with blatantly poor customer service, they guarantee funds will be transferred, make you sign a contract that stipulates their fees, but no where do they say they can refuse the transfer of funds. They should be liable for the delay of funds as their guarantee is useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I DISPUTED A BANKRUPTCY LISTING IN MY CREDIT FILE WITH EXPERIAN IN XXXX XXXX.I RECIEVED THE RESULTS OF THAT DISPUTE ON XX/XX/2018. EXPERIAN CLAIMED TO HAVE VERIFY THE LISTING WITH SOME UNNAMED COMPANY ( NOT THE COURT ). I CONTACTED THE COURT CLERK AND WAS TOLD THAT AND PROVIDED A LETTER STATING THAT THE COURTS DO NOT VERIFY INFORMATION FOR CREDIT BUREAUS NOR DO THEY ENLIST THE SERVICES OF ANY THIRD PARTY ENTITY TO VERIFY INFORMATION ON THIER BEHALF.ON EXPERIANS RESULTS OF THE DISPUTE RESULTS, THEY PROVIDED NO INFORMATION ON THIS UNNAMED COMPANY. EXPERIAN HAS VIOLATED NUMEROUS SECTIONS OF THE FAIR CREDIT REPORTING ACT.THE FCRA CLEARLY STATES THAT THE INFORMATION MUST BE VERIFIED BY THE ORIGINAL SOURCE.PLEASE SEE THE COPY OF THE LETTER FROM THE COURT AND THE COPY OF THE DISPUTE RESULT FROM EXPERIAN

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 2018-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I placed and received confirmation that I had successfully placed a security freeze on my credit report with Equifax on XX/XX/XXXX. In the body of that confirmation email, it says : " A Security Freeze has been placed on your Equifax Credit File on XX/XX/XXXX. In order to ( i ) permanently remove the security freeze or ( ii ) authorize Equifax to release your credit file for a specific period of time, you must provide us with a 10 digit personal identification number ( PIN ). '' and which included my designated PIN. 

Yet, when attempting to temporarily lift the security freeze with Equifax today, I was able to do so without providing that unique PIN : 1. Navigate to https : //www.equifax.com/XXXX 2. Click " Get Started '' 3. Enter First/Last Name, Current Address, Social Security Number and click " Continue '' 4. Enter an email address and password 5. Choose to verify your identity through your email address 6. Enter the 6-digit code sent to that email address 7. You should be redirected to https : //my.equifax.comXXXXXXXX XXXX XXXX 8. Click " Place or Manage A Freeze '' 9. Note that in  the box in the right, the following text appears : " How do I get my PIN? 
During the confirmation step, you will receive a one-time PDF available for you to view and print. Your PIN will be required to temporarily lift or permanently remove your security freeze via phone or mail. '' 10. Click " Temporarily lift a Security Freeze for a specified Date Range '' and accept the Terms of Use and click Next 11. Enter the dates you want the freeze to be applied The freeze is successfully lifted and the consumer is presented with a PDF confirmation with the following content : " Security Freeze Date Lift Confirmation At your request, we have temporarily lifted the security freeze on your Equifax credit report for the following period : XX/XX/XXXX XX/XX/XXXX We will automatically reinstate the security freeze at the end of this time frame. 
Please print and keep this page for your records '' At no point during this process did I provide strict verification of my identity, nor my unique PIN, in violation of the documented process and to the detriment of the security of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I was not informed my credit card would be closed. 
No phone call. No email. No received mail. 
Just a notification my account has been closed. 
I have had this credit card for years now. Ive never been made a late payment!

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 2018-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
Receivable Performance placed a " collection '' on my credit report in behalf of XXXX on XX/XX/2015 in the amount of {$110.00}. I disputed this with XXXX  ( unfortunately, I can't recall the date ) & XXXX sent me a letter stating basically that the debt was mine. This is LITERALLY IMPOSSIBLE! I HAVE NEVER HAD XXXX. XXXX DO NOT SERVICE MY AREA. I have the same name as my father with the exception of my middle name ( My dad does not have a middle name ). My father HAS HAD XXXX in the past. 
Please investigate this and have it removed from MY credit report. 

Thank you for your assistance!! 

Receivable Performance XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, WA XXXX XXXX

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