vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: TX

Complaint narrative:
I did not know i owed {$120.00}. I did not receive any information from no one about this debt. I figure it out because my credit score dropped. then i called XXXX  and they explained that one of my accounts was in collection for {$120.00} and it was a medical bill related to my son that has same name as me. No body call my phone number, no written information received. I always pay my bills, and i am never late, you can see my other account are clean and paid on time. It is not fear having this amount on my credit report just because lack of information and it is not my account. Please remove this from my credit until my son can resolve this account. Attached credit report. 
Complaint for account shows as : CHOICE RECOVERY INC # XXXX**** XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX Placed forcollection:XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$120.00} Date Updated : XX/XX/XXXX Original Amount : {$100.00} Original Creditor : XXXX XXXX XXXX  Past Due : > $ XXXX<

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: AR

Complaint narrative:
I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit to myself and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX/XXXX XXXX {$620.00} XXXX XXXX/GF XXXX {$0.00} XXXX XXXX XXXX XXXX {$140.00} XXXX/XXXX   XXXX {$120.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX {$930.00}

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 2020-02-20 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: AR

Complaint narrative:
I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit to myself and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXXXXXX XXXX {$620.00} XXXX XXXX/GF XXXX {$0.00} XXXX XXXX XXXX XXXX {$140.00} XXXX   XXXX {$120.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX {$930.00}

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 2020-02-20 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-02-20 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Dear CFPB representative I have been a American Express card holder for over 20 years and it appears that somewhere in the process they move my purchases over to a cash advance apr, I have never had a cash advance with American Express, please help me to resolve this issue, I am sure I am not the only customer this has been done too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: AR

Complaint narrative:
My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX  XXXX {$210.00} XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
On XX/XX/2020 i recieved an email from XXXX on behalf on LVNV funding threatening me that if i did not contact them regarding the debt, that LVNV will use an attorney to take me to court for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
I previously filed a complaint against AMERICOLLECT, requesting they validate and show proof of alleged debt that they are reporting on my credit file and they were unable to validate. 

At this time I will inform you that if your offices continue to report invalidated information to any of the XXXXhree major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
Ref : Barclay Visa Credit Card Account # XXXX XXXX XXXX : Dispute Case XXXX I disputed a charge for a hoodie that was not received. Do I have credit card protection for online purchases that are not received? Why am I being charged for an item that I did not receive? 

I emailed photos of a damaged bag on XX/XX/XXXX to XXXX. I disputed the hoodie to Barclay fax : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I called XXXX on XX/XX/XXXX. I need an explanation letter for this dispute after I called and faxed on XX/XX/XXXX. Barclay charged it back on XXXX Bill. Why? 

XXXX did not honor our contract. Barclay is not honoring my trust in the credit card. A credit card charge is a contract between consumer and merchant. I trusted XXXX  to guarantee that I receive the hoodie that I paid for. I did not receive the hoodie, so they need to refund my credit card {$58.00}. As soon as I dont receive the hoodie, the purchase contract is void. I dont owe them for a hoodie that is not received. You need to make XXXX refund my card. The credit card charge and contract are not valid, because the terms of the contract were not honored by XXXX. 

XXXX XX/XX/XXXX {$58.00} CREDIT - DTLR/VILLA XX/XX/XXXX - {$58.00} XXXX XX/XX/XXXX {$58.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Barclay should know what a purchase contract is and resolve conflicts between consumers and merchants based on consumer law and consumer protection. 
No dispute button on your website conveys that Barclay does not want to take responsibility for credit card protection and consumer law. 
You need to refund my card {$58.00}. I will be filing consumer complaints with the government against all parties involved. 

Sincerely, 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
Consumer complaint received 2020-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
One of my employees stole {$18000.00} from my credit card terminal in unmatched refunds in the pst 6 months. 
PNC merchant services are not helping me resolve this issue. Stating that i need to re-coup my money from the employee and that this is not their problem. I don't know how this was not red flagged in my account for the fact i do not do any refunds in my business as credit card refunds-only by checks. 
The employee is now on the run and can not be located. 
I am being ignored and dismissed by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I have no knowledge of this debt, and have not been sent any information on it, I just received a {$1300.00} collection on my credit with no bill statement or further information.

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 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I found out via my credit reports that there was a collection account being reported to my otherwise perfect credit. I had never heard of this collection agency and never heard of the medical practice that was referenced in the credit report. I was a victim of identity theft and reported this to the credit bureaus plus the dispute of this foreign medical debt. Ive never received any notice of any bill or collection from this company - ever. I called the collection company to dispute this with them, but paid the extortion monies to repair my credit ( even though I still have no idea what this debt is or who these people are ).

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 2020-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I previously filed a complaint requesting they validate and show proof of alleged debt that they are reporting on my credit file and they were unable to validate. At this time I will inform you that if your offices continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
This collection company has reported to XXXX XXXX of a collection accounr. It says original creditor is XXXX XXXX. 
I had att in 2016 and returned my equipment as instructed at ups store and received receipt. This collector has never sent me anything and the only way i found out about this is by XXXX XXXX alert. 

Collection co on my XXXX report Enhanced recovery co XXXX, fl XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: CO

Complaint narrative:
CROOKED NOT HONORABLE COMPANY!!! 
LIES, LIES AND LIES. I've contacted this company in XX/XX/XXXX, and told them that if they are going to do hard credit pull before showing me possible terms, I am not interested. 
The case was closed. about 3 month later Hard credit inquiry appeared on my credit, without my consent or knowledge.

Today XX/XX/XXXX After contacting them and speaking to Manager XXXX, I was told pretty much that they reserve the rights to pull my credit anytime, and without my consent, which is ridiculous and not acceptable. 
I want unauthorized inquiry removed from my credit report, and all my personal records destroyed and removed from their database. 
My credit score dropped due to such unauthorized inquiry. 
Dishonorable company!!!

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 2020-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
I previously asked for help from the CFPB. CFPB reached out to Shellpoint mortgage and closes the case. however, based the Shellpoint response, majority of the response was not correct and is inaccurate. I am having a new issue with this company trying to charge me for a force place insurance when i had acceptable insurance where they denied to make payment through my escrow account. I'm attaching my communication with shell point mortgage. Shellpoint is now trying to charge me {$35.00} per day for 7 days of force place insurance. I don't owe them any money and the documentation provided would prove that. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to the invasion of individual privacy and rights. 

FirstPoint Collection Resources Located at XXXX XXXX XXXX   XXXX, North Carolina XXXX, USA Is in violation of 15 U.S.C. 1692-1692p Againts ( me ) XXXX XXXX XXXX. 

I XXXX XXXX XXXX was never afforded the opportunity to dispute this alleged debt, in violation of 15 U.S.C. 1692g ( b ) which is provided to me by law. See. 15 U.S.C. 1692g No Notice of Debt was ever received by ( me ) XXXX XXXX XXXX in violation of 15 U.S.C. 1692g ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: VA

Complaint narrative:
In XXXX XXXX, something changed on my credit report at Equifax. 
XX/XX/XXXX - I first learned of these error ( s ) while obtaining a mortgage.

I lost the house as no info. was reported due to the error ( s ) I immediately contacted all three credit reporting agencies and learned XXXX and XXXX had my information in good order but Equifax did not. Equifax refused to tell me anything about my credit as " I failed their verbal test '' to identify myself accurately. Of course, I furnished my accurate info. but something did not match their records. I asked how to fix the error ( s ) and was told the only way was for me to fax personal info. to them. They said they would accept no secure method or any through which I could prove delivery/ ( a lie ) After 27 hours of phone calls with Equifax , they confirmed my critical documents were lost. I sent them again to start over. Equifax 's info. and procedures seem inadequate, antiquated and ineffective. I have made no progress and have no credit or house. I am a non-person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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: AR

Complaint narrative:
My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX {$210.00} 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
Consumer complaint received 2020-02-20 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: AR

Complaint narrative:
My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX {$210.00} 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
Consumer complaint received 2020-02-20 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: AR

Complaint narrative:
I pulled my credit myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX AR XXXX {$320.00} XXXX XXXX XXXX {$41.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
The Loan was taken out in XXXX unsure about the month. It was around XXXX or XXXX. When it to getting relief about the loan I was told that the loan did not qualify for any relief programs because it was a consolidated loan. I was unclear about how you can consolidate a single loan. When asked about the consolidation proof and terms of how the consolidation was put into place nothing was ever sent. When it came to repayment I established a payment arrangement but the balance was not going down and it seemed to be going up at an accelerated pace. There has been ongoing calls about this matter since XXXX.

Company response to consumer: Closed with explanation