vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
In the past I have paid medical collection bills with other agencies and they immediately remove the collection from my account on their next reporting cycle. Today I spoke with Advanced Collection Bureau in XXXX, FL about a {$710.00} collection they have on my credit report. I asked them if I paid it would they in return completely remove the item from my credit as others have done in the past. ( Keep in mind that I know it is at their discretion to leave the item on my report and just report it as paid. ) The lady at first insinuated that if i paid the XXXX that she could completely remove the item. She then said, wait you have 3 other accounts. Two of the accounts totaling < {$40.00} combined are from XXXX, no problem. The final account is for 300+ from XXXX. That's a problem because not only could she not be clear on the original owner of the account ; she eventually said it was lab results or testing of some sort, I don't recall having any medical events 12yrs ago in XXXX of XXXX. Once she discovered and disclosed these additional 3 old accounts to me she said the only way I could have the {$710.00} collection that currently shows on my credit completely removed is if i pay the full amount of XXXX   dollars equivalent to all the accounts, old and new. As i mentioned before i'm aware they can completely remove or mark the collection as paid and leave it on my report. I was not aware that they had the power to extort me over a 12 yr debt that i had no idea about. It's my understanding that each of these accounts should stand on their own. A twelve yr old account that I know nothing about should not have any bearing on how they choose to report a 4 month old paid account on my credit. To extort me over a 12yr old account is unethical. The lady was not concerned in the least when I told her i was filing a complaint with your office. Nevertheless I paid the {$710.00} balance in full for the one item that can actually legally show on my credit report. I would like someone to reach out to me as well as Advanced Collection Bureau in XXXX and let us both know if this is a fair practice. I've never received a single piece of mail concerning any of the accounts I supposedly have at Advanced Collection Bureau

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: First Advantage LNS Inc.
State: TX

Complaint narrative:
I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2013 with a balance of {$2600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 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: T.S. Holdings
State: TX

Complaint narrative:
I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2019 with a balance of {$120.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: Total Card, Inc.
State: NC

Complaint narrative:
I have disputed an account on my credit report however the creditor and credit bureau continues to update the account as a charged off account ... .Account is a paid account and I have payment confirmations proving account was paid in full via ach payments each month to settle the account.

A total of 7 payments were made in the amount of {$63.00} as agreed upon with Total card inc The original creditor needs to correct the account or delete the negative remarks on my Account. 
Account in question is XXXX/XXXX account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is my second attempt to have incorrect items removed from my credit report. The accounts listed below are being reported inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter  to enforce my rights under the FCRA : XXXX XXXX XXXX Name ID # XXXX, XXXX XXXX XXXX Name ID # XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX   XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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 2020-09-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am trying to get a freeze letter payoff from Bank of America to purchase my new home. They are holding me up and I am in jeopardy of being sued called the bank manager and I get a run around, I can be sued if I breach on my new home with this payoff letter please help

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 2020-09-08 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
A credit card was fraudulently opened in my name and I am completely unsatisfied with Synchrony Bank 's 'investigation ' of my fraud claim. I had NEVER had any contact with Synchrony about  this account prior to my discovering the fraud on XX/XX/2020. I have not lived at the address associated with the account for 20 years. The email address associated with the account is not mine. I have never received any phone calls from Synchrony related to this account. I informed Synchrony that this account is fraud and they undertook an 'investigation '. Today I received notice from Synchrony that they are unable to approve my fraud claim because : 1. " You authorized, participated in, or benefited from the purchase '' 2. " Payments have been made by you on this account '' 3. " The account has been opened for more than 12 months with statements sent to you '' I am furious about this situation for a host of reasons. To begin with, Synchrony never contacted me as part of their investigation and none of their so-called findings are true. I called Synchrony again and they say they are unable to give me any details about the account, but I was able to find out that the address on the account is one that I have not lived at for 20 years, the email on the account is not mine, and Synchrony acquired the account  from another issuer in XXXX. I believe that Synchrony is intentionally doing a sham investigation of this fraud in order to scare me or bully me into paying it. I have NEVER had delinquent credit and as a result of this my credit score dropped from over XXXX to XXXX. This account is fraudulent. I have never used this credit card and I have never made payments on this credit card. I am begging for help to get Synchrony to do a competent investigation.

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 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, XXXX  and XXXX  along with creditors place negative information on my credit file inspite of the law and the coronavirus pandemic. The president stated that your credit could not be ruined for no or late payments. I have not worked since XX/XX/2020 cut to being a essential worker at the airport with medical underlying conditions. I was denied SBA loan due to XXXX credit report showing late payments and a declined credit score. That was the only factor that stop me from getting money to help my family and I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX  and Transunion along with creditors place negative information on my credit file inspite of the law and the coronavirus pandemic. The president stated that your credit could not be ruined for no or late payments. I have not worked since XX/XX/2020 cut to being a essential worker at the airport with medical underlying conditions. I was denied SBA loan due to experian credit report showing late payments and a declined credit score. That was the only factor that stop me from getting money to help my family and I was denied.

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 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian and XXXX  along with creditors place negative information on my credit file inspite of the law and the coronavirus pandemic. The president stated that your credit could not be ruined for no or late payments. I have not worked since XX/XX/2020 cut to being a essential worker at the airport with medical underlying conditions. I was denied SBA loan due to experian credit report showing late payments and a declined credit score. That was the only factor that stop me from getting money to help my family and I was denied.

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 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CA

Complaint narrative:
Key bank has you hold all day each time. I can not get my unemployment off card. I gone to bank, grocer, everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: HW Holding, Inc
State: TX

Complaint narrative:
I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2019 with a balance of {$120.00}.

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 2020-09-08 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2019 with a balance of {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2019 with a balance of {$16000.00}.

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 2020-09-08 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: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
I have had these accounts on my credit that I have been trying to get off and they have not been getting taken off for some reason. I got in touch whit XXXX and was told that there was no longer even a balance to the fraud account that is reporting on my credit from them and they have failed to provide me with any documents of any signed documents showing my signature with the date because the date it says the account was opened in XX/XX/XXXX I was not yet living in XX/XX/XXXXand there are no XXXX in XXXX XX/XX/XXXXwhere I moved from. Also the other fraud accounts just started reporting and I do not know how a hospital collection would even end up on a credit report because my aunt is a nurse and informs me they ask people multiple times for them to verify themselves and I dont know how someone could of got my information to use it to go to the hospital. I have the letter attached that I sent to the bureaus about this and the date for when I sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have had these accounts on my credit that I have been trying to get off and they have not been getting taken off for some reason. I got in touch whit XXXX and was told that there was no longer even a balance to the fraud account that is reporting on my credit from them and they have failed to provide me with any documents of any signed documents showing my signature with the date because the date it says the account was opened in XX/XX/XXXX I was not yet living in XXXX  and there are no XXXX in XXXX XXXX  where I moved from. Also the other fraud accounts just started reporting and I do not know how a hospital collection would even end up on a credit report because my aunt is a nurse and informs me they ask people multiple times for them to verify themselves and I dont know how someone could of got my information to use it to go to the hospital. I have the letter attached that I sent to the bureaus about this and the date for when I sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: CA

Complaint narrative:
I have had a open line of credit with Advance Financial 247 Online for  over a year. At the onset of the COVID situation I called to make payment arrangements or to see if they could offer any type of assistance, as I was not able to make my regular {$440.00} bi-weekly payment. The customer service representative was very kind and set up my payment arrangements for {$200.00} and this went on for about 6 weeks. I missed one arrangement due to being at ER, by one day and ever since then they have been taking unauthorized payments out of my account citing that it was due to the broken arrangement. It has now been over six weeks since that broken arrangement ; I have been in constant contact with the lender to confirm my " arrangements '' and each time they have taken payments in advance of the date that I promised to pay and additional payments within 2-4 days after citing that it was due to no arrangements being set. 

Example : I set an arrangement for payment of {$200.00} for XX/XX/XXXX. The lender initiated payment on XX/XX/XXXX for XXXX and another payment of {$370.00} on XX/XX/XXXX. 

They have done this 3 times ( approximately every 2weeks ). The very first time caught me off guard. When I called to dispute it, I was told that it happened because after they took my scheduled payment ( days  before it was scheduled ) that there was no arrangement in place, so they took the regular payment. I wasn't happy with the resolution, but let it go and set up a new payment arrangement. They did the exact same thing with the subsequent events, each time I called 3-4 day prior to confirm that there was record of my arrangement, clearly to no avail. 

As of XX/XX/XXXX, I have verbally revoked their ability access funds in all of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been paying {$19.00} a month for Experian IdentityWorks Premium Membership, and I have been a member since XX/XX/XXXX. The primary reason for my willingness to pay for this service was the benefit of having Quarterly 3-Bureau Report and FICO Scores ( All benefits listed below. ) However, Experian has not produced an updated Quarterly 3-Bureau Report and FICO Score since XX/XX/XXXX. 

I notified the Experian Membership customer service of my dissatisfaction near the end of XX/XX/XXXX. The representative I spoke to ran through all the possible troubleshooting that the representative could provide, and they said they were going to open an Escalation Ticket. They said someone would get in contact with me via email with a resolution, so I waited. Then at the beginning of XX/XX/XXXX, I called again and asked what the status was of my ticket, and they ran me through the same script and said someone would be in contact with me soon via email. The only difference was this time ; they agreed to refund the prior three months of membership fees that I had paid for the service they had  not yet provided. I was told I would see a refund of XXXX XXXX on my card in 7-10 days. The only thing I noticed was my fourth monthly membership fee charged to my account.

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 2020-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed an account on my credit report however the creditor and credit bureau continues to update the account as a charged off account ... .Account is a paid account and I have payment confirmations proving account was paid in full via ach payments each month to settle the account.

A total of 7 payments were made in the amount of {$63.00} as agreed upon with XXXX XXXX XXXX  The original creditor needs to correct the account or delete the negative remarks on my Account. 
Account in question is XXXX/XXXX account # XXXX Account # 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 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed an account on my credit report however the creditor and credit bureau continues to update the account as a charged off account ... .Account is a paid account and I have payment confirmations proving account was paid in full via ach payments each month to settle the account.

A total of 7 payments were made in the amount of {$63.00} as agreed upon with XXXX XXXX   XXXX The original creditor needs to correct the account or delete the negative remarks on my Account. 
Account in question is XXXX/XXXX account # XXXX Account # 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