vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-America Accounts Control Bureau, Inc.
State: NY

Complaint narrative:
Complaints : 1 ) Violation of Fair Debt Collection Practices Act, 2 )  Disregarded agreed upon amount, and 3 ) Ignoring my request to pay the agreed upon price. 

I called in to settle an account and they started talking to me about someones elses debt and told me the amount they owe, with USING THE DEBTEES NAME! This is a MAJOR violation according to the Federal Trade Commissions Fair Debt Collection Practices Act, 15 USC 1692d, 805 ( b ) Communications with Third Parties. 

I asked to speak with the Supervisor and his remarks were So what! This doesnt effect you, I told him that it is a violation of the Debtee and it causes me to have concern on their integrity and how they do business. He said everyone makes mistakes, and I agreed, however this violated Federal Law. He was very argumentative and kept saying what a you going to do about it?, I said I will take it further since he doesnt understand the magnitude of it. 

I then asked to go back to my issue and pay our mutually agreed upon amount to close my case. He gave me an amount of the original amount. I told him that was not it and that is was a different amount. He kept repeating that amount ( 6 times total ). I finally had to tell him to look at the notes in my file!!! He finally found it and admitted he was wrong. I kept telling him that I wanted to pay it but he insisted on going down a rabbit trail. He started asking me Dont I have a problem with him not looking at the notes first?, I said yes and it causes even more concern about his company. I told I want to pay my bill. He started saying that he is surprised I didnt want to complain about that. I said that I want to pay what I owe if he would stop acting like an XXXX XXXX . He  said the call was over and hung up. I admit that I should not have used the word XXXX XXXX , but I was taken to my limit. I have sent an email to just get my agreed upon amount settled. 

I have not received anything other than a phone call from the Mid-America Collections Control Bureau , Inc. regarding this debt.

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 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-07-27 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: WA

Complaint narrative:
I have called to file the dispute on XX/XX/XXXX and tried to explain to them that I was a victim of inquiry issue. I was told that I was not a victim and that they can not due anything because they do not do anything about it. They told me to wait till they get off my credit. 
inquiry that I was referring to was : XX/XX/XXXX and XX/XX/XXXX - US SM BUS Admin ODA XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/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 2020-07-27 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: TX

Complaint narrative:
I have an account showing on my credit report for XXXX XXXX. See below Account Info Hover over labels for more details Account number XXXX   Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Usage : 100 % Balance on XX/XX/XXXX Credit Limit {$7100.00} {$7000.00}

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 2020-07-27 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XXXX, I went into a Bank of America Financial Center and  wanted to deposit a bag of coins into my account. I had heard there was a shortage of coins nationwide so I thought I would help. I was told they would not accept the coins unless it was for a business account. I have been a Preferred Customer of theirs for many, many years. I asked how they could refuse legal U.S. currency as a deposit. They said that if I went through the trouble of wrapping the coins in rolls myself that only then would they accept them. Can they put a restriction like that on accepting legal tender? 

In years past, I had deposited coins with no problem. They would give me a large plastic bag and I would have to fill out my name account number and then they would ship it downtown to be counted, just like they do for business accounts. This time they told me to take the coins to a commercial machine available in stores and pay the 15 % charge to count them. How can they refuse legal tender for deposit just because I can't take the time to roll the coins?

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 2020-07-27 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: NV

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2020-07-27 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 trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2020-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
On XX/XX/2020 I sent a certified letter to this Collection Agency in response to a letter that was sent to me attempting to collect {$820.00} debt. My letter specifically asked that Convergent show me how they calculated what they say I owed and I requested copies of any paperwork that shows I agreed to pay what they say I owed. Convergent 's response was a letter stating that the debt was verified and they sent me a copy of a XXXX bill that that looks as if it was generated by someone inside the office of the collection agency. I specifically asked for validation. So on XX/XX/2020 I sent another certified letter after I talked to XXXX and they had no record of the account number this collection agency has manufactured. Again, I requested documentation showing what agreement I had with Convergent to pay any money. I also believe the statue of limitations has expired. Convergent replied on XX/XX/2020 with another letter stating this debt is verified along with a duplicate copy of a bill that looks like they generated it in their office. Again, there was NO signed contract attached binding me to Convergent to pay them any money. This collection account has now hit my credit report and is damaging my credit. I am insisting that this collection agency be removed from my credit report immediately.

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 2020-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
This complaint involves two debit card companies, those being Cash App and XXXX, respectively. The reason there are two companies is because, on the surface, it might appear that the host company, [ Cash App ], says that they transferred my funds to XXXX  Debit at my instructions, is being truthful, yet XXXX claims to not have received the funds, only a notification that such funds was forthcoming from Cash App. 

As shown in the attached Cash App Transaction Record, I transferred all funds in the Cash App Account in the amount of {$14000.00} to XXXX and Cash App then closed the account. 

Since that time, my {$14000.00} is missing and because Cash App was the host institution, they have the responsibility to insure that the funds were in fact deposited with XXXX as instructed by myself. They insist that they have no further responsibility in this issue because the attached document does in fact say that Cash App in fact cashed my account out in the amount stated above and forwarded/transferred to " XXXX ''. However, initially XXXX told me that it would take three days for the funds to become available, identifying the amount without prodding from myself. 

Three days later, the funds did not show on my XXXX Account. Several conversations were held with XXXX representatives regarding this matter with XXXX maintaining that it does not have the funds [ {$14000.00} ]. It is a strange situation because the record does APPEAR that Cash App did in fact, at my direction, transfer the mentioned funds. This evidentiary fact does not change Cash App 's responsibility to see to it, or help facilitate a customer 's receipt of funds demanded in that customer 's account. 

Further, because " XXXX '' was able to identify the amount transferred to XXXX, gives this writer to believe something is amiss between these two companies, and I should not have to prove, with files which are held by the would be fraudsters, which Debit Card Company is guilty of either neglect, or purposeful theft of my {$14000.00}. 

I believe that either way, from a legal perspective or from a decency perspectives, both companies must assist in finding funds now taken from me and has simply vanished. 

Lastly, both companies are declining to assist in the locating of my funds while I suffer because I don't have access to my own funds, which as one might expect, mostly would be earmarked for bills of varying kind. 

This is a substantial amount of money to permit any company to simply vanish my or anyone else 's funds. I have filed a dispute with " XXXX '' which has yet to be answered, and have spoken with agents of XXXX. No physical complaint have been filed with Cash App since the transaction page of my account with Cash App show that the funds were " Cashed out '' after all funds were transferred to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: NV

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2020-07-27 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: NV

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Well, I sent a letter disputing the accuracy of the bankruptcy record from the third party company XXXX because they are reporting this information. Also, I sent a copy of a letter from The U.S. Bankruptcy Court stating they do not give out that 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 2020-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
i have been calling american express for atleast consective months, that i small part time business was closed due to pandemic guidelines as per the state and fed govt. 
and, i wont be able to make pymts for atleast 6 to 12 months.because i being head of household, and no other source of income. 
they did not care too much about my request.only after 2 months of postponing, they have been calling my home like crazy for money! 
they expect that, all will be well in just 2 months! 
my old mother at home gets disturbed my their annoying calls everyday. 
i cant keep explaining same situation every month, the way they expect us to. 
thats rude, insensitive, and mean on their part. 
i already told them, that i wont be in a position to pay them till next yr, because i have thousands of $ of lost income, and urgent bills. 
they dont care .please let everyone know, that this co american express is extremely insensitive about pandemic, and rude. 
and, they rushed to even cancel my card? 
and they want to setup some impractical payment plan with me, on their terms.i already told them, that i can not do any pymt plan at this time. 
and that pymt plan is not even a reasonable plan! its only {$50.00} less than what i was paying earlier!!! 
so, they are making fool of customers in the name of payment plan. 
please take action against them, AND THEIR UNJUSTIFIED COLLECTION ACTIVITY. 
thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Home Depot does advertise 6 months deferred interest if paid in full but on the actual printed bill it says No interest for 6 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 2020-07-27 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: TX

Complaint narrative:
I have a late payment on XXXX credit card. This payment was reported late in XX/XX/XXXX. XXXX extended me an extension because of the Corona Virus. 

Overview You're currently using 86 % of your account 's limit. 
Balance {$3800.00} Credit limit {$4500.00} Minimum monthly payment {$78.00} Opened XX/XX/XXXX ( 3 yrs, 9 mos )

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 2020-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I am a cosigner on a student loan for my nephew. He seems to have stopped making any payments on his loan. 
I have contacted him, but have been ignored. Now he has changed his phone number and I have no way to contact him. 
I received notice on XX/XX/XXXX that the loan was past due but it wasn't too late to bring my loan current. I was struggling to make ends meet at the time due to impact of COVID-19 on my employment. 
But I managed to make a payment on XX/XX/XXXX. 
I then called and did a restructuring forbearance of the loan with automatic withdrawals from my checking account. The subsequent monthly payments have been on time. 

But, then I get my credit report and see that the loan was reported as late to the credit bureau on XX/XX/XXXX. This was almost 2 weeks before the email I received on XX/XX/XXXX that stated the loan was past due but it wasn't too late to bring my loan current. 
Had I been notified that the loan was being reported, I would have called immediately to discuss any possible option with Navient. 
I have asked Navient to request removal of the report to the credit agencies, but they refuse. I am working with them and they are receiving the monthly payments, but they are not treating me fairly when I wasn't notified that the loan was being sent to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accountsXXXX  XXXX {$8500.00} XXXX XXXX {$23000.00} XXXX XXXXXXXX {$480.00}

Company response to consumer: Closed with explanation