vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-25 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: NC

Complaint narrative:
on XX/XX/XXXX I advised the rep thru online chat I needed to file a dispute. It was from XXXX XXXX. He said he filed the dispute and gave me Ref # XXXX. I went online today and was going to payment another payment on my account and seen the balance was still the same. I spoke to XXXX thru online chat and he said a dispute was never done. gave him the ref # that I was given and he said it would not start like that. He pulled the charge up and said I would need to call the security team. The late payment saying I was 30 days late also needs to be removed from the credit bureaus since XXXX never mailed me my statements. I have sent them a copy of the online chat from the XXXX saying it would be removed. I was told from that person and was also told from XXXX which is a supervisor saying it would be removed that it was a banking error. I'm sorry that I even took there credit card. Once this is done I will NEVER do business with XXXX AGAIN. When you call this company and speak to different people you get different answers to your questions.

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 2018-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX  calls 2 to 4 times per day on my cell phone. Their phone number is : XXXX, based out of XXXX XXXX, California. There is a XXXX, Michigan office that may be involved also.

I have a phone app that blocks most of their calls, but some get through. Within the phone app, there are hundreds of complaints against this company.

I am going to file a complaint with the Michigan State Attorney General 's Office and in California also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
OnXX/XX/2018 I used Wells Fargo backed XXXX  to make a money transfer to my brother in the amount of {$500.00}. XXXX accessed my contact list to locate my brothers number to start the transfer. The number comes directly from my phone so it wasnt an error with miss-typing the number or anything like that. My brother told me he never received the money. He contacted XXXX, they said they can not do anything and told him to contact his bank ( XXXX XXXX XXXX ). He called XXXX and they said there are no records of money deposited. I contacted XXXX who told me to contact my bank. I called Wells Fargo and they said that they cant do anything. I reached out to them numerous times via online and all they did was post a link to XXXX website. I asked them which institution received that deposit if my brother never received it, they canot provide an answer. I contacted XXXX  again via messaging and I got an automatic reply stating that they will answer in 2 business days ... still I havent heard anything. No one can trace the funds even though my brothers number was correctly entered. The two institutions redirect me to one another. Im not sure what else to do but hope that this has been reported so that people are aware that this is going on.

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 2018-08-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good afternoon. I have disputed several Medical collections on my credit report and each and every time the information comes back as verified. For starters, I should not have any unresolved medical bills. Furthermore, how are the Credit Bureaus verifying the information? HIPAA laws restrict certain parts of my medical files. My personal medical information can not be released to the Collection Agency without my consent and I dont recall signing an agreement with the Collection Agency. Its it the Credit Bureaus responsibility to verify information before inserting it in my Credit Report. I want this unverified, incorrect information removed immediately for all ( 3 ) Bureaus. The accounts have been highlighted.

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 2018-08-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good afternoon. I have disputed several Medical collections on my credit report and each and every time the information comes back as verified. For starters, I should not have any unresolved medical bills. Furthermore, how are the Credit Bureaus verifying the information? HIPAA laws restrict certain parts of my medical files. My personal medical information can not be released to the Collection Agency without my consent and I dont recall signing an agreement with the Collection Agency. Its it the Credit Bureaus responsibility to verify information before inserting it in my Credit Report. I want this unverified, incorrect information removed immediately for all ( 3 ) Bureaus. The accounts have been highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX Experian : 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 non-monetary relief
Consumer complaint received 2018-08-25 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: Netspend Corporation
State: GA

Complaint narrative:
I loaded {$220.00} on XX/XX/18 on my Netspend prepaid card..I paid a XXXX XXXX XXXX  bill & I immediately had them reverse the payment.Today is XX/XX/XXXX & my payment is still pending.I 've called all week long & all the reps giving me the run around.I 've sent my cancelled confirmation & the supervisor of Netspend 2 of them even spoke with an XXXX XXXX XXXX  rep who confirmed the payment was reversed & still my money is pending..PLEASE HELP 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 2018-08-25 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: AVANTE
State: TX

Complaint narrative:
Avante USA located in XXXX Texas has been calling me about a debt owed for a hospital bill which has been paid. They contact me a few weeks ago for this debt. I went to the hospital in XX/XX/2012 and only now are they calling to say I owe. I have provided documents to the company of proof that my bill has been paid through financial aid. Im not sure what change they stopped calling me but today I noticed they reported it on my credit and now I have a bad marker. The first. I dont think this is fair. This company is a scam and their practices are unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : 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 2018-08-25 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ) XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I was alerted by my credit montioring service that XXXX XXXX the issuer of my XXXX XXXX Credit Card had closed the account I had with them. Prior to that I was in a payment arrangement with the company. There was not any past due prior to this since the arrangement had been agreed on. After now and without notice or warning they closed the account and reported to the credit agency I thought something would change with the account or arrangement. On XX/XX/XXXX the account became past due by 30 days. After harassment from the company and no explantion of why it was closed when I was making the agreed payments, I requested a DO NOT CONTACT via a phone conversation. As of today XX/XX/2018 the bank is still charging interest on a closed account. I have not had any notice of the agreement being cancelled and the bank has broken my request for DO NOT CONTACT by calling an old number listed for me and giving out information on the account. they also threaten that if I did not call them back that day being Thursday XX/XX/2018. That they would pursue actions. The action taken my XXXX XXXX  are unlawful and decietful. I was never informed of an issue with the account or given reason why it would be closed. the arrangement I had with them had not been broken to my knowledge and they never stated I would continue to receive interest charges. they never stated they would report the account as closed at any point. Their direct actions caused my credit score to drop 20 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
XX/XX/XXXX - a new tradeline appeared on all 3 credit bureau reports, and listed as collection account.

I have not previously heard from this company, nor did I receive any written correspondence.

I immediately sent a letter to them to validate the debt but have not received back any validation.

I also disputed with the credit bureaus and the dispute came back verified.

They placed a name that I have never used on my credit report and I had to dispute that too, as it's not my legal name.

Tradeline lists as JH Porfolio Debt Equiti and lists a contact info at XXXX XXXX XXXX XXXX, which is false information.

This is in direct violation of Fair Debt Collections Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I subscribe to Equifax product for my personal use to keep accurate track of my credit score and report. For the past 3 months I have paid for my credit score XXXX x2 XXXX x2   XXXX x2 .Dor the month of XX/XX/XXXX thru XXXX my credit score hadn't changed or updated it has been XXXX since the XX/XX/XXXX and they took my money XXXX and XXXX advising I will receive a updated report. You will find attached same score XXXX  just the date change. It has not been updated. They only update once a month. But they lie and tell you it update daily. As you see the only thing changes is the date. XXXX XXXX  pulled my credit onXX/XX/18 and they show my credit score as XXXX they pulled it from Equifax. How is this possible? I can explain they are selling a outdated product with inaccurate credit scores. Why my score is not reflecting to the information shown on this denial letter from XXXX XXXX. Equifax is a scam .I want a immediate refund for all product purchases I have ever purchased. If not I will start a class action lawsuit because surely I am not the only one they have scammed. Explain how on XX/XX/XXXX I paid that day for product and my credit score is XXXX  and on the same day XXXX XXXX pull my credit and it was XXXX. My credit score has been XXXX on Equifax product since XX/XX/2018. And has not updated. But they charging me for old information and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
I have never received any information from a company called MCA Management Company. They are on my credit report and have been pinging my credit reports monthly dropping my credit score 10-20 points every month but have never contacted me about owing money to anyone. I am a current patient of XXXX XXXX. XXXX XXXX and have always made payments to them when I owed them money. I have no idea why I would be in collections when I made payments and to my knowledge I was paid in full as I always payed my bills when I receive them from XXXX. 

I have no idea who MCA Management is and their never having contacted me in anycshape or form and I have just recently noticed they have been on my credit report since XX/XX/2018 and every month they are reapplying what ever it is they do to my credit report but have yet to contact me in written letter or by phone but have no problems harassing and ruining my credit monthly with their deceptive practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been disputing the charge of {$1000.00} ( order XXXX  XXXX, XXXX tracking XXXX ) since XX/XX/2018, i.e. 4 months. 

I received this package damaged, fixed with tape and no contents inside. 

I did not receive any response to my claim that I sent to both XXXX XXXX and the issuer of the credit card that I used to pay for the purchase, XXXX XXXX ( XXXX XXXX credit card. ) As initially I though that the missing contents was related to the carrier ( XXXX ) I filed a lawsuit against XXXX. As of XX/XX/2018 I obtained a judgment that ruled me go against the Seller of said product. 

Neither the seller, XXXX store, nor the XXXX XXXX XXXX  credit card issuer, XXXX XXXX, resolved the issue as of now.

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 2018-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was approved for loans through navy federal credit union. With active loans in good standings I tried to add funds or make a new loan. To consolidate my debt into one with a lesser monthly payment. Of coarse the problems come and I was denied the loan. Stating that I can not apply for another loan for six months. Being a member here for over 20 years there should be some kind of co operation between myself at the credit union. I would like to get a new loan to pay off all debt and only have one loan payment to make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
XXXX XXXX is the person who had a lease an apartment in XXXX, Ca in XX/XX/2013 for his business. Im not the person who in charge with the payment but I was only the employee that I came over off and on Then I sign the contract because they told me you are over XXXX yrs. Also I didnt know until Couple months ago when I received the news from XXXX and XXXX Please remove my name from the credit history ASAP.

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 2018-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime
State: FL

Complaint narrative:
The vehicle that was purchased has an extended warranty with XXXX XXXX as well as a factory warranty with XXXX dealership. There has been problems since my purchase of the vehicle. The transmission has problems along with the engine. The vehicle slips into neutral often. Ive gone to multiple mechanics to get the problems fixed. The codes that were found from the diagnostic with XXXX XXXX says there is a electrical wiring problem along with a transmission problem. As well as the same model, make, and year there was a re call for the same exact problems. The extended warranty company ( XXXX ) along with drive time and XXXX are all pointing fingers at each other. Ive lost lots of money from missing work as well as out the pocket fees for this vehicle. Something has to happen.

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 2018-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlantic Credit & Finance, Inc.
State: CA

Complaint narrative:
I'm filing a formal complaint the creditor Atlantic Credit & Finance Incorporated for continuously sending me a wrong receipts even after there has already been a settlement agreement and a payment schedule arranged. 
My ACF Account # XXXX. On XX/XX/XXXX my XXXX XXXX ( XXXX ) Account was settled for the amount of {$3700.00} instead of {$7400.00}. The first payment was made on XX/XX/XXXX for the amount of {$5.00}, after this payment the total amount due went down to {$3700.00}. On XX/XX/XXXX a payment of {$180.00} was initiated that went the total amount due down to {$3500.00}. 
On a recorded line on XX/XX/XXXX, a settlement conversation agreement with XXXX XXXX, the total amount of {$3500.00} was agreed & settled to be paid every XXXX of the month by automatic debit on my account for {$170.00} starting XX/XX/XXXX until XX/XX/XXXX totaling to 20 payments. This settlement agreement was clearly confirm when XXXX XXXX send formal letter with payment schedule. The letter was dated XX/XX/XXXX. 
However, on XX/XX/XXXX a receipt was created and mailed to me stating that Atlantic Credit & Finance received my payment of {$170.00} and that my new balance is {$7100.00}. I immediately bring this error to the attention of Atlantic credit & finance Account representative. I called and discuss the issue to them and on a recorded line, the representative apologizes for the error and told me that my new balance after XX/XX/XXXX {$170.00} payment is {$3300.00}. But the same error occurred again on XX/XX/XXXX when my payment of {$170.00} for this month cleared, Atlantic Credit & Finance has sent me a wrong receipt again, it states that after they received my XX/XX/XXXX payment my new balance is {$6900.00}. It is clear that Atlantic Credit & finance did not correct or worst did not acknowledge the settlement agreement which is very frustrating & unprofessional. I strongly insist that Atlantic Credit & Finance have to honor the settlement & correct the monthly receipts they are sending me. I have determined that the new balance after my XX/XX/XXXX payment is {$3200.00}. I already called Atlantic Credit & Finance so that they can correct the error but it seems that their finance department did not anything about this. Atlantic & credit & Finance have to correct the correct balance as soon as possible.

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