vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX incorrectly claimed I didn't pay a bill for rental equipment that wasn't returned to them at an address that I never moved to, for equipment that I never requested or received, and then proceeded to ruin my credit. They are in violation of the fair credit reporting act and I'd like to be compensated for them putting me and my family through this during such a stressful time. 

On XX/XX/XXXX I called XXXX  to provide a new address for transfer of services to a new address to begin services on XXXX XXXX. I called back the next day to let them know I will no longer be moving to that address and to cancel that order. They confirmed several times that order was cancelled. I moved on XXXX XXXX to a different address and continued XXXX  service at that new address, so they continued to have all of my contact information and knew how to reach me. I've never paid any XXXX  bill late in the many years I've been a loyal customer, which they confirmed to me several times, which is why what happened next is even more frustrating. 

They NEVER ATTEMPTED TO CONTACT ME via tel/email/mail to let me know that they THINK I owe them anything before sending an incorrect supposed debt off to a collections agency on XXXX the XXXX called Amsher Collections Services, which also NEVER ATTEMPTED TO CONTACT ME before reporting the fraudulent debt WHICH I DO NOT OWE on XXXX, to the national credit reporting agencies thereby damaging my credit significantly. In fact, the only way I even knew this was a debt they were attempting to collect was AFTER my credit monitoring report let me know that my credit decreased by 100 points! I never was made aware of this attempted debt collection prior to this ding on my credit report and had to research how this happened after the fact. 

When I called XXXX/XXXX  customer service they confirmed that I do not owe them anything and that they likely lost their own equipment. They also confirmed that they saw in their files that I never received service or equipment at the address that I was sent to collections for. Nevertheless, after speaking with 2 different representatives, they refused to tell the collections agency to correct the fraudulent charge until they complete an 'internal investigation ' that clearly, has nothing to do with me. How is this legal?! 

I believe both XXXX/XXXX  XXXX  as well as their collections agency, Amsher Collections, to be in violation of the Fair Credit Reporting Act and I must insist on immediate correction of my credit report as well as compensation for the damages this has caused to me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
Hi, I finally ( I think - no confirmation yet ) had the company - Barclays credit card US close my account. I took over 45 minutes on the phone and persistence. The service rep said the " computers were not working '' and to call back later. It took several request from me to connect me to a supervisor who eventually canceled my credit card. I suspect this was a scam to make it hard to cancel a card and want to alert someone of this. I will send an update if I actually don't get it canceled.

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 2020-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I went to see a primary doctor affiliated with the XXXX XXXX. For that service, I received a bill for {$240.00}. My insurance company XXXX paid {$70.00}, and I paid the remainder of {$170.00} on XX/XX/XXXX. Thereafter, I received another statement for {$140.00}, listing an " adjustment '' of {$41.00} to the previously billed amount. Nonetheless, I emailed and called XXXX to inform them that this bill was paid in surplus of what I owed ( since my payment of {$170.00} is {$37.00} over the actual amount I owe ). This also begs the question of this hospital 's billing system since the first bill I received was in error on their part, and for an inaccurate amount! Rather than to rectify this issue, on XX/XX/XXXX, I was notified that XXXX sold this account to a collection agency called PMS ( Progressive Management Systems ). Upon learning of this, I immediately sent them proof of payment with an explanation of what had occurred thus far with XXXX. On XX/XX/XXXX, I received a letter from PMS stating that the payment was not credited to my account, but rather, this payment was " applied to ... outstanding balance for date of service XX/XX/XXXX ''. When asked for proof of their claim, there was NOTHING forthcoming because this was simply not true! 
Evidence substantiates the fact that the payment was made in surplus of what was owed. It is the hospital that has their information incorrect. The date of service for the payment I made is XX/XX/XXXX, not XX/XX/XXXX. 

Again, I submitted evidence which I previously provided to the collection agency and the hospital. Everything I submitted had the SAME INVOICE NUMBER plus the SAME DATE OF SERVICE!!! 

Despite my numerous attempts to clarify this matter, both XXXX and PMS continued to ignore me. Instead, on XX/XX/XXXX, I received notification that a derogatory remark was placed by XXXX on my credit report. As you can see from the attached documents, I have attempted numerous times to resolve this with with XXXX and the collection company. It obviously did not go anywhere as they failed to assist with this issue. 

I have also sent both XXXX and the collection agency a statement from XXXX that clearly states the date of service, XX/XX/XXXX, and the amount paid by my them, leaving me with my responsibility of {$170.00} which is exactly the amount I paid on XX/XX/XXXX. 

Currently, I'm having to spend my time trying to dispute their negligent placement of this account with the credit bureaus. Their negligent act has damaged my credit score and has opened the door for detrimental consequences to come.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on/around XX/XX/2020 and a second request was sent via certified mail on XXXX XXXX, 2020. 
In my letter sent and received by XXXX, TransUnion and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.

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 2020-12-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX XXXX and Equifax ) on/around XX/XX/2020 and a second request was sent via certified mail on XXXX XXXX, 2020. 
In my letter sent and received by XXXX, XXXX  and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I placed an order on XXXX on XX/XX/XXXX. I ordered a comforter set as well as several other items. I received all of the items in my order besides my comforter set. My tracking information shows a label was created on XX/XX/XXXX, however XXXX never picked the item up, its still in the same status it was in on the XXXX of XXXX which states a label was created. I chatted with a representative on XX/XX/XXXX and was told that I needed to wait for 48 hours while their investigative team looked into my order. I called in on the evening of XX/XX/XXXX and after over an hour of back and forth I was finally told they would issue a refund for the comforter set which was {$76.00}, I was also told I would be getting a XXXX XXXX  credit added to my account for the issues. On XX/XX/XXXX I checked my account and my refund still hadnt been initiated so I went online and chatted with a representative who informed me that my refund was never processed but there was notes that it intended to be, the previous representative just didnt finish the process. He told me my refund would be in my account within a couple days since it was my XXXX  card and I would get a XXXX XXXX credit within 24-48 hours. It is XX/XX/XXXX, I still have not received the comforter I ordered, I have not received my refund, nor have I received the XXXX XXXX I was promised. I called XXXX  customer service again today, XX/XX/XXXX and was told that they are opening a case and I need to wait 7 more days for my refund. 
The reference number for the phone call is XXXX. 
The reference number for the chat is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Credit Corporation
State: PA

Complaint narrative:
Avant card has violated the federal Equal Credit Opportunity Act by discriminating against me and not opening up in a credit card and providing an adverse notice stating why furthermore I have not been able to dispute the decision by the credit card company not being able to dispute the decision by the credit card company is financial discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2020-12-05 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:
There has been a breach in my personal information in the world wide web causing thataccounts be opened with out my consent, these fraudulent accounts needs to be removedfrom my file immediately, I have already contact the creditor and they ask me to fill out anFTC report which is attached.

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 2020-12-05 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: UT

Complaint narrative:
I am writing this due to non-compliance with the Experian Credit Reporting Agency, XXXX  Credit Reporting Agency, and XXXX  Credit Reporting Agency.

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-12-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been over 4 months from my first written request and more than 3 months since my second written request and I still have not received any responses.

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 2020-12-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, TransUnion and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been over 4 months from my first written request and more than 3 months since my second written request and I still have not received any responses.

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 2020-12-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, XXXX  and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been over 4 months from my first written request and more than 3 months since my second written request and I still have not received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monarch Recovery Holdings, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following accounts in dispute are listed below : This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX  # XXXX****, XXXX # XXXX****, XXXX XXXX # XXXX  I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: OH

Complaint narrative:
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following accounts in dispute are listed below : This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this 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