vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
3 accounts with XXXX  ( 1 with balance {$82000.00}, 1 with balance {$34000.00}, 1 with balance {$86000.00} ) were included in bankruptcy & discharged. I opened disputes for the 3 accounts in  XX/XX/2020 because they were showing charge off status and balances on my credit report when they shouldn't be. On XXXX the {$86000.00} account & the {$34000.00} account disputes were finally resolved in my favor after months of going back and forth with correspondence and the accounts were updated to included in bankruptcy status with no balances. On XXXX the {$82000.00} account dispute was resolved in my favor and the account was updated to included in bankruptcy status with no balance. By XXXX the {$86000.00} account that had already been fixed was showing a balance and collection status again, so I opened another dispute for that account. The second {$86000.00} account dispute was resolved in my favor on XXXX and the account was again updated to included in bankruptcy with no balance. On XXXX when I checked my credit report, all 3 of these accounts were accurately reporting that they were included in bankruptcy, but today they are again all 3 showing balances and collection status. For the last 3 months, Experian has updated these 3 accounts to correct them multiple times only to have the creditor update them right back. This is a predatory lender who has a class action lawsuit against them for illegal collection practices and violating bankruptcy law. I would like to  know how you can prevent this from recurring every month because it seems to me that allowing this to continue month after month is irresponsible and you have a responsibility to have processes in place to ensure accurate reporting. I have notified you multiple times, you have investigated multiple times and updated my file multiple times, and continued to allow this to recur multiple times. I have attached all of the previous dispute resolutions.

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 2020-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I

previously reported this company for putting unverified collection accounts on my credit file. This company attached two letters that I never received because I never lived at with either address on those letters. This company failed to send me any letters to my correct address and has listed and reported this unverified Information on my credit which has caused serve damage to my credit file. This is against the FCA they are required to send letters to the consumer and verify that all the information is correct. Which they have failed to do so I will attach these letters that they provided in a previous response and this is clearly not any address associated with me. Which clearly means that someone has used my information to obtain credit. This information needs to be deleted until they can verify the correct owner of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
I already filed a complaint with CFPB and they never sent me any documentation of the debt within the allotted time as they previously stated they would. I did dispute the debt with the company as instructed. They verified to have received my dispute and still did nothing to remove the debt from credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Due to Covid 19, my job laid me off and at the time I was laid off I didnt have any income coming in, so I couldnt pay my bills, so at that time they didnt supposed to report that on your credit, I reach out to them and I sent them a letter stating that I had a hardship and they still reported it on my credit, so I really need this move off of my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-10 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: MS

Complaint narrative:
I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT PROFILE THAT I NEVER OPEN OR SIGN FOR.

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 2020-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was robbed of my personal belongings and personal info back on XX/XX/2020 which included information to my PayPal mobile app which allowed the robbers to change all information to my mobile app and gmail XXXX preventing me to recover it. 
The robbers also unauthorized transaction that was disputed and credited back to this account. 
I have have spoken to the message center at PayPal on many occasions due to the fact that PayPal want allow consumers to speak to a live rep on the phone and tried to get the remaining funds transferred to my new account I signed up for with the my new email account XXXX but PayPal refuses to give me back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT PROFILE THAT I NEVER OPEN OR SIGN FOR.

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 2020-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Merrill+ by Merrill Lynch ( Bank of America Corp ) credit card account was closed without my knowledge and without any prior warning, on XX/XX/20, by Bank of America ( BoA ). 

I called BoA on XX/XX/20 and inquired about the points balance of approximately XXXX points that I had on said card. The rep I spoke to said despite the card being closed, I still had that useable points balance that I could cash out at that time if I so desired. I declined and explained that Merrill+ points in the amount of XXXX could be used for a flight ticket worth {$500.00}, and that if I exchange my points for cash, they'd only be worth {$260.00}. She assured me the points would remain unchanged until I used them. 

I also complained that the card had been closed without any advanced notice ( which would have prompted me to use the points for fear of losing them ). The rep said BoA usually sends out a letter notifying of pending closure. I did not and have not received any letter and the rep was unable to provide any confirmation as to whether BoA followed their " usual '' policy of a letter. 


On XX/XX/20 I was ready to use my points for a flight and spoke with a Rep " XXXX '' who said any points I had would have been lost upon account closure. She escalated the issue through their process. On XX/XX/20 I received a letter from BoA stating that their final position was that I would not have access to my points.

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 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi, I have been having the problem with identity theft for quite some time now and took every step to report it freeze account replace everything. Just over the summer of the year XXXX I changed to my married name i report to the credit Bureau, all 3, sent in copies of driver 's license, marriage license, and other documentation they ask for. Now im aware of the data breach that took place in XXXX and was part of it and still waiting for the outcome of it because I still haven't heard anything about it. For 3 years now, almost 4 I have been having problems with my credit like never before. I couldn't get a bank account open a small pay day loan, nothing..Thats when it was brought to my attention that my identity was stolen from me and I thought that the credit Bureau was taking care of it. Not at all. I submitted my name change and it still isn't change with you guys. MY NAME I HAVE BEEN USING IS NOW XXXX XXXX. IM ASKING FOR YOU TO PLEASE REMOVE MY MAIDEN NAME AND REPLACE WITH MY MARRIED NAME PLEASE.

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 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: OH

Complaint narrative:
Received multiple calls from L.J. ROSS & ASSOCIATES, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX, XXXX who is handling a debt for XXXX XXXX XXXX XXXX XXXX ) that is around {$110.00} and I have told the rep that the debt has been paid through XXXX. Regardless, the rep tried to collect payment as she refused to do her due diligence and tried to manipulate me into paying as she said I need to pay. Also, during the call, the rep provided me the last four digits of my social BEFORE confirming my identity and provided my previous addresses and full name. I was not comfortable with that and I would appreciate this matter be followed up on. I called back and discussed my concerns with someone who said they were a manager but, this is not the first time Ive had an issue like this with this collection company. Behaviors like this create XXXX! Especially during these unprecedented times where fraud and scams are forever exercised for monetary gains. I confirmed with XXXX that my account is current and am eligible for new service since I do not have a previous balance. XXXX told me that I do not need to provide proof to the collection agency and I am OK. I am being told conflicting information from XXXX and LJROSS. This collection agency made it appear that I NEEDED to pay THEM or the debt will not be effectively removed from collections. This company has been a pest and creating problems for me. I do not want this on my credit since, it is not valid. Ive disputed via XXXX and it was removed but, they still continue to call, relentlessly. Even AFTER it has been removed. It is still on the other two credit bureaus. I want them to remove it. Please note that the amount that I paid was higher than what was due but this amount will be credited towards my future account. I have proof but will not attach it due to not wanting the company to keep for their records. The specific incident mentioned in the above comments was on XX/XX/20. On this date, there were 3 separate calls placed, an incoming and two outgoing. I returned a missed call from the company, and called back and spoke to a manager.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX I noticed I had multiple collections on my credit report for the same student loans. After looking closer I realized that some of them even had the same amounts and account numbers but were added over and over again as if they were separate collections. This was making it seem as if I had multiple accounts go into collections when that wasn't the case. I filed a dispute online in an effort to get the matter resolved on XX/XX/XXXX. I received results on XX/XX/XXXX stating that all information was being reported accurately and this is simply not true. This is KILLING my score and is inaccurate! I also have late payments listed under my student loans ( even the currently open one ) which is inaccurate because all of my student loans have been in forbearance since XXXX until present. Some were just transferred, but we're NEVER late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
1. AMERICAN EXPRESS LOAN - FINAL PAYMENT {$2000.00} ON XX/XX/2019 AMERICAN EXPRESS CARD SERVICES - FINAL PAYMENT {$6800.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
In XXXX I co-signed a bail bond contract with XXXX XXXX XXXX. There was a mis communication with the person I bailed out, they were to finish paying off the loan and they did not. XXXX XXXX I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He told me that XXXX XXXX XXXX XXXX will be serving me with papers by the end of the day and I was being sued for the amount of XXXX but I could pay XXXX to be released of all claims and liabilities. So I paid over the phone and they sent over a letter via DocuSign stating I paid in full and I would be released of all liabilities. I also want to mention the bond number associated to the contract I signed with XXXX XXXX XXXX XXXX in XXXX is XXXX. On XX/XX/XXXX I receive a txt msg stating to contact law firm XXXX XXXX XXXX and if I fail to contact them I will be served at my place of employment without my consent. I did contact them they told me I was being sued by XXXX XXXX XXXX XXXX for a sum of XXXX $ or I could settle for XXXX but that is only if I set up payments by the end of the day. Also they told me they saw my payment of {$450.00} and they will put that towards my balance. Immediately I reached out to the finance department for XXXX XXXX XXXX XXXX, where I spoke with XXXX. XXXX told me I wasnt being sued by XXXX XXXX XXXX XXXX and my account went to collections agency Mc Neil & Myer. She also told me to ask the law firm what bond number was on my account on there end. So I called back XXXX XXXX asked for the bond number they told me it was XXXX, which was different from the contract I signed originally with XXXX XXXX XXXX XXXX. Also they told me the payment I made of {$450.00} I am not the co-signer of that bond. I then asked to speak with the supervisor at XXXX XXXX his name was XXXX. I politely asked XXXX if possible could he send proof that I was the co-signer for the contract they had on file? This is when the supervisor proceeded to yell and tell me he is not sending me anything and he doesnt have to answer any of my questions for I am the one who needs help from him and I should be answering all of his questions. XXXX was being very rude and disrespectful and he repeatedly kept calling me a young lady so I decided to end the call. On XX/XX/XXXX I decided to call the original collections agency Mc Neil and Myer whom XXXX XXXX XXXX XXXX  passed my account to. I finally got in touch with someone from Mc Neil who  stated they sold my account to XXXX XXXX and the balance I had was XXXX $ and the bond number was XXXX and not XXXX. After XX/XX/XXXX I was feeling very unsure on how to proceed with this situation, so I decided not to call back the law firm and they have been calling and harassing with txt msgs ever since.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
A debt collector keeps calling me about a family members debt. I do not own this debt yet they call me everyday while I am working from home. I told them to stop but it keeps coming.

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 2020-10-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-10-11 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX. XXXX XXXX XXXX - FINAL PAYMENT {$2000.00} ON XX/XX/2019 XXXX XXXX XXXX XXXX - FINAL PAYMENT {$6800.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX. XXXX XXXX XXXX - FINAL PAYMENT {$2000.00} ON XX/XX/2019 XXXX XXXX XXXX XXXX - FINAL PAYMENT {$6800.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file 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 2020-10-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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