vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I have a collection that has shown up on my XXXX  credit report from MERCH & PROF CB where they are stating I own money to XXXX  XXXX XXXX of {$140.00}. This is not due as my insurance provided them with payment and I have the EOB ( explanation of benefits to prove it XXXX. I have told the collector this and they tell me it doesn't matter as the provider would have that if that was true - they continue to call even though I have sent them the insurance company information and the EOB - their tactics are harassing and hostile and I want them to stop. This should be removed from my credit report at once as it is a fraudulent credit report against me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: Great American Finance Co
State: IN

Complaint narrative:
As of XX/XX/2020 my account through Great American Finance was paid in full. However, Great American Finance continues to send bills to my home with a balance of {$100.00}. I called and spoke with a representative and he confirmed that my account was paid in full and to disregard the first bill ( after the pay off ) that I received in the mail. Although this conversation took place, I was still reported three times to the credit bureau as delinquent from this company. I have spoken with two other representatives, one being a supervisor to try to remedy this situation, yet nothing is changing. It has negatively impacted my credit score. Obviously Great American Finance is aware that my account has been paid in full since XXXX, however the company continues to to commit fraud by reporting me as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc.
State: WY

Complaint narrative:
XXXX continues to collect a debt that has been Discharged in Bankruptcy # XXXX. 
The court and legal counsel has continued to advise this and AMSHER COLLECTION SERVICES, XXXX. THAT the balance of {$78.00} is in permanent " DISPUTE ''. 
ATTORNEY GENERAL has been advised of these harassing collection practices!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Certegy Holdings, LLC
State: MS

Complaint narrative:
I contacted Certegy Check Services today to place a security freeze on my consumer account. The first representative ( XXXX ) stated that I am not able to freeze my consumer report with them ( Certegy ). I tried to explain my rights as a consumer under the Fair Credit Reporting Act ; she continued to talk over me, and stated that Certegy does place security freezes on consumer accounts. I requested a supervisor. The person that came to the phone ( XXXX ) explained that she was not a supervisor, but in fact a " senior rep '' and would not connect me to a supervisor. I again asked XXXX the process/steps to place a security freeze on my account. She stated that the company does not honor security freezes because they are not a major credit bureau. I advised that they are a consumer reporting agency bound by the same Federal laws/Fair Credit Reporting Act and that I have a right to place a security freeze on my report. XXXX became extremely defensive, aggressive, and argumentative. She stated, " don't call her telling her about Federal laws or the Fair Credit Reporting Act. She is not in violation of anything ''. I asked to speak with someone else, or give me a number, or correct address for the consumer security freeze and she stated that I can not freeze my information and that their company does not do it. I asked her for the information again or I was going to file a complaint against the company. She did not care and refused the service again.

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 2020-06-08 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: NY

Complaint narrative:
Account is w/ ( XXXX  ) On my credit report is ( incomplete ) the report is missing numerous months of reporting some times as much as 12 months and ( inaccurate ) w/ their reporting of late payments they show paid in XX/XX/XXXX & 90 days late starting XX/XX/XXXX! I have contacted ( XXXX  ) twice by certified mail & US Dept of Educ as directed by all three credit agencies XXXX, XXXX  & Equifax but nothing has changed! They keep saying report was ( Updated ) yet it the same report keeps coming back w/ ( No ) changes ( No ) one is reading my letters! I even send them Certified to show proof theyre receiving them! Last ones were for 15 day Method of Verification still ( No ) response!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: NY

Complaint narrative:
Account is w/ ( XXXX  ) On my credit report is ( incomplete ) the report is missing numerous months of reporting some times as much as 12 months and ( inaccurate ) w/ their reporting of late payments they show paid in XX/XX/XXXX & 90 days late starting XX/XX/XXXX! I have contacted ( NAVIENT ) twice by certified mail & US Dept of Educ as directed by all three credit agencies Experian, XXXX  & XXXX  but nothing has changed! They keep saying report was ( Updated ) yet it the same report keeps coming back w/ ( No ) changes ( No ) one is reading my letters! I even send them Certified to show proof theyre receiving them! Last ones were for 15 day Method of Verification still ( No ) response!

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 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America Customer Service CLAIM XXXX I am a victim of cyber crime. I on XX/XX/2020, I went to my XXXX  appointment at the XXXX XXXX XXXX XXXX, took cash out of a non-bank ATM machine fo use for the trip. Twos days later found my card was not working. So I logged in, found my card deactivated and two transactions on my account I did not know anything about with many more declined after those two. My account had been deactivated by the bank for suspicious activity A fraud screen appeared before my online account and I declined the transactions that I did not do. I was at home sleep with my card. Apparently a criminal cloned my card and was used it. I had set spending limits on my debit card somehow those limits didn't matter and money was taken out anyway. I was glad most of my money was in saving out the reach of the card or more would have been taken. 
I notified the Bank immediately. I was given a temporary credit for those fraudulent transactions. 
See attached. 

Few days later the credits were reverse and my calls to the Bank began. 

I also checked the consumer section of the Federal Trade Commission website and to para phrase ; I should get my money back for unauthorized transactions as long as I make notification within 60 days of statement. 

I did just that and notified the Bank XXXX online after discovery. ( See Bank receipt ). 

I am XXXX XXXX and it would have been impossible for me to make those DC withdrawals and purchases. 

So where is my refund for the rest of fraudulent transactions?? I am still due {$100.00}

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 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax is unwilling to help me with login problems. I have called in 6 times and held about 7 hours. 5 representatives disconnected me. Another rep told me to call a different number who after holding for 45 minutes also " disconnected '' me. No one will help me with this problem or my freeze problem. I can not talk to a supervisor because the one person I connected with in 7 hours would not forward me. I can't apply for a savings account because I can't unfreeze my account or my husband. When I login I get a message to call, but when I call Equifax people are constantly hanging up and not calling me back, because they say they don't have the capability

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: NY

Complaint narrative:
I mailed in dispute on XX/XX/20 to Equifax for account XXXX/XXXX XXXX listed on my credit report that is charged off. I received the results of the investigation and was notified that the account was accurate. This account was not opened by me nor did I authorize anyone to open this account in my name. I previously contacted XXXX/XXXX XXXX asking for a copy of the application or something with my signature on it and they have not been able to produce anything. Instead they sent me a bill with my name on it. I ask how were you able to verify that this account is accurate? I would like to see what XXXX/XXXX XXXX   has produced to you proving that the account is mine when they were not able to give me anything. There are also inaccuracies on how this account is being reported. The FCRA states that all accounts need to be reported 100 % accurately. First XXXX/XXXX XXXX is not reporting that they sold this account to a collection agency, which is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  by phone and they reported that the account was now with them. Second it is being reported that a past due balance of {$450.00} is owed to XXXX/XXXX XXXX. How is it a balance owed to XXXX/XXXX XXXX when they sold the account to collection agency XXXX XXXX XXXX? There should not be a balance on a charge off account that was sold to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: FL

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX   :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


XXXX  XXXX XXXX  XXXX XXXX, TX XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX Equifax :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : Equifax : Validate Account XXXX Account Number : Please investigate and delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: FL

Complaint narrative:
XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX   :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


Experian XXXX XXXX  XXXX XXXX, TX XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX Experian :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : Experian : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX To Whom it XXXX concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX  :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit 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 non-monetary relief
Consumer complaint received 2020-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter addressing the inaccuracies on my report to TransUnion and filed a dispute on XX/XX/2020. It has been over 30 days now and I have no updates or 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 2020-06-08 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: OR

Complaint narrative:
THERE ARE TWO SPECIFIC ACCOUNTS THAT NEGATIVELY REMAIN ON MY CREDIT REPORTS, NOTHING HAS BEEN DONE IN REGARDS TO REMOVING THE ITEMS. I HAVE ATTEMPTING TO DISPUTE THE FOLLOWING ACCOUNTS NUMEROUS TIMES : XXXX XXXX ( XXXX ), & UNKNOWN MEDICAL ( XXXX ). NOTHING HAS BEEN DONE ABOUT THIS MATTER AND IT'S GETTING TO THE POINT WHERE IT'S FRUSTRATING. PLEASE HAVE THE BUREAUS REMOVE THESE ACCOUNTS ASAP. THEY'RE NEITHER VERIFIABLE, ACCURATE, NOR COMPLETE ( FCRA ), AND I DEMAND FOR THESE ITEMS TO BE REMOVED IMMEDIATELY. THEY DO NOT BELONG TO 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 non-monetary relief
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I filed my income taxes for the year 2016 and never received it. Upon communication with IRS, I was notified it had been garnished for a debt to a company names AAFES. I contacted said company and ascertained they were a collection agency used to collect a debt from a military card. I attempted several times to obtain payment history and contract information to validate the date and met with negative results. I sent certified return receipt for this information to have the debt validated, and I have yet to receive a response either by email or us mail. I have been trying to rectify this issue since 2016 and have been met with resistance. After conducting some research, it appears this company has conducted these same fraudulent practices in the past according to Briggs vs United States This company has continued to take my tax return each year without any verification.

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 2020-06-08 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
On XXXX XXXX I sent a letter to XXXX  stating that I would need verification bearing my signature in reference to Portfolio Recovery LLC who has been reporting that I owe XXXX dollars to a company called XXXX. As of yet I have not received what I have asked for. I have nothing bearing my signature to verify this. I received only an email stating that it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation
State: LA

Complaint narrative:
This said debt was open XXXX XX/XX/XXXX belonging to my ex-wife which whom I had been divorced since XXXX. I sent out a dispute letter but im still being reported to the credit bureaus

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 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
I made N agreement with us bank card like all other creditors that I was unemployed and I need help and they agreed to allow me to skip the payments of my card till XXXX starting in XXXX and resume on XX/XX/XXXX and they removed all late, so what they did is they diminished my credit limit to a minimum to force the card to be maxed out of limit and when I called them they said that now, that they agreed to remove all late fees but that they never agreed to allow me to skip those 2 months, there for I lose and my credit rating will drop cause it shows one card account that is maxed out when I was under 50 % on my credit line

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
I paid off a mortgage with Suntrust in 2019, but Suntrust did not release the lien correctly. They issued a reconveyance against the wrong deed of trust. This results in a lien on my property still held by Suntrust, even though the mortgage has been paid off. 

I tried calling customer service. They promised three times that they would call me back to provide information on how to get this resolved. I have not gotten a call back.

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