vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: PA

Complaint narrative:
I received a call from National recovery agency about two unpaid records. And I have all records on my end. I told them what they have is wrong. and then they keep calling me and sent me a mail. Of these two unpaid records, the one on XX/XX/2018 is not existed ; the other one on XX/XX/2018 is a mistake. When we visited the provider on that day, we give the wrong insurance card. and we later update them with a new insurance card. I personally visit XXXX XXXX XXXX financial department and they said the problem is solved and told me not to worry about the wrong bill. 

I have no idea how the National Recovery Agency gets these wrong and outdated information and tried to blackmail me. but please help me to stop them from doing this. 

thanks.

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 2020-04-09 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: PA

Complaint narrative:
XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$250.00} These accounts were removed and I have proof ... and I was not notified that they would be put back in my files ... notification is required by FCRA law ... 

I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from XXXX  XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
WAS GIVEN A BALANCE TRANSFER OFFER FROM CHASE FREEDOM CARD AND APPLIED ON LINE AND RESPONDED TO THE OFFER WTHIN THE ALLOTED TIME.. WE HAD AVAILABLE USABLE CREDIT ON THE CARD OF {$11000.00}. WE INDICATED THE TRANSFER IN THE AMOUNT OF {$9000.00} TO BE TRANSFERED INTO OUR XXXX XXXX ACCOUNT. 
AFTER A WEEK THE FUNDS WERE STILL NOT TRANSFERED. WHEN WE INQUIRED WHY THIS HAD NOT BEEN TRANSFERED, THEY HAD NO OFFICIAL REASON AND HAD NOT INFORMED US OF ANY PROBLEM OR REASON OR SITUATION EXCEPT IT WAS JUST NOT DONE!!! ..SLIPPED THROUGH THE CRACKS. ETC ETC ... AND WE DO HAVE PERFECT CREDIT! 
SO CHASE MADE THE OFFER AND DID NOT DELIVER WHAT WAS PROMISED!!! ... THIS IS DEFINITELY NOT OK!!! ... ESPECIALLY TO NOT INFORM US, AND WHEN WE ASKED THEM TO CORRECT THE PROBLEM THEY INDICATED SORRY, ... THE OFFER TIME HAD EXPIRERED .... '' ARE YOU KIDDING??? '' WE WERE DEPENDING ON THIS OFFER ESPECIALLY WITH THE COVID-19 SITUATION ... .BECAUSE OF THEIR ERROR WE ARE CURRENTLY THE EFFECT!!! 
THIS NEEDS TO BE CORRECTED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  CST, I received an email from Discover  telling me that they closed my credit account. I was confused and concerned. I was a Discover cardholder since XXXX and have never been late on a payment. 

On XX/XX/XXXX at XXXX XXXX  CST, I called the number listed on the email to find out exactly why my account was closed and to try to get the decision reversed based on my length of account and perfect payment history. I spoke to a representative in Utah who told me that they closed my account due to non-use, which was the main factor. The last time I made a payment to pay my card off in full was XX/XX/XXXX, so it hadn't been used in 7 months. I pleaded with the representative and reminded them about my history with the bank and never missing a payment. The representative was apathetic and told me that they can't reverse the decision. I explained that there have been several periods during the last 12 years where I have gone much longer without any card use and never had this happen before. The representative would only say that their non-usage periods change. At the end of the call, the representative said that I could re-apply. This made no sense to me because I already was approved and had the account for 12 years plus it would drop my score for unnecessarily going through the entire process again. 

I have other credit cards with other companies and I have received notifications in advance about non-use and that I would need to use the card soon to avoid account closure. Discover should have done this, especially if the non-use period keeps changing. Discover has effectively wiped {$15000.00} worth of available credit which will tank my credit score for no good reason. We are in the middle of a pandemic and with the uncertainty of everything going, the last thing you want to do is close the account of a customer who was responsible with their credit and never missed a payment. 

All I am asking for is that my credit account and line be restored as it shouldn't have been closed. I also want Discover to do the responsible thing and notify customers when they are approaching their arbitrary non-use time limit which would avoid all of this in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX sent me an email that it looked like my personal data had been compromised. I reviewed everything and there was several unknown inquiries and accounts that I am reporting are definitely not mine. Please remove these items from my report. 

XXXX  XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX {$600.00} DEPT OF ED/XXXX   XXXX {$69000.00} XXXX/XXXX XXXX XXXX {$300.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

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 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX sent me an email that it looked like my personal data had been compromised. I reviewed everything and there was several unknown inquiries and accounts that I am reporting are definitely not mine. Please remove these items from my report. 

XXXX  XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX {$600.00} DEPT OF ED/XXXX   XXXX {$69000.00} XXXX/XXXX XXXX XXXX {$300.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

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 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
I inadvertently made a double mortgage payment, one manually and one threw automatic withdrawal. I have spoken for hours to at least 4 representatives explaining the situation and requesting reimbursement for one of the payments. They requested an unreasonable amount of information to process a reimbursement, however, all of the information requested was provided by my bank twice. I finally spoke with a representative on XX/XX/XXXX that said they had all of the information required and initiated the return of the second payment. I thought the issue was resolved until I received another phone call on XX/XX/XXXX, where yet another representative said that they did not receive the required correspondence. I would appreciate any help in resolving this matter.

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 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
I have had several companies take out unauthorized transactions from my debit account. I filed dispute with us bank regarding the unauthorized transactions and asked if I could complete the dispute paperwork over the phone, as I do not have means to mail or fax at this time. The us bank card member services personnel member berated me over the phone and told me I needed to fill out the paperwork if it was sent to me. When I asked about an alternative to filling out the paperwork she became rude and told me to hold so she could get another team member to talk to me, left me on hold for a long time, then disconnected the call. This is the eighth time I have been hung up on by us bank when trying to handle my disputes.

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 2020-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central States Recovery, Inc.
State: CO

Complaint narrative:
I became extremely sick in college a few years back. I had to go and get many test done to figure out what was wrong with me. i paid off every single bill that i had accrued because of this sickness. Almost {$10000.00} dollars. I never remember receiving communication from the hospital in regards to a bill that i had owed. otherwise, i would have had no problem paying this. It must have slipped through the cracks with all the mail i was getting. I paid the debt off instantly as soon as it went to collections. I tried to call the bank to get it removed and they wouldn't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
closed out my account b/c I filed several disputes with CFPB and FTC what's the point of having this company if banks can close you out b/c you diputes something with CFPB

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 2020-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
RE : TransUnion XX/XX/XXXX, began making requests to update mortgage payment information. Contacted XXXX XXXX  and verified XXXX submitted mortgage payments update XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Between XXXX, XXXX and XX/XX/XXXX, I spoke repeatedly with the Special U.S. Handling Team and they indicated repeatedly they were updating my report. 

XX/XX/XXXX, I spoke with XXXX XXXX, Supervisor in the U.S. Special Handling Team Department, TransUnion. She specifically stated " No one would be making the updates/corrections to this account. '' RE : XXXX   XX/XX/XXXX, we began requesting the same mortgage payment update. After paying their monthly fee and filing repeated complaints, no update has be made to my credit report. 

RE : XXXX  XXXX my credit record XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: FL

Complaint narrative:
To Whom it May Concern : Loan number : XXXX Address of Mortgage : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX  Phone Number : XXXX I am placing a request for help with a company ( XXXX XXXX ) that has placed credit reporting errors on my account. 


I have spoken to several XXXX Customer Service advisors. 

I have reported, inaccurate late payments ( in XXXX ) that were reported inaccurately to the Credit Bureaus. It is prohibiting me from getting a new mortgage loan for a new home. 

The home was not in my possession in XXXX as it was sold in XX/XX/XXXX, 2017.The title was changed on XX/XX/XXXX and was signed off by a judge in XXXX XXXX , Florida ( Judge XXXX XXXX ) . 

I have also reached out to the credit bureau 's to dispute this error. Please expedidite this as soon as possible in the form of reporting the correction to the credit bureau and sending a letter stating the error. It is severely impacting my livelihood. Time is of the essence. 

XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: FL

Complaint narrative:
I am trying to correct some information on my Experian Credit Report. Their website is very misleading and they try to trick me into taking out a membership where you have to pay a monthly fee for. I have been trying to log in/create an account to dispute credit inaccuracies and I am not able to do so. The site keeps stating that my password is incorrect even after several attempts to reset it. I try to submit documents to verify my identity and I get a message that my documents were discarded. I try to call the phone number listed on the site and I am not able to get in contact with anyone for assistance. Again the automated phone system refers me to the dysfunctional site.

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 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.

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 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.

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 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I applied for a forebearance plan with my mortgage and within a day I received a confirmation e-mail from the collector that I had been approved to the plan, however, I would still receive a letter in the mail with details on when it official begins and the duration of such plan. Furthermore, I found communicated obscurely that am required to accept the terms and returned this document with a signature in order for it to be activated. The " approval of plan '' e-mail is misleading in both wording and in creating a false sense that you are in fact covered by the plan when you are not. 

This crucial letter never came, and now my pay period ( XX/XX/2020 ) is coming in under a week. Not knowing whether this month is covered by my forebearance plan and never having signed the agreement and returned it, I now have no choice but to make a full payment to my mortgage. I fear if I do not make this payment, which I can not afford to, it will impact my credit score and I will also be penalized with a fee.

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 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Amount {$500.00} date of XXXX couldnt work because of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citicards has not reversed charge with airline, so I am unable to receive refund.

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 2020-04-09 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: LA

Complaint narrative:
i SEND A LETTER TO TRANSUNION ON XX/XX/2020 AND THEY ARE USING TACTICS, DONT WONT TO VERIFY THE DISPUTES SAYING THAT THE LETTER CAME FROM A CREDIT REPAIR COMPANY WHICH IS NOT TRUE.THIS HOAX NEED TO BE STOPPED AND CONTINUE WITH THE PROCESS OF VALIDATING MY REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation