vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-16 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: GA

Complaint narrative:
XXXX XXXX XXXX Reported : XX/XX/2019 {$9000.00} There is no contracts, no valid claims ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute XXXX.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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: AUTOMOTIVE CREDIT CORPORATION
State: FL

Complaint narrative:
I noticed the company Automotive Credit reporting an inaccurate and fraudulent debt on my credit report. I initiated a dispute and requesting to validate and and investigate the debt since that seems to always be the 1st step to credit solutions.  The company failed to respond AT ALL to that initial request. I also called them and had to argue with a representative in order to talk to someone in Compliance regarding their failure to respond to the validation letter. I spoke to " XXXX '' in compliance because XXXX the director was out according to her. She asked for time to investigate and that she would later get back to me. She never did. Two entire weeks passed and then I called her again to find out what the next step was. She said there was nothing to do because they have phone calls and that the " account info '' that they have on file is deemed as accurate. I asked her how? And if that's what the company has concluded I am legally entitled to see this " proof '' of what I have been telling them is FRAUD. She then goes on to tell me that they ONLY way she will send me proof that the company DID respond to my validation letter is IF I SEND A CERTIFIED MAIL RECEIPT -- - that is illegal and A LIE. I don't need to send any letters Certified Mail that is NOT a requirement for them to do their job. I then tell her that she is lying to my face about that being a " rule '' and that she is wasting my time. She then asked me if i sent over a police report. I told her NO, i did not send one over because YOUR COMPANY never told me what procedure to take or what direction to go in. To INITIATE A DISPUTE THAT IS NOT LISTED under the FCRA to submit a Police Report along with the initial investigation letter, so how am I supposed to assume that's the case? That's when I told her she should educated herself and the company on the TERM " LIABILITY '' since she has no clue of what she is talking about -- and since she is purposely wasting my time I will have no choice but to contact a Lawyer, which by the failed response and their claim of recorded calls -- I am confident I have a case that will grant me monies along with their compliance to the full extent of the law upon contacting a lawyer. But I also want a paper trail of their failure to follow the LAW on multiple occasions with me. I can only imagine with how many others this happened with!

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 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountainland Collection is reporting incorrectly to XXXX and XXXX a collection - account number XXXX. ( Please see page 5 of the attached credit report. ) This was a medical bill that was never submitted to the appropriate department at my insurance company and consequently this bill never got paid. When it finally came to my attention that there was an outstanding bill, it was too late and the bill was forwarded on to collections. I had tried to resolve this issue directly with my insurance company however every time I would call I would get transferred to a different department and was told by each representative that I was able to speak with that this bill would be re-submitted for payment and that it would not go to collections. When I obtained a copy of my most recent credit report, this collection item appeared. This incorrect reporting of a collection that should not be on my credit report is harming my credit score. I request that this line item be deleted or at a minimum change the coding error from an I9 to an I1.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: NY

Complaint narrative:
Identity theft issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I filed a complaint through you guys against the company, Merchant Adjustment Services and the company responded back on XX/XX/XXXX with incorrect and false information. The company stated that after a letter was sent XX/XX/XXXX, I did not respond! As I stated in my first complaint my last correspondence was XX/XX/XXXX in which the company did not respond. Also the dates on the company 's response is very confusing, I don't understand the reply were they said on XX/XX/XXXX it was verified with the credit bureau that the account was showing as disputed and today 's date is only XXXX XXXX. 
I also sent a correspondence to this company on XX/XX/XXXX, showing that the response is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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 — Problem with personal statement of dispute
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adj Bureau and XXXX XXXX XXXX are double reporting on accounts # XXXX for Knight Adj and # XXXX for XXXX XXXX. These are the exact same account just with different numbers. They are double reporting and it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The account was settled and the settlement amount was paid in full. I sent the information to XXXX and they have failed to properly verify the information and report it correctly on my credit report. The balance is {$0.00} but they are still reporting a negative balance and stating it was charged off.

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 2019-05-16 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: CA

Complaint narrative:
I contacted all three credit bureaus XX/XX/XXXX to have XXXX XXXX removed from my credit report due to me not having a contract. XXXX removed this creditor from my credit report XX/XX/XXXX. However XXXX XXXX is showing up on Experian and XXXX. I have disputed this with a 2nd letter to Experian and XXXX on XX/XX/XXXX because I did not here back from them the reason it was on my credit report. After that I hired XXXX XXXX XXXX to correct this and XXXX and Experian still did not furnish me with a original contract proving that this account was mine as requested or deleting this from my credit report. I disputed this with CFPB XX/XX/XXXX and I looked up my results and spoke with the representative who advised me that they recieved a response back from XXXX XXXX stating that had no record of me which is not true. I provided a screen shot of my credit report stating that this was their name on my XXXX and experian credit report. Since this company is denying that they are not the company that is reporting Im asking Experian and XXXX to delete this company from my credit report or furnish the orignal contract from this agency, which they have yet to do.

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 2019-05-16 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: GA

Complaint narrative:
XXXX XXXX XXXX Reported : XX/XX/XXXX {$860.00} XXXX XXXX  XXXX Reported : XX/XX/XXXX {$250.00} XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1200.00} XXXX XXXX  XXXX Reported : XX/XX/XXXX {$250.00} XXXX , XXXX. 
Reported : XX/XX/XXXX {$240.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$490.00} XXXX Reported : XX/XX/XXXX {$70.00} XXXX XXXX XXXX  Reported : XX/XX/XXXX {$1000.00} XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$0.00} There are no contracts, no valid claims ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
On XX/XX/2019 I sent a letter ( attached ) to credit control via USPS certifeid mail, which was received by them revoking consent to be contacted by telephone. Despite sending my revocation of consent to be contacted by telephone Credit Control LLC contacted me on my cell phone on XX/XX/2019 and on XX/XX/2019. This is a violation of the Fair Debt Collections Practices Act and is total harassment. I am requesting that Credit Control have their counsel contact my counsel to resolve the 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 explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I had a great credit score I tried to keep all my life and now an attorney from Texas shows up on my credit as an added new account from XX/XX/2016 which I had no Idea they can add an account to your credit with out your consent. so each month it shows you didn't pay on a bogus account they added, I had no contact or communication with these people at all ever. they keep hitting my credit every month, this was also on my credit I believe with another collection agency awhile back and also affected my credit score and then it gets sold to the next collection agency. why cant these people do their research first to make sure it was already submitted to my XXXX as a claim in 2016 and they processed it. before they go unto damaging peoples credit with no proof of claim was processed correctly or incorrectly? On Medical debt for all people is mainly error from medical billing people can not process or submit claims correctly so alot of these end up in collection at no fault of ours all has to do how medical billing submits claims. if they would submit the right way we wouldn't have this big problem. medical claims in collection should be reevaluated with medical insurance company first to resolve before, then can take next step if they need to. Sometimes the claim would need to be resubmitted correctly to process and will show paid or completed. Why is it that we have to do the work for everyone in billing dept with XXXX and try to retrieve OLD information on a claim that was submitted along time ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX are double reporting on accounts # XXXX for XXXX XXXX and # XXXX for XXXX XXXX. These are the exact same account just with different numbers. They are double reporting and it should be removed.

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 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/2019 I disputed with BoA 3 XXXX transfer transactions from XX/XX/2019 ( 2 transfers for {$1000.00} and 1 transfer for {$500.00} all to recipient XXXX ). In total {$2500.00} has been fraudulently transferred from my BoA account and the bank has refused to put the funds back. BoA opened up a claim and their initial and 2nd response was that the transaction was authorized because it originated from my device. 
I have never authorized those transfers and I do not know who XXXX is and how they were able to access my device and make the transfer. 
According to your statement posted online : https : //www.bankofamerica.com/XXXX Using XXXX in our Mobile Banking app is a fast and efficient way to send money to family and friends. We verify your enrollment with a code and also provide transaction alerts for new payees, password changes and other potentially suspicious activities. Plus,  youre not responsible for transfers you don't authorize. 
Since I have never authorized those transfers I request that BoA returns the {$2500.00} back to my account. 
I have been obviously a victim of an elaborate fraud and I do not understand how this act of theft can be seen as authorized ( because it came from my device ). The bank is playing with semantics and refuses to put the funds 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
Consumer complaint received 2019-05-16 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX are double reporting on accounts # XXXX for XXXX XXXX and # XXXX for XXXX XXXX. These are the exact same account just with different numbers. They are double reporting and it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I AM IN DIVORCE PROCESS, FOR THAT REASON MY CK ACCOUNT IS FROZEN. 
DURING THIS PROCESS WE HAVE ANOTHER TEMPORARY LEGAL ORDER FOR THE JUDGE WHERE ESTABLISHED WITHDRAW THE MONEY ONCE A MONTH FOR FOR {$6500.00} ( ATTORNEY FEES ) ( ONLY ONE TIME ) AND {$2000.00} FOR MY LIVING EXPENSES EVERY MONTH COMMENCING ON XX/XX/2019. ( THAT LEGAL ORDER XXXX. XXXX MY ATTORNEY SENT TO BANK ). 
THE PROBLEM WITH THE BANK WELLS FARGO IS THEY WONT GIVE MY {$2000.00} FOR XXXX. ( SEE PAGE 10 OF THE TEMPORARY ORDER ) I CLAIM MANY TIMES BY PHONE BUY THE LEGAL DEPARTMENT WONT RECOGNIZES THE LEGAL INSTRUCTIONS FOR THE JUGDE, WITHOUT ANY EXPLANATION ANOTHER COMPLAIN WITH THIS WELLS FARGO BANK IS THE FIRST TEMPORARY ORDER EMITED BY COURT IS FOR ALL MY PERSONAL ACCOUNT. IN THIS CASE THIS ACCOUNT IS A BUSINESS ACCOUNT, NOT A PERSONAL, SO WHY THEY DECIDED FROZEN AND AFFECTED IN MY BUSINESS?

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 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I got a call from debt collections agency. I never received any sort of bill from original apartment complex. As I have no bill I am not sure what I was charged for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: Byrider Franchising, LLC
State: GA

Complaint narrative:
CNAC - GAXXXX Reported : XX/XX/2019 {$10000.00} There is no contract, no valid claims ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I contacted PayPal concerning a purchase I made that was not as described. I didn't know until then it was from XXXX. PayPal forwarded me the address and stated to mail the product back send them the shipping information ( tracking number ) and as soon as seller receives it, I will be refunded the XXXX paid for this item which I did. PayPal denied my claim sent me an email that stated " because we did not receive valid proof or tracking that you returned the merchandise '' I found this inconceivable since they reimbursed me the shipping charge. I spoke with customer service rep XX/XX/XXXX and he stated they confirmed the package still at airport in customs. Now I'm without the item and my money because of the instructions I received from PayPal. Furthermore they are the one who provided me the address in an email which I have the mailing international form that it was sent to that address.

Company response to consumer: Closed with explanation