vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
The  Compa  ny : Enhanced Recovery  Co  L  address:  XXXX   XXXX   XXXX   fl  XXXX , placed a collection account for {$300.00} without notifying me that there was even an attempt to collect a debt or even information to dispute the collection. The company is in direct violation of the Fair Debt Collection Practices sect ion 809 ( a ). Validation of debts. The company has placed this negative mark on my credit reports and I would like it removed because it is hindering my chances to gain other credit and tarnishing my name that I have been working to clear in inaccuracies in order to maintain good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: FL

Complaint narrative:
report  XXXX  received  Sat   XXXX / XXXX / 2017  remains incorrect. Some issues rectified others not.  XXXX  shows a negative when account is still in good standing and they CONFIRM balloon included in balance due. They continue to show a North Carolina  XXXX   XXXX   when we have never lived, conducted business or know of any relatives in North Carolina. There is a " State Legislative Fr  eeze '' but no explanation and np mention of the security freeze? Attempts to reach them have come up empty! They do not allow a dispute! Numerous non authorized inquiries and they force you to notify some of them who made the inquiries before processing. They offer a free account but then they state it can not be processed. In my opinion they have serious reporting issues all of which create serious financial hardships and burdens for us as witnessed by the number of complaints posted and closed by you which are still unresolved.

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 2017-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Data Corporation
State: NC

Complaint narrative:
On XXXX XXXX, 2017 I placed an order from XXXX 1  pack of XXXX calculator batteries Order # XXXX. On XXXX XXXX, 2017 we received a collection notice saying that a returned check fee of {$25.00} along with the {$3.00} original order is required ; otherwise consequences from first paragraph of attachment " scan1 '' will take place. I feel that I will have to comply to their wishes ; otherwise my credit can potentially be ruined!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
X/X/17 U.S. CITIZEN LIVING IN THE U.S. - I PHONED IN A CROSS COUNTRY WIRE TRANSFER OF XXXX XXXX FROM MY TD AMERICA BANK ACCOUNT TO MY TD XXXX BANK ACCOUNT. THE AGENT DID NOT ASK MY XXXX ACCOUNT NUMBER, ONLY ASKED ME TO CONFIRM THE LAST 4 DIGITS. X/X/17 THE MONEY LEFT MY TD AMERICA ACCOUNT. X/XX/17 MONEY STILL HAD NOT ARRIVED. I CALLED CROSS COUNTRY WIRE AND WAS TOLD A TRACER WAS PLACED ON THE MONEY AND I WOULD RECEIVE A CALL FROM INVESTIGATOR IN 3-5 DAYS. GAVE ME A PHONE NUMBER TO CALL FOR " INVESTIGATION ''. X/XX/17 RECEIVED WRITTEN CONFIRMATION OF THE WIRE AND SAW THAT A NUMBER IN THE RECEIVING ACCOUNT HAD BEEN TRANSPOSED FROM 6 TO 8.
X/XX/17 CALLED THE " INVESTIGATION '' PHONE NUMBER - IT WAS FOR THE LOAN  DEPARTMENT. CALLED CROSS COUNTRY WIRE TRANSFER AND WAS TOLD IT WAS A XXXX TRACER NUMBER. CALLED MY XXXX BRANCH WHO SAID THEY WOULD LOOK INTO IT. X/XX/17 MY XXXX BRANCH CALLED BACK NEXT MORNING - SAID MONEY HIT THE NONEXISTANT XXXX ACCOUNT AND WAS BOUNCED BACK TO AMERICA.
CALLED AMERICAN SIDE AGAIN AND WAS TOLD TO CALL BACK LATER FOR SUPERVISOR " XXXX XXXX ''. CALLED BACK LATER - WAS TOLD HE WAS IN A MEETING. X/XX/17 - HAVE NEVER RECEIVED A CALL FROM TD AMERICA BANK. HAVE NOT RECEIVED THE MONEY INTO EITHER XXXX OR U.S. ACCOUNT. THIS WIRE TRANSFER REMAINED SOLELY WITHIN THE TD BANK FINANCIAL GROUP. THEY HAVE OUR FULL ACCOUNT INFORMATION ON BOTH SIDES OF THE BORDER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
When my loans were sold from  XXXX   XXXX   to Navient, I was  on a 10 year repayment plan.  Navient reset   me on a 20 year repayment plan. When I called to reset it to 10 years, they told me this was not an option for my loan. I will be paying a lot more interest in those  10 extra years.  I did not want to repay over 20 years. They made it difficult to understand why this was the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a bankruptcy on my credit file. I wro te the BK c ourt to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I contaced  XXXX   XXXX ,  XXXX , Equifa x &   XXXX  they just said it was verified with  XXXX   XXXX . I wrote  XXXX   XXXX  and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.     The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus.  XXXX   XXXX , which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information from a court, when it is actually obtained from an unnamed  3rd party, co uld easily be considered false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
1. XXXX XXXX is a service which reports an over viewof my personal credit. 2. XXXX XXXX is a service of XXXX XXXX ( cc ). 3. XXXX XXXX is provided/informed by Transunion who supplies the information. 4. There is a significant disparity between the percentage of payment history between XXXX XXXX and Transunion reports. The incorrect version is on XXXX XXXX. 5. XXXX XXXX is a service which also reports an overview of my personal credit. 6. XXXX XXXX reports both XXXX ( this is not germane to this issue ) and  Transunion information. 7. The Transunion section of XXXX XXXX and the Transunion credit history are in agreement and correctly reflect my credit payment history. 8. My correct payment history is 100 % perfect payments for seven accounts ( 600+ months ). I do have 6 late payments on my student loan in that period.
9. XXXX XXXX shows a payment history of 89 %. The others Transunion conduits reflect 97 %. 10. Clearly this is basic math and an 89 % payment history is incorrect/impossible. 11. Upon multiple contact neither XXXX XXXX nor Transunion would concede they are responsible for the XXXX XXXX content - and neither was able - or inclined to correct the incorrect information.

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 2017-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
American Express re fuses to issue statement credit for card opened during eligible promotional period.   XXXX   XXXX   XXXX   My original inquiry to the Customer Service department has resulted in  2 inte rnal ' investigations ' that were both closed without any correspondence to myself by a representative of American    Express. My follow ups have failed to resolve the issue. The account is eligible as per the above press release verbatim and the promotion was the defining reason I applied for the account.
I attempted to resolve this issue with help from the Better Business Bureau ( c  omplaint #  XXXX   ) bu t that was met with no investigation to the actual issue and just passing 'notes ' back and forth between the company which is something I was capable of doing myself. The first attempt was a mailed letter from them in attempt to reach the default timeout period against the complaint.     The details on their very own press release ( link included in the original complaint message ) dated  XXXX   XXXX ,    2016  states very plainly that " New Card Members who apply by  XXXX   XXXX ,  2016  can earn up to {$200.00} cash back in the form of statement credits '' and that " Additionally, new Card Members will also earn {$100.00} cash back in the form of a statement credit ''.     My account is eligible for those promotions based off opening my card prior to the specified end date and meeting the purchasing requirements  ( all Wireless Phone Service payments for th e remainder of    2016  were made via the referred card and the second requirement of making {$1000.00} in purchases during the first month of membership was also met ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had applied for a card to help  my credit score to possibly get a house one da y, well it wo n't happen with this company! I was denied ... Not sure how because I read what you need to have to qualify and I was in those limits. on  XXXX   XXXX   XXXX  I receive a letter with WRONG date (  XXXX   XXXX   ) s ee attachment and with this explanation : " Based on your application information, there is legal action pending against the applicant '' Actually my credits report show that I have closed all credit card with them in very good terms. For some reason they have incorrect information about me. I have very good credit with  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and with my credit union  XXXX   XXXX   XXXX  with limits of  XXXX  and Up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Solutions, LLC (KY)
State: TX

Complaint narrative:
Sectio n 392.101 of the Texas Finance Code pro hibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a  surety  bond and filed a copy of the bond with the Office of the Secretary of State.      CREDIT SOLUTIONS, LLC does not have a surety bond filed with the Office of the Secretary of State in TEXAS. All c ollection attempts must cease and information must be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I am contacting you all because on XXXX2017 I paid a debt and the original creditor XXXX XXXX XXXX turned the payment over to collections and fraudulently provided LCA ( Lanier Collection Agency and Services, INC ) with my banking account information to take the money from my account instead of applying it to my account balance. I have included the certified mail receipt and copy of the authorization mailed to XXXX XXXX XXXX After that I waited for the debit to come through it was n't until XXXX/2017 that the debit came through but it hit as a charge from LCA. At the time I did n't know who that was until the bank told me. I then filed a complaint with my bank of an unauthorized transaction by this LCA, as I have no business with them nor have I ever heard of them. I sent authorization to XXXX XXXX to collect a debt and they did n't get it so I thought. So the bank refunded my bank account when I advised them of this. They told me they were n't able to stop the payment so as a result they closed the card associated with the transaction and paid this company who stole from my account because XXXX XXXX gave them my banking information. So on XXXX XXXX  2017 I paid the original creditor via bill pay sent by my bank as a check to settle the debt and again XXXX XXXX sent the check to LCA. I found this out when I received the check mailed to the original creditor in an envelope from LCA stating it is not acceptable as you will see in the documentation I 'm uploading. Therefore LCA is reporting inaccurate information to the credit bureaus in an effort to harm my credibility. I paid this account to the original creditor upon being notified of the balance. They maliciously sent the payment to LCA not once but twice in an effort to discredit me. It is n't right. LCA has already stolen from me and now they have the audacity to report a paid debt to an original creditor ( XXXX XXXX XXXX ) as a collection when they know this creditor actually gave them money for a paid account. I have never and will never do business with a collection agency because I pay my bills when I am informed of them. Plain and simple I knew there was a bill and I paid it and LCA has clearly violated FCRA regulations by reporting to a third party a debt they know is paid in an effort to assist XXXX XXXX XXXX with this fraudulent claim of debt. I demand that LCA remove this fraudulent and illegal information from my credit report. The account has been paid to XXXX XXXX twice and here is the proof sent to me by LCA from the original creditor. I have never had any business with LCA and will not. I 'm not liable for how an original creditor handle payments and aside from this LCA is reporting inaccurate amounts. I owed and paid {$94.00} to XXXX XXXX not the {$95.00} they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: FL

Complaint narrative:
The  XXXX   XXXX  is reporting several incorrect items on my Equifax,   XXXX   and  XXXX  credit reports. First,  XXXX   XXXX  is reporting that there was payment activity in  XXXX / XXXX /  XXXX   ( Equifax  ),  which the last payment made was in  XXXX . Second, it is reporting that there is a monthly payment of {$2100.00} which the monthly payment is {$0.00}.   XXXX   XXXX   I have contacted  XXXX   XXXX  several times about identity theft and provided copies of police reports and fraud affidavits but in response instead of removing these fraud accounts -  XXXX   XXXX  reports these accounts as " new derogatory '' accounts which artificially lowers my credit score.     The  XXXX   XXXX  is reporting this fals e information to illegally extend the 7 year reporting period, and is trying to keep these on my credit report an additional two years which it legally can not  do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
When I went t o the Hospital, I su bmitted my health insurance card, they assured me that they would send me a bill. They never did, nor did receive anything from them. I gone to this hospital for 9 ye ars ( at least 30 different times ). I have always paid them their payment. This these two times they never send me anything. I need a fair opportunity to pay this bill, so I can pay the bills and I need this removed from  my credit.  <P/> COLLECTIONS Original Creditor  XXXX   XXXX   XXXX   XXXX  Opened Date      XXXX   XXXX   XXXX              CENTRAL FINANCIAL CONTRO Opened    XXXX   XXXX   XXXX   {$42 0.00} Original Creditor  XXXX   XXXX   XXXX   XXXX  Status Open Opened Date    XXXX   XXXX   XXXX    CENTRAL FINANCIAL CONTRO Opened    XXXX   XXXX   XXXX      {$150.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: FL

Complaint narrative:
I have a bankruptcy on my credit file. I w rote the BK co urt to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I contaced  XXXX   XXXX , Transunion,   XXXX   XXXX   XXXX   they just said it was verified with  XXXX   XXXX . I wrote  XXXX   XXXX  and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.     The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus.  XXXX   XXXX , which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information from a court, when it is actually obtained from an unna med 3rd party, could e asily be considered false information on 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 explanation
Consumer complaint received 2017-05-28 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: LEXISNEXIS
State: FL

Complaint narrative:
I have a bankruptcy on my credit file. I w rote the BK co urt to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I con taced Lexis Nexis,     XXXX   XXXX   XXXX   XXXX   they just said it was verified w  ith Lexis Nexis. I wrote Lexis Nexis and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.
The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus. Lexis Nexis, which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information from a court, when it is actually obtained from an unnamed 3rd party, could easily be considered false information on my cr  edit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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 have a bankruptcy on my credit file. I wrote  the BK  court to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I contaced  XXXX   XXXX ,    XXXX   XXXX    & Experian they just said it was verified with  XXXX   XXXX . I wrote  XXXX   XXXX  and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.     The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus.  XXXX   XXXX , which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information f rom a court, when it is actually obtained from an unnamed 3rd party, could easily be considered false inform ation on 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