vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
this is ni my account i dispute it 2 times all ready asking them to send me sonething that i sign they have nt send me any thing Thank you XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried to have a wrong address removed through your website, however Equifax removed 5 CORRECT addresses I had resided in for almost 5 years OR MORE ERRONEOUSLY ... 
I NEVER ASKED IN MY COMPLAINT REMOVAL OF FIVE OF THESE ADDRESSES ... 
PUZZLED AS HOW AND WHERE FROM THEY GOT THE IDEA AND TOOK THE INITIATIVE OR RIGHT TO DO SO. I HAD ASKED THAT THEY REMOVE ONLY THE XXXX ADDRESS, AND THAT THEY RE-INCLUDE ANOTHER ADDRESS ON XXXX  THEY HAD REMOVED ERRONEOUSLY WHEN IN XXXX  I HAD TRIED TO REMOVE ANOTHER ADDRESS THAT DID NOT BELONG TO ME ... SO ONCE AGAIN, THIS TIME AROUND THEY REMOVED 5 CORRECT ADDRESSES INSTEAD OF 1, IN XXXX AGAIN ERRONEOUSLY. ( I ASKED EQUIFAX TO CORRECT, REINCLUDE THE ADDRESS IN XXXX, I WAS PROMISED, GOT THE CONFIRMATION, IT WAS NOT INCLUDED IN CURRENT REPORT ). 
SO I AM DEEPLY CONCERNED FOR MY CREDIT REPORTS HISTORY GENERATED BASED ON ALL THESE ERRONEOUS ACTIONS. WHY IS IT SOOOO HARD, DIFFICULT TO GET A SIMPLE PROCESS OF REMOVING A WRONG ADDRESS, WHY DO THEY BECOME MORE CREATIVE AND DELETE THE CORREC ADDRESSES? HOW CAN WE TRUST A COMPANY ON ANY OF OUR PERSONAL INFORMATION? I GET DAILY BASIS PROMOTIONALS TO BUY THEIR SERVICES ... BASED ON THESE EXPERIENCES I AM ALMOST CONCERNED ABOUT ANY OF MY PERSONAL INFORMATION IN THEIR POSSESSION ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: Lendmark Financial Services
State: MD

Complaint narrative:
Lendmark company has falsely reported me to XXXX  and XXXX  that I am owning {$1.00}, XXXX. My records show that I have paid off my loan to this company. I paid off my loan of {$8100.00} on XX/XX/XXXX following some advice by the company customer service staff. On XX/XX/XXXX, I was approached that I owed an interest of {$91.00} which I also paid immediately. My bank account can confirm these payments. I also sent a letter to the office location in XXXX to confirm that I have totally paid my loan, but I did not receive any response from this company. On XX/XX/XXXX, I had a telephone conversation with one of their managers Mr. XXXX XXXX about this concern and he apologized and assured me that he would discuss the problem with his supervisor and get back to me, but he never did. Instead, the company sent a report to credit companies claiming that I missed payments which has adversely affected my credit history. 
I would appreciate if you could please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PlusFour, Inc
State: VA

Complaint narrative:
I am a XXXX years old senior, living on ( {$800.00} ) social security a month and covered by XXXX and XXXX insurance, I already disputed these three charges, all my medical charges were covered and paid by XXXX and XXXX, but these three collection ( it seemed are Over charges for Unnecessary visits for no Treatments, just to keep charging the XXXX and to keep charge me extras for no medical need ), I field a dispute and my dispute was investigated by XXXX  and it was Removed from and deleted from my credit report as shown below, But these three collections accounts Still showing on my credit report by XXXX XXXX XXXX despite my repeated letters and dispute to both agencies but got no satisfactory conclusion and response, this irrespirable behavior by these collection companies and reporting agencies caused me Great Harm and Denial of credit applications, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - these are the three collection : 3 - collections {$860.00} Reported balance PLUSFOUR , INC {$300.00} PLUSFOUR , INC {$110.00} PLUSFOUR , INC {$320.00}. These -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- These Three collection was reported by : XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, NV XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is from TransUnion : Accounts In Collection Removed PLUSFOUR INC + Collections Account Removed PLUSFOUR INC + Collections Account Removed PLUSFOUR INC + Collections Account Removed -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This is from XXXX, it was removed and deleted from my credit report, Your Dispute Results Investigation Results Print Report Created On : XX/XX/2021 File Identification Number : ( XXXX ) Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS - DELETED : The disputed item ( s ) was removed from your credit report.

In response to your dispute, these three items was DELETED from your credit report. PLUSFOUR , INC {$300.00} PLUSFOUR , INC {$110.00} PLUSFOUR , INC {$320.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Thank you for your attention, my email ( 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 2021-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: OH

Complaint narrative:
The following debt is in collection, even after attempts to make payments. applied for financial aid through the institution and was denied even after expressing that I do not have the finances to pay for the debt. The debt is a negative reflection of my credit profile and I would like the following debts to be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: Ability Recovery Services, LLC
State: PA

Complaint narrative:
I received a robo / spam call on XX/XX/2021. I called the number back, spoke to XXXX at Ability Recovery Services on XX/XX/2021 at XXXX pm and had the following conversation regarding the following collection account being reported by your Company to the Credit Reporting Agencies. In my conversation with XXXX, which she said was recorded, we talked about an account you are reporting on my Credit Report regarding the aforementioned account. I old her I do not know who she was and the alleged account is disputed in its entirety. 

XXXX told me to pay it in full or Ability Recovery Services will report and continue to report the account to the Credit Reporting Agencies even though the account is disputed in its entirety. No address or contact information was given to me to contact the original creditor other that the name of a hospital. I was not given any further assistance in resolving this matter by XXXX. When I explained to her my only other alternative was to file a complaint in court, serve your company, the hospital and the Doctor and she told me to go ahead. She also laughed and said go look at your credit report. 

I have contacted the Original Creditor by phone and they do not have any records they can forward me. 

The XXXX Practices of Ability Recovery Services use intimidation, threats and causes intentional damage to consumers like me in order to collect monies they do not even know are owed.

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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Cap1/Walmart I have an account with your company that was purchased from XXXX/Walmart. I am an authorized user on the account XXXX. However, you are showing that I was late ( 30 days ) XX/XX/2020. But I dont recall even having a card issued to me at that time? None the less, can you please assure me that the card you are reporting 30 days late was mine? Otherwise, you are reporting illegally. 

Finally, after I ask that you please fix my XXXX report to show that I have never been late, I also ask for a courtesy removal of the 30 day reporting on all accounts. My mother, who is the primary, has been with Walmart for many years. She suffers from XXXX XXXX and XXXX. We apologize for the inconvenience we have caused and assure this will not be requested again after correction / deletion of the late on bureau. 

Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I paid the amount. And 3 three years later my wages were garnished for collection fees that were not indicated on the initial statement no validation was provided please see attatched documents attention to date Initial debt $ XXXXXXXXpaid in full XXXX with cashiers check that cleared bank Additional fees not reflected in the billing statement that validated $ XXXX In the amount of about XXXX dollars for a Total of about XXXX dollars XX/XX/XXXX Three ( 3 ) years later garnished wages, never received court notice disputed additional charges. Paid additional amount over 5 months Should not have been charged collection fees predatory, fees and unfair, process shady very shady need help and explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is refusing to remove fraudulent inquiries after numerous attempts to get them taken off. I submitted serval disputes. I have faxed a FTC identity theft report, I have faxed a detail letter requesting the removal. I also faxed a copy of my driver license and social security card to validate my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attempted on several occasions to dispute an account that was opened fraudulently even with proof attached they still believe the account was not opened fraudulently. I have confirmation from XXXX confirming that I did not open the account.

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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the XXXX day. I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 ( a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My knowledge was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I'm making this complaint about M & T Bank without contacting the bank because it feels like they are doing something that is illegal. I opened a bank and savings account with M & T Bank about 3 weeks ago. M & T Bank locked me out of my online account twice, once when I tried to initially log onto my new account, and a second time when I tried to set up a new payee in online bill pay. Both times M & T placed what they called " fraud alerts '' on my account. Because M & T 's online banking system didn't work well, I decided to open a different bank account. I will eventually close my M & T account.

Today I tried to open a new account at a different bank ( XXXX  ). However, I was denied an account. The banker thinks it's most likely because of the fraud alerts M & T has put on my name. The banker said all banks would have received this derogatory " fraud alert '' information about me. Is it legal for a bank to put a " fraud alert '' on me or my credit report without my knowledge or permission? Neither time was fraud. The first time M & T put a fraud alert on me was because I didn't log into my new account fast enough. I had a temporary password, and the password expired before I logged in. That was my mistake, but does M & T have the right to issue a " fraud alert '' on my credit report? The second time they made a fraud alert was when I tried to set up a new payee for my online bill pay. I don't know why, but M & T put a fraud alert on my credit report just because I tried to add a new payee to bill pay. This seems crazy! Now I'm not able to open a new bank account anywhere because M & T put fraudulent " fraud alerts '' on my credit report. I feel like M & T is committing fraud. They're also ruining my credit when all I tried to do was log into my online banking and pay bills. Both times M & T issued a fraud alert, I called them and cleared it up and got access to my account. But now my credit is ruined. I hope you can help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Attached Screenshot proves XXXX  reported to Equifax {$0.00} balance due but they will not update my credit score, I need to help family get loan for XXXX Please ask them to update my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I have attempted on several occasions to dispute an account that was opened fraudulently even with proof attached they still believe the account was not opened fraudulently. I have confirmation from Moneylion confirming that I did not open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My car was broken into and some of my personal identification was taken. I have since noticed that several attempts has been made to purchase things using my information that I did not do. The things listed on this report is fraud and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
For my trading account at the bank, they have locked my ability to access my online profile and get my needed tax information because they claim they need more information that includes what my net worth is, what the phone number of the company I work for is, how I achieved my level of net worth and what the sources were, what liabilities I have, whether I own a house, what date I moved into my house. This is a fishing expedition by the bank to get more information under the guise of security that we use for marketing and other abusive purposes. Im just looking to get my tax information that they never sent me in the mail. Im not even looking to make any trades. The bank is required to provide me with this information. 

The bank has been contacted about this type of thing with its service and hasnt done anything. Whats more : in previous complaints with the CFPB, Bank of America has shown a practice of just always claiming that it needs more time to extend to 60 days in order to review a complaint. The bank doesnt need this time but it just routinely does this to drag things out. Such a thing as lying to the government. In the case here, Bank of Americas frivolous telling of the CFPB that it needs 60 days will cause me difficulty because I need to file my taxes before the deadline.

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 2021-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I sent {$1000.00} to buy Bitcoin on Gemini My account was verified via ACH which they let me send my money to Gemini Now they dont let me withdraw my own money because my account is NOW restricted Theyll not give me my money unless I send them a wire transfer which will cost me {$35.00} Its a fraud My account is also under my name but they said its under a different name Theyre lying to take my money I talked to my personal banker at XXXX XXXX  He said it doesnt make sense to do a wire transfer when ACH is already verified Please help me I just need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My car was broken into and some of my personal identification was taken. I have since noticed that several attempts has been made to purchase things using my information that I did not do. The things listed on this report is fraud and not mine.

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 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
I paid the amount. And 3 three years later my wages were garnished for collection fees that were not indicated on the initial statement no validation was provided please see attatched documents attention to date Initial debt $ XXXX in full XX/XX/XXXX with cashiers check that cleared bank Additional fees not reflected in the billing statement that validated $ XXXX In the amount of about XXXX dollars for a Total of about XXXX dollars XX/XX/XXXX Three ( 3 ) years later garnished wages, never received court notice disputed additional charges. Paid additional amount over 5 months Should not have been charged collection fees predatory, fees and unfair, process shady very shady need help and explanation.

Company response to consumer: Closed with explanation