vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-10 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: NC

Complaint narrative:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! 
My current and only address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, North Carolina XXXX. My name is being confused with another XXXX XXXX XXXX. My DOB is XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong. The following addresses are not my please delete they are not mine they are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX I have some account the I need absolute proof that they are my because of the previous confusion with another XXXX XXXX XXXX. 
The reason for my dispute is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623 , subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, the major of the account that appear have failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809. I am in need of a re-investigation to account for the confusion and possible fraud as well as unverified accounts. please send a copy of the Creditor Disclosure form I have attached along with any copies of a contract agreement with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
In the month of XX/XX/2018 I noticed a collection account on my XXXX credit record by the name of Americollect Inc XXXX XXXX  XXXX XXXX WI XXXX-XXXX  for an amount of {$100.00}. I disputed the collection with XXXX as I do not recall this being a valid debt. I was notified by XXXX in XX/XX/2018 that the debt had been verified by the collector and would remain on my report. 
On XX/XX/2018 I send a certified letter to Americollect Inc XXXX XXXX XXXX XXXX WI XXXX-XXXX  asking them to send me a legal verification of debt. As this is my right under the Fair Credit Reporting Act. Yesterday I received a letter from Americollect stating that my request has been " deemed frivolous or irrelevant '' and furthermore " there will be no additional investigation on this matter ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I paid my account listed with XXXX XXXX in full in XX/XX/2018. I submitted proof of payment and filed a dispute with Equifax, XXXX  and XXXX  In XXXX notifying them that my account had been paid in full and that XXXX XXXX stated that the account would be removed from my credit report. 

As of todays date, Equifax and XXXX is still incorrectly reporting the above listed account as an unpaid collection. 

Attached is a letted from XXXX XXXX stating that my account is paid in full and that they have requested for the account to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Multiple dates last 2 weeks in XX/XX/2019 PAYPAL refuses to process multiple routine transactions without explanation but with message to " try Later ''. Telephone conversation with tech support reveals a " security block '' reason unknown to humans. I am told nothing they can do and they dont know when this problem will end. Additionally i am denied access to my account due to security verification code that paypal insists on sending to old phone numbers that are 20 years old. This in spite of the fact that i have removed these old numbers from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
I recently received a letter in the mail on XX/XX/XXXX from an outside independent legal entity notifying me that I was being sued by XXXX XXXX XXXX/XXXX  XXXX XXXX regarding a credit card account that was filed in XXXX  Circuit Court on XX/XX/XXXX. 

I would like to make the CFPB aware of this occurrence as I never received a formal document from XXXX/XXXX XXXX notifying me of the possibility of a default judgment or documentation demonstrating the suit that was filed in the XXXX Municipal/Circuit Court for period XX/XX/XXXX through XX/XX/XXXX. 

I would like be contacted by a representative of either/or both XXXX XXXX & XXXX XXXX XXXX via phone or email in order to facilitate a mutually beneficial payment arrangement as I would like to avoid a potential default judgment as I do not have any available PTO to attend the legal proceeding scheduled for XX/XX/XXXX and also do not have additional funds available to pay for legal representation. 

Latest updates are that I never received a letter from Hayt Hayt and Landau regarding in XXXX as referenced in XXXX letter of response ( attached ) to my initial request to create a payment arrangement which was submitted through CFPB - and if I had not been contacted by an outside legal entity that I would not be aware that a court case was entered against my name. As a result of this discovery I have repeatedly reached out to Hayt Hayt Landau and have left voicemail messages with XXXX XXXX and also physically spoken to a team member that promised they would have the attorney on the case call me back or email me on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. I still have not received a call/ voicemail message or an email in response to my request to create a payment arrangement. As I have not been given a file number yet due to no one reaching out to me - I am unable to establish a payment arrangement or initiate a payment. Can someone please advise me on whether I should initiate a payment arrangement with XXXX if Hayt Hayt Landau does not contact me via email/phone or respond to my phone calls prior to the XX/XX/XXXX court date? I do not have vacation/leave available to go to court or additional money available for legal representation and would like to establish and arrangement in order to resolve this issue. If I am unable to resolve this issue a judgment would put me into an even more arduous financial situation. I will continue to call Hayt Hayt Landau as I would like to establish an arrangement as soon as possible. Please Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I paid my account listed with XXXX XXXX in full in XX/XX/2018. I submitted proof of payment and filed a dispute with XXXX, TransUnion and XXXX  In XXXX notifying them that my account had been paid in full and that XXXX XXXX stated that the account would be removed from my credit report. 

As of todays date, XXXX and TransUnion is still incorrectly reporting the above listed account as an unpaid collection. 

Attached is a letted from XXXX XXXX stating that my account is paid in full and that they have requested for the account to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
All of the companies involved with this debt have numerous complaints against them for dishonest and illegal practices. XXXX XXXX XXXX and XXXX XXXX of Oklahoma, both violate consumer rights non stop. I filed a complaint against XXXX yesterday and in less than 24 hours they dismissed my complaint and closed it out. Their response was full of inaccurate information. 
Again, they have refused to provide my consumer disclosure file, ANY proof of debt validation or any other information as they are required to do in accordance with federal law. They have also refused to show proof that they are legally able to pursue this debt in the state of Oklahoma, especially considering they have admitted that they are not the original debt collector. 
In their response, they are trying to play games and say that my speculation from where this debt came from is completely false. There again, they have NEVER provided any proof or actual bill from the original source. They are now claiming that this is from XXXX XXXX XXXX, which I have NEVER been a patient at and is located in XXXX, Ok, NOT XXXX, Ok. The information on my credit file, indicates this is from sometime in XX/XX/2013. XXXX XXXX XXXX was struck by a tornado in XX/XX/2013 and completely torn down by XX/XX/2013. This is a verifiable fact, just like the fact, that I have NEVER been a registered patient at XXXX XXXX XXXX. Another verifiable fact, when one does a simple search for XXXX XXXX of Oklahoma, there are literally thousands of consumer complaints, where they have done the exact same thing to many other people, NEVER billing them, and multiple examples where they attempted to commit insurance fraud and were caught.

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 2019-01-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America tried to let CFPB case to close, then they recharge me again the same amount that I dispute about it. 
So bad customer service I'm receiving from this bank. 
I'll try to reach to the highest financial organizations and government level to write a claim about this bad financial institution customer service as I spent almost one-year doing phone calls or visit the local branches to redescribe the entire situation. 

The transaction happened in XX/XX/2018 by Hotel in XXXX . 
After " solving the problem '' my bank recharge me again on XX/XX/2018. 

Thank you,

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 2019-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NV

Complaint narrative:
On XX/XX/2019 an account from IC Systems showed up on my credit report and I do not have any debt. I am a victim of identity theft.

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 2019-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: KY

Complaint narrative:
My problem is with XXXX XXXX handling my XXXX income direct deposits. Ive had the account for 3 years and havent had to report any errors. In XXXX my card was used with out my concent spending aprox {$440.00} dollars by the XXXX of the month. I made contact with XXXX XXXX to dispute the transactions. XXXX XXXX made 2 suggestions to complete the dispute request 1 via postal mail after signing their documents & the other my own document explaining my reasons in detail to my knowledge of the occurance. I have called multiple times and am advised that my faxed documents sent 2 times via fax have not been located or received. 1 by mail that also has not been located or recieved. Here its XX/XX/2019 and the disputes have been closed and not satisfied. This is odd being there was never additional attempts to contact me or allow other options to be sure my money is returned. The reps just seem to quick to not wan na rectafy the disputes in my favor. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I recently received a letter in the mail on XX/XX/XXXX from an outside independent legal entity notifying me that I was being sued by Midland Funding LLC/XXXX XXXX XXXX regarding a credit card account that was filed in Philadelphia Circuit Court on XX/XX/XXXX. 

I would like to make the CFPB aware of this occurrence as I never received a formal document from Midland/XXXX  XXXX notifying me of the possibility of a default judgment or documentation demonstrating the suit that was filed in the Philadelphia Municipal/Circuit Court for period XX/XX/XXXX through XX/XX/XXXX. 

I would like be contacted by a representative of either/or both XXXX XXXX & Midland Funding LLC via phone or email in order to facilitate a mutually beneficial payment arrangement as I would like to avoid a potential default judgment as I do not have any available PTO to attend the legal proceeding scheduled for XX/XX/XXXX and also do not have additional funds available to pay for legal representation. 

Latest updates are that I never received a letter from XXXX XXXX and XXXX regarding in XXXX as referenced in Midlands letter of response ( attached ) to my initial request to create a payment arrangement which was submitted through CFPB - and if I had not been contacted by an outside legal entity that I would not be aware that a court case was entered against my name. As a result of this discovery I have repeatedly reached out to XXXX XXXX XXXX and have left voicemail messages with XXXX XXXX and also physically spoken to a team member that promised they would have the attorney on the case call me back or email me on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. I still have not received a call/ voicemail message or an email in response to my request to create a payment arrangement. As I have not been given a file number yet due to no one reaching out to me - I am unable to establish a payment arrangement or initiate a payment. Can someone please advise me on whether I should initiate a payment arrangement with Midland if XXXX XXXX XXXX does not contact me via email/phone or respond to my phone calls prior to the XX/XX/XXXX court date? I do not have vacation/leave available to go to court or additional money available for legal representation and would like to establish and arrangement in order to resolve this issue. If I am unable to resolve this issue a judgment would put me into an even more arduous financial situation. I will continue to call XXXX XXXX XXXX as I would like to establish an arrangement as soon as possible. Please Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I tried to transfer some AMEX points to my airline. And getting " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. ". Called AMEX customer, and got nothing useful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
I have sent several letters to Security Credit Services in regards to an account that they are claiming to be mine. I have asked 3 times to validate the debt and all I keep receiving back from them is an electronic application and bill. My last communication from them was asking for a copy of my id and signature which they were not able to furnish. Everytime I send them a letter asking for validation they just keep saying validated and demanding that I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! 
My current and only address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, North Carolina XXXX. My name is being confused with another XXXX XXXX XXXX. My DOB is XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong. The following addresses are not my please delete they are not mine they are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX I have some account the I need absolute proof that they are my because of the previous confusion with another XXXX XXXX XXXX. 
The reason for my dispute is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623 , subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, the major of the account that appear have failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809. I am in need of a re-investigation to account for the confusion and possible fraud as well as unverified accounts. please send a copy of the Creditor Disclosure form I have attached along with any copies of a contract agreement with my signature.

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 2019-01-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! 
My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX. My name is being confused with another XXXX XXXX XXXX. My DOB is XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong. The following addresses are not my please delete they are not mine they are inaccurate. Please remove delete that following addresses : XXXX XXXX   XXXX  XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX I have some account the I need absolute proof that they are my because of the previous confusion with another XXXX XXXX XXXX. 
The reason for my dispute is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX required to notify me no later than  30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623 , subsection ( 7 ) ( A ). However, in my records I am unable to  locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, the major of the account that appear have failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809. I am in need of a re-investigation to account for the confusion and possible fraud as well as unverified accounts. please send a copy of the Creditor Disclosure form I have attached along with any copies of a contract agreement with my signature.

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 2019-01-10 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/19 my chase freedom account was closed because of XXXX discrimination. Chase broke the Equal Credit Opportunity Act, chase assumed because Im XXXX that Im poor so they closed down my account without a logical reason. Chase assumed because Im XXXX that I am poor. Chase assumed because Im XXXX that I couldnt pay my bill. Chase stated that {$7000.00} is a very large amount of money and it isnt. Chase stated they were closing my account because Im XXXX and I used their credit card. Chase is so XXXX they didnt even give me the opportunity to pay my bill. I have 0 missed payments and Ive never been late on any of my credit cards but chase has customers with credit cards that are late and missed payments but I am penalized for using my card while being XXXX. Chase will lie and say its any other reason besides me being XXXX but Chase is XXXX and Im not the only XXXX XXXX thats was discriminated against by Chase.

Company response to consumer: Closed with explanation