vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 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: DC

Complaint narrative:
The credit bureaus have failed to address an account on my credit reported by XXXX XXXX which is not being reported accurately. My disputes of this concern have not been responded to. The account being reported by XXXX XXXX has reported 120 days late each month for over 9 months while reporting the last payment date of XX/XX/2020. The account was initially charged off in XX/XX/2020 but was reopened a few months later. If you review the past due amount it will clearly show that the amount is far past due. How could this be accurate? Unfortunately, the vehicle that I was financing blow a head gasket and is in need of a new engine, financially this has put me in a bad place. However, I expect the account to reported accurately. The creditor and the credit bureaus are in direct violation of the FCRA as it pertains to reporting information correctly and responding to disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: DC

Complaint narrative:
The credit bureaus have failed to address an account on my credit reported by XXXX XXXX which is not being reported accurately. My disputes of this concern have not been responded to. The account being reported by XXXX XXXX has reported 120 days late each month for over 9 months while reporting the last payment date of XX/XX/2020. The account was initially charged off in XX/XX/2020 but was reopened a few months later. If you review the past due amount it will clearly show that the amount is far past due. How could this be accurate? Unfortunately, the vehicle that I was financing blow a head gasket and is in need of a new engine, financially this has put me in a bad place. However, I expect the account to reported accurately. The creditor and the credit bureaus are in direct violation of the FCRA as it pertains to reporting information correctly and responding to disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: CO

Complaint narrative:
XXXX XXXX XXXX / XXXX XXXX XXXX XXXX and other XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX and other XXXX XXXX XXXXXXXX XXXX XXXX and other Over the last several months I have contacted the above mentioned companies to let them know I have been service connected XXXX and has had consistent medical coverage since the 80 's without interruption. I also contacted VA to verify this was accurate and indeed it was. Additionally I told the companies that had ambulance bills, that some of the hospital bills had been paid for further proof that he should not have any medical debt. I explained what I was told and that they had 6 years to file the claims and gave the persons phone number extension and permission to speak to the VA to resolve the issue and the companies that bought this alleged and unverified debt and after contacting the VA contact and not one made any effort to resolve the issue. Every time I have called all they want to know is if I will be paying with Visa or master card and when given the information to have the issue resolved if in fact it could be proved to even be my debt. I want the bills removed from my credit because I have made multiple efforts to try to resolve this issue and do not believe the debt is mine because I have had 100 percent medical coverage for decades. I should not be penalized for someone's inability to file insurance claims or debtors who can not prove debt and also will not do what is needed to resolve alleged debt. Since they made no effort to contact the VA I have no doubt the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX COMPLAINT OF [ CREDITORS / COLLECTION AGENCY ] HARASSMENT AND FRAUDULENT DEMAND FOR PAYMENT LETTERHEADS / REMOVAL REQUEST : : OF THE DAMAGING NEGATIVE INFORMATION REPORTED TO THE CONSUMERS 3 CREDIT REPORTING BUREAUS FILE. / I XXXX XXXX XXXX, HEREBY, SUBMIT THIS COMPLAINT OF HARASSMENT, AND FRAUDULENT DEMAND FOR PAYMENT LETTER, AND DAMAGING NEGATIVE INFORMATION, THAT WAS REPORTED TO MY CONSUMER ACCOUNT, WITH THE THREE CREDIT REPORTING BUREAUS BY : _XXXX XXXXXXXX XXXX XXXX WHOM IS A COLLECTION AGENCY. AND DOING BUSINESS ON BEHALF OF ; JPMORGAN CHASE BANK, N.A. 
NOW, THEREFORE! ON THE DATE OF XX/XX/2020. I RECENTLY RECEIVED, __ANOTHER HARASSING PIECE OF COMMUNICATION, VIA__BY LETTERHEAD, FROM XXXX XXXXXXXX XXXX XXXX DEMANDING PAYMENT FOR AN OUTSTANDING ACCOUNT BALANCE, IN THE AMOUNT OF : [ {$20000.00} ] XXXX XXXX, XXXX XXXX AND XXXX DOLLARS, AND XXXX CENTS. 
[ 1 ] I XXXX XXXX XXXX, NEVER OPENED AN ACCOUNT WITH JPMORGAN CHASE BANK, N.A. IN OR AROUND, THE TIMEFRAME PRESCRIBED BY THE CREDIT GRANTOR. WHERE UPON__IT WAS DEFINITELY OPENED BY SOMEONE ELSE? __OTHER THAN, MYSELF! THEREFORE, THE VALIDITY__ OF XXXX XXXXXXXX XXXX XXXX CLAIM AGAINST__ THE SUGGESTED NAMED PERSON ON THE ACCOUNT IS FRAUDULENT. 
REMEDY__THAT IM SEEKING : [ A ] MONITARY RETRIBUTION : : FOR BEING HARASSED, INCONVENIENCED, AND FOR THE RUINED CREDIT RATINGAMOUNT TOTAL : XXXX {$5000.00} ] [ B ] WHEREFORE, I STRONGLY SUGGEST__THATXXXX XXXX XXXXXXXX XXXX, DIRECT ALL FEASIBLE ATTENTION AND EFFORT, ON LOCATING THIS IDENTITY THEFT. AND I ALSO SUGGEST : AN IMMEDIATE STOPPAGE__TO ALL HARASSING DEMAND FOR PAYMENT COMMUNICATIONS. OR__I WILL BE FORCED ; TO BRING FORTH__SOME FORM OF JUSTIFIABLE LEGAL ACTION, WITHIN THE COURT OF LAW. TO REMEDY : :__THIS PETITION AND CHARGES__ AGAINST THE PARTIES INVOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2020 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 im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX / XXXX XXXX XXXX XXXX  and other XXXX XXXX XXXX XXXX/ XXXX  XXXX XXXX XXXX and other XXXX XXXX XXXX XXXX XXXX and other Over the last several months I have contacted the above mentioned companies to let them know I have been service connected XXXX and has had consistent medical coverage since the XXXX 's without interruption. I also contacted VA to verify this was accurate and indeed it was. Additionally I told the companies that had ambulance bills, that some of the hospital bills had been paid for further proof that he should not have any medical debt. I explained what I was told and that they had 6 years to file the claims and gave the persons phone number extension and permission to speak to the VA to resolve the issue and the companies that bought this alleged and unverified debt and after contacting the VA contact and not one made any effort to resolve the issue. Every time I have called all they want to know is if I will be paying with Visa or master card and when given the information to have the issue resolved if in fact it could be proved to even be my debt. I want the bills removed from my credit because I have made multiple efforts to try to resolve this issue and do not believe the debt is mine because I have had 100 percent medical coverage for decades. I should not be penalized for someone's inability to file insurance claims or debtors who can not prove debt and also will not do what is needed to resolve alleged debt. Since they made no effort to contact the VA I have no doubt the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
On multiple occasions I have had contact about this debt. Previous to this I mad all payments on time and in full until my purse was stolen. I called the original company years ago. I thought the issue was resolved until I found it on my credit report, I again stated my purse was stolen and I did tell the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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 reached out to XXXX, Experian and XXXX  about the following reporting Debt since XX/XX/XXXX. I explained to all 3 Credit bureaus the rent that is reporting a Debt without proper debt verification and ownership. 

XXXX XXXX XXXX opened a collection account on XX/XX/XXXX stating I owe them {$2100.00} Original Creditor - The corners c/o XXXX I went to The corners c/o XXXX around XX/XX/XXXX to see why I owed them {$2100.00} I spoke to a guy named XXXX at the front desk he tried to look me up in their system to see any information in their system about me owing them a balance. XXXX stated they had no information about me in their system. 

I contacted XXXX and informed them I needed the following information : The original signed lease between myself and the landlord. 
Details of the security deposit and how it was applied to past due rent. 
Bank statement for the security deposit entire duration of the rental including the accrued interest. 
Detailed breakdown of damages claimed by the landlord and the total cost of repairs, with proof from a licensed contractor The date that the apartment was reoccupied. 
Proof of registration of that apartment following all compliance of the local rental laws in the state of Texas Proof that this is a collectable debt within the statute of limitations in the state of Texas Name of the banking institution and the date in which my security was deposited in an interest-bearing banking account As of today I have not received the above information to validate the debt they claim I owe.

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 2021-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Hello I have been calling customer service to have a card sent out to me and they have been given me the run around .its literally been months since I have not got a card in the mail then they told me I have to send in some information so they can verify my identity and I have cooperated and sent in every thing that was asked of me and of course nothing what could I do about this issue

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 2021-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to start off by saying that I am writing on behalf of myself. I am really concerned about how the credit bureaus have been ignoring my disputes. I do not know what is going on. I've disputed inaccurate information on my credit report three times already, and they have ignored my disputes every single times. Inaccurate information should not be on my report. This is against the law! 

This is really concerning to me also because I am a victim of the XXXX  data breach and I know my information has gotten into the hands of the wrong people. 

I sent in my first dispute to the credit bureaus on XX/XX/2020, and nothing was done about my disputes. I sent my second dispute on my other accounts, and I was ignored again. I sent in a third dispute on XX/XX/2020, and I still haven't heard or received any results on their investigation. I feel like I'm being taken advantage of. It's been over 3 months! This is unacceptable. Please delete all of these inaccurate accounts 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 2021-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
On multiple occasions I have had contact about this debt. Previous to this I made all payments on time and in full until my purse was stolen. I called the original company years ago. I thought the issue was resolved until I found it on my credit report, I again stated my purse was stolen and I did tell the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent Bay Area Credit Service a certified validation letter. I asked them to send me proof that I owed their company money. On XX/XX/XXXX, they sent me a letter stating I owed {$1000.00}. After looking closer at the letter I noticed it was an incorrect name and address. The name was XXXX XXXX. The company sent me the wrong information included with my patient care report Not only has this company violated HIPPA, they have also violated the FDCPA. I have responding to Bay Area Credit Service with a certified letter dated XX/XX/XXXX demanding that they remove the erroneous item from my credit report and the company cease and desist any and all collection activities. Depending on the outcome of the collection agency 's response, I will make the decision to contact the patient whose record I was received without her authorization. This is a clear HIPPA violation to send a patient 's records without HIPPA approval. 

XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
On XXXX, I received a notice of the claimed debt from AMCOL Systems, a copy of which is attatched. I never gave them permission to communicate with me to begin with. In this notice it was stated that AMCOL Systems was a attempting to collect a debt ad AMCOL Systems is a debt collector. 

On XXXX, I disputed the notice as a informed consumer who knows his rights and the Federal Fair Collection Practices Act and Fair Credit Reporting Act related to consumer privacy and statues. I instructed AMCOL Systems to cease collection of the debt. 

On XXXX, I received another notice from AMCOL Systems stating that they were closing the account. 

On XXXX, I sent AMCOL Systems an Affidavit of Truth stating everything that occurred and the violations of my rights as a consumer. The total amount of monetary relief was also stated in this affidavit with a time frame to resolve this matter.

The actions of Amcol Systems of violating my rights as a consumer is not a small matter. By them closing the case is an act of admittance constitutes a civil liability on part of AMCOL Systems and I am invoking my consumer right to specified remedy. Im demanding compensation for each violation of federal law by AMCOL Systems of {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I've been a victim of identity theft. I have contacted the creditors, but nothing has changed I'm asking for verification into account details and to provide accurate information if not to delete these accounts from my name. 

LVNVFUNDG Name and Address Wrong XXXX  XXXX Name and Address Wrong XXXX XXXX Name and Address Wrong XXXX  Name and Address Wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I've been a victim of identity theft. I have contacted the creditors, but nothing has changed I'm asking for verification into account details and to provide accurate information if not to delete these accounts from my name. 

XXXX Name and Address Wrong XXXX  XXXX Name and Address Wrong XXXX XXXX Name and Address Wrong XXXX  Name and Address Wrong

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 2021-01-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I filed a dispute in the regards of the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed an incorrect Bankruptcy on my credit report at least 6 times and credit bureau refuse to send proof or even investigate my request. This is causing me to get higher interest rates and not be approved for other loans.

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 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX  XXXX Balance : {$410.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX  XXXX Balance : {$10000.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} - This Account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
I called freedom mortgage on XXXXto let them know I found a different flood insurance company alot cheaper previously what I was paying. It's was my first time acquiring a different insurance company. I let her know on XX/XX/21 my flood insurance expires. She said we sent a renewal check to the original flood insurance on XX/XX/21, she said she would try to stop payment. On XX/XX/21 my new flood insurance sent the paper work. She did not upload it till XX/XX/21. And my old flood insurance cashed the check she never stopped payment. And freedom mortgage did not upload my renewal for my homeowners either it says expired They have not sent a check to the company 's yet. What the representative put in the notes is not what she told me I asked her should I call my original flood insurance and cancel she said you can if you want or you can let it cancel on XX/XX/21 she denieing she told me that. And on XX/XX/21 I also asked about streaming lining they said someone would get back to me via email or phone call. There's no note once again of me acquiring that. They still have not paid my new flood insurance either.

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