vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I have been receiving calls from an automated debt collection system ( a number search revealed it to be G.L.A Collections based in XXXX, KY. There were no identifying factors in the call regarding the agency or what the debt consists of ). Ive not been able to answer the call due to receiving them on my cell phone during work hours, so the messages have been left via voicemail. I have ran a credit check via XXXX, but there are no unpaid debts showing on the report. Ive also called the agencies Ive recently had bills from ( all medical facilities ) and they report no balances or referrals to a debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: AES/PHEAA
State: CA

Complaint narrative:
Some of these loans do not belong to me and should not be reporting to my credit. XXXX advised that the incorrect information will be deleted and my credit report will be updated, but there are still loans that don't belong to me for years causing my credit score to suffer. I have contacted the department of education and XXXX but since they are closed im finding there is a significant delay with verifying this information. XXXX did lots of fraudulent loan applications and i never received some of the monies reported. Please delete this information until it can be reported to my credit report 100 percent accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit report with all three ( 3 ) bureaus ( Experian, XXXX and XXXX ). There is a public record listed on all three for a bankruptcy. I disputed this incorrect information with all three bureaus and received a response stating the information obtain in my credit report was " verified as accurate. '' I contacted the bureaus to ask how this information was verified ; however, I have not received a response to that question. I mailed a letter to the court listed in my file and received a response from the United States Bankruptcy Court stating they do not report information to or remove information from the credit bureaus. In addition, I also contacted XXXX XXXX a third party agency and they indicate a freeze has been on my account since XX/XX/XXXX.How was this information obtained and who verified this inaccurate information since the US Bankruptcy Court state they do not report anything to the credit bureaus. The US Bankruptcy Court is the only entity that can verify if this information is true and correct, and they state they do not provide information. I have made several calls and written letters disputing this public record and I am frustrated as I am getting no where.

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 2021-11-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge Off : XXXX XXXX XXXX-Balance {$0.00} Collection : XXXX-Balance {$8300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had a business XXXX card with Bank of America for over 20 years. Starting last XXXX of 2021, I had reported a fraudulent billing of " XXXX SEASON PASS '' with the billing from XXXX XXXX. My card was cancelled and I was issued a new card. This required me to contact some XXXX of my vendors who bill my card monthly for services such as XXXX, my dental labs/suppliers/water/software, etc. I provided the new card data and apologized for the late/inconvenient payments that resulted. The charges were indeed found to be fraudulent and I was refunded the money to my account. These charges kept re occurring each month, in different amounts, from the same source to each of my new card for some XXXX more months. B of A software pulled these charges as '' denied '' as their software Identified it as bogus, however each time I had to notify them to confirm the fraudulent charges and they insisted on issuing me a new card each time. I had to notify/apologize to my XXXX vendors each time. This went on for XXXX consecutive months. Numerous phone calls and hours of my time on hold, being transferred and such wasted some XXXX hours of my time in this matter. When asked why this keeps happening, I was told it was a communication problem on their end with the vendor. Exasperated, I quit using the card and began a number of phone calls to ask how my private information ( new card number ) was given to this new vendor to bill to without my permission. I have never done business with this vendor yet they are given access to my new card, resulting in another cancellation, new card and problems with my vendors which reflects negatively to me and my business. Promises to have some one research my complaint file # XXXX have gone un-fulfilled. I have made over a dozen calls to provided numbers and names with no call back connection. I have reached a dead end as the company is now basically non responsive.

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 monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
On XX/XX/21, I received a package from USPS. It was addressed to me from TD Bank. It appeared to be checks, which I knew was suspicion as I do not have a TD Bank account.

I opened the package and confirmed that it contained checks with my name and address but not my phone number.

I immediately called TD Bank, explained that I received checks from them but didn't bank with them, and advised that the checks had my information but a suspicious phone number. I was transferred to their fraud department. The rep in the fraud department made a notation in the system, closed the account in my name and directed me to contact FTC, SSA and the 3 major credit bureaus. 

I made no further inquiries about the account at TD Bank as I didn't open it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.

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 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I have paid off the loan ( principle and interest ) and contested the late charges, NSF fees and repo charge which are due by XXXX XXXX. The company has refused to reduce or remove the remaining balance.

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 2021-11-12 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: TX

Complaint narrative:
RESPONSE TO OPEN COMPLAINT # XXXX. 

ProCollect lied in their response to CFPB. 

Today, XX/XX/2021, they left another voicemail, one more in a long series of phone calls and voicemails. In the voicemail, they stated the following : " This is a personal business alert for XXXX XXXX. If you are not XXXX XXXX, please hang up at this time. This message contains private information and should not be played in a manner which can be heard by others. This call is from ProCollect. This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. Please call XXXX. '' I conducted a search on the company and the phone number and discovered that there are many complaints which have been lodged against it for making fraudulent phone calls, leaving no information other than those similar to the statement above.

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 2021-11-12 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: CA

Complaint narrative:
I have requested again a validation of an item being reported by Equifax, XXXX XXXX XXXX XXXX. I contacted and have received a response from XXXX XXXX XXXX XXXX that clearly violates my rights according to HIPAA. XXXX XXXX XXXX XXXX did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ). I advised Equifax that by providing such information they are also in violation of the HIPAA Privacy Rule. I have requested that Equifax to forward to me a copy of my HIPPA Release Form and still have not received a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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 received a report from Equifax about information being deleted. 
The inquires are still on my report and no one will remove them I have a letter received from them twice about removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: ID

Complaint narrative:
Received phone call at my personal cell phone number, saying the call was for me, and it was to resolve the debt of a third party and they needed my help getting in touch with the third party. I attempted to contact them to tell them not to contact me again but received no response and blocked the number.

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 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NM

Complaint narrative:
CASE # XXXX In late XX/XX/2021 we had a cyber security breach on our home desktop/laptop. We contacted our bank BBVA within ~ one hour and went to them when they opened the next morning to explain what happened. We closed all accounts at that time and received courtesy checks. Within a month the breach had been resolved, that is, all new accounts for checking, money market ( MM ), credit card, a new modem and even a new desktop computer that had been thoroughly vetted by the XXXX XXXX at XXXX XXXX. At the initial encounter with BBVA after the security breach, we put a hold on our Money Market account allowing money to be deposited but none to be withdrawn. 
On XX/XX/XXXX I tried to transfer money from our Money Market account to checking but was unable. On Friday XX/XX/XXXX I went to BBVA to inquire and the representative stated that our account was on hold at which time and I asked her to remove it but she could not ( I had forgotten to tell BBVA to release the hold ). The BBVA representative also tried to transfer funds from our MM account to checking, but was unable. Additional inquiries were made by the representative who stated that because PNC Bank was now the new owner as of XX/XX/XXXX, the account could not be released. She made additional calls and stated the hold would be released within 24-48 hours. After 6 business days ( XXXX ) I finally received an e-mail from PNC Retail Support which I responded to and on XXXX I called and also sent an e-mail to the PNC rep who sent me an e-mail but there was no response. Another PNC rep told me she sent a message to the rep handling the case, which needed to be further reviewed ; the Branch Mgr. at the PNC branch I do my banking also escalated the incident to PNC to no avail. It has now been 11 business days and after numerous contacts, escalations, and statements that the hold still had to be investigated, nothing has been done. This is totally unacceptable and I am truly livid. I put the hold on the account and I expect that when I request it being released it is done within a very timely fashion and not told there has been no investigation 11 business days later and the hold still on. If this were happening to you and your money I am sure you would be every bit as angry as I am. I don't know what kind of incompetent charlatans PNC hires but their lack of action and incessant escalations is disgraceful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Credit card company report of non payment to credit bureau due on XX/XX/2021 to drop 75 credit score points when in fact the account was so current there were new balance of {$0.00} and minimum payment of {$0.00} on XX/XX/2021 statement. I have called customer service and they admitted it was an error. To resolve this they can not do anything but ask me to file a complaint

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 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been violated by XXXX XXXX XXXX on XX/XX/2021. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. XXXX  is now negligent in failing to comply with the U.S. Codes of Law.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry 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 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my credit report with all three ( 3 ) bureaus ( XXXX, TransUnion and XXXX ). There is a public record listed on all three for a bankruptcy. I disputed this incorrect information with all three bureaus and received a response stating the information obtain in my credit report was " verified as accurate. '' I contacted the bureaus to ask how this information was verified ; however, I have not received a response to that question. I mailed a letter to the court listed in my file and received a response from the United States Bankruptcy Court stating they do not report information to or remove information from the credit bureaus. In addition, I also contacted XXXX XXXX a third party agency and they indicate a freeze has been on my account since XX/XX/XXXX, XXXX.How was this information obtained and who verified this inaccurate information since the US Bankruptcy Court state they do not report anything to the credit bureaus. The US Bankruptcy Court is the only entity that can verify if this information is true and correct, and they state they do not provide information. I have made several calls and written letters disputing this public record and I am frustrated as I am getting no where.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my credit report with all three ( 3 ) bureaus ( XXXX, XXXX and Equifax ). There is a public record listed on all three for a bankruptcy. I disputed this incorrect information with all three bureaus and received a response stating the information obtain in my credit report was " verified as accurate. '' I contacted the bureaus to ask how this information was verified ; however, I have not received a response to that question. I mailed a letter to the court listed in my file and received a response from the United States Bankruptcy Court stating they do not report information to or remove information from the credit bureaus. In addition, I also contacted XXXX XXXX a third party agency and they indicate a freeze has been on my account since XX/XX/XXXX, XXXX.How was this information obtained and who verified this inaccurate information since the US Bankruptcy Court state they do not report anything to the credit bureaus. The US Bankruptcy Court is the only entity that can verify if this information is true and correct, and they state they do not provide information. I have made several calls and written letters disputing this public record and I am frustrated as I am getting no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I reviewed my credit report with Lexis Nexis. There is a public record listed on for a bankruptcy. I disputed this incorrect information and received a response stating the information obtain in my credit report was " verified as accurate. '' I contacted them to ask how this information was verified ; however, I have not received a response to that question. I mailed a letter to the court listed in my file and received a response from the United States Bankruptcy Court stating they do not report information to or remove information from the credit bureaus. In addition, my account with Lexis Nexis has a freeze placed on my account since XX/XX/2019. How was this information obtained and who verified this inaccurate information since the US Bankruptcy Court state they do not report anything to the credit bureaus. The US Bankruptcy Court is the only entity that can verify if this information is true and correct, and they state they do not provide information. I have made several calls and written letters disputing this public record and I am frustrated as I am getting nowhere.

Company response to consumer: Closed with explanation