vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
In XXXX I was involved in a financial crisis not of my own making. I contacted Bank of America to discuss what repayment options I had available to me in order to save this account ( {$500.00} limit ). The customer service representative informed me that they would be able to suspend my account and I would be responsible for making {$50.00} a month payments for a period of 12 months, after which I would be responsible for any balance above the credit limit and my account would be reviewed for reactivation. This was in XXXX of XXXX. The payments were made automatically every month with the final payment coming out of my account on XX/XX/XXXX of this year ( XXXX ) .Upon contacting Bank of America to conclude the arrangement, I discovered that my account was closed in XXXX of XXXX yet was continuously charged interest and late fees. According to BoA, these fees made my XXXX monthly payment insufficient and the account was charged off as of XXXX XXXX. The incomplete information given me led me to believe that I was doing all the right things to save this account and my credit. I paid XXXX on a maxed XXXX credit limit and they report a balance of XXXX owed as of XX/XX/XXXX. Taking into account late fees accrued between XX/XX/XXXX and XX/XX/XXXX does not explain what has occurred here. Should I have been told the truth, I would have adjusted my payments accordingly. The saddest part was that this was the only credit card I tried to save after my financial debacle.

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 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: New Era Asset Management, LLC
State: KY

Complaint narrative:
New Era Asset Management called family members and friends and left voice mails on XX/XX/2020 XXXX EST about my situations. Beside by being harassed and intimidation by this company they are now the embarrassment from them telling family and friends is unacceptable. Some how this company has access numbers illegally of family and friends that I have not gave out and they have called. 

They also used these tactics earlier in the year also and I left a message not to call the other numbers they used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-03-10 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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Systems, Inc
State: IL

Complaint narrative:
I checked my credit report with XXXX  and noticed that there is a debt collector by the name of American Credit Systems on it listing a fraudulent account that I did not authorize. The company claiming that I owe them money for services is a fraud and take advantage of people claiming to help them with their tax debt by telling them that they owe more than what they do. I was told by the company that I owed far more money than what was owed in regards to my taxes. I called that Illinois department of revenue to confirm only to find that XXXX XXXX XXXX XXXX  was attempting to commit a crime against me for embezzling money for their own motive. I have filed a police report in regards to this matter. This is not my account and I never agreed on anything for them to help me. They have forged my information. This is illegal per the Fair Credit Reporting Act. I was not informed of such allegation and it must be removed alongside of my attorney moving forward to file charges against all parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: TX

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Midland Funding LLC bought the debt from Original Lender 01XXXX XXXX, date reported XX/XX/XXXX Midland Funding Shows the account opened XX/XX/XXXX acually account was opened in XX/XX/XXXX. Midland Funding posted account 30days past due on XX/XX/XXXX followed by turning it over to collections on XX/XX/XXXX and posted on my credit report posting a derogatory statement on my credit profile. I filed a complaint stating I was incarcerated during the time midland funding shows account was opened XX/XX/XXXX and said I was disputing. Midland Funding address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX California.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 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: MD

Complaint narrative:
I cancel service with XXXX XXXX in XX/XX/XXXX. 
I should have received a refund for XX/XX/XXXX Service - Since monthly bills are paid one month in advance, and i paid my XX/XX/XXXX bill. 
Instead, they re-billed me for XXXX, and said i have a balance due of {$120.00}. 

They reported to the credit companies, and have damaged my credit. 
They re-reported it in 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 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
Original debt showed XXXX XXXX  for approximately XXXX dollars. Then sold to Resurgent/LVNV. I tried to dispute with no success so I settled with a party representing Resurgent/LVNV. I sent a copy of the Settlement Letter, Cashiers Check, and the Postal receipt showing it was delivered to Resurgent. They will not remove the debt out of Collections on my credit report and I received a letter from them saying the evidence was not sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: NY

Complaint narrative:
I have an item on my credit reports from a company called XXXX XXXX XXXX. 
It is a collections account on behalf of the City of  XXXX Fire Department. 
It is a medical bill for ambulance treatment and transport to the hospital for a medical emergency on XX/XX/XXXX. 
The account is on my report as being opened on XX/XX/XXXX. 
All 3 CRA 's agreed to a settlement with the CFPB and the NYAG which implemented a system wherein medical debt that was reported to the CRA 's with a delinquent date less than 180 days from the date of the report would be excluded from a consumer 's credit file. 

( It should be noted that I never received a copy of the original bill in the mail even though the paramedic and hospital that took my information was provided with my PO BOX . ) First, there was no due date on the bill received from the City of XXXXXXXX, so to my knowledge there is no date of initial delinquency. 
Second, assuming that the City of  XXXX considers the date of service to be the initial date of delinquency, then the first date that this item could have been reported to the CRA 's would have been XX/XX/XXXX. ( It is safe to assume that the date of service is NOT the same as the date of the first delinquency. ) This item should be removed from my credit files at all three CRA 's because it is for medical debt which was sent to collections and reported to my credit file less than 180 days from the date of first delinquency and because there could have BEEN no delinquency considering the initial bill has no due date for payment or even a request to pay immediately. 

I have included both a copy of the current CDIA guidelines which show at the bottom of page 2 the  current standard by which medical debt should be excluded : The CRAs will no longer include medical debts identified and furnished by collection agencies when the date of the first delinquency is less than 180 days before the day the account was reported to the CRAs. 


I have also included a copy of the bill that I finally received after disputing the account with XXXX 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 2020-03-10 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: NY

Complaint narrative:
I have an item on my credit reports from a company called XXXX XXXX XXXX. 
It is a collections account on behalf of the City of XXXX Fire Department. 
It is a medical bill for ambulance treatment and transport to the hospital for a medical emergency on XX/XX/XXXX. 
The account is on my report as being opened on XX/XX/XXXX. 
All 3 CRA 's agreed to a settlement with the CFPB and the NYAG which implemented a system wherein medical debt that was reported to the CRA 's with a delinquent date less than 180 days from the date of the report would be excluded from a consumer 's credit file. 

( It should be noted that I never received a copy of the original bill in the mail even though the paramedic and hospital that took my information was provided with my PO BOX . ) First, there was no due date on the bill received from the City of  XXXX, so to my knowledge there is no date of initial delinquency. 

Second, assuming that the City of  XXXX considers the date of service to be the initial date of delinquency, then the first date that this item could have been reported to the CRA 's would have been XX/XX/XXXX. ( It is safe to assume that the date of service is NOT the same as the date of the first delinquency. ) This item should be removed from my credit files at all three CRA 's because it is for medical debt which was sent to collections and reported to my credit file less than 180 days from the date of first delinquency and because there could have BEEN no delinquency considering the initial bill has no due date for payment or even a request to pay immediately. 

I have included both a copy of the current CDIA guidelines which show at the bottom of page 2 the  current standard by which medical debt should be excluded : The CRAs will no longer include medical debts identified and furnished by collection agencies when the date of the first delinquency is less than 180 days before the day the account was reported to the CRAs. 


I have also included a copy of the bill that I finally received after disputing the account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MRS BPO, LLC
State: CA

Complaint narrative:
MRS collections called me and asked for my father ( he is my co-signer ) and I stayed I am the primary and to deal with me. He asked if my dad received a fedex package from him and I said I dont know. I confirmed my ID and he proceeded to tell me I am in a very dangerous situation and I feel that this is deceptive as I am not being sued and the loan defaulted one month ago. Danger to me infers I am facing harm. I feel this is deceptive language. He calls my dad often and says the same thing. We do not have {$23000.00} to settle this and payments are not an option and at this point I dont think we are in danger and I need them to stop saying we are. They are trying to scare me and my dad. They told both me and him that they are dealing with him only and this is his problem now and they are not going to work with me at all. They refuse to discuss payments at all and use language that implies we are in danger.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Asset Management Group, Inc.
State: MO

Complaint narrative:
Received call from XXXX, per name was XXXX XXXX - Finance Arbitrator for Global Asset Management.. XXXX XXXX. She stated that they were in the process of submitting for garnishment and lawsuit. She would not provide the account number for the company they are collecting for, or an address for their company. She provided only the File number. for the company that this collection was for. She stated that this is for the company XXXX XXXX, for an old car repossession from 14 years ago. 

She stated that she could stop this from going forward and that a lawyer could not help us at this point. Only she could help. She offered and settlement of {$1000.00}, made in 3 payments of {$330.00}, or a one time payoff of {$650.00} that could be made by credit/debit card or pre-paid card only. She completely refused to provide any other information about the company or herself, but continued to threatened pursuit of garnishment, and it could only be stopped if I made a credit/debit card or pre-paid card payment immediately.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-10 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: TX

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-03-10 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: TX

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
Have written via experian and direct conversation that i do not owe anything for any of these services they refuse to remove it from my credit and have not provided me with an original contract or wet signature of why this debt is owed CALIFORNIA BUSINESS Contact XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, Transunion and XXXX  has been reporting incorrect information on my credit file that was involved in identity theft. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security 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 2020-03-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX  and Equifax has been reporting incorrect information on my credit file that was involved in identity theft. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
First off, this collection adds to my amount owed about every 2 weeks ... the original credit card debt was {$400.00} with that being the limit. This collection account is now over {$1000.00} from the original {$400.00}. I first attempted to go online to settle this debt online with LVNV. Online said accounts were not available. On XXXX XXXX, I emailed resurgent capital services who manages LVNVs accounts. I got a reply the next day stating that I am not eligible for a settlement at all. I was told to call XXXX to work out payments. I tried calling XXXX on XX/XX/2020 and they told me my file is not with an agency and they could not help me and to call resurgent back. I called resurgent back right after and they again said to call XXXX. I have just been getting the run-around and would like this debt settled/ off my credit and they have been denying me that. They were first on my list of 3 collections to take care of and I already had to skip them and within 30 mins I had the other two collections settled with XXXX XXXX  easily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just recently examined my credit report and I realized there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2020-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Credit Services, Inc.
State: FL

Complaint narrative:
I was placed under a Federal Rehabilitation Program for my outstanding student loans, which expired 2019. Once my program expired, I applied for a income based driven repayment program that was under review because I have sent all financial documents as requested, and was was waiting for a approval per their representatives. Unbeknownst to myself and my family, my 2019 income tax was taken without notice by the Federal Offset Unit. I attempted to contact the Collection Agency as instructed and was consistently misled about the process and not informed of my rights. Per the I.R.S I was supposed to received a notice of intent giving myself 65 days to make arrangements and avoid such actions ( paragraph 2 of page 1 attached ). I am left with very little options and feel as if my finances are being held hostage and being bullied as a consumer and graduate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation