vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian and XXXX report my XXXX XXXX XXXX credit card two times. 1-as " lost or stolen ''. 2. as paid on time satisfactorily. The " lost or stolen '' is also reported as Derogatory Information by Experian. 
On XXXX/XXXX/15 I phoned XXXX XXXX XXXX to voluntarily cancel my cc because I had n't used it for a long time. I got caught in a telephone loop and finally yelled " LOST CARD '' hoping to speak with a live rep. The loop continued to say that I would be sent a replacement card. I hung up and immediately phoned again. After another 15 minutes of telephone loop I somehow finally got a real live rep. Told her that I had just previously reported my card as " lost '' hoping to get a rep. That the card was in my hands and NOT lost. Told her not to send a replacement card and that I was voluntarily canceling the card. She corrected their records to reflect a voluntary cancellation and not a lost/stolen card. The above XXXX credit report agencies are still double reporting this card as mentioned above. They should correct their records and report the card only one time ( not two times ) as closed per customer request and delete any and all references to lost/stolen. Likewise, if appropriate, recalculate my credit score if appropriate. 
Thank you so much for your assistance now and in the past. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Applied for credit, discovered my report is merged, only through Experian, with another persons. Placed a 90 day credit alert through XXXX to be safe. Recieved a letter from Experian stating they can not honor my request. Called and was told I would be transferred to a department that would fix the issue - was an automated line with no help. Called, communicated the issue, was told 3-5 business days it would be fixed. Received a letter stating an inability to honor my request. Was contacted by the individual my report was merged with informing me our reports are still merged and that they received my personal credit information along with theirs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a medical account from an ER visit. I am covered under the VA but the VA never paid, but I did not find out until I was checking my credit report. I paid it immediately with the intention of having the VA reimburse me. The collection company, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , PA told me they would remove the submission to ALL credit bureaus on XXXX/XXXX/2015. They also send me a letter to confirm that this was paid in full. But Experian keeps reinserting it and I have sent them proof. I call XXXX XXXX and they tell me that they have removed it from all XXXX bureaus, I call Experian and they say no that they keep receiving it for submission. I WANT IT REMOVED, IT IS PAID IN FULL!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has cross filed another persons credit history with mine. They make it very difficult to contact them to dispute and obtain resolution of the issue. I have tried to call several times and their online dispute system will not accept the information I am attempting to dispute. I have since written a letter to Experian with no response received yet. 

I am XXXX XXXX XXXX born XXXX XXXX, XXXX. Experian has my correct credit history information combined with a XXXX XXXX XXXX born XXXX XXXX, XXXX. I do not know this person nor do I have any affiliation with them. I was born XXXX XXXX XXXX and have formerly been XXXX, XXXX and XXXX ; in that order. 

Both XXXX and XXXX have not committed the same cross filing and my information seems to be correct on their reports. 

I would like for Experian to review my report and delete all inaccurate information immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been more than patient when dealing with the credit bureaus and their so called investigations. I have requested that documents showing that these below accounts are mine - and who they have spoken to regarding proof that each XXXX of these accounts are mine. My efforts have been ignored and I would like it resolved immediately

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 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
As of Tuesday, XX/XX/2017, EXPERIAN is still knowingly and illegally reporting a debt of {$640.00} to XXXX for XXXX XXXX LLC. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX 

I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$640.00} ) that is : ( XXXX ) paid/settled ( XXXX ) old, obsolete and out-of-date ( XXXX ) over the Statue of Limitations ( XXXX ) time-barred ( XXXX ) used to intimidate ( XXXX ) purposely omitted date ( s ), time, purchases and amounts.

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 2016-03-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Audit & Adjustment Co. Inc.
State: TX

Complaint narrative:
I have been trying for over a year to get this account off my credit file and I have been unsuccessful. This account is not mine and it has been removed from my credit file at XXXX of the XXXX agencies but it remains on the 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 2016-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
My previous dispute of a XXXX XXXX XXXX account stated that my first default was in XXXX. The credit bureaus did their best obtaining information from the creditor, but not the creditor shows the first late XXXX XXXX. As we are now in the 7-year rule timeline I will accept the reading on my credit reports. AS the law stipulates with the Fair Credit Reporting Act, the legal timeline as to the presence of the account has passed. The account must be deleted immediately, and my file information must be purged permanently.

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 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern ; As of yesterday ( XXXX XXXX & today XXXX XXXX, XXXX ), I was notified via my Experian credit monitoring that ( XXXX ) inquiries were pulled against my credit report. The following are the companies that pulled them ; XXXX - XXXX XXXX, XXXX - XXXX XXXX - XXXX XXXX, XXXX - XXXX ( Credit card ) First off, I have called and spoken with both vendor 's concerning these inquiries. With regard to XXXX, I spoke with ( 3 ) different people in different departments and the common theme of all of them was that they do not see that an inquiry was pulled. They did confirm that a soft inquiry was pulled yesterday XXXX XXXX, but stated they were " positive '' that a hard inquiry was not requested. This is obviously a fraudulent inquiry to which I want disputed as such. 

With regard to XXXX, they stated that they can not remove the inquiry because it was initiated online. I was told by their department that if it was done over the phone versus online, that they could have removed it accordingly. This of course makes no sense to me. I would in turn like to dispute this as a fraudulent inquiry as well. 

To say that I have had a lot of difficulties with XXXX over the past month is an understatement to the degree that as of this morning I also filed a CFPB complaint against them for the number of inquiries and the apparent fraudulent activity on my account. 

Please feel free to contact me with any questions or concerns or if there is anything that I can do to better help expedite my request. I can be reached at XXXX absolutely anytime. 

regards, XXXX XXXX XXXX Credit file # : XXXX DOB : XXXX/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 non-monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Quality Recovery Services, Inc.
State: OH

Complaint narrative:
I rented an Apartment from The XXXX. 
The debt with this company was settled in Bankruptcy case # XXXX. 
The account was disputed and removed from my credit report. 
Now another debt collection agency has reopened the account and put the balance on my credit as past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I had service with XXXX. Contacted XXXX before I went on cruise and was assured that I will not be charged extra charges for my phone service. I came back off cruise and receive a phone bill for XXXX for charges XXXX claim came from XXXX cell towers. XXXX XXXX the charges were billed to my sprint account from carnival. No where in my contract about third party billing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI

Complaint narrative:
I asked the USAA rewards XXXX XXXX XXXX to lower my interest rate from 17.9 % to something lower. To my surprise they told me that thanks to President Obama 's new credit card rules that they COULD NO LONGER LOWER ANY INTEREST ( APR ) on any existing cards. I find that hard to believe. I checked with my banking institution and they were not aware of this. USAA is telling their customers that the law prohibits the reducing of APR on any active credit card. Is this the truth, I really doubt it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
There has been fraudulant activity on my account. I have made contact with the bank and they are not trying to help me in any way. They told me that I am participating in some sort of scam so there is nothing they can do to help me. This is the second time in the past 30 days that something like this has happened. The first time, they claimed they looked into it and found nothing wrong but did reverse my funds. Now, this has happened again and they are not willing to help me at all. There was over {$4000.00} deposited into my account not by me and I do n't know who by and then it was taken right back out at a local ATM with the funds that I had in there. USAA claims that this was me and that everything I am telling them is a lie. This is absolutely not me and I have no knowledge of who it is and what bank would allow a withdraw for over $ XXXX at an ATM? I need this issue investigated and I want my funds back that someone has taken from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY

Complaint narrative:
On XXXX/XXXX/2016 I noticed that there was a collection of debt posted on my credit report ( XXXX ) reported by American Medical Collection Agency,XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX as on XXXX. I did not receive any kind of notice for this debt collection agency.Upon calling the collection agency at XXXX and checking about this, they agreed and confirmed that they had a bad address on file and the status of the notice sent was " undeliveable/not delivered ''. Since this was a mistake on the agency side I requested them to report removal of this collection debt to the credit bureaus, which they initially disagreed to do so. Meanwhile I had applied for an Auto loan/lease on XXXX/XXXX/XXXX which did n't get approved initially as I didnt have the Credit score that are they looking for. I had to provide additional documentation references etc to support the credit application but still my rate of interest went up. I could n't get the price that was initially agreed upon just because of my credit score which was affected badly by the reporting of American Medical Collection Agency. After repeated calls and I informed them that I will initiate a legal action for no-notice and reporting by which creating negative impacts on my credit score and history. Then they agreed and accepted to remove it so that they dont face a legal action. On XXXX/XXXX/2016 they agreed to me to provide a documentation stating the reason for the removal of this debt collection from my credit report, which is being denied now. Because of all these troubles, confusions and issues, I got hit XXXX points on my credit report XXXX XXXX to XXXX XXXX which caused a loss of more than {$1000.00} in the pricing of the deal, additional documentation, time and immense XXXX. So I request the Consumer Financial Protection Bureau to take action against this agency and direct them to provide the information and documentation i.e reason for removal of debt collection which I requested as I stated earlier. Also direct them to compensate my loss appropriately which was caused by their mistake of no-notice and having a bad address. Also I have attached the copy of Credit report stating the removal of the Debt Collection record by American Medical 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 2016-12-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NC

Complaint narrative:
I have no knowledge of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
They calling my house and asking to speak to my daughter, when they are told she does n't live here they tell me that I am lying and they will continue to call me XXXX Times a day if they want to, they wo n't give me thier address so I can send a cease and desist letter so I told them to cease and desist calling but they continue to call the name of the company is security credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation
State: PA

Complaint narrative:
My corp chain # XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Pa XXXX Business Name : XXXX I was charged {$75.00} to remove a feature offered by XXXX XXXX when using their " quick shopping cart '' product. 

The feature is on the " Set Up '' tab, " Operations '', " Payment Options '' tab on the XXXX XXXX Website. As a merchant, you must select this " credit card ( Recommended ) '' option, in order to get customers who would like to pay with credit cards. This is a {$10.00} a month charge from XXXX XXXX which is managed by First Data ( known as " XXXX '' ). 

I switch products with XXXX XXXX by removing the " quick shopping cart '' product and added the " online shopping store ''. With the online shopping store you no longer need the feature " credit card managed by first data '' because now it 's all included for free in the " Online shopping '' product that XXXX offers. 

When I enrolled with the " Quick Shopping Cart '' I never received information on a fee would be charged if I cancelled. I was also not aware that I would be put on a contract for 3 years until XXXX 2018. I clicked the green check marked within the XXXX site and then received a call from First Data on how to put a code into the website in order to start receiving customer credit card statements. 

I am disputing this because I never received paperwork that a cancellation fee of {$75.00} would be charged, therefore I should receive my {$75.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: First Data Corporation
State: IL

Complaint narrative:
I use XXXX for credit card processing services. They separately contract materials such as the credit card terminal leases, etc., through the company First Data Global Leasing. Despite owning a terminal ( purchased in XXXX 2015 ) and upgraded for chip capability, First Data called stating I needed to lease yet another terminal. 

I trusted this and complied - signed a lease for the new terminal. About 2 months later, a rep for XXXX called and stated all was incorrect and after much wrangling with First Data managed to get the lease cancelled. She stated 'this happens all the time ' and that communication between the XXXX companies is 'not ideal '. 

However, the pymts made for the 'new ' terminal have not been refunded to me. I can not get through their phone system - always put on hold due to 'unusually high call volume. '

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Credit & Collection Corporation
State: OK

Complaint narrative:
Continual robo phone calls with a computer telling me this is an attempt to collect a debt. Then followed by a phone number XXXX. This number shows to be listed to XXXX. I have call the XXXX number to tell them to stop calling but its also answered by a recording that says by continuing I am providing my consent. I 'm not consenting to anything so I never get to talk to anyone. Global Credit and Collection Corp. Please make these people stop disturbing me in my home. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation
State: MA

Complaint narrative:
I received a rebate check in the mail from my payroll company ADP on behalf of my Health Insurance company, XXXX, for {$79.00} dated XXXX/XXXX/2014, this was money due to me under the MLR provision of the XXXX. I recently found the check and was going to cash it but noticed it said it expired in XXXX days so was no longer valid. I only found the check last week as it was stuck inside a flyer I rec 'd in the mail that I had set aside and just opened. Since ALL of my transactions with ADP ( who is the XXXX XXXX XXXX XXXX XXXX XXXX direct deposit, I do not normally receive checks from them. 

I called ADP to ask for a replacement check I could deposit and they said " No. '' that if I did n't cash it within XXXX days they were under no obligation to pay it. I asked them if this was legal and they said yes, it was entirely up to them whether they paid me or not and that by not cashing within XXXX days I was not entitled to the rebate. This does not seem right, nor legal. 

After all they owe me the money because I overpaid them under a provision of the XXXX regarding MLR, so I do n't understand how they can now legally claim they are under no obligation to rebate me the money. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: OR

Complaint narrative:
The statement has a Total affiliated with only XXXX license plate number. 
Actually there are XXXX license plate numbers shown in the Tag No. column. Also, the Total is {$10.00} more than the sum of the amounts shown when adding up the Amount column. There is no explanation or category that explains the additional amount. They are also threatening me with immobilization and impoundment etc. This seems like harassment.

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