vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
In 2015 I was going to a clinic for XXXX called XXXX XXXX XXXX XXXX XXXX XXXX, PA and they told me they accepted the insurance i had at that time. I believe the main office is located on XXXX XXXX XXXX in XXXX, PA XXXX. Soon after I started getting bills in the mail. So i talked to the reception lady up front and she told me it would be taken care of. I kept getting bills, so i questioned them again i was again told they would wipe the charges off my account since they wrongfully told me the insurance was being accepted. Soon after i quit going to the clinic. I now have 16 different accounts of {$240.00} that are in collections and is affecting my credit. I tried contacting the billing department for XXXX XXXX XXXX and there was no answer and nobody attempted to reach me back. I think this situation is completely wrong and I know of other patients that have ran into the same problem with the company. They are trying to charge me what my insurance should have paid but would not while telling me they were. I feel i was being told false information, I was told the problem was taken care of several times, and now it is affecting my credit and there is absolutely nothing i can do. The debt collection company doesnt want to hear anything about it and XXXX XXXX XXXX is such an unprofessional clinic it can not take care of a simple billing problem. The collections company is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have not received proper documentation with my signature on a contract that validates this credit collection that is showing on my account. The account is also showing as an open account and I have requested valid documentation with my signature on it that the account was opened by me. I am requesting this information be immediately deleted from my credit report. 
PORTFOLIO RECOV ASSOC XXXX XXXX XXXX   XXXX XXXX. 

XX/XX/2015 {$490.00} {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Transunion, I am requesting the removal of this bankruptcy ( below ) on my Transunion credit report due to XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX., v. XXXX XXXX XXXX XXXX XXXX, I did not know the source of their information on the Bankruptcy and due to this, Transunion has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy ASAP. 

Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that this Bankruptcy listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.

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 2018-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
I have been a Victim of Identity Theft for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information. 


Federal Trade Commission # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I have not received proper documentation with my signature on a contract that validates this credit collection that is showing on my account. The account is also showing as an open account and I have requested valid documentation with my signature on it that the account was opened by me. I am requesting this information be immediately deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/2015 {$490.00} {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: NY

Complaint narrative:
I have contacted XXXX, XXXX and Equifax to file disputes on fraudulent activities, wrong personal information about me such as my name address information and other eronious items listed on my credit reports, that didn't belong to me, the latest dispute I filed with the credit bureaus were in XX/XX/XXXX, I disputed that there were innacuracies in the amount that was reported that I owe on my report for example one creditor by the name of XXXX XXXX   said that I had a {$300.00} credit limit with them but are reporting on my credit report that I owe them close to {$500.00} which is fraud plus they are the company that kept a {$90.00} security deposit from me and never gave it back but neither have they credited it back to me as a check but they kept it and have not account ex for it, this accounts is being fraudulently reported on my credit report, there are two auto loans that have been paid off in full and on time, listed as open and never late on my credit report, but the credit bureau is falsely claiming that there was a late payment and even though I spoke to the car company and they assured me that they did not report it as late and that it was the credit bureau, but when I disputed it through the credit bureaus they refused to delete it and will not remove it from my report, they're are names of Creditors that I do not recognize or I have never dealt with on my credit report such as XXXX XXXX  XXXX, they even have XXXX an car insurance provider on my credit report which I have already disputed numerous times but the credit reporting agencies still have these items listed on my credit report fraudulently, my latest dispute that I filed was in XX/XX/XXXX, and still no remedy. I am asking for help because my credit has been destroyed by thee credit bureaus and are causing me not to be able to obtain auto loans, mortgage for housing, and rejection from credit card companies etc, this is unfair and I want justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have contacted Experian, XXXX and XXXX  to file disputes on fraudulent activities, wrong personal information about me such as my name address information and other eronious items listed on my credit reports, that didn't belong to me, the latest dispute I filed with the credit bureaus were in XX/XX/XXXX, I disputed that there were innacuracies in the amount that was reported that I owe on my report for example one creditor by the name of XXXX XXXX   said that I had a {$300.00} credit limit with them but are reporting on my credit report that I owe them close to {$500.00} which is fraud plus they are the company that kept a {$90.00} security deposit from me and never gave it back but neither have they credited it back to me as a check but they kept it and have not account ex for it, this accounts is being fraudulently reported on my credit report, there are two auto loans that have been paid off in full and on time, listed as open and never late on my credit report, but the credit bureau is falsely claiming that there was a late payment and even though I spoke to the car company and they assured me that they did not report it as late and that it was the credit bureau, but when I disputed it through the credit bureaus they refused to delete it and will not remove it from my report, they're are names of Creditors that I do not recognize or I have never dealt with on my credit report such as XXXX XXXX XXXX, they even have XXXX an car insurance provider on my credit report which I have already disputed numerous times but the credit reporting agencies still have these items listed on my credit report fraudulently, my latest dispute that I filed was in XX/XX/XXXX, and still no remedy. I am asking for help because my credit has been destroyed by thee credit bureaus and are causing me not to be able to obtain auto loans, mortgage for housing, and rejection from credit card companies etc, this is unfair and I want justice.

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 2018-03-24 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: MO

Complaint narrative:
I disputed a bankruptcy with Equifax requesting information on how they verify the information for a bankruptcy on my credit report. The investigation came back from a XXXX party vendor and not the original part which is required by the FDCPA this is a huge violation and not accurate. When requesting validation they are suppose to provide original documents from a unauthorized source that does not have authorization to provide any personal information. I have contacted the bankruptcy court that has sent me a email they do not report the credit bureaus. I am requesting this information deleted from my credit report immediately. I have no account with XXXX XXXX nor do they have any permission to verify any information that may pertain to me. Equifax can not verify accuracy from a 3rd party vendor .I demand this removed within 10 days of receive this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: GA

Complaint narrative:
Dear Equifax, I am requesting the removal of this bankruptcy ( below ) on my Equifax credit report due to Civil Case XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX., XXXX. XXXX XXXX XXXX XXXX XXXX, I did not know the source of their information on the Bankruptcy and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy ASAP. 

Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that this Bankruptcy listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I have been a Victim of Identity Theft for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information. 


Federal Trade Commission # 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 2018-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a student credit card line with Wells Fargo sometime in XX/XX/XXXX, someone who I was dating at the time knew someone who works at Wells Fargo I did not know until later on my ex had connection through one of the employee 's to see the statuses of my account and changed my password to access my online banking, he also changed my banking paper statements to paperless. It wasn't until a year later I learned my credit card has been max out, I requested a transcript of the spendings and only two transactions were made by me. I paid off the card, once I paid it off I closed all accounts. I still am in fear that the my ex boyfriend is still having access to my personal information by his friend/family who works at a Wells Fargo Branch. I do not feel safe banking with Wells Fargo reason why I closed my account, I also learned while going through court for a restraining order against him for a Domestic XXXX case that he has a criminal record for Identity Theft and XXXX XXXX XXXX XXXX. On XX/XX/XXXX I  received a letter from Wells Fargo not understanding why because I closed all accounts that a Deposit has been made recently on an account under my name. I do not know if this Deposit has been made on an account I had already closed or an account that has been opened under my name.

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 2018-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have three accounts on my experian report that are not mine 1 XXXX XXXX 2 XXXX XXXX 3 Bankruptcy

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 2018-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: OH

Complaint narrative:
While my wife was shopping at a XXXX store, a girl approached her asking if she had interest in applying for a XXXX rewards credit card. My wife does not handle the finances and has little interest in how credit works and what effects credit scores. From what the girl described to her, my wife thought that I would be interested in the card. My wife asked if she could have information mailed to me about the card to see if I were interested. The girls said yes and asked for my personal information. Without my wife 's knowledge, she was applying me for the card. Not simply sending me information. Now I have a credit card I didn't want and a credit inquiry on my report that I really didn't want. I contacted US Bank, and they said they can close the account, but had no way to get the inquiry off my credit report. This is unacceptable as I did not authorize this inquiry and the girl at the XXXX store was extremely misleading to my wife. This is extremely predatory behavior to consumers who do not fully understand how credit reporting works and how credit applications effect your credit report. We are in the process of a mortgage application to buy a new home and this inquiry in the middle of that is the last thing in needed. I don't see how US Bank can not simply file a report with the credit bureaus undoing the credit inquiry. This predatory practice of baiting consumers with promises of " discounts '' without explaining the credit application process and how it can effect a consumer 's credit is extremely immoral. The fact that it wasn't made perfectly clear to my wife that she was applying me for a credit card resulting in a hard inquiry should be illegal.

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 2018-03-24 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: LEXISNEXIS
State: MO

Complaint narrative:
I disputed a bankruptcy with XXXX  requesting information on how they verify the information for a bankruptcy on my credit report. The investigation came back from a 3rd party vendor and not the original part which is required by the FDCPA this is a huge violation and not accurate. When requesting validation they are suppose to provide original documents from a unauthorized source that does not have authorization to provide any personal information. I have contacted the bankruptcy court that has sent me a email they do not report the credit bureaus. I am requesting this information deleted from my credit report immediately. I have no account with Lexus Nexus nor do they have any permission to verify any information that may pertain to me. XXXX can not verify accuracy from a 3rd party vendor .I demand this removed within 10 days of receive this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: IN

Complaint narrative:
this old cable bill was settled with XXXX XXXX before it became XXXX was removed from credit report to reappear 1 year later

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This account is from Identity Theft, I have called Capital One many times to dispute it and also on my credit reports and they still don't fix it. I have provided all documents and have not got anything back from them. 

Federal Trade Commission # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
Not valid. I have asked them and written to them to cease and desist from any communication and or credit reporting and they have not. They are in violation of the FDCPA and demand that their negative credit reporting be removed

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 2018-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I purchased item on XXXX that has been scam. XXXX approved refund under number SR # XXXX. On XX/XX/XXXX XXXX. It is XXXX. 

Allegedly, they the paid money on XX/XX/XXXX but no refund has been ever received. I exchanged numerous emails with XXXX and paypal. XXXX gave paypal responsibility to return money although payment has been executed but debit card and paypal has not been involved originally. It looks like they have designed process so you exchange endless loop of emails but actually never have intention to pay. They constantly change what you should od and there is always some additional step to do. After some time they start to repeat.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
I had a XXXX account and moved to an area that didn't offer it. I closed the account and they falsely charged me an early termination fee of {$120.00}. Over the next year we spoke to more than 12 different representatives, all of whom told me it would be removed. In XX/XX/XXXX I received a collections letter from XXXX XXXX for this charge. I called & spoke with XXXX and XXXX ( employee ID XXXX ) apologized and issued a {$200.00} credit to our account. ( Confirmation number XXXX ) I sent the letter and confirmation of credit to the credit agency. On XX/XX/XXXX I  received a letter from Southwest Credit stating that their investigation confirmed that this amount was due. I called and spoke with supervisor, XXXX, who stated that they did not own the debt & that there was nothing they could do. This is false, as XXXX XXXX is the agency that reported this on my report. I then called XXXX and was informed that they had improperly applied the credit to my account AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
Receivables Perfom is currently reporting a paid Collection account on my most recent XXXX Credit Report. 

The debt was paid to the original creditor. It was not paid to third party. 
Written request for complete information concerning the debt have not been answered nor addressed as of today.

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 2018-03-24 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: NY

Complaint narrative:
Hi on my credit report there are information regarding my mortgage which is showing missing or late payments at that time i was going through loan modification, Now that was past, modification is done, but late payments are still showing on my credit report and its hurting me a lot and it keep me getting a car loan or anther credit card

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