vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Certified Solutions, Inc
State: NJ

Complaint narrative:
This complaint arises out of billing for laboratory charges associated with a medical consultation. There are 2 issues to be dealt with, one of which is with the collection agency and one is with the provider. 

Debt collector issues The issue with the debt collector is that the statutory notifications were omitted, in violation of 15 US Code 1692g ( 3 ), ( 4 ) and ( 5 ) 1. On XX/XX/2020, I received a letter from Certified Credit and Collection, XXXX XXXX  XXXX, XXXX XXXX, NJ XXXX , Street Address XXXX XXXX XXXX, XXXX, NJ XXXX XXXX. This letter violated 15 US Code 1692g ( 3 ), ( 4 ) and ( 5 ). It failed to contain the statutory notifications as follows : ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Creditor Issues At my insistence, I had a detailed discussion before any services were rendered. The discussion was with XXXX XXXX, XXXX XXXX Representative of the provider. This discussion covered co-pays, deductibles, balance billing and whether there would be any separate charges for laboratory services. I was explicitly assured that I would have no out-of-pocket liability other than the co-pay paid at the time of the services, and that this assurance included co-pays, deductibles, balance billing and any laboratory services which I was explicitly assured were " included ''. I promptly notified the provider of the history of these charges and when I received the erroneous bill, but no correction was made and collection activity continued

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: TX

Complaint narrative:
I have been a Victim of identity theft. 
I did not give Consent to open any accounts using My personal information. this is fraud I'm upset about the situation.

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 2020-04-22 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't 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 2020-04-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: OK

Complaint narrative:
On XX/XX/2020, I filed for unemployment through XXXX. After countless hours over a course of several days being in touch with XXXX, I was approved for unemployment benefits and they said I would be receiving a prepaid MasterCard  through Way2Go. For unemployment benefits, the Way2Go card can take anywhere from 7-10 business days to arrive. On XX/XX/2020, I received an e-mail stating my prepaid card had been shipped. Although, technically it should have shipped weeks before this. I have not had any updates since then. I spent XX/XX/2020 trying to get in touch with customer service on the whereabouts of my card. Also trying an array of ways to get in contact with them. I've spent well over 15 hours on wait time with no answers, the call has been disconnected, or have not gotten any answers as to where my card is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't 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 2020-04-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't 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 2020-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
The below complaint was submitted prior, a rep by the name of XXXX XXXX with Wells Fargo replied stating the ODCR EO, ( Overdraft Deposit Collections Recovery Executive Office ), has made several efforts to resolve my concerns and exhausted all resources.. I will again assure the CFPB this reply is first off, a form reply. Second, it is a lie as there were no such efforts and or attempts to resolve concerns/issues brought forth. Wells Fargo has tried and failed to use this general form reply numerous times in the past and has worn it out ... If there were such attempts they would be detailed and would include calls, emails, or other attempts reaching out which there aren't any. Please see complaint below.. 
Numerous CFPB complaints have been submitted prior against Wells Fargo in regard to unauthorized checking and savings accounts opened in my name by Wells Fargo reps in the past, as late as 2104.. Wells Fargo reps reply to CFPB stating in part ... " Numerous attempts at resolution made, exhausted all efforts '', which I can assure the CFPB and any other third party is a lie.. A XXXX XXXX replied to last complaint,  this is the fifth rep to use such bogus reply as detailed earlier ... If anyone at Wells Fargo has made any such resolution attempts, they would be detailed and would include reaching out by Phone, email, mail..etc ... There were no such attempts, this is a general form reply Wells Fargo reps use and is blatantly obvious.. Complaints were filed in regard to fees charged to unauthrorized accounts, specifically overdraft fees. Wells Fargo has replied in part by sending me mediation request forms, a total of five of these such forms have been filled out, mailed in. XXXX XXXX with mediation at Wells Fargo contacted in me XXXX, offered a settlement amount of {$3700.00} which was accepted.. A check was sent in that amount including estimated income tax to IRS, a total of {$5100.00}, which was intercepted by another party and cashed in my name. I've been working with a XXXX XXXX, a supervisor with mediation, he is looking into fraud check and he was provided info as of XX/XX/XXXXwhich was provided by myself from an XXXX in fraud investigation ... I was told by XXXX the funds from check were returned on XXXX I believe to the account issued from with Wells Fargo.. I relayed this info to XXXX on XX/XX/, do not have any confirmation check is or will be reissued as of yet..

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 2020-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 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: MO

Complaint narrative:
I have disputed the following accounts with Experian informing them that these are fraudulent accounts but they continue to remain on my credit report. I have previously sent a police report, ID, social security card & identity theft report. I keep telling them that I have never had any Dept of Educcation/XXXX   accounts that I have opened or gave anybody permission to open anything in may name. I am asking that these accounts be deleted and blocked from returning.

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 2020-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX VA XXXX Attorney for the plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX CASE NO XXXX XXXX XXXX XXXX account opened in XX/XX/XXXX CLOSED XX/XX/XXXX DUE TO FRAUD Balance owed was {$0.00} on XXXX XXXX Any fraudulent charges after XX/XX/XXXX I AM NOT RESPONSIBLE! 

Dispute filed with XXXX on XX/XX/XXXX File Number XXXX Still under review by XXXX   Many of the XXXX accounts were hacked in XXXX - security breach This is NOT my account you are trying to COLLECT. 
DO NOT CONTACT ME ANYMORE in writing or nasty calls to my wife number until this is being investigated REMOVE FROM MY CREDIT REPORTS! 
Company filed complaint with the XXXX COUNTY COURTS CASE NO XXXX XXXX BALANCE OWNED XXXX DOLLARS NOT OWED STOP HARASSING ME AND MY FAMILY ORIGINAL CREDIT REPORT WILL BE PROVIDED UPON REQUEST!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONEMAIN FINANCE CORPORATION
State: MN

Complaint narrative:
I received a 1099 from One Main concerning a debt from 2002, ( 18 years ago ) XX/XX/2002 for {$14000.00}, which they indicated on a 1099. I filed a complaint with the Minnesota Attorney General, they stated they will look into it but referred me to the www.occ.gov. The company is One Main Mortgage Services, Inc. XXXX XXXX XXXX XXXX, XXXX, IN XXXX, XXXX ( At the bottom of the 1099 it says XXXX SCR XXXX, DOL XX/XX/2002, XXXX XXXX, CREDITORS TIN XXXX. I have not taken out any mortgages through this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: TX

Complaint narrative:
I have been a Victim of identity theft. 
I did not give Consent to open any accounts using My personal information. this is fraud I'm upset about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been a Victim of identity theft. 
I did not give Consent to open any accounts using My personal information. this is fraud I'm upset about the situation.

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 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Skrill USA, Inc.
State: WV

Complaint narrative:
I wanted to add money to a third party paycard named Skrill. They assured me that once I submitted proper documentation such as my state ID and a face identification photo that the money would transfer from my prepaid XXXX  XXXX XXXX Visa debit card to the newly made account that I made at XXXX on XX/XX/2020. The charge was made and is now pending but the actual account through Skrill does not say I have any cash on it. Please investigate the Skrill company. My account was at a balance of {$420.00} cents and now at {$360.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: CA

Complaint narrative:
I had a credit card through XXXX XXXX XXXX, that went delinquent in XXXX of XXXX. In XXXX of XXXX, it was charged off. 

However, on my Experian credit report - XXXX XXXX XXXX  is providing wrong information. They are reporting that the Date of First Delinquency was on XX/XX/XXXX. That is incorrect! The last time I ever paid was in XX/XX/XXXX. It was charged off in XX/XX/XXXX after being more then 120 days late. 

Because of the INACCURATE information reported by XXXX XXXX XXXX, Experian is not able to remove my negative credit history, even though it has been more then 7.5 years. 

I have tried to dispute this information with Experian multiple times, but they are saying that XXXX XXXX XXXX  is reporting the above INACCURATE information. 

I have tried to contact XXXX XXXX XXXX, however they simply do not pick up the phones.

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 2020-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: CA

Complaint narrative:
They repeated call stating that they are collecting a debt which frankly I do not have or owe anyone- not even credit card! never gone into collection! They call everyday at all odd hours.

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 2020-04-22 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: MO

Complaint narrative:
There are several accounts that have been fraudulently opened in my name. The following accounts XXXX XXXX, and all the accounts listed as Dept of Education/XXXX. These accounts do not belong to me & I didn't give anyone permission to open them in my name. I have been a victim of identity theft and I have explained that the Equifax without any assistance. I have send the documents that they requested, a police report, ID, identity theft report but they still report these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SLM CORPORATION
State: MS

Complaint narrative:
I talked to someone with Sallie Mae and it was agreed that I would pay {$3900.00} on a student loan and then be released from the balance. I was a co-signer. The payments would be XXXX in XXXX, and payments of XXXX for the following 5 months. When I called in to make the payment first payment, the employee too the full amount ( XXXX ) all at once from my account instead of the agreed amount. When I tried to call them, they refused to let me speak with the person that did this, they didn't apologize, or anything. I have a written letter showing the agreed upon payments, and for him to do this is wrong. I want this person reprimanded at the least, but would prefer to see him fired so he can't lie to other people. His name is XXXX XXXX Employee XXXX    XXXX extension XXXX for number XXXX in Delaware. This department went out of their way to make excuses and not help me with this situation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 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: NAVY FEDERAL CREDIT UNION
State: NY

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't 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 2020-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am on an Income Driven Repayment Plan with XXXX dollar payments every month but my credit report still shows that I have monthly payments and that's not the case.

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 2020-04-22 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: TX

Complaint narrative:
I am on an Income Driven Repayment Plan with XXXX dollar payments every month but my credit report still shows that I have monthly payments and that's not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: TX

Complaint narrative:
I am on an Income Driven Repayment Plan with XXXX dollar payments every month but my credit report still shows that I have monthly payments and that's not the case.

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 2020-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I received a letter on my apartment door that I would need to vacate apartment by XXXX the XXXX or face eviction. I moved out of XXXX XXXX XXXX  XXXX XXXX 2019. 

I emailed, and called XXXX XXXX to let them know I would be leaving on XXXX the XXXX. 

I talked to the apartment complex manager XXXX XXXX who assured me I owed nothing. And I could leave before XXXX, XXXX. They just wanted me gone before above date. 

I received a letter from hunters warfield explaining I owed their client XXXX on XXXX, XXXX. I was shocked. 

I asked for validation of debt .I received a reply back. I was mailed a document saying I owed XXXX rent. And that XXXX XXXX   reimbursed the apartment complex for part. Hunter warfield says amount I still owed is XXXX I owe nothing to anyone. I payed last month rent in XXXX XXXX. Ive showed Hunter warfield email to XXXX XXXX stating I would be leaving in XXXX XX/XX/2019 I showed them payment on XXXX. 

From this point Ive been getting the run around. Hunter warfield says contact XXXX XXXX. XXXX XXXX says I have contact apartment complex. They however do not pick up ( try for yourself to see if you can reach XXXX XXXX  and someone actually pics up ) Ive however left messages with apartment. They will not call back. 

Ive disputed debt with XXXX. Hunter warfield told them I still owed debt. It is on my credit report. 

I refuse to pay a debt that I did not make. This is very disheartening that one can be lied on. Your credit score, your credit reputation destroyed over a lie.

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 2020-04-22 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: Nelnet, Inc.
State: TX

Complaint narrative:
I am on an Income Driven Repayment Plan with XXXX dollar payments every month but my credit report still shows that I have monthly payments and that's not the case.

Company response to consumer: Closed with explanation