vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
On XXXX of XXXX, I atarted to recieve notice from XXXX  that changes had been made to my credit report. I got in touch with Experion to find that there where two physian offices that had sent several bills to a credit agency for nonpayment ... I have never recieved these bills, and if I had recieved a bill I would of called to let them know that my visits should be paid Medicaid, wich I have had for the past 25 years.. When I went to my Drs appointment they took a copy of my insurance, and Driver License that had correct address on it. I am not just understanding why these bills where never sent to me ... I hve contacted the collection agency and they stated that they sent bills to an address that I have not lived at in 15 years ... I also tried to give them my medicaid information and he stated that it was to late to bill Medicaid due to some of the bills are several years old. i contacted Medicaid and they stated that they will only pay past due bills that are only 3months old no exception. Now i dont understand why would I be held responsible for these charges if they have a copy ofmy Medicaid card, drivers license, and complete address. if they did not except Medicaid why woould they see me? If for some reason they could not bill medicaid I should of been informed so I could of at least try to figure out the reason for nonpayment, wich doesnt make since to me due to I am 100 % covered through Medicaid. Below are the companies that are involved XXXX XXXX. XXXX  {$510.00} Collection opened XXXX balanced updated XXXX XXXX XXXX. XXXX  {$2000.00} Collection opened XXXX XXXX Balanced updated XXXX XXXX  XXXX.of XXXX Texas {$360.00} Collection opened XX/XX/XXXX Balance updated XX/XX/XXXX XXXX XXXX  XXXX  {$290.00} Collections opened XX/XX/XXXX Balanced updated XX/XX/XXXX All of these debts where placed on my vredit at the same time ... from years ago and I can prove I had Medicaid at these time and someond dropped the ball and did not bill Medicaid and didnot take the time to send the bill to me and the collection agency still has not sent me abill even after my phone call to them..They keep adding these depbts back on my account as if they are knewly opened accounts ... .so my credit rating is dropping. please help me fix this situation ... .The collection Agency is CREDIT SYSTEMS INT IN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
RCVL PER MMG is claiming that I owe them {$980.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I have a revolving XXXX account and had a monthly charge for a phone protection plan that was {$12.00}. In XXXX, XXXX, I purchased a new phone elsewhere and didn't need this protection plan any longer. I went online to XXXX and canceled the plan. I received another billing late in XXXX and decided to pay it in XXXX thinking maybe I did owe one more month. I received another billing in XXXX with new charges. I called the company, XXXX XXXX XXXX XXXX, that sent this billing saying I was late. They told me I had to call XXXX directly, but the number I had took me back to XXXX. I wrote a letter to them about the situation and included Samsung.s complaint form that I found online. I sent that letter on XX/XX/XXXX. Approximately XX/XX/XXXX I received a letter from XXXX saying they had received my letter and that they were investigating and I needed to continue making payments. Nope not happening because I would never get a refund and felt I didn't owe the money since I had canceled to plan. I have heard nothing more except to continue to receive late notices and when trying to call I sit on hold for hours and end up hanging up. We are in month 4 of this dispute and still not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20 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: Diversified Adjustment Service, Inc.
State: TN

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. 
Also, stated in the HIPPA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. delete it from my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was charged on XX/XX/21 for a {$1.00} charge to view my credit score. I was not aware that 7 days later on XX/XX/21 I would be charged {$26.00} for a subscription. No where was it listed that I would be charged this fee after the initial {$1.00} purchase. They also never sent me any email saying that I would be charged and they never sent a receipt of the order to my email as they did with the initial charge. If I didnt pay close attention to my account this could have went unnoticed as no notice was given my the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Starting in XX/XX/XXXX my wife and I reached out to Franklin American Mortgage Company to get a loan modification. From that point until XX/XX/XXXX they continually pushed off a decision from the underwriter by asking for information that we had to provide. The items they wanted were items like Proof of Flood Insurance, Proof of Escrow Account, Proof of Home Owners Insurance. All of which are items that a ) they already have because they pay them, and b ) We had to contact them to get the proof the underwriter needs. 
They in XX/XX/XXXX we were served by there law firm on a Friday night that they had started a foreclosure proceeding. We were never notified that the loan modification was denied. We received a letter 4 days later of such. 
Subsequently, in XX/XX/XXXX the loan was sold by Franklin American Mortgage to Citizens Bank, NA. 
In XXXX of XXXX I had a court conference with Citizens Bank. A loan modification was started. 

In XXXX of XXXX Citizen Bank Home Loan and I were approved for a loan modification, which was approved for a trial period. The trial period was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During that period all payments were made ON-TIME, and in accordance to the loan modification. 
I found out about the issue in XX/XX/XXXX. I noticed that from XX/XX/XXXX thru XX/XX/XXXX Citizen One Home Loans reported my payments as 120 days past due, when in fact they were not. When I spoke to Citizen Bank Home Loans, they agreed that this was an error. They removed how it was reported to NOT REPORTED. Recently I found that they changed it back to 120 DAYS LATE.

I have confirmation from both my bank and Citizen Bank Home Loan from at the time I made the payments that they were credited to my account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: Mar Joe Enterprises
State: TN

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership.

Also, stated in the HIPPA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. delete it from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have Citibank 's Interest checking account. Got an email from Citigroup which stated that for any direct deposits, I will get upto 2 % cash back ( up to {$100.00} ). I have direct deposit of my salary two times of {$2500.00} each during XXXX 2021 after following this promotion all the conditions. 
But I haven't received {$100.00} for these direct deposit activities. 
I can not keep this account open forever to get this {$100.00} as during pandemic my money ( {$5000.00} ) in this account is blocked ( very low interest rates )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Td financing for proform order never recieved was canceled and they still reported to the credit bereau they order was shipped and my balance was XXXX due

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I had a collections account opened under my name for XXXX car insurance that I never had. Also there was previous debt in collections with XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/21 four, unauthorized wire transfers were sent from my account by someone each for {$1000.00} totaling {$4000.00}. Changes were made to my account settings. None of this activity was flagged nor was I notified by Chase even though I have never used a wire transfer. The money was removed and chase only shut down access after a fifth transfer was attempted for {$500.00}.

I have contacted the bank four times and they have not refunded my account. They have not contacted me at all with any status.

The total amount owed me is {$4100.00}.

Chase was not able to identify or protect my account from this blatant fraud. Chase allowed my contact I formation to be changed without notifying me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20 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: OH

Complaint narrative:
I have spent two days trying to correspond with Trans Union regarding my credit report. I have used their inoperable website several times and called twice and left on hold for 30 minutes on each time. Information on my report is inaccurate for several different reasons ; They are as follows ; XX/XX/XXXX TransUnion Consumer Relations XXXX. XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX XXXX : File Number : XXXX / Dispute & Clarification Information To Whom It May Concern, TransUnion Consumer Relations ; Please find the following disputes and clarifications to my credit report as of XX/XX/XXXX. 
Addressess on Report ; 1. Name reported on the account is wrong. Correct name on account should be XXXX XXXX XXXX. 
2. Mailing and residence addresses ; I have never had a or had possession of ; XXXX XXXX XXXX, XXXX, OH XXXX mailing address. 
XXXX XXXX XXXX, XXXX, OH XXXX is incorrect and was a rental property. Never received any mail at that address. 
Phone Numbers on Report ; 1. All phone numbers listed are incorrect or old accounts that have been changed since inception.

Incorrect Adverse Account Information ; 1. XXXX XXXX XXXX XXXX  # XXXX Automobile Loan PAID IN FULL, >Maximum Delinquency of 60 days in XX/XX/XXXX for {$260.00} 2. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Paid by insurance, never received billing for minimal {$93.00}. Mis-reported/double billing, 3. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX, Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
4. XXXX DEPARTMENT STORE # XXXX >Maximum Delinquency of 120 days in XX/XX/XXXX .Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
5. XXXX XXXX XXXX XXXX # XXXX 'Date Opened : XX/XX/XXXX ; Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 

The above reports are in error for the obvious reasons, Please review, adjust, delete or amend accounts from my report. Thank You for your time in this matter. 
XXXX 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 explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: First Technology Federal Credit Union
State: CO

Complaint narrative:
In XXXX of 2020, First Tech Federal Credit Union removed the ability to add additional payment to your principal when making your normal monthly payment online. I have asked multiple times when this issue will be resolved and the only responses I have received were " the functionality was not working correctly and will return when it can be fixed ''. The removal of this functionality means that a member has to call, wait on hold, talk to a user, explain what you want, and be able to pay additional principal on your loan if they want to pay extra principal. I do this every month and can spend more than 30 minutes per call to get my payment processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: STERLING JEWELERS, INC.
State: MN

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I will sue your company for violating my consumer rights under FCRA & FDCPA if you continue to refuse for my validation request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX ( a part of Experian XXXX makes it next to impossible to dispute information found on their reports. You have to pay a fee to obtain your own vehicle 's report and they do not disclose how they obtained incorrect information regarding your vehicle, they state " other sources '', but do not provide the sources. 

Their report shows that my 2018 XXXX XXXX XXXX XXXX XXXX has over XXXX miles XXXX XXXX miles ). At this time, my vehicle has XXXX miles on it. This is unfair because when I go to sell my vehicle, the value will be significantly less. 

I work from home for a living, so I do not operate my vehicle often. My car is in excellent condition.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I received payments in my paypal account email XXXX after a day they limited my account I submitted proof but they locked me out of my own account and did not returned me money now they are asking me to wait for 6 months for my own money which is completely unfair it was my mistake that i joined paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX - CARD SERVICE - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - CARD SERVICE - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. UNKNOWN - Account # UPABUPXXXXXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
Typed in XXXX in search bar and clicked on XXXX. Purchased tickets for XXXX and never received tickets. Contacted credit card company BBVA several times and they tell me no fraud was found!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Walwick, Inc
State: IL

Complaint narrative:
I received an inaccurate medical bill ( the medical code was wrong and more expensive, wanted it corrected before paying ) and the billing department has not returned calls for months, I havent received any bill nor an updated bill in close to a year ( last statement was from XX/XX/20 and still incorrect and still not returning my phone calls ). They now are submitting that bill to collections. This is fraudulent that they are trying to bill and collect on a medical service I did not receive and not even returning my calls to work with me on correcting the bill so they can collect on it.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This was a XXXX XXXXXXXX account that I paid with a check in full and they sold the debt to Midland funding collection agency. 


I recently got them to stop calling, threading and harassing me. I disputed this transaction many times and is still on my credit. I wrote a check to XXXX XXXX to stilt this account and they still sold it to Midland LLC. I even wrote on the check " Paid in full '' and they cashed it.

Company response to consumer: Closed with explanation