vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-28 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2020-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/2020 I received a credit card in my name from US Bank. I never applied for a credit card from US Bank nor have I ever had an account with US Bank.

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 2020-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Submitted letter of student write loans right off, submitted current documentation from medical leave with notice of termination while on medical leave with proof of long term care and pending XXXX as well as submitted to the company that I didn't get to see my vehicle upon repossession as well as when I tried to turn in keys they told me didn't need my keys at the reposession place. While I am still pending SSDA/SSI from 2017 and it is stuck in appeals court they continue to not offer refiaancing and now it is affecting my credit. I have went above and beyond contacting them during my medical termoil and on XXXX XXXX XXXX XXXX have had family drive me across state just to get my possessions in the vehicle then they tell me that I can't fiancnce my car and i explained that I talked to original dealership and they would help me refiance the vehicle yet they refuse to budge.

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 2020-01-28 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: Capio Partners, LLC
State: FL

Complaint narrative:
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2019, I tried to transfer my reward point from American Express member reward to XXXX airline and the action was declined by american express. They frozen my total XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I attempted to purchase a dog from what I thought to be a reputable breeder. The website was XXXX XXXX XXXX  and I had arranged to purchase a dog on XX/XX/XXXX. I was told to use the Zelle app to transfer {$800.00} to the seller, and because I have purchased dogs before online and that Zelle was an app my bank, XXXX XXXX XXXX XXXX, used I was not aware of any potential problems. Once I used the app, the money transferred over from my checking account, and I learned that the seller was not actually a dog breeder and I was scammed. I discovered the scam within 4 hours of the transfer, and attempted to call the website and my bank to cancel the transaction. The website did not return calls and the bank said that Zelle transfers could not be undone. I was not provided with any notices or disclosures that helped me to understand that Zelle was not covered by any insurance like a regular debit card would have been. Zelle advised me that the transfer was voluntary, and so they were not responsible. My bank let me know the transaction was not secure, even though it was the only third party money transfer available on their secure mobile app. I am confused as to how Zelle can not stop or reverse charges that are transferred to another checking account if fraud is suspected ; I thought there should be a provision under Reg. E?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pavilion Payments US BuyerCo, LLC
State: UT

Complaint narrative:
Company : Global Payments Check Services, XXXX - XXXX XXXX XXXX XXXX, IL XXXX / re : acct # XXXX I reached out to this company Mid XX/XX/XXXX regarding a returned check. The amount owed is {$770.00}, and they offered a settlement of {$650.00} but had to be paid that day to avoid a third party collection. I advised that I had taken an unpaid medical leave of absence from work, and advised that I could not pay the entire amount in one lump sum, but would like to set up a payment plan. I offered to make a small " good faith '' payment that same day with a debit card. they declined and said they could not take any payment if it was not the payment in full or the settlement amount, and that they could not set up any kind of payment plan. I expressed very clearly that I was very concerned that this would get sent to a third party agency and would be reported to the credit bureaus. again they advised that they could not do anything unless payment was made in full and they would not accept any partial payment. today ( XX/XX/XXXX ) I received two letters. The first is an undated letter from this company advising that the account has been sent to a third party collection agency and that the account has now been reported to the credit bureaus. The second letter is dated XX/XX/XXXX, and is from the collection agency advising that they have received the account and an attempt to collect. My issue is that the " undated '' letter was the first letter that I received advising of any legal action. additionally I am very concerned that the company was not willing to set up a payment plan - when I clearly expressed that I was able to pay a reasonable amount per month to avoid the account going to collections and being reported to the credit bureaus. I am very frustrated because I have had medical issues that sometimes prevent me from going to work, and I explained all of this, but they were still not willing to set up a payment plan, or even take a small partial payment just to show that I am willing to pay. Now my credit is going to be adversely affected, which is a VERY BIG deal to me because I have spend the last 5 years cleaning it up. I have NO LATES on all of my active accounts and only XXXX  late on an old closed credit card. If this item gets reported to my credit reports, it is going to severely hurt my score and all the progress I have made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX / XX/XX/XXXX I received a notification regarding that my credit score was used for this company. I didnt apply or sign up for anything. Im taking that my  personal information was used without my authorization. It has a high impact on my credit & I need help disputing it please. 

XXXX XXXX XXXX/ XX/XX/XXXX I see several reports with this collector on my credit. Ive tried disputing this several times & they denied & refused to remove. I didnt give any authorization of my signature neither did I sign any contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 I opened my account with Regions. During the opening process I was presented with Regions Refer-a-Friend program where the bank asked its members to recruit their friends and family to join the bank. For any people referred Regions would pay both parties a {$50.00} Visa gift card. I successfully sent 17 referrals. Of that only 8 people completed the requirements and were designated by Regions as " Criteria Met '' ( for the {$50.00} gift card ). I received 7 {$50.00} gift cards. I am still missing one {$50.00} gift card and Regions own referral tracker confirms 8 criteria met but only 7 incentives paid. 

Over the past 2 months I have contacted Regions by secured message through their website 5 times. The bank is helpless via secured message and asks for me to call in. I have placed no less than 14 phone calls to the bank and spent 5+ hours on calls. At each phone call I am given conflicting information, told to call other departments, and even told a help ticket is opened to investigate. Despite this no action has been taken. Even today a " supervisor '' can see my missing referral but is helpless to advise on the status of my ticket, open a ticket, or provide any meaningful information. The majority of the bank representatives do not even know what the refer a friend program is.

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 2020-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX Credit card has not been updated by Transunion as a XXXX balance since XX/XX/2019. I do not have any balance owed to XXXX 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
Consumer complaint received 2020-01-28 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: NC

Complaint narrative:
I am a victim of identity theft and there is a fraudulent account reporting to my Equifax report. I have provided Equifax with every single document that is needed for this account to be removed from my file and I've shown proof of fraud. Equifax has refused to remove this fraudulent account and continues to report fraudulent information. This account was not opened by me nor did I authorize or benefit from this account. I am requesting that Equifax use the documentation provided to them that they've requested and verified ; to remove this account ( s ) immediately. I have attached the Police Report and removal request letter to my dispute. Unfortunately, the Federal Trade Comission Affidavit is too large to attach, however this has already been provided to Equifax to use to  block/remove this account. The account that I am requesting to be blocked is XXXX  XXXX XXXX ( Credit Card ) // Opened : XX/XX/2017 XXXX Balance : {$240.00}. This account is a fraudulent account and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I discovered that there were two bankruptcy filings under my name. I am the victim of ID theft, and someone filed taxes on my behalf and opened up accounts and got cars. I filed form 14039 with the IRS regarding this. I also found that there were two bankruptcy filings -- -One filed in XX/XX/XXXX with an attorney. I contacted the attorney and was told the bankruptcy was dismissed because the person who tried to file for bankruptcy was attempting to use the bankruptcy to stay a repossession that had occurred and that when he found out that the person was not me and was using my name fraudulently, he dropped the case. It appears the case was dropped because whoever stole my identity could not come up with the XXXX tax return. On XX/XX/XXXX, it seems the person attempted another bankruptcy filing this time without an attorney but Pro Se. This was also dismissed. 

I contacted the bankruptcy court to see how to get these removed, and they furnished me a letter stating that these bankruptcies did not go through, and they did not furnish this information to the credit bureaus. I have sent this letter to the credit bureaus and XXXX XXXX, and nothing happened.

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 2020-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: USA Cash Services Management, Inc.
State: UT

Complaint narrative:
Company : USA Cash Services I got an installment loan around XXXX or XX/XX/2019. Originally I had planned to pay the loan back early to avoid all the high interest accruing, but because I have medical issues and unpaid medical leave away from work, I have had a reduction in pay and I am unable to make the payments to this company. I have explained my situation to the company, but we were not able to come to a resolution. I explained that I needed some time to pay or to try to come up with an arrangement to stop the interest from accruing while I pay the balance down. I was advised that there is nothing that can be done unless I pay the balance in full. I explained that because of the time away from work, I am not able to make the i weekly payments, let alone pay the loan in full - I asked if there was ANYTHING that can be done, even if I made a partial payment. I was told that even if I made a partial payment, it wouldn't really make a difference because it would not be enough to keep it from going to corporate collections, and it would only go to interest. I can not afford to pay this loan at all because I have other bills that are more important ( rent, utilities, car payment, car ins, food, etc. ). 

I want to find a resolution, but I am very afraid that this will soon go to collection and will be added to my credit report as a collection account.

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 2020-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/XXXX I received a late pay with capital one credit card i contacted capital one XX/XX/XXXX because this was still showing on my XXXX  credit report and per my research this late pay should fall off after 2 years. The representative stated that this would fall off automatically, but at this time it still shows on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have told them that I have owned this number for my business since XXXX and there is no one here or that we represent named XXXX XXXX. They call and then hang up. Calls ring through from different numbers so I can not seem to block them all. I did call back and told them to stop but they keep on keeping on ... 

Voice Incoming ( XXXX ) XXXX PORTFOLIORECOV Fri XX/XX/XXXX XXXX XXXX  Phone Call Missed XXXX Voice Incoming ( XXXX ) XXXX PORTFOLIORECOV Mon XX/XX/XXXX XXXX XXXX  Phone Call Accepted The call connected to and was accepted by this number. XXXX ( but they actually hung up on me ) Voice Incoming ( XXXX ) XXXX PORTFOLIORECOV Mon XX/XX/XXXX XXXX XXXX  Phone Call Missed XXXX Voice Incoming ( XXXX ) XXXX PORTFOLIORECOV Thu XX/XX/XXXX XXXX XXXX  Phone Call Missed XXXX Voice Incoming ( XXXX ) XXXX PORTFOLIORECOV Thu XX/XX/XXXX XXXX XXXX Phone Call Missed XXXX Voice Incoming ( XXXX ) XXXX PORTFOLIORECOV Tue XX/XX/XXXX XXXX XXXX  Phone Call Missed XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: PDQ Check Exchange LC
State: UT

Complaint narrative:
Company : Mr Money Payday Loans I got an installment loan around XX/XX/XXXX or XX/XX/2019. Originally I had planned to pay the loan back early to avoid all the high interest accruing, but because I have medical issues and unpaid medical leave away from work, I have had a reduction in pay and I am unable to make the payments to this company. I have explained my situation to the company, but we were not able to come to a resolution. I explained that I needed some time to pay or to try to come up with an arrangement to stop the interest from accruing while I pay the balance down. I was advised that there is nothing that can be done unless I pay the balance in full. I explained that because of the time away from work, I am not able to make the i weekly payments, let alone pay the loan in full. they were able to give me a payment agreement, but the new payments are more than what was originally given because I had defaulted and couldn't pay. I have now been advised that if I miss ANY payment or am even ONE DAY LATE, I will get summoned to court for judgment. I can not afford to pay this loan at all because I have other bills that are more important ( rent, utilities, car payment, car ins, food, etc. ). 

I want to find a resolution, but I am very afraid that this will soon go to collection and will be added to my credit report as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I discovered that there were two bankruptcy filings under my name. I am the victim of ID theft, and someone filed taxes on my behalf and opened up accounts and got cars. I filed form 14039 with the IRS regarding this. I also found that there were two bankruptcy filings -- -One filed in XX/XX/XXXX with an attorney. I contacted the attorney and was told the bankruptcy was dismissed because the person who tried to file for bankruptcy was attempting to use the bankruptcy to stay a repossession that had occurred and that when he found out that the person was not me and was using my name fraudulently, he dropped the case. It appears the case was dropped because whoever stole my identity could not come up with the XXXX tax return. On XX/XX/XXXX, it seems the person attempted another bankruptcy filing this time without an attorney but Pro Se. This was also dismissed. 

I contacted the bankruptcy court to see how to get these removed, and they furnished me a letter stating that these bankruptcies did not go through, and they did not furnish this information to the credit bureaus. I have sent this letter to the credit bureaus and XXXX XXXX, and nothing happened.

Company response to consumer: Closed with explanation