vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Back in XX/XX/XXXX I  received a bill stating I owed a company called XXXX XXXX XXXX an amount of {$1800.00}. They stated if I dispute the validity of the debt they would obtain verification of the debt or obtain a copy of a judgment and mail a copy to me. I responded to them via certified mail on XX/XX/XXXX stating that my letter was a formal dispute and I was requesting validation and proof of such a document bearing my signature that I owed them a debt. On XX/XX/XXXX they responded back with a letter stating that they worked for doctors around the country and I owed a balance to them for {$1800.00}. They showed a invoice number and a account number but not what was requested of them. On XX/XX/XXXX I noticed this account on my credit report under account number XXXX. On XX/XX/XXXX I sent them another letter certified mail stating that they had not provided me with viable evidence showing that the account is being reported accurately. I advised them the description of the procedure being used to validate this debt is requested. This includes the names, addresses and phone numbers of whom they validated the debt with. This letter was not signed for or picked up by the company so I resent the same letter out on XX/XX/XXXX. On XX/XX/XXXX they responded with the same exact letter they sent back on XX/XX/XXXX, still not providing the requested information. They sent the same exact letter again on XX/XX/XXXX still not providing the requested information. This account is showing " charged off '' on my credit report. Since this company has not provided the requested information to prove that I owe them a debt I want this account removed from my credit 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 2018-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have applied for Amex delta blue card and the offer was - spend XXXX $ in first 3 months and get XXXX miles. I fulfilled the conditions but did not get XXXX so I contacted Amex directly and customer care associate told me that he submitted the ticked ( screen shot attached ). Then I checked again with customer service and they told me that they are still processing my case ( screen shot attached ). Then I texted again and customer care associate has told me that I will not get points due to offer terms, which were obviously changed recently, because previous customer care associates have not mentioned a word before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NE

Complaint narrative:
My wife and I have had nothing but problems with the money source. Despite have a fixed XXXX year mortgage, our mortgage rate goes up every year. We have an escrow account and are now being told our escrow is short over XXXX. We are not receiving satisfactory explanations as to why this is occurring. We do understand that because we have had financial difficulties due to medical expenses certain concessions have had to be made. However due to the payment arrangements, our payments have been larger, not smaller. It is irritating that when we call in there are no automated options and we are forced to speak with a bureaucratic representative who has no business judging our situation. We are forced to explain the same situation over again, even though it's in the notes and nothing has changed.to a paper pusher with no medical or legal degree. There is no online payment option when you're behind on your payments. The company makes everything as inconvenient and punitive as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I contacted all 3 credit bureaus advising them that I was XXXX and a victim of identity theft. And sent them proof ( XXXX number ) which they can look up. I sent power of attorney to release any validation. I never received, and even if they did not want to release information to 3rd party they still had a responsibility to send me information. 
Its been months and XXXX is still reporting on my credit by : DIVERSIFIED CONSULTANTS for {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please add my employer information : I have had steady and constant employment from XX/XX/2013 and I'm currently still working in this position as a full-time, permanent employee XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

Please add my employment record to all Credit Reporting Agencies. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please add my employer information : I have had steady and constant employment from XX/XX/2013 and I'm currently still working in this position as a full-time, permanent employee XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

Please add my employment record to all Credit Reporting Agencies. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 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: TX

Complaint narrative:
Ive notified Experian via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. With each request, Experian only sent me a credit report stating that the accounts were verified. The FCRA says that Experian has to provide me with the information used to verify the account in question. FCRA says its required by law to verify through physical verification of the original signed consumer contract, any and all accounts thats listed on my credit report. Ive demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported. Experian has continuously ignored my requests & has continued to report the unverified negative information on my credit report. FCRA states that unverifiable accounts must be removed and if the company is unable to provide me a copy of verifiable proof, they must remove the 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 non-monetary relief
Consumer complaint received 2018-07-03 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: Clarity Services
State: TX

Complaint narrative:
I have received my XXXX XXXX report and see that Clarity Services has pulled my report multiple time without my consent, I have never applied for any of these companies. 
1. XXXX XXXX XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
After only nine months, Capitol One ended my 0 % interest promotion which was supposed to be for 12 months. I called 2 separate times and talked to agents in the XXXX XXXX to get it corrected. They told me many false and conflicting statements. Basically tried to brush me off. When I requested a customer agreement, which I received via online document, it had no verbage or statements about my 0 % interest promotion for 1 year, which they told me it would definitely have. But I read through it several times and it made no mention of it. 
On my second call I explained how the customer agreement was missing that important information and the representative XXXX from XXXX told me it should be there and that was the only written documentation I was ever going to get from Capitol One regarding my cardholder agreement. He told me his system showed 8 months ws the agreement, but he could not produce any written documentation to me what he claims he was seeing. He offered me no other recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: FactorTrust, Inc.
State: TX

Complaint narrative:
I have received my XXXX XXXX report and see that Factory Trust has pulled my report multiple time without my consent, I have never applied for any of these companies. 
1. XXXX XXXX XXXX 2.XXXX XXXX   3.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
We filed BK XX/XX/XXXX. We listed three mortgages held by TD Bank. For five years plus they did nothing with these loans. Now, some five and a half years later, they decide to start foreclosing. ( Interestingly as the market place has improved ). 
I now receive demand letters from the attorneys at XXXX XXXX XXXX ( a XXXX law firm ) representing the bank. I have sheriffs knocking on my door at XXXX in the XXXX   delivering demand letters and notices. I've had complaints and threats of fines from municipalities for code compliance infractions ( primarily the XXXX, PA municipality ). I receive a barrage of mail ( as recently as this past weekend of XX/XX/XXXX ) from the bank and attorney claiming {$170.00}, XXXX is owed on these properties. 
The very first page in the BK filing under the heading " Creditors May Not Take Certain Actions '' it clearly states the creditor must refrain from arbitrarily contacting the debtor. They have been and are in violation of my rights availed me through my plan. 
TD Bank had five years to file the proper notifications during the BK period to acquire a relief of stay. They did not. Now, that is suits their financial needs, they desire to take the properties. 
I want the notices, the letters, the sheriff visits to stop! 
TD Bank and the Trustee in the BK didn't see any value in these properties when they were listed in the BK. Now, I don't think they should have the right to harass me for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America is fraudulently converting idle accounts to accounts that require payments. They have charged me for 3-4 months after converting my virtual banking account to some other account *without informing me*. There has been a lot in the news about companies converting idle accounts so I logged in to a bunch of places including my BoA account to discover they did indeed do so! 

I am abroad and BoA refuses to talk to me via email or provide a toll-free number, therefore avoiding the issue. In the first place, they should not have converted my 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 monetary relief
Consumer complaint received 2018-07-03 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: SELLING SOURCE, LLC
State: TX

Complaint narrative:
I have received my XXXX XXXX report and see that XXXX XXXX has pulled my report multiple time without my consent, I have never applied for any of these companies. 1. 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 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
Lexis Nexis has reported some derogatory added information on XXXX XXXX that has prevented me from opening checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: TX

Complaint narrative:
Ive notified Equifax via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. With each request, Equifax only sent me a credit report stating that the accounts were verified. The FCRA says that XXXX has to provide me with the information used to verify the accounts in question. FCRA says its required by law to verify through physical verification of the original signed consumer contract, any and all accounts thats listed on my credit report. Ive demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported. Equifax has continuously ignored my requests & has continued to report the unverified negative information on my credit report. FCRA states that unverifiable accounts must be removed and if the company is unable to provide me a copy of verifiable proof, they must remove the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am a senior citizen and a little over a month and a half ago, I attended a little seminar by a XXXX. I paid out of pocket for the initial evaluation and brought my XXXX XXXX   with me. His name was XXXX XXXX. He made alot of claims and promises and I signed up for treatment for my XXXX. After six sessions, I found I was getting no relief and my problems with my XXXX were getting worse. I told the girl XXXX at the front desk that I did not want to be billed in advance of my sessions. Instead, through Care Credit, I was billed XXXX when I only saw this doctor six times and I paid for the initial visit out of pocket. In addition, this doctor said he would give one visit free for each visit. I called Care Credit and said I do not want this on my account. I never wanted to be billed for the full amount ahead of time. Care Credit my account ends in XXXX, said they would contact the provider. I said I got no relief and I received no detailed invoices from each visit showing what was billed to XXXX, etc. I requested this information more than once. Care Credit did not remove this {$4000.00} I am protesting. I checked today again and nothing was taken off as I asked. I called the XXXX  and they did not remedy this and never gave me copies of billings. I told them I do not want anything to do with their office after this issue. Again, Care Credit is billing me the full amount after I protested this. I need something done right away. I am very upset. They provided me no signed contract, nothing. I need something done right away.

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 2018-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I was mislead by XXXX XXXX and was under the impression that they were helping me to reduce my monthly payments on my federal student loans. Instead, they were charging me for services that I was unaware of, leading me to believe that my monthly payments of {$100.00} were going towards my federal student loans. I have been under this deception since XX/XX/2017 and I am in the process of requesting a full refund and cancellation of my membership with XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted a CFPB complaint regarding my account. I still have not heard back from chase. Today XX/XX/XXXX my account was unexpectedly closed by Chase without explanation. Previously I submitted a different CFPB complaint on another Chase account and the same thing happened. Roughly 2 weeks after filling complaint Chase closed the account. There is a clear pattern of abuse by Chase retaliating for customer complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have multiple hard inquiries that I don't recognize from these consumers XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive notified TransUnion via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. With each request, TransUnion only sent me a credit report stating that the accounts were verified. The FCRA says that TransUnion has to provide me with the information used to verify the account in question. FCRA says its required by law to verify through physical verification of the original signed consumer contract, any and all accounts thats listed on my credit report. Ive demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported. TransUnion has continuously ignored my requests & has continued to report the unverified negative information on my credit report. FCRA states that unverifiable accounts must be removed and if the company is unable to provide me a copy of verifiable proof, they must remove the 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 2018-07-03 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: GA

Complaint narrative:
XXXX XXXX XXXX reported incorrect information on my credit report. Reported it as surrendered and late payment. This is not True. I call them and they said they did not do it but Experian said they had too. 

I have documents showing that I have never miss a payment and that the loan is still open

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 2018-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I have been getting continuous communication from XXXX XXXX XXXX for a debt I do not owe. They are trying place a judgment against me for XXXX  XXXX XXXX card that I do not owe money on. Ive contacted XXXX XXXX XXXX and spoken with several individuals including the manager. I have a XXXX balance and the account is so old that all information has been purged from their system. I received a judgment from XXXX XXXX in 2017. Court date was scheduled and because the plaintiff failed to appear ( XXXX  XXXX  XXXX ) they dismissed the case. I now receive another letter from XXXX XXXX XXXX XXXX for another judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
hi, i have been getting calls and/or letters, reg a debt that was quite few years ago!!! And i went Bankrupt, and told them to, Portfolio collection agency. But they are known to harrass people. Let them know, that also they were sued in Virginia and another law suit is being filed/ a class action suit, so they need to stop harrassing people reg old bills!!!!!

Company response to consumer: Closed with non-monetary relief