vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XXXX XXXX XXXX is not legally authorized to collect debt in the state of Texas and is changing their name on my credit reporting from time to time. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Based on the information filed with the Office of the Secretary of State, the bond for this company has been cancelled, and therefore they are not legally able to  attempt debt collection within the state of Texas, where I reside, and can not report these false negative items to the credit bureaus. Please remove this item from my credit report ASAP. 
I have sent a previous complaint against XXXX collection agency. They have since changed their reporting name on my credit report. Again, Texas requires all collection agencies attempting to collect debts or reporting on consumer reports to have a surety bond on file with the Secretary of State of Texas. XXXX ( XXXX  XXXX XXXX ) AKA XXXX XXXX does not have an " active '' bond filed. In my previous complaint, XXXX has stated they are doing business under another agency name, however this is not listed on my credit report, what is listed does not have an " active '' surety bond filed with the State of Texas. The results from my previous complaint is on file with the Consumer Financial Protection Agency. XXXX XXXX XXXX is the company reporting on my credit file currently. This company keeps changing their name on my credit report. The company removed the reporting to the bureaus briefly after the original complaint however has since started reporting again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: CA

Complaint narrative:
There was a fraudulent account opened with XXXX XXXX without my knowledge. I was able to get the account closed and removed, but I was not able to get the hard inquiry removed. I tried to dispute the inquiry with both XXXX XXXX and with the bureaus, but the claimed they could not remove it and it would just " fall off. '' Not sure what else to do, but I don't want to wait until it falls off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XXXX is not bonded in the state of Texas to collect debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2018 I put a deposit on a XXXX XXXX XXXX XXXX XX/XX/2018 at XXXX XXXX in XXXX XXXX, The deal did not go thought, I left the XXXX XXXX in XXXX XXXX, with no car but the next day, XXXX XXXX XXXX XXXX XXXX Charged my credit card for XXXX I've talked to Citi and they have put the XXXX back on my card. I NEVER bought a car from XXXX XXXX. I have never purchased anything from any XXXX XXXX. I bought a XXXX XXXX XXXX XXXX. XXXX XXXX Has done nothing to help resolve this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NV

Complaint narrative:
I have been disputing a final billing with XXXX cable since XX/XX/XXXX. I have called them on several occasions to request my last few bills from them to verify no equipment charges are still on they account and they only send me the final bill. I called and they tell me i have to log into a non existent account to access the bill. Then i explain i dont have equipment or an account and there is still no help. They received their equipment on XX/XX/XXXX and the final bill from XX/XX/XXXX has a credit of XXXX but that is for service not for the equipment they collected on XX/XX/XXXX. I need to see the last 3 bills to verify what is owed. I have called them and they constantly sending to new collection agencies but not sending my the last few bills that i have requested. Lastly, I have not received any written notices from the collection company diversified consultants inc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I talked to Chase Bank customer service, and explain to them that I did not apply for a chase credit card. The person I talked to told me on XX/XX/XXXX that he would stop the application and remove the hard inquiry from my XXXX record which he did not. Now on XX/XX/XXXX Chase got a hard inquiry of my XXXX  record after I told them that I did not apply for a chase credit. 

I need help before Chase open this card up in my name I dont mine paying the bills I make but I can not afford to pay for something someone make. 

Thank you. 

PS. Chase need to remove the hard inquiries from my credit reports like they Said would.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The purpose of my compliant is to address fraudulent charges via a Capital One credit card. I had a secured Capital One credit card with excellent history dating back to XX/XX/XXXX. In the fall of XX/XX/XXXX I made Capital One aware of frivolous charges on the account. After review, they stated that the charges  were valid and began to report negatively to the credit bureaus thus destroying my credit. My secure credit card had a credit limit of {$3000.00}. My credit report is reflecting a charge off of {$9400.00}, with an outstanding balance of {$6500.00}. How is this possible, if ( A ) I reported fraudulent activity and ( B ) my card 's maximum limit was {$3000.00}? Your assistance in this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I wire transfered {$5900.00} to my USD account of Coinbase in XX/XX/2018. Then, My coinbase account has been locked until I can complete the identity verification, which includes my name, DOB,  personal address, my occupation and last four of my SSN. Since then, I can't buy, sell, withdraw money, or even close my Coinbase account. The reason Coinbase gave me is that they need to verify my Personal Information and SSN. So I verified my CA Driver Licence and tried several permutations over 2 months and failed over and over because Coinbase says my ID can not be located. Then I requested to close my Coinbase account for getting my money back but failed to close the account. I have sent several emails and submitted many requests and the customer support did nothing and even disappeared after I showed my account 's problem. I still have that {$5900.00} locked up in my Coinbase account and can't touch or withdraw it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: GA

Complaint narrative:
Im a victim of identity theft and have had several fraudulent credit card accounts opened in my name with companies : XXXX XXXX-OPENED-XX/XX/XXXX-BALANCE- {$9500.00}, XXXX XXXX-OPENED- XX/XX/XXXX-BALANCE- {$17000.00}, XXXX XXXX XXXX- OPENED- XX/XX/XXXX-BALANCE- {$8000.00}. There are also 2 fraudulent credit inquiries resulting from the crime as states : XXXXXXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for this fraudulent credit card account to be opened in my name. The address on file does not belong to me, the accounts where not authorized to be open by me, and Ive been a victim of identity theft for over a year. The XXXX police department deemed these fraudulent accounts as fraudulent credit card accounts, and it is documented with the XXXX police department that, Im a victim of identity theft. There is also a address on my credit file reporting that is a fraudulent address as well in which, I never resided at the address listed. I have that address listed on my FTC/IDENTITY THEFT REPORT as a fraudulent address as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up these fraudulent accounts in the consumers name used the consumers personal information to have the fraudulent accounts opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with these creditors. Im not going to be liable nor responsible for fraudulent credit card accounts being opened in my name as if, Im the one that applied for these fraudulent accounte. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming these accounts as fraudulent accounts, and these accounts need to be deleted/removed off of my credit files asap. These are not my accounts, and I shouldnt have to deal with an issue as such. I need assistance with having these accounts removed off of my credit files, and out of my name immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: CA

Complaint narrative:
I HAVE BEEN DEALING WITH A ACCOUNT FROM XXXX XXXX SERVICES THAT DOES NOT BELONG TO ME AND AND EXPERIAN THRU THERE DISPUTE HAS NOT CORRECTED THE ISUE IN OVER 4 MONTHS THIS DISPUTE STARTED IN XX/XX/2017 FROM XXXX INCORRECT REPORTING I HAVE PROVIDED ALL THE DOCUMENT NECESSARY TO BLOCK AND REMOVE THIS ACCOUNT ACCORDING TO THE FCRA AND EXPERIAN CONTINUES TO REPORT THIS XXXX ACCOUNT # XXXX ON 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 2018-03-21 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:
I applied for an XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( see attached image for confirmation of the application date ). The terms were that I would receive XXXX miles after {$1000.00} spending in three months and {$50.00} statement credit for a XXXX purchase ( also attached offer ). I have confirmed chat with an AMEX rep on XX/XX/XXXX that I met the terms of the condition and would receive the bonus miles in 6-8 weeks ( attached chat log ). 

I never received the miles nor the bonus points. I tried contacting an AMEX supervisor in XX/XX/XXXX who said she would submit a request for me because there was a system issue due to my application being approved in XX/XX/XXXX after going through reconsideration. However, I met the terms of the bonus, applied before the expiration date of the promotion, so I do not think this should be an issue. I tried following up again ( XX/XX/XXXX) and even ( XX/XX/XXXX ) and was told it hasn't been reviewed. 

This is getting ridiculous. I met all the terms so I do not understand what the holdout is for issuing the points and the statement credit. I have proof that a rep stated that I met the terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I submitted a complete modification package to Wells Fargo with a declaration from the contributor on XX/XX/2018. I had to file a complaint with the CFPB to have my BK authorization to speak directly with Wells Fargo acknowledged, then I had to file another complaint just to find out what was missing from my file. Now I am being asked to resubmit a new application for modification all because of the delays caused by Wells Fargo in ignoring and holding my documents while refusing to speak with me. Now I am being asked for another copy of my tax returns and another copy of my application ( which I provided again even if it was already submitted and a full application from the contributor - when they are just that - " a contributor ''. Please see attached modification application that was already submitted, including tax returns held and delayed by wells fargo since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: Midwest Recovery Systems
State: TX

Complaint narrative:
The credit agency reporting it on my credit report is XXXX XXXX XXXX XXXX But the original creditor is XXXX XXXX XXXX XXXX This was not me, I XXXX it and it said that it was a emergency room in XXXX Louisiana I live in Texas, I have never even been to XXXX before. This was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has refused to acknowledge any payment I have made since the month of XX/XX/XXXX,  and has continuously placed late payments on my credit profile regardless of the balance of any payment arrangement that has been offered. I have contacted the presidents office on more than one occasion, only to be ignored. My account has not been reviewed, nor reported accurately, and when I call in to speak to someone I am given a new reason why another late payment has been reported. There have been errors in customer account handling ad well as credit reporting on my account, which at this point has caused me to seek legal council. I was called in XX/XX/XXXX and told the account would be looked into, to only receive a generic letter stating there were no errors made which was a lie. 
A payment was made on XX/XX/XXXX in the amount of {$100.00} via a customer service representative. I was provided with the confirmation # XXXX. I continued to check my bank account to ensure the funds were removed, but by XX/XX/XXXX, the funds were still there. I contacted Capital One to see what happened with the payment as I had not received any communication from Capital One or my bank ( XXXX XXXX  ) regarding the payment. After a lengthy call with a Capital One supervisor as well as my bank on a 3-way call we arrived at the conclusion the bank had made an error. I immediately paid the {$100.00} again ( confirmation # XXXX ), yet I still received a non-payment placed on my credit profile for the month of XX/XX/XXXX. I made another payment of {$39.00} on XX/XX/XXXX ( confirmation # XXXX ) yet I recieved a non- payment placed on my credit profile for the month of XX/XX/XXXX as well. I am making every effort to effectively communicate as well as pay yet my efforts have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XXXX collection account added to credit report XX/XX/XXXX balance : XXXX $ XXXX collection accounts added to credit report XX/XX/XXXX balance : XXXX $ XXXX XXXX account added to credit report XX/XX/XXXX balance : XXXX $ I Disputed These accounts XX/XX/XXXX with the creditors and they responded stating that the debt was valid but offered no proof of ownership to me and refused to remove it from my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XXXX is not Bonded in the state of Texas to collect debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am writing due to National Credit System is trying to collect on a debt that is not accurate. Two of the credit bureaus have remove this inaccurate information from my file. 

This company according to the State of Florida secretary website shows this company not active to collect in Florida. I have attached that document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National credit systems Inc placed an collection account on my credit file XX/XX/XXXX for the amount of {$500.00} disputed with company in XXXX of XXXX and they have refused to remove information from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
ERC has reported to the credit bureaus an account that I have no idea who XXXX XXXX is and never had. I submitted another complaint a few days ago but just found out about this second one. I have not received any notices at my home in which I have been in for 2 years. 

After researching the original creditor there is no way this account belongs to this XXXX XXXX and I am requesting ALL collections pertaining to this creditor and myself to be deleted from all credit bureaus IMMEDIATELY. I am also filing a FTC and XXXX complaint as these collection agencies have to do better when validating and verifying debts and ownership of debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: Omega RMS, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to CFPB ( complaint : XXXX ). That complain has since been closed, however the information I requested in feedback has not been provided by the company, Omega RMS. The company responded to the complaint and I provided feedback. In my feedback I requested proof of the information in the company 's response but have not been provided that information. 

I am disputing the " placed for collection date '' as well as the " client date last paid '' that is being reported to the credit bureau by Omega RMS. 

According to the information I received from the original creditor, XXXX, and the last payment was made XX/XX/XXXX. I have requested multiple times for all information from Omega RMS including proof of the last payment and that information has not been provided. I have only been provided the information that was attached in the initial complaint. Furthermore, the " placed for collection '' date is incorrect. Per the original creditor, XXXX, the placed for collection date is XX/XX/XXXX. Omega RMS is reporting XX/XX/XXXX as the placed for collection date which is not accurate. 

The original creditor, XXXX, also confirmed the account was charged off XX/XX/XXXX. Omega RMS in their response to the initial complaint stated they are collecting on behalf of XXXX XXXX, however the account had been charged off by the original creditor and they are no longer pursuing collection on this account. Omega RMS is attempting to collect on a debt that they purchased ( XX/XX/XXXX XXXX from a 2nd party collection agency ( XXXX ) that is no longer in business and also not pursuing collection on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation