vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX discovered an erroneous/fraudulent mark on my credit report from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, MD XXXX ) and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ; XXXX, Maryland XXXX ). I contacted XXXX XXXX Hospital and informed them of the mistake. I contacted XXXX XXXX XXXX   and informed them error. I filed a dispute with the credit reporting agency Equifax. 

I mailed XXXX XXXX Hospital and XXXXXXXX XXXX XXXX   certified letters requesting they produce competent evidences that bares my signature to provide I owe this debt within a reasonable period. 

Furthermore, I requested until they could produce competent evidence no future actions should be against me. At the end of a reasonable time if they can not provide competent evidence proving the erroneous debt they remove the erroneous mark from my credit report. I filed a dispute with the credit reporting agencies simultaneously. 

I received delivery conformation both letters where delivered from the US Mail service, but no response from either XXXXXXXX XXXX   Hospital nor XXXX XXXX XXXXs. Equifax removed the mark from my credit report. 

In XXXX I discovered the erroneous/fraudulent mark on my credit report. I responded by sending a second letter to both XXXX XXXX Hospital and XXXXXXXX XXXX XXXX followed by another dispute with Equifax. I did not receive a response from any parties, so I contacted XXXX XXXX Hospital via phone. The accounting/billing department told me we had no record of the debt. 

I have no recollection of this debt nor have I ever received validation from either party to the validating the debt or the soundness of the report mark. This is a medical bill on my credit report! 

Today, I discovered the mark on my credit report once again. I contacted Equifax and filed another complaint. I contacted XXXX XXXX Hospital via phone. The Vice President is having a letter drafted stating this is an erroneous account. 

The alleged debt is a medical bill dating back 8 years. I have never given anyone authorization to report medical debt on my consumer report. I am demanding it is removed today!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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 belongs to someone else
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
My wifes mother who is currently incarcerated opened a Wells Fargo credit card in her name when she was a minor. This account should have never been opened by Wells Fargo in the first place, however her mother incurred charges and never paid the balance. Wells Fargo considered this a charge off. In late 2016 my wife and I went to the Wells Fargo branch in XXXX XXXX, CA to open our first joint checking accounts. The banker that helped us ran into a rejection when opening the accounts. She could not tell us what the rejection was for, but called her back office and got them to bypass the account opening rejection. We later were notified that our accounts were being closed for cause due to the credit card that was ONLY in my wifes name. We tried to remedy the issue with Wells Fargos fraud department who never responded to our multiple requests. This account was closed due to actions of another person and should not reflect poorly on my consumer reporting with 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 monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Shermeta Law Group, PLLC
State: OH

Complaint narrative:
Recived a court summons for a credit card by shermeta law group for a credit card debt i for a unknown amount a credit card debt i know nothing about i feel if i owe thus debt id like to know what its for and how it got to the amount they are suing for it says the plaintiff is I have hired a attorney to file an answer so they don't get a default judgment i would like to see a contract that i signed they did attach a generic copy of terms and conditions that i could print off my self from SHERMETA.COM website. and i would like to see transactions that were made from the start of the debt to the end to validate this debt belongs to me and the amount.You, Shermeta Law Group , PLLC must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. 
Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, Shermeta Law Group , PLLC are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK
State: NH

Complaint narrative:
The bank will not allow me to withdraw any money in my account. They say it is there policy to not allow any withdrawals for sixty days from the day an account is opened. However, this restriction is nowhere to be found in the account 's terms and conditions ( legal agreement ). The bank is therefore violating Regulation CC.

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 2018-06-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, account no.XXXX  is erroneously reporting on my EXPERIAN AND XXXX  reports post dispute.The account, balance history, charge-off status ... everything is wrong.First of all, what they are missing was that I paid off the account, over the phone with my XXXX debit card when the total balance was about 250 dollars..no evidence of that in the record.Secondly, the account is re-aged, the date of 1st delinquency is about 9 months prior to what the record states.

Delete the account from all bureau files ... I can acquire my bank records any time I need it even if they are archived to prosecute the bank and the bureau for statutory damages due me.When my purse was stolen in late 2014 for which a police report was filed someone gained access to my identity and opened many credit accounts in my name.If they were able to abuse this account, they did, they were professional thieves.

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 2018-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Transferred rent money from my bank to my lawyer thru the company XXXX but his account wasnt working so I had them put it back to my XXXX account. When I thought I could transfer the funds back to my bank account my account was frozen and I was given an email stating I wasnt going to be getting any of my money back because it was there policy in fine print you arent allowed to transfer funds back to your own bank which I didnt know. They are stating they are creating an investigation because I had a prior account with fraud in it which I reported to my bank and they are now stating I owe them for that but I dont because it was fraud nd ruled by my bank. I tried to explain the situation to them but they are not giving me any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 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: PNC Bank N.A.
State: FL

Complaint narrative:
on XX/XX/2018 I called XXXX XXXX reguarding an unauthorized inquiry on my credit report that was pulled on may XX/XX/XXXX during the purchase of my new vehicle at XXXX XXXX in XXXX Fl. I talked to XXXX and they said they could not do anything about the unauthorized inquiry. I'm looking forward to pursue deletion for an inquiry I didn't authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/2018 I called XXXX XXXX reguarding an unauthorized inquiry on my credit report that was pulled on may XX/XX/XXXX during the purchase of my new vehicle at XXXX XXXX in XXXX  Fl. I talked to XXXX  and they said they could not do anything about the unauthorized inquiry. I'm looking forward to pursue deletion for an inquiry I didn't authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: IL

Complaint narrative:
Via XXXX, I booked a room at XXXX XXXX in XXXX XXXX, CA for XX/XX/XXXX-XX/XX/XXXX.  On XX/XX/XXXX, I received an invoice from XXXX XXXX indicating that I owed {$130.00} for a damaged towel ( {$85.00} for towel and {$50.00} on cleaning fees. As a note, this motel is completely self check-in and self check-out. The bathrooms are communal and include towels and washcloths guests are allowed to use indiscriminately. ) I immediately responded by disputing the claim and asking for evidence. I never received a response from XXXX XXXX. 

On or around XX/XX/XXXX, I received a debt collection notice from Cedar Financial, indicating that I had a XXXX outstanding debt ( including late fees ). I immediately called Cedar Financial and explained the situation to them, once again disputing the charge. The representative ( XXXX XXXX ) indicated that he would follow up with XXXX XXXX for additional information and evidence, since no one answered the phone at the facility. As a note, I also contacted my credit card company to block any attempt at collection. The credit card company attempted to contact XXXX XXXX, also with no success. 

Thereafter, on XX/XX/XXXX, I also contacted the XXXX XXXX XXXX in the hopes they could intervene. The XXXX  ( representative XXXX ) attempted to contact XXXX XXXX up through XX/XX/XXXX, at which time I received an email indicating a lack of success in contacting XXXX XXXX. 

Today, XX/XX/XXXX, I received additional correspondence from Cedar Financial, which suggests that I still owe {$130.00}. I immediately called Cedar Financial and, since representative XXXX was busy, I spoke with another collections agent. I explained to him the combined efforts of the XXXX and myself to contact XXXX XXXX. I also advised him that I never received follow up correspondence from Cedar Financial as to my original request for evidence. He responded that they had forwarded me correspondence on XX/XX/XXXX, which refers to the first time I received a notice from them. When I asked about evidence, the response was somewhat vague, with the agent suggesting something about " terms and conditions. '' As to proof or evidence of damage, he also insinuated that XXXX XXXX would not have taken any photos. Each of these calsd are supposed to be recorded, as a note. The agent assured me that he would follow up with XXXX XXXX once more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I've been getting the run around. My credit card statement generated on XX/XX/XXXX.

The credit report should have been updated the following business day XX/XX/XXXX to reflect my new credit card balance. My credit card is paid down close to XXXX   balance, but it has yet to be updated. When I contacted XXXX, they advised that the report was updated on XX/XX/XXXX. This isn't accurate.

When I contacted Capital One, they advised to contact XX/XX/XXXX. I'm in the process of buying a home and the maxed out credit card status is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
We entered into a rental contractual agreement which ended XX/XX/XXXX. We decided to not continue with the apartment due to various reasons. The keys were surrendered to the manager and the apartment cleaned and in excellent condition. We have pictures and other documentation. We had no access to this apartment after XX/XX/XXXX. All rents and utilities were paid through XX/XX/XXXX. Around XX/XX/XXXX we received a notice regarding a collection account from XXXX XXXX XXXX for XXXX   XXXX XXXX XXXX for {$1900.00}. We disputed the debt and filed a complaint with SC Dept of Consumer Affairs, however according to their correspondence on XXXX, no response was received from National Credit Systems. 

On or about XX/XX/XXXX we received another notice reflecting the creditor name to XXXX XXXX XXXX XX/XX/XXXXand the balance of {$1200.00}. We are concerned that some type of claim may have been made against XXXX XXXX against the {$500.00} bond we had moving in. Again the property was paid through XX/XX/XXXX and left in excellent condition that can be verified. Also, note we had a refundable security deposit that was never disclosed as to what happened to it and we never received any details as to why the collection account or amount change. 

On or about XX/XX/XXXX we mailed a certified letter to National Credit Systems maintaining that we still dispute this debt and initiated a Cease and Desist order indicating until the investigations and reviews are completed. The letter was noted by the US postal tracking system as picked up XX/XX/XXXX at XXXX. Our credit accounts have been dinged by National Credit Systems unreflective of the information in the XX/XX/XXXX notice we received from National Credit Systems on XX/XX/XXXX. Please note they have dinged each credit reporting agency differently from what their notice in XX/XX/XXXX states. We still maintain our position of disputing this and this company has used unfair and unethical practices, in modifying and changing information without notification of changes, information reported to credit bureaus. 

According to South Carolina Department of Consumer Affairs letter they did not make any progress with this company responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Fedloan Help
State: HI

Complaint narrative:
I've been sitting on school loan from the XX/XX/XXXX 's which originally was {$7500.00} that I have been paying on and off. But due to life circumstances it's now pushing {$30000.00}. The Fedlaon can't even give me on how much I've paid into this for the last 30+ years because its changed so many different hands. It started as a private loan, that much I know. I've reached out over the years for information and can not seem to get any details so I just keep applying for forbearances as the principal continues to grow and grow. 
My Circumstance ... 
My wife and I lost our only son back in XX/XX/XXXX. ( XXXX, XXXX XXXX ) We went through a hell of a court battle through the Florida court system all the way to the FL Supreme Court where we eventually lost but, my wife and I are survivors and realizing after years, it's now our cross for the rest of our lives. 
I'm XXXX years old and lost everything when my son passed and at the time, I couldn't care less. Now getting back on my feet slowly and hopefully I can have some kind retirement and definitely sleep a little better with this monkey off my back. 
However, there has been a good thing come out of this tragedy, my wife and I played a very influential part and passed House Bill No. 67 in XX/XX/XXXX that XXXX XXXX signed cited as the " Gordon and Miulli Act Its a defibrillator law for schools and park districts in the state of Florida. It was all my son needed to be saved.. ( Again, XXXX XXXX XXXX or the XXXX XXXX XXXX ). In which case should be considered a Public Service of some kind.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX, account no.XXXX  is erroneously reporting on my XXXX AND TRANSUNION reports post dispute.The account, balance history, charge-off status ... everything is wrong.First of all, what they are missing was that I paid off the account, over the phone with my XXXX  debit card when the total balance was about 250 dollars..no evidence of that in the record.Secondly, the account is re-aged, the date of 1st delinquency is about 9 months prior to what the record states.

Delete the account from all bureau files ... I can acquire my bank records any time I need it even if they are archived to prosecute the bank and the bureau for statutory damages due me.When my purse was stolen in late 2014 for which a police report was filed someone gained access to my identity and opened many credit accounts in my name.If they were able to abuse this account, they did, they were professional thieves.

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 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX/XXXX, ACCT. NO. XXXX IS WRONGFULLY APPEARING ON MY XXXX   AND EXPERIAN CREDIT FILES. 
I have never opened an account, received a card, charged anything or received any merchandise.My PURSE WAS STOLEN in late 2014 for which a police report was filed at the time.Many accounts were opened and much damage was caused by these thieves. 
Delete the account from my files, I have nothing to do with this company or 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 2018-06-22 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: DISCOVER BANK
State: NJ

Complaint narrative:
I have been disputing several charges from XXXX that were charged to my Discover card starting in XX/XX/XXXX and XX/XX/XXXX. The charges are as follows : {$920.00} XX/XX/XXXX {$910.00} XX/XX/XXXX {$710.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$710.00} XX/XX/XXXX These charges I have been disputing since XX/XX/XXXX and again in XX/XX/XXXX and both time Discover has sided with Hotels.com. I then turned my attention directly with Hotels.com and received several emails from them saying they tried to refund my card but the hotel didn't authorize and then they also stated that I should take that issue up with my credit card company as they can't do anything further for me. The documents that XXXX submitted to Discover were print outs of the reservations one with a ales name that I am not associated with and the documents didn't have my signature. They also submitted a copy of my XXXX picture with documents to state that it was valid. It is not and I am sick and tired of this. I love my Discover card but this is wrong on many levels. I feel robbed. I am attaching the emails and also copies of charges that hotels.com made to another credit card without my authorization. I have had my personal information stolen previous to this and now I can't get this corrected. I shouldn't have to pay for anything that I didn't authorize. I have attached all my supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX/XXXX, ACCT. NO. XXXX IS WRONGFULLY APPEARING ON MY TRANSUNION AND XXXX CREDIT FILES. 
I have never opened an account, received a card, charged anything or received any merchandise.My PURSE WAS STOLEN in late 2014 for which a police report was filed at the time.Many accounts were opened and much damage was caused by these thieves. 
Delete the account from my files, I have nothing to do with this company or 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