vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
This is regarding WakeField & Associates Debt , Inc. 

Contact info for them : XXXX or XXXX XXXX XXXX XXXX XXXX, TN XXXX I received a statement from XXXX XXXX XXXX in late XXXX of XXXX and arranged a payment schedule with them. I was out of the country visiting family and when I returned, I received a call from them stating they had missed my payment. Right away I made a payment ( XX/XX/XXXX ) for {$92.00} and they sent me a receipt. I've been receiving repeated phone calls with the latest being around XXXX XXXX  on XX/XX/XXXX from WakeField & Associates stating I needed to pay {$94.00} for this bill. I advised them I paid the bill back in XXXX and they needed to update their records. Their representative XXXX advised me the bill was still due but stated if I wanted I could send a receipt. I advised him I would call back. 

I called back and spoke with XXXX XXXX ( Employee ID # XXXX ) on XX/XX/XXXX where I requested the email to send the receipt stating the account had been satisfied in full for {$92.00}. 

I noticed they are collecting interest, on medical debt! What an absolutely abusive and corrupt company. 

I also wanted to confirm they had another account against me which he provided the account number for ( XXXX ) for {$60.00} due to XXXX XXXX XXXX. XXXX stated the balance due was {$60.00} and the initial contact via mail was sent on XX/XX/XXXX. I asked XXXX what the date of service was and he stated XX/XX/XXXX. A 3 year old debt was now being presented against me without any  evidence or verification of this debt? I asked him how long ago the account had been placed into collections. 

XXXX XXXX advised me that WakeField & Associates received this account and entered it into their system on XX/XX/XXXX and didn't bother notifying me until XX/XX/XXXX. I wonder how much of this is interest. I advised him I was tired of their abusive acts and was willing to spend my time fighting this and showing others how corrupt the company he works for is. I requested to speak to a supervisor and XXXX XXXX stated a supervisor was not available today but could call me between 24-48 hours. 

I asked XXXX XXXX to confirm the following : " I was not able to speak to a supervisor or a floor leader for a collections agency that is attempting to collect a debt in the state of Tennessee, and that said supervisor or team leader was not even present that evening. '' He said yes ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc.
State: IA

Complaint narrative:
On XX/XX/2019 I received a negative decision from Sagestream LLC, I originally applied for a XXXX Store Credit Card. Their decision was based on quote " most significant reason ( s ) where you did not score well are listed below : Your Credit Score XXXX Date : XX/XX/2019 Not enough bankcard experience Invalid phone number of applicant Number of subprime finance inquiries Number of inquiries '' ( End of quote ) Quote was based on the written decision letter from Sagestream LLC and XXXX XXXX, Creditor I monitor my credit via XXXX XXXX   and several of my credit cards offer credit monitoring. My credit score has been consistent between the three major reporting agencies ranging between 220-260 points above the score represented on this writing. 
I started out by contacting XXXX. I was told to contact XXXX. When I contacted XXXX, I was told to contact Sagestream LLC. I'd like to note that on the letter I received from XXXX it stated to contact the creditor listed on the top left of the letter. That Creditor is/was XXXX XXXX. I have attempted to contact Sagestream on three separate dates and had to leave voicemails each time. The recorded greeting states that Sagestream will contact You/me within twenty-four hours. I have not received any response. I have direct experience working with credit reporting agencies and in the fifteen years I was involved in lending I never witnessed this large of a discrepancy. I ask for this credit score to be removed from my record as it is based on inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL

Complaint narrative:
Thos account was sold to me as a 0.01 % processing charge. This charge would be made on every credit card transaction that I made using any credit card. The service was also sold as a $ 0 monthly fee with no minimum cards process per month. There were no hidden charges. The only thing I would be charged would be 0.01 % and that would be for a month to month service and a {$0.00} cancelation fees. The sales representative clearly marked 0.01 % on all pages on the contract. Ther sales rep also crossed off any sections that did not apply to what he was selling ( 0.01 % processing ) the rep also crossed off the cancelation fee and put {$0.00} showing there was no cancellation fees or charge. If I was not satisfied I could cancel without any hassles. After receiving the equipment in the mail and using the processor for a few test runs over 1 month. I noticed I had minimum charges on my bank account for random amounts of {$50.00} to {$75.00}. Also notice the transaction fees were about 0.06 % - 0.08 % not what was advertised by the rep of 0.01 %. After contacting the company and advising them that I would be canceling the service. I was told their sales representatives are liked " used car salesman '' and they say whatever they can say to get the contract signed.O I advised this was fraudulent and inwould not pay. Ibwas told they had very clevar salesman techniques. I was also told I could settle my account for a minimum of {$2000.00} which I refused to. I was also told I could then settle my account for a minimum of {$1000.00} which I also refused to. The account representatives told me they would just send me to the collection and eventually they will get some type of funds from me. The name of this company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: LA

Complaint narrative:
I have some errors on my credit report that I already tried to fix. I sent letters to all 3 credit bureaus in XX/XX/2019 regarding several accounts that should not be on my report. I sent the letters certified mail and received the confirmation receipts. It has been over 90 days and I have not seen any changes on my report despite the fact that I followed the exact instructions on the FTC website. 

Attached you will find the exact letters I sent to the credit bureaus which include all the accounts I am disputing. I have not use my credit in the past 7 years so there should not be any accounts on my report that is negative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 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: NV

Complaint narrative:
an unknown collection agency showed up on my credit report. 
I disputed with the credit reporting agency. 
they stated it was verified and is accurate. ( cc of the tradeline on my report with Equifax and XXXX  attached ) I sent a validation letter to the company XXXX XXXX. ( copy of letter XX/XX/2019 attchd ) they failed to verify or validate the debt ( copy of their XX/XX/2019 response attchd ) in addition to being an unknown unverifiable tradeline on my account the information they are reporting is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 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: NV

Complaint narrative:
an unknown collection agency showed up on my credit report. 
I disputed with the credit reporting agency. 
they stated it was verified and is accurate. ( cc of the tradeline on my report with XXXX  and transunion attached ) I sent a validation letter to the company XXXX XXXX. ( copy of letter XX/XX/2019 attchd ) they failed to verify or validate the debt ( copy of their XX/XX/2019 response attchd ) in addition to being an unknown unverifiable tradeline on my account the information they are reporting is inaccurate.

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 2020-01-14 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: AMCOL Systems, Inc.
State: NV

Complaint narrative:
an unknown collection agency showed up on my credit report. 
I disputed with the credit reporting agency. 
they stated it was verified and is accurate. ( cc of the tradeline on my report with XXXX  and XXXX   attached ) I sent a validation letter to the company Amcol Systems. ( copy of letter XX/XX/2019 attchd ) they failed to verify or validate the debt ( copy of their XX/XX/2019 response attchd ) in addition to being an unknown unverifiable tradeline on my account the information they are reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: Navient Solutions, LLC.
State: LA

Complaint narrative:
I am the victim of identity theft, someone has taken a student federal loan out using my information. Back in XXXX location XXXX Virginia, I have lost my purse, which pertained my social security card, credit cards, I.D, and other important information, it has been a few days since I've discovered purse missing. I have learned about fraudulent loan whenever I checked my credit report back in XXXX of spring, I have discovered there's over {$85000.00} in student loans taken out since XXXX, this discovery was very surprising and upsetting, I have filed a police and FTC identity theft report and contacted all 3 credit bureaus to dispute false accounts, after explaining and sending them supporting documents, all 3 credit bureaus has cooperated by deleting loans off my file within 30 days, I have contacted Navient to report fraudulent accounts ; I have explained what happened and confirmed with them I am not the account holder of loan, I have also sent police report via mail along with other supporting documents, within 30 days Navient sent me a letter stating they were unable to confirm my claim of identity theft on loan, I have never been so upset. I've also explained to Navient that I've tried calling XXXX   XXXX and received a busy tone, along with research school and discovered school no longer exist and that it's not accredited, not only do I have student loan taken out in my name, but the school does not exist! that's insanity. Navient and XXXX  XXXX has destroyed my life, I just want this issue resolved, so I can get my life back. please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I deposited XXXX into my bank account on XX/XX/2020 and the atm spit back out {$20.00} because it was ripped. Machine then said error and did not even print me out a receipt or anything. I contacted Bank of America and filed the dispute. They said in 2 days I would recieve a temporary credit. After the 2 days I noticed that my claim was closed. I contacted Bank of America again and they still have not been able to help me. Thats XXXX of my hard earned money pretty much lost

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 2020-01-14 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
The original account was with Chase however, it was sold twice so how can Chase continue to update my account with inaccurate information. The account was settled and paid to XXXX XXXX in 3 installments of {$180.00} each. Chase continues to mark me late when I was making payments. The installments were made on XX/XX/XXXX ( I was marked late ), XX/XX/XXXX and XX/XX/XXXX ( Continued to mark me late ). Why is Chase continuing to mark my account to the credit reporting bureaus as late when they no longer own the account. Chase reported my account as a charged off therefore, it should be reported as {$0.00} balance and no data. They continued to report it as late and while the account was paid and settled with XXXX they updated my account as late. This account needs to be deleted for inaccurately reporting my data wrong. Does Chase own my account still or does XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
Well first I told them not to call me at work. They have called me in a Sunday at XXXX. They also call me after XXXX which by law they are not suppose to. They also have never identified their company or the fact that they are attempting to collect a debt which by law they are suppose to do so as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
On XX/XX/2020 XXXX XXXX received a dispute from me regarding an alleged debt that I owe. They bought a debt from XXXX XXXX who claims that I owe {$1500.00}. I've never had an account with XXXX XXXX, therefore I don't owe anything to that company. I asked XXXX XXXX to provide documentation that proves this debt is mine. They could not. They sent me 7 pages of documents in which NONE bared my signature. There were pages that had my name typed in but nothing that shows where I signed. That is because I never signed anything and this claim of debt is completely erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Credit Plus Inc
State: TX

Complaint narrative:
Credit plus is on my credit report this is an error

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2019 synchrony bank deliberately committed fraud sending me l letter saying my credit score was XXXX and approved me for a card at 24.49 % I believe this is a predatory lending practice based on my race and not even acknowledging my real credit score of XXXX the lowest of all three credit reporting agencies

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 2020-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SD

Complaint narrative:
We mailed check numbers XXXX for {$250.00} and XXXX for {$1000.00} to our loan company and they received them on XX/XX/2019. Check XXXX was for escrow shortage and XXXX was for the XX/XX/2019 payment. They both cleared our bank account on XX/XX/2019. Then on XX/XX/2019, we received a notice in the mail that we still owed the XXXX payment. We contacted the company and they claimed to have no record of our payment. We have a copy of the check that the mortgage company deposited. The customer service person put us in touch with a supervisor who claimed that the payment was credited to another person 's mortgage but they were not sure whose. Since then, we have not heard a word from the mortgage company about where our payment went and they have not credited our account nor refunded us the money.

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 2020-01-14 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I am a victim of identity theft. I have filed a police report and filed a complaint through the XXXX. In the year of XXXX I misplaced my purse at XXXX with my dl & social security cards, debit card for me and my children.The following items are appearing on my credit report as a result of being victimized I am requesting that these items be removed immediately as it is destroying my credit reputation. I had no knowledge of these accounts until a year ago and tried disputing directly with credit companies. Please help me with this matter. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: FL

Complaint narrative:
I purchased an airplane ticket from XXXX XXXX for {$250.00} on XX/XX/XXXX with my citi costco  anywhere card. This flight qualifies for the Trip cancellation benefit from the citi costco  anywhere card. 

The citi costco anywhere card removed Trip Cancellation benefits on XX/XX/XXXX for purchases on that date or the future. 

When I learned of XXXX XXXX going out of business I called XXXX XXXX at XXXX on XX/XX/XXXX and XX/XX/XXXX and it didn't connect. I called at a different time and left a message but I never received a call back. 

Since XXXX XXXX was going out of business and I wasn't going to be able to travel with them I disputed the charge with citi bank on the phone on XX/XX/XXXX for Goods / services never received. I provided all the necessary details. 

Citi provided a conditional refund. 

Unknown to me, citi said they sent me message on their website on XX/XX/XXXX saying they needed more info. I didnt respond to this because I didnt know they sent a message on their website. 

On XX/XX/XXXX citi sent a letter saying they closed the dispute in XXXX XXXX favor even thou they were going out of business. They took back the conditional refund. 

Citi bank never called or sent me a piece of certified mail asking for more information about a company that was going out of business. On XX/XX/XXXX I logged and saw the notices from the XX/XX/XXXX and XX/XX/XXXX. I chat with an agent and they said to email citi at billingdisputes@citi.com. I sent them an email stating I never received their website notice. On XX/XX/XXXX I called since I hadnt heard an answer, XXXX on the phone said she has never heard of XXXX XXXX and couldnt help since it was past the time alotted. 

I had to purchase a new ticket ( {$560.00} from XXXX on XX/XX/XXXX ) for more money than I originally purchased from XXXX XXXX to repair my travel plans. 

Since I did not receive their travel services due to them no longer operating, I expect the cost of the new flight to be covered {$560.00} per the trip cancellation benefit that was valid on 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 2020-01-14 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: NY

Complaint narrative:
I reached out to the credit bureau to remove unauthorized and unverified information on my credit report and they have not yet removed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 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: MS SERVICES LLC
State: CA

Complaint narrative:
MS SERVICES LLC, acct.no.XXXX, A collector for original creditor, XXXX XXXX XXXX XXXX is wrongfully appearing on the BIG 3 credit bureau reports and possibly others.This can only be interpreted as a secondary level of extortion.ALL OF THE DEBT evolves from a @ XXXX dollar deposit not credited in a timely manner according to the banks disclosure booklet, resulting in more than 10 @ XXXX dollar check bounce fees on many small items of approximately {$4.00} to {$10.00} dollars each.By not crediting the deposit made hours before the proper disclosed business cutoff, and taking their time to credit the deposit which paid overnight, the unscrupulous bank self-generated about {$350.00} dollars in fees.FEDERAL RESERVE GUIDELINES FOR HOLDS WERE NOT FOLLOWED SO THAT THE BANK WHICH RECEIVED A DEPOSIT THAT PAID IMMEDIATELY COULD SELF-GENERATE XXXX DOLLARS IN FEES.THE ERROR PRONE, UNSCRUPULOUS BANK HAS NOW TURNED THEIR ILLICIT GAME OVER to the collector, MS SERVICES LLC who credit damages me in their extortion attempt.

Company response to consumer: Closed with explanation