vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-29 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: FL

Complaint narrative:
I am beyond exhausted trying to have this problem solved with this company called XXXX XXXX XXXX in connection to XXXX XXXX XXXX. XXXX XXXX XXXX has been calling me threatening me and harassing me regarding a debt I had no knowledge of. After doing extensive research with the hospital I discovered that this debt that they are oppressive about and verbally abusing me for is an account for my underage daughter. ( Under XXXX years old ) This debt that they are claiming that I owe I had insurance that covered that medical visit. XXXX XXXX XXXX has called my workplace, my child 's School Camp, my neighbors and references that were listed on our medical sheet!!! They have called everyone who we'd known at this point except our family pet dog. At this hospital visit I sign a HIPAA form Privacy Act document. XXXX XXXX XXXX has violated our family rights in so many ways that we're ready to sue. At this point this is my last attempt to have this resolved and closed and removed off of my credit reports. I need XXXX XXXX XXXX to provide me the coordination of benefits sheets that provides all the procedure codes and the XXXX code sheet with an original signed document from me the parent of an under-aged child method of verification for this debt. I have currently opened disputes with all the credit bureaus regarding this collection that they have reported falsely on my credit report. I have filed complaints with the FTC and the Better Business Bureau about this and openly willing to share this experience with the media regarding this false reporting. I've called them on several occasions to resolve this and all they have done is yelled at me and oppressed me. I requested that they cease and desist the phone calls and letters they've been sending uncontrollably and they have violated my rights by continuing to communicate with me and this has made my child miserable!! Should they not remove this off of my credit reports I will sue for defamation, Financial injury, and willful injury under the FCRA section 623. I have supporting documents and proof where they violated my rights which I can sue under the fdcpa section 805 ( C ) regarding my cease-and-desist letter. XXXX XXXX XXXX   needs to immediately delete and remove this collection account off of my credit reports otherwise I will move forward with taking legal action against them. XXXX XXXX XXXX also doesn't own this debt and have also violated under the credit laws which were updated XX/XX/2018 regarding Medical collections under the HIPAA Privacy Act. 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 2018-07-29 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: KY

Complaint narrative:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 
XXXX/XXXXDate of Inquiry : XX/XX/XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXX XXXXDate of Inquiry : 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 2018-07-29 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: KY

Complaint narrative:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are  unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 
Inquiry : XXXX Date of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 XXXX XXXXDate of Inquiry : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$950.00} Closed XXXX/XXXX Closed : XX/XX/XXXX + {$0.00} Closed STUDENT LOANS XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX + {$1800.00} 120-149 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX + {$1800.00} 120-149 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX + {$1800.00} 120-149 Days Late Show closed ( 4 ) OTHER LOANS XXXX/XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX/XXXX Closed : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$1500.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$1000.00} Needs Attention XXXX XXXX Last reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$730.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$440.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$190.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$100.00} Needs Attention

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 2018-07-29 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: KY

Complaint narrative:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately.Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/2018 Inquiry : XXXX XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXX/XXXX XXXXDate of Inquiry : XX/XX/2018

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 2018-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Santander bank employee advised me not to make a payment while she investigated my account ... during this time they reported me late to the credit bureau even tho they told me not to pay it.

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 2018-07-29 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: PA

Complaint narrative:
I reached out to all three credit bureaus about multiple inquiries on my file from capital one 4 listed and XXXX XXXX and XXXX. I let them know that I have a alert that I must be called before issuing credit. I let them know that I have not been reached because number on file is incorrect and companies can not pull my file without notifying me. I asked companies directly about this and they always forward me to XXXX, XXXX or XXXX. ( Multiple calls ). I am sent back and forth and multiple calls with no appropriate help. I would like these inquiries off my credit report I feel like they should not run my credit without the proper permission. Please assist in helping me to remove these unauthorized inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
Upon checking my credit report on XX/XX/2018, I found that I have an open collections account for a payday loan. I am under the impression that this is a result of identity theft or a mistaken identity. Despite my calls to Midwest recovery and letters sent out to Midwest recovery, I have not received a proper response as to how or why did this collection show up on my report. I have not been provided proof that this debt is indeed mine. I also sent a letter to all three credit bureaus regarding this matter, and have yet to receive documentation proving that this debt is indeed mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
This is the 4th Collection agency to attempt to collect. Please refer to my original complaint submitted on XX/XX/18, CFPB number XXXX. My dispute this time is with Convergent who is attempting to collect this debt of {$260.00} As with the other collection agencies of XXXX, this debt was never verified. This has to stop. I am attaching the paper work from my original complaint and the lastest collection effect.

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 2018-07-30 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: CA

Complaint narrative:
I have 3 accounts listed on my credit report that I have requested that Trans Union verify and send proof of verification of the payment history and the balance. XXXX XXXX is being reported as being sent to collections with 30, 60 and 90 day lates and charged off. I have requested proof from Trans Union that this information is correct. According to my records and XXXX XXXX this account did not go into collections, has never been late and has a {$0.00} balance. XXXX XXXX XXXX is listed twice on my credit report for 1 loan and with a total balance of $ XXXX. There is only one loan, and the balance is {$0.00}. I have requested 3 times for Trans Union to verify these accounts. And all 3 times they have came back as verified, but will not send me any proof. They list only a partial account number on my credit report so there is no way this information has been verified.

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 2018-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Bbva compass closed my account. I received no notification it was just closed and then when i contacted them in regards to when i will recieve my funds I was given no direct response. I then tried to reach back out XX/XX/2018 and the company blocked my number providing me with a busy signal XXXX everytime I called. I had to call from another number this indicated that the company purposely blocked my number. I will like for bbva compass to return my funds and give me a direct response on when i can expect to recieve it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-30 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: NY

Complaint narrative:
Please these accounts don't belong to me. Please help Im not smart enough to talk to these people they scare me. 
XXXX XXXX Reported : XX/XX/XXXX + {$950.00} Closed XXXX/XXXX Reported : XX/XX/XXXX + {$0.00} Closed OTHER LOANS XXXX/XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX/XXXX Reported : XX/XX/XXXX + {$0.00} Closed STUDENT LOANS XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed Hide closed ( 4 ) Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX   report.

XXXX/XXXX  Inquiry : XX/XX/XXXX + National Credit Card Cos.  
( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX + Telephone Companies ( XXXX  ) XXXX  Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score.

XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$1000.00} Needs Attention XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$1500.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$100.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$190.00} Needs Attention XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$440.00} Needs Attention XXXX XXXX XXXX   XXXX {$1800.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$1800.00} - - Installment Negative XX/XX/XXXX You have 5 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX/XXXX/XXXX  XXXX   {$950.00} {$600.00} 158 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX/XXXX  XXXX  {$0.00} {$400.00} 0 % Revolving Negative XX/XX/XXXX XXXX/XXXX XXXX   XXXX - - - Installment Paid XX/XX/XXXX 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 2018-07-30 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: NY

Complaint narrative:
Please these accounts don't belong to me. Please help Im not smart enough to talk to these people they scare me. 
XXXX XXXX Reported : XX/XX/XXXX + {$950.00} Closed XXXX/XXXX Reported : XX/XX/XXXX + {$0.00} Closed OTHER LOANS XXXX/XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX/XXXX  Reported : XX/XX/XXXX + {$0.00} Closed STUDENT LOANS XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed Hide closed ( 4 ) Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your Equifax report.

XXXX/XXXX Inquiry : XX/XX/XXXX + National Credit Card Cos.

( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX + Telephone Companies ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score.

XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$1000.00} Needs Attention XXXX XXXX , XXXX  Reported : XX/XX/XXXX + {$1500.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$100.00} Needs Attention XXXX XXXX XXXX, XXXX Reported : XX/XX/XXXX + {$190.00} Needs Attention XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$440.00} Needs Attention XXXX XXXX XXXX XXXX {$1800.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$1800.00} - - Installment Negative XX/XX/XXXX You have 5 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX/XXXX/XXXX XXXX   {$950.00} {$600.00} 158 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX/XXXX  XXXX {$0.00} {$400.00} 0 % Revolving Negative XX/XX/XXXX XXXX/XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Cbna Inquiry from XX/XX/XXXX All Banks This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this credito

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