vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
The Online Collections agency did not send me any notices until I put in a change of address from a former address after my XX/XX/XXXX XXXX stay. Online only has ever informed me ( in writing ) that the group they represent is XXXX XXXX XXXX of California. Upon receiving their Notice in early XXXX, I disputed. I researched with the XXXX XXXX XXXX XXXX my records from the date of Service being claimed by this collection agency. There was and is no record of the physician group online says they are collecting for. I called online more than once and sent them a letter asking them to please provide me the billing office information so that I may obtain the proper ICD 9 and CPT codes to submit the bill to my insurance. 

The hospitals providing services has contracts with preferred providers which require that they obtain the proper patient and billing information from the hospital 's billing office. The doctor performing services submitted his billing to his COMPANY, not my insurance and further billed me as a self-pay patient. I was in a coma and unable to speak for myself ; the patient advocate clearly remembered my case and hospital stay and has been very helpful in bringing me to the beginning of a resolution. 

1. Online collections knowingly provided false information for the doctor group initiating the claim. This agent used the fact that I wanted insurance to pay as my " refusal to pay '' the amount owed. 
2. Online collections is billing for the incorrect amount due. The patient advocate for the hospital helped me find the true provider that matched the hospital contract for physicians at the time and was able to verify that XXXX, XXXX phone XXXX is the billing service for the physician seeking payment. Further more as of XX/XX/XXXX XXXX is in receipt of my insurance billing information and will submit a proper bill to be paid. 
3. Because the physician performing services submitted an initial incorrect bill and there were no billing protocols prior to collection attempting to collect followed I find this matter to be improperly placed in collection services and therefore fraudulently affecting my credit. The amount of the original billing is incorrect and so the collection matter should be removed at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-06-11 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: NC

Complaint narrative:
I recently applied for a furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. 
XXXX {$2000.00}

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 2020-06-11 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: NC

Complaint narrative:
I recently applied for a furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. 
XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.

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 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC does not allow me to link my account directly to investment accounts using XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has added two credit card add on products to my credit card. They are Lost Wallet Protector and Credit Secure. Both products are very similar and are sold by American Express. Neither add on was needed nor wanted. Since I did not sign up for these products, they were never used and no benefit was ever received. I am a senior citizen on a fixed income and have limited ability to communicate in English since Spanish is my primary language. I have been retired for many years and only found out this month that both charges were for credit / identity monitoring services. Credit Secure started charging on XX/XX/XXXX and charged {$14.00} every month thru XX/XX/XXXX. I did not ask for the service to be started or stopped. Furthermore, this service is online and I never even logged on to see it since I have limited digital abilities. Lost Wallet Protector was also charged {$39.00} to the same credit card. After calling American Express, I found out that until XX/XX/XXXX it was charged yearly. American Express would not tell me when these charges began but I found them every year since at least XX/XX/XXXX. Previous years were probably charged, I just don't have copies of those statements to verify it. I did not ask for Lost Wallet Protector nor did I cancel it since I was not aware of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. 
XXXX {$2800.00} XXXX {$8800.00} XXXX {$1200.00} XXXX {$520.00} XXXX {$3800.00} XXXX {$19000.00} XXXX {$3500.00} XXXX {$0.00} XXXX {$620.00} XXXX {$2300.00} XXXX {$4000.00} XXXX {$4000.00} XXXX {$2000.00}

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 2020-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one has an account that originated in XXXX, in XXXX my husband 's wallet was stolen and they issued a new card. At some point XXXX bought capital one, and subsequently sold my debt to XXXX XXXX XXXX. According to XXXX XXXX XXXX, The debt is the capital one account that they are collecting on and they purchased it in XXXX. They indicate that the XXXX years is from the date that they purchased the debt and it will not just fall off until XXXX. These are reported separately on my credit report and I have disputed it several times. Neither company will remove the negative remark nor will they provide proof I had XXXX separate credit cards that I opened. I have never had a credit card with XXXX nor did I have XXXX capital one  accounts. The XXXX XXXX  account that was opened by my XXXX prior to my XXXX  should have been dropped off credit XXXX if this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11 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: TN

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly a collection/XXXX in the amount of {$3900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX has been fraudulently taking money from students and XXXX has recently be charged for this criminal activity. Per the terms of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX released on XX/XX/2019, XXXX is going to have to forgive almost {>= $1,000,000} in outstanding student loans for students of XXXX XXXXXXXX XXXX. ( I have attached a copy of the article posted for reference. ) I have tried to contact XXXX however, the XXXX is closed and there is no one to answer the telephones and/or answer any questions. This student loan should not be reporting on my credit report. I did not know there were any collections until I obtained a most recent copy of my credit report. I never received any communication from XXXX regarding this account. I have also contacted the bureaus to remove this line item however, I have not been successful. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: AR

Complaint narrative:
I Have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX  XXXX {$4200.00}

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 2020-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
In late XXXX or Early XXXX i received a notification regarding my XXXX  account, Ability Recovery Services has listed an account on my reports. XXXX XXXX XXXX XXXX i called them and spoke with a agent there i let him know this account was previously removed due to being within my Bankruptcy XXXX XXXX. This information was also listed under the account information under my XXXX account. 

The agent stated I do not see you under Bankruptcy and demanded i send him my bankruptcy documents. 

I do not have those documents on hand and with the XXXX effecting the courts it would be difficult for me to get them in a timely manner. At that point i called XXXX   and the agent there, seen the Bankruptcy status on the account as well and submitted a dispute. 

The account was removed from XXXX. 

XXXX XX/XX/XXXX i checked my XXXX report and it is listed on this report still, after i have submitted a dispute. This account was removed from all reports previously Ability Recovery Services XXXX XXXX XXXX {$820.00} Account Opened XXXX XXXX Account Updated XXXX XXXX This credit agency is reporting false information, they are literally putting false dates in order to collect funds again for accounts that are closed. This is hurting my credit. i am in the process of becoming a mortgage broker and striving to repair my credit but this company is making it hard. 

Please investigate and help ASAP

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 2020-06-11 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.

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 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
chase bank charge XXXX dollars in overdraft fees all the branches are close in my neighborhood at the beginning of XXXX  THE STATED THEY ARE WAVING ALL BANKING FEES for transfer and overdraft what is going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11 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: OR

Complaint narrative:
Equifax is incorrectly reporting a Chapter XXXX Bankruptcy on my credit report. They are claiming the bankruptcy to be " verified '' and therefore will not remove it. I have a letter from the United States Bankruptcy XXXX XXXX XXXX Oregon 's Chief Deputy Clerk, stating, " XXXX XXXX, The Bankruptcy XXXX does not report to the credit reporting agencies and has no control over the credit reporting agencies. '' ( see attached docs ) I have a security freeze and an opt-out/suppression in place with XXXX XXXX ( see attached docs ) which legally forbids them from reporting any of my information to all XXXX Credit Bureau Reporting Agencies, and any other third party Agencies/Creditors. I also attached Security Freeze & Opt-out Suppression Documents from XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, & XXXX. Please instruct Equifax to remove the XXXX XXXX Bankruptcy, Case or ID # XXXX, Date Filed XX/XX/XXXX, Date Verified XX/XX/XXXX, Date Reported XX/XX/XXXX, Current Disposition Date XX/XX/XXXX ; as this information/item is inaccurate, unverifiable or unfair as per FCRA Section XXXX ( a ) ( XXXX ) ( A ). 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: LA

Complaint narrative:
I CHECK MY CREDIT REPORT AND NOTICE SOME INNACURATE AND INCOMPLETE ITEMS ON IT, SO I SENT A LETTER TO TRANSUNION ON XX/XX/2020 ABOUT THIS SITUATION ASKING TO VARIABLE PROOF OF THE INFORMATIONS UNDER THE FCRA XXXX XXXX XXXX SECTION XXXX ( a ) ( XXXX ) ( A )

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 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I regularly paid my ex XXXX XXXXXXXX {$760.00} each month for child expenses. On XX/XX/2019, I sent a payment of {$760.00} to a wrong person with the same last name XXXX via transfer with my Bank of America checking account. Later I found I sent the payment to a wrong person and filed a claim with Bank of America to reverse the payment. The claim number is XXXX. 

Bank of America was not able to reach the person who received my money. They were not able to tell me the name, account number, address, or phone number of the person received the money. They closed my claim even after I called many times. Until now I have no clue who received my money. The BOA representative suggested me to go to the police and then the court, but I don't even have the the other party. That is not helpful at all.

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 2020-06-11 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: TN

Complaint narrative:
XXXX  ; XXXX XXXXd Transunion are reporting incorrectly a collection/XXXX in the amount of {$3900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX has been fraudulently taking money from students and XXXX has recently be charged for this criminal activity. Per the terms of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX released on XX/XX/2019, XXXX is going to have to forgive almost {>= $1,000,000} in outstanding student loans for students of XXXX XXXXXXXX XXXX. ( I have attached a copy of the article posted for reference. ) I have tried to contact XXXX however, the XXXX is closed and there is no one to answer the telephones and/or answer any questions. This student loan should not be reporting on my credit report. I did not know there were any collections until I obtained a most recent copy of my credit report. I never received any communication from XXXX regarding this account. I have also contacted the bureaus to remove this line item however, I have not been successful. This false reporting of a collection/XXXX  is seriously harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation