vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-11 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: FIDELITY CAPITAL HOLDINGS, INC
State: WA

Complaint narrative:
On XX/XX/2019, I received an e-mail from XXXX ( the company I file my taxes through ) with an unusual subject line. The message in the body of the email stated : " ... your debt in collections has gone up. Your XXXX  credit report shows that the debt you owe to collectors has increased to {$2300.00}. '' However, I was alarmed as I did not recognize any of the company names and upon research, the location of the companies are ~1,500 miles from my current location. It was through the tax report portal that I saw and knew of this " collections charge '' for the first time. 

On XX/XX/2019, I filed a dispute through XXXX  to report " collectors charge '' as a fraud account. The report was completed on XX/XX/2019 stating, " INVESTIGATION RESULTS - VERIFIED AS ACCURATE '' Though there are additional details in this report, none of the details, I recognize nor do I understand where they originated from. I've never done business or have interfaced with the " Original Creditor '' company, opened in account to my knowledge, nor have used their services by any means. 

I have never been contacted about this other than by the update from XXXX and no other communication or notifications by any of the parties seemingly involved. I am requesting support, investigation, and clarification as to how this occurred and as to how this can be solved. Thank you for your time in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
On XX/XX/2019, my daughter was transported by XXXX ambulance service from XXXX XXXX XXXX XXXX XXXX to another. Both facilities are in network, yet XXXX is not in network and charges more than double the allowable amount. XXXX XXXX processed the claim as in network and they were paid for 2 trips instead of one.

XXXX erroneously charged ( 2 ) trips because their driver first drove my daughter to the wrong location. They acknowledged over the phone that this was an error and promised to adjust. They have now been paid double by XXXX and continue to bill me. The debt collector said that it doesnt matter that there is an erroneous charge and that it is under review because the debt has been sold to a collector. 

I told the aggressive collection agency that the case was under review and to stop calling. Despite several requests I still have not received a copy of the trip journal, documentation of the ( 2 ) trips or charges, or a copy of the release for my signature to receive such trip documentation. 

In the meantime, Professional Bureau Collections of Maryland XXXX ( XXXX XXXX ), collections has aggressively called and left messages despite being informed that the case is still under review. I just received a message that they have now contacted my employer. This is inappropriate and must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: PA

Complaint narrative:
This company ERC has repeatedly violated my rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial and XXXX XXXX. For starters, they're reporting erroneous & unverifiable collection account to all credit bureaus in which I've asked for proof of claim and they continue to send me bills. This negative was deleted off of my credit report last year and it reappeared this XX/XX/2019. I am aware of the many complaints against this company thus far and yet they're still in business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accelerated Receivables Solutions
State: NE

Complaint narrative:
I had a debt with XXXX XXXX XXXX XXXX, which I was making payments on. I had paid almost half of the amount, and then discovered via my credit score that a debt had been sold to collections. I received a statement from Accelerated Receivables in XXXX Nebraska. I do not recall the total amount of the debt, but I have bank records to show that I remitted a {$250.00} payment on XX/XX/XXXX of 2019. I shredded the statement with some other bills that I had made payments on. Sometime in either late XXXX or early XXXX, I contacted Accelerated Receivables via their online email option. I requested either another statement, or possibly an email with my account information so I could continue to make payments, as I had shredded my account information. In this email, I advised that I have an unusual work schedule, working second shift at the local XXXX, and that phone calls usually went unanswered since most came during the hours I sleep. I did not screen shot or document the date of this email, I assumed it was a simple enough request and I would be given the needed info to continue paying my debt. The closest thing I received to contact from this company was a phone call on XX/XX/XXXX at XXXX, while I was sleeping. No voicemail was left. I never received a return email, nor did I receive a statement with my account information. I tried several ways to make a payment using their website, but every option I found required my account number, which I didn't have access to. 

Time passed, and I was served notice that I was being sued, while I was at work, getting  XXXX XXXX ready for a XXXX XXXX in the XXXX I was put in a situation where I had to put a XXXX XXXX XXXX XXXX XXXX to stop and find out I was being sued for 'refusal to pay ' a debt that I had attempted to pay. Funds are increasingly limited, and I can not afford a lawyer, so I was unable to do anything in response to this action. Now I'm getting letters about wage garnishment. I do not deny I owe the initial debt. I attempted to pay this debt. Accelerated Receivables was notified that I needed information to continue to remit payment, and refused to provide this information, making it impossible for me to make a payment on this debt. Had this information been provided, there would have been no reason for them to turn it over to the courts, and there would be no lawyers fees and court costs, which have increased the balance claimed to over {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX - XXXX, 2019 I made a selling transaction for bitcoins worth {$7100.00} on a website called XXXX. The transaction was done to 2 different individuals. One was for {$3000.00} and the other was {$4100.00}. The buyer was to send me payment through XXXX XXXX to my bank chase. Once I received the funds through XXXX I will release the bitcoins to them. And that is exactly what I did. I have receipts and everything. The next morning at around XXXX XX/XX/2019. I got out of class and tried going to the gas station to fill up my car. I used my chase debit card and it was automatically declined. I thought it was a mistake because I just checked and I had {$7100.00} in my account. I called up chase and the lady on the phone told me that my account from chase is preparing to be shut down permanently. I was confused and rushed over to the bank to talk to someone immediately. When I arrived to the bank no one could help me. They reached the fraud prevention online center and the manager of the fraud department told me that my account was flagged for suspicious activity and that my account and funds will be frozen until they finish their investigation. I tried explaining them what happened but no one seemed to cared. Not only did chase froze my account and took my money without an explanation but they also affected my relationship with other financial institutions such as XXXX  and XXXX XXXX XXXX. On XX/XX/2019 I made a payment of {$250.00} to pay off my monthly credit card bills using my chase account. And on right after I received my money from XXXX from the buyer I immediately transferred {$6500.00} into my XXXX  trading account. The money that I paid to XXXX XXXX XXXX was successfully processed and so was the funds to my XXXX  trading account. But since chase has frozen my funds and locked my account, they also reversed my payment through XXXX XXXX XXXX and XXXX. Now Im affected by not only chase but these 2 other institutions. XXXX  XXXX send me an email threatening to close my account down because of chase reversing my funds without my permission and now I have to sell out of my position on XXXX  just to even out the {$6500.00} that was supposedly already went through but is now being reversed because of chase. Everyday Ive been calling chase fraud department and theyve given me a different answer every time I have called. At this point Im out of luck and very frustrated and confused. All I want are answers and my hard earned money back. I understand that chase has the right to close my account down but they dont have the right to take my funds away from me and reverse payments that arent authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
They force me to change my password repeatedly and wont allow me to use my own password. Refuse to help and suspend my access online.

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 2019-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Acceptance Rentals, Inc.
State: GA

Complaint narrative:
Credit bureau made aware I was a victim of identity theft. Of which the listed items reported may be a result. I have no knowledge of these accounts as they are listed with redacted unknown account numbers and I have never done business with Acceptance Rentals. Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Fortiva Credit Card charged me a erroneous late fee of {$28.00}. The due date is the XXXX of each month. I made my XXXX payment on XX/XX/XXXX prior to the XXXX yet they did not post the payment until after the XXXX. They had the payment, but they did not post it until I asked them why they did not post it. After they posted it they then charged me a late fee of {$28.00} even though the post date indicated XX/XX/XXXX on my account on their website. I emailed them several times inquiring why I was being charged a late fee to which I got no response so I closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I received an email from lender saying my property tax had been paid in the amount of {$1100.00} to XXXX County, NC. I had received a tax bill from XXXX County several weeks earlier in the amount ( s ) {$620.00} ( if paid by XX/XX/XXXX ) or {$640.00} ( if paid by ( XX/XX/XXXX ). The lower amount was due to property tax relief my wife and I were approved for due to my senior citizen eligibility ( we have approval letter as well ). I contacted lender and sent them revised tax bill. I also contacted XXXX County tax office and was told any overage received would be returned to lender. When taxes still showing unpaid in XX/XX/XXXX, I contacted lender again. I was given information about a parcel ID number to which taxes were applied which did not match parcel ID on my tax bill. I called XXXX County tax office with this information and was initially told this was a tax exempt property and paid taxes should be returned to lender. As now three months had passed since problem noted, I contacted lender again and was assigned an " Escalation Agent '' in " Escalation/Help Team '' ( XXXX XXXX - ( XXXX ) XXXX is her direct contact number ). She told me she would be the person contacting me with updates. On XX/XX/XXXX I received an email from her indicating the parcel ID number where my tax escrow payment was misapplied and given a name on that account. I called XXXX County tax office with that information and payment in the amount of {$1100.00} to wrong account was verified. My taxes remain unpaid and I was told lender would have to handle misapplication but I was still responsible for property taxes due. I contacted lender again and requested immediate payment of my property taxes and fund put back in my escrow account in the amount of {$1100.00}. I advised lender I would reduce upcoming mortgage payment amounts until this amount was credited if not done so immediately. Lender agent reply was my taxes would remain unpaid until they were able to obtain reimbursement for improper payment and no funds would be returned to my escrow until that time as well. I was further advised that parcel ID error was the result of original lender providing wrong information ( my  current lender took over servicing late XX/XX/XXXX ). As of this date ( XX/XX/XXXX ) issue not resolved and taxes unpaid. It is my contention that escrow funds from my account misapplied/misuses in violation of Federal Mortgage Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Account Resolution Services Amount {$200.00} XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
SYNCB/PPC  Is on my credit report and has a 30 day late penalty. I have never seen this account on my credit report ever! I have look at my last 10 credit reports for the last 3 years and this was not up there. I havent applied for any new credit cards or loans. The total balance is {$9000.00}

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 2019-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
MBA Law, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Amount {$690.00} I dont have a contract/agreement with the collection agency and I request to be removed from my XXXX credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: EQUIFAX, INC.
State: ME

Complaint narrative:
A fraudulent collections account appeared on my credit report about two months ago. After a month, I had it successfully removed. When first encumbering my account, this fraudulent and in-no-way representative collections account droppped my credit score over 100 points by itself. When it was removed a month later, one would expect that a fraudulent account that had literal no relevance to my consumer activities or reality in general because it never existed and should be treated as such, would be followed up after its removal by an equivalent value by which it decreased your score returning to it. This is simple logic, if a certain factor is introduced that deducts 50 points away from someones measure of performance in some hypothetical area, and that factor never belonged there to begin with, is found as fraudulent and removed, any reasonable person and any acceptable interpretation of the Fair Credit Reporting Act, particularly if brought before a judge ( I am a XXXX and plan to do this if nobody else takes action about the absurdity of this ) would say that fair representation by credit reporting would mean placing the injured party into the position they would have been in and had enjoyed prior to the legal wrong, in this case a fraudulent collections account. There is nothing that can be said as to any logical merit or justifying considerations that would remotely help this clear aberration in proper methodological practice for credit reporting pass muster under any review as to whether or not such a formula is consistent with the objectives and purposes set forth in the Fair Credit Reporting Act, not to mention whether it unjustly deprives an Individual of repetitional benefits previously enjoyed before hte wrongful portrayal of credit, or whether it amounts to defamation or slander to purposely know that the information being reported isnt accurate nor based on a methodology supported by common sense let alone logic or scholarly research and whatever else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Mortgage Ser Inquiry on XX/XX/XXXX and XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

XXXX XXXX  XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

XXXX XXXX XX/XX/XXXX I dont recognize this company and this was done without my permission/consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX XXXX  Inquiry on XX/XX/XXXX and XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

Barclays Bank XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

XXXX XXXX XX/XX/XXXX I dont recognize this company and this was done without my permission/consent.

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 2019-11-11 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX Inquiry on XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

XXXX XXXX XXXX  Of Inquiry on XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

TD Bank N.A. 
Inquiry on XX/XX/XXXX I dont recognize this company and this was done without my permission/consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
You have the wrong social security number for me!! I was using a service to repair my credit and they brought it to my attention. The one you have on file is incorrect.

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 2019-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hi recently paid off my loan to BarclaysUS ... I did this online for the amount of {$4500.00} and selected to pay off loan and was given a payoff amount, so I paid off the amount. This morning at XXXX XXXX  I receive an email stating my loan paymnentin the amount of {$150.00} is due on XX/XX/2019. 

So I called and spoke to Ms. XXXX and was told that I had to go online and stop the auto pay and that it wouldn't do it itself. I told her that it wad my intention to pay off the loan and that amount was the payofff amount I was given online. She said I have a balance of XXXX cent. XXXX cent would cost me {$150.00} until I paid my loan in full! 

I don't believe this business practice and need help to fix this. 

Barclays XXXX XXXX XXXX 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 2019-11-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Had a XXXX XXXX and last Cable was paid by power of attorney but not fully. Called The company and they said any collection activity would be retracted. They are saying the item was deleted but Equifax and XXXX  are still reporting. The trade line should have Been deleted if not deleted then updated. I even disputed and they came back as accurate but it is not as it has been paid in full and even received an email for a credit back to my account from the company. Equifax and XXXX  are not reporting accurate information.

Company response to consumer: Closed with explanation