vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: CA

Complaint narrative:
On XX/XX/2017 I was transported via ambulance ( XXXX XXXX, Incident # XXXX ) from XXXX XXXX in XXXX where I was working and had an accident, to XXXX Hospital in XXXX, Ca. This is a workman 's comp issue and I have been receiving bills ever since even though I have forwarded the bill to my attorney 's, XXXX XXXX directly and XXXX XXXX Insurance. I have not been turned in to collection and it has affected my credit score. This is not my bill. My attorney 's say they are forwarding it to the XXXX Administrator but it is not getting paid. 
XXXX XXXX XXXX, XXXX is now trying to collect this debt which should not be my responsibility. I do not consent to this debt as my responsibility or that it has been turned into a debt collector. 
My credit has decreased 13 points in the last few weeks and I do not consent to this occurring. My employer / XXXX XXXX XXXX XXXX ; my attorney 's / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allgate Financial, LLC
State: GA

Complaint narrative:
On XX/XX/2017, this debt for {$390.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. 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 on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account 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 the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
On XX/XX/2017, this debt for {$80.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. 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 on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account 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 the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I received a check for a truck I sold, drawn off Bank of America in the amount of {$12000.00}. I went to cash the check at the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, and was told they would not cash the check. Because I was not a client, they told me I could open a " new '' account, but there would still be an extended hold on the check since it would be considered new. Why would a bank place a hold on their own check? I was also told I could go to my own bank, if I had a bank account, and deposit it there. I was at the branch location for at least 45 minutes and spoke to several bank employees but no one could assist me. I then tried to call the B of A headquarters number, XXXX XXXX but was not able to get through since I was not a current client. If you are not a current client of B of A, there is no way to reach their headquarters since they ask for account numbers, debit card numbers etc.. I had a friend of mine call the " headquarters '' number since she banked there, and was then directed to a call center in XXXX Arizona and she spoke with a XXXX. She presented him with my scenario and was told that back in XXXX of XXXX, B of A had changed their policy and would only cash checks for non customers up to {$4000.00}. She then asked if a check was over {$4000.00}, could the remainder be given out in a cashiers check. She was told no. There was no other alternative other than depositing it into my current bank account at another bank or opening an account at B of A. When she persisted in asking as to the rationale for this decision, not one could be given. B of A stated that XXXX Bank had implemented this policy and B of A decided to follow suit. This is quite discriminatory and forces a non customer with no bank account to open one. How is this legal?

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 2019-04-26 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: OR

Complaint narrative:
I was contacted by XXXX XXXX XXXX about a debt collection from charges allegedly originating on XX/XX/2018, when I was seen in an emergency room in XXXX XXXX. Their letter arrived one year after my visit and referenced an account with XXXX XXXX XXXX XXXX XXXX ( # XXXX ) for {$1100.00}. I never received even a single bill from this company. They are completely unreachable by phone, as I have made numerous attempts to acquire my original bill so I can pay the debt collectors if the money is indeed owed. XXXX provided me with no additional contact information. 
Over the past year, I have paid numerous providers in relation to this medical event, without issue. I have excellent credit and have never once missed a bill payment in my life. I can not believe it is legal for a company to contact me out of the blue with zero proof of a bill and demand a large sum of money. If they had simply provided me with ANY information, I would feel better about paying this money. However, their total lack of information leads me to believe I do not actually owe and this is some kind of scam.

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 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I continue to receive mail, addressed to the former resident of my house, from TD Bank ( credit card services ) even though I have been living here for over 5 years. Their customer service claims they are unable to fix the issue. I do not know if it is just junk mail or legitimate communications they are trying to reach their customer. They directed me to their marketing opt-out hotline, but I refuse to give them my social security number just so they can fix their own customer database.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a victim of identity theft. Chase bank wants to charge me for the unauthorized transactions of approximately {$1000.00} I did not make, eventhough I am showing them a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Simple Bank ( run by BBVA compass ) refused to provide provisional credit after 10 business days as required for fraud disputes under regulation E. It took them 9 business days after I filed the dispute and called multiple times to even contact visa.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Police report and FTC report completed on ID theft for this account. XXXX FL PD Case # XXXX, XXXX XXXX, Badge ID # XXXX and FTC case # XXXX. This account is not mine and is from ID theft. 
I never had XXXX and have been with my current cell provider for 10 years. 
This collection company is reporting this account opened XX/XX/XXXX and when I called XXXX they said the account is over 7 years old. So this collection company changed the date in order to try and collect a very old account which is in violation of the Fair debt collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2019 Payment was made to XXXX XXXX in the amount of XXXX for a concrete counter top. Services were not rendered and Im stuck with a incomplete kitchen county and leaking sink. I called Chase to dispute the payment for not completing the service requested and Chase is saying they cant help me. If they cant help me why are they offering a the quick pay service. I made a significant note of who it was for which was XXXX XXXX XXXX, XXXX. Im in the process of having lawsuit filed against them. However I would like my money back so I can hire a company that will complete the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: TX

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX  XXXX XXXX XXXX ; U S DEPT OF EDXXXX XXXX ; U S DEPT OF EDXXXX XXXX ; US DEPT OF ED/XXXX XXXX ; XXXX XXXX ; US XXXX XXXX XXXX XXXX ; U S DEPT OF EDXXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 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: TX

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX   XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: OH

Complaint narrative:
Suntrust is refusing to apply payments to my account, showing that I am in default of my loan or much more late than is actually accurate. On XX/XX/XXXX, the payment for XX/XX/XXXX was credited. ON XX/XX/XXXX, XX/XX/XXXXwas credited. On XX/XX/XXXX & XX/XX/XXXX, payments on {$1000.00} each were made and were not credited to my account. Those were payments for XX/XX/XXXX and XX/XX/XXXX, thus bringing the loan current. As of today, Suntrust is holding {$2100.00} in a " suspense '' account. If they were to actually apply these funds as they lawfully are supposed to, my account would show as current. I currently only owe XX/XX/XXXX, which I will pay tomorrow, but it is not the end of the month yet so I am not 30 days past due but Suntrust is showing almost 90- days which is quite 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 non-monetary relief
Consumer complaint received 2019-04-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Have been trying to use online dispute processes for TransUnion, XXXX, and XXXX, I have log ins for all of them yet I cant get any of the links to work, or I get a message that I should try again later. When I was successful, all I got was that the investigation meets FCRA, but received no confirmation that the debt was legitimate.

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 2019-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
my name is XXXX XXXX and i got a call from a debt collector for XXXX and it has the wrong complaint number on it but the account is closed and now they are trying to collect i know u sent it to XXXX XXXX   a XXXX know im getting phone calls for a closed account u sent it to the ftc and they are still trying to collect XXXX XXXX XXXX says i owe XXXX for a XXXX XXXX XXXX i dont have could u please send the right complaint to them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The personal information on my credit report is fraudulent

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 2019-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
On XX/XX/19 I sent a letter to the credit bureaus asking them to validate the debt from Caine and Weiner because I was unfamiliar with it. XXXX   removed the account. XXXX  continued to report the debt even though it could not be validated. On top of the debt not being validated. There is another company collecting on the same debt. How is that possible when the law states that only one collection company can collect on the debt? 
I requested validation from Caine and Weiner on XX/XX/19 and I never received the proper documents and they have yet to remove the account from my credit XXXX Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: FL

Complaint narrative:
Unauthorized Credit Inquiry by several companies on my Credit Reports : XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX   XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX  ( XX/XX/2018 ) I did not authorize anyone employed by those companies to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I tried to get XXXX three bureau credit report with credit score product online and paid successes fully but their system unable to get report from one credit bureau " Experian '' blocked my accesses unable to get credit report and score from them. I called XXXX customer service and they tried their end and they are unsuccessful to resolve matter. They give me Experian Credit bureau number which i called many times until i got customer representative and i explained why my report blocked, she looked my account and other information and tried it but she is unsuccessful also and only she told me send free credit report and look and match all item is correct then call us again until then. I want to know what went wrong they blocked my reports? What reason i am not getting reports? i tried Experian product too but same reason i can not get.

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 2019-04-26 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: MO

Complaint narrative:
After being a victim of identity theft I'm disputing the unknown, unauthorized accounts that's reporting on my file, and the data is currently being updated as if the fraudulent illusion was accurate. However, I'm demanding that these accounts be blocked immediately and the data reporting be stopped and removed, unless the credit reporting agencies can produce a legal certified tangible document that binds me is such signed contract, until then I'm loudly demanding that the following accounts be removed, ( # 1 ) XXXX XXXX XXXX {$1500.00}, ( # 2 )  XXXX XXXX XXXX {$130.00}, ( # 3 ) XXXX XXXX {$13000.00}, ( # 4 ) XXXX   XXXX XXXX, ( # 5 ) XXXX  XXXX  c {$350.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/2019 I spoke with a representative before I filed to re-certify my income driven repayment plan with fedloans.gov. I explained to her my situation ... that although I was making more money than the previous year, my financial obligations had also changed. My living situation had drastically changed. I am a single parent with a XXXX year old who is starting school in XX/XX/2019, which I have to pay $ XXXX  monthly for ( not by choice ) and I also now live on my own paying a $ XXXX  monthly mortgage. I was living with my parents before and was not paying rent. I moved out of their house ... now XXXX years old. I could not afford an increase in monthly student loan payments. I was paying about $ XXXX monthly, in student loans at the time. I was seeking some form of financial assistance from the Fedloan.gov student loan representative. She told me there was nothing she could do because I did not have any forebearances left and I made too much money to qualify for a hardship deferment. I in fact had a serious hardship, and was considering defaulting on my loan because of it! This interaction with this representative made me realize why people just give up paying their student loans, and let them go into default. Its bad enough that a loan that started with XXXX/XXXX at {$80000.00} turned into {$190000.00} from just the unfair interest that accrued over a few years ... but when your trying to just keep your payments the same and reasonable so that you can support your family, and you are not given any options ... it makes student loan companies look that much more shameful and abusive. As of XX/XX/2019, Im paying {$620.00} a month towards this horrendous student loan that keeps increasing, although I graduated from college over a decade ago and it has ruined my credit and forced me to consider it not being worth trying to pay anymore, so that I can provide for my daughter and I, without the grotesque hardship it is creating for us.

Company response to consumer: Closed with explanation