vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This debt has already been on my credit report for 7 years and removed by the creditor. This company claims to be a new owner of this debt and is offering me a deal to resolve it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IN

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX charged my Discover for {$64.00}. I previously cancelled XXXX prior to XX/XX/XXXX.

I called Discover around XX/XX/XXXX to file a dispute. I also called XXXX again. 
Discover denied my dispute on XX/XX/XXXX, I called again on XX/XX/XXXX and was told there was nothing I could do, even though I have documentation. The charge of {$64.00} remains on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
ON XX/XX/XXXX I SPOKE TO XXXX EXT XXXX IN REGARDS TO TWO BALANCES SHOWING NEGATIVE ON MYAH CREDIT REPORT THAT I WANTED TO PAY FROM XXXX XXXX XXXX. THEY HAD HAD ISSUES WITH THE BILLING SERVICE THEY WERE USING AND FIRED THEM AND TOOK ON ANOTHER. I LET XXXX KNOW THAT I WAS PAYING THIS AND ASKED IF BY PAYING TODAY WOULD THEY REMOVE IT FROM MY CREDIT REPORT AND SHOW AS PAID IN FULL. SHE TOLD ME YES IF I PAID TODAY AND THAT IN 30-45 DAYS IT WOULD BE REMOVED. SO I PAID BOTH AMOUNTS # XXXX FOR {$460.00} AND # XXXX FOR {$370.00} AFTER SHE ASSURED IN 30 -45 DAYS WOULD BE REMOVED. I CALLED BACK ON XX/XX/17 TO FOLLOW UP AFTER HAVING MY REPORT PULLED ASND FOUND IT WAS STILL ON THERE. SHE SAID I NEED TO CALL THE CREDIT BOUROUGH TO HAVE IT TAKEN OFF AND THEY DO NOT DO THAT, I ASKED TO SPEAK TO THE MANAGER AND THEN THE ASSISTANT MANAGER ( XXXX - XXXX ) GOT ON THE PHONE AND PROCEEDED TO TELL ME THEY DO NOT TAKE ANYTHING OFF AND NEVER HAVE IF PAID OR NOT. THIS IS NOT WHAT WAS ORIGINALLY TOLD TO ME AND I FEEL LIKE THEY SAID WHATEVER TO GET THE MONEY AND PAYMENT. IT IS STILL ON MY REPORT AND AFFECTING MY SCORE GREATLY BECAUSE OF IT. WITH THE ISSUES WITH THE BILLING COMPANY AT MY DOCTORS AND THEN THE BIGGEST ISSUE OF BEING LIED TO TO GET TWO PAYMENTS AND THEN CHANGE THAT IT WILL NOT COME OFF ANF NOW IT IS MY RESPONSIBILITY TO REACH OUT TO THE CREDIT BOUROUGH IS DISTURBING. ALL I AM ASKING IS THAT THE PAID DEBT IS REMOVED. IT IS THE ONLY THING ON MY CREDIT REPORT. I FILED AS COMPLAINT RIGHT AFTER WITH THE XXXX AND NEVER HEARD A WORD BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: VA

Complaint narrative:
I have not had any resolution with this company to prove these medical debts are mine-Now I have new debts being reported from XX/XX/XXXX-XX/XX/XXXX-new dates etc ... .I have always had insurance, so this is inaccurate information.

They have stated I received notification, but can not prove when, nor show me documentation.

I have NOT received anything of this nature and they have and several complaints of un fair practices reported.

I have contacted and found that Under the FDCPA-A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

Debt collectors resurrect old debts in an attempt to make some money. With old debts, there's a good chance the collector doesn't have the original documents proving that you even owe. 
If this is the case I demand these unknown debts to be removed from my report and to no longer be contacted from this company for the amounts of {$620.00}, {$380.00}, {$780.00}. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, & XXXX, XXXX are the 3 companies that keep showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
This is second request for help the mortgage company Select Portfolio Servicing, all repairs to my home have been completed. The mortgage company has been holding the money in an escrow account. They refusing to pay the contractor the money from the escrow account. The contract is owed XXXX from they which is in the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America : Statue of limitation has passed on the item in question.

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 2018-05-20 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank closed my credit card account with no prior notice. 
I believe Barclays is deceptive with their business practices in promoting a credit card with rewards and then shutting down my account with no prior notice and not allowing me to redeem my rewards.

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 2018-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau
State: IL

Complaint narrative:
On XX/XX/XXXX I had one day XXXX on my XXXX XXXX I received from my insurance XXXX XXXX of Illinois what I was responsible to pay {$1300.00} and paid it. On XX/XX/XXXX I received an alert from XXXX XXXX that a collection agency, Medical Business Bureau was added to my XXXX XXXX credit file. I called the Medical Business Bureau, they said I had an outstanding bill for XXXX from XXXX XXXX from XX/XX/XXXX in the amount of {$1400.00}. I never received a bill from XXXX XXXX, I also called them and they told me that my insurance information was not even on file with them. 
I also called XXXX XXXX of Illinois, they are submitting the claim to see if my insurance at the time will cover the XXXX   bill of {$1400.00}. 
So now this outstanding bill that I never received from XXXX XXXX is affecting my credit. I am also getting alerts from XXXX  due to the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX, I noticed 10 cash advance charges on my Capital One Mastercard ending in XXXX from a merchant, XXXX/XXXX between XX/XX/XXXX-XX/XX/XXXX. I immediately contacted Capital One to report fraudulent activity. My card was deactivated, and a new card, ending in XXXX was issued. and immediately destroyed upon receipt. It took numerous phone calls, and finally at the end of XX/XX/XXXX, I spoke with someone who followed through, and credited my account for charges, interest, and associated fees. When I received my bill for XX/XX/XXXX-XX/XX/XXXX, there were 5 additional charges, again from XXXX/XXXX. Again, I contacted Capital One to report fraud, the card ending in I declined receiving an additional card due to the problems associated with the fraudulent charges as well as the shady customer service I had received. The charges were credited back to me. On XX/XX/XXXX I received notification that the last 5 charges were charged back to my account. After speaking with the individual managing my account, I received no further response to numerous messages left on her voicemail. On XX/XX/XXXX, I again contacted Capital One, spoke to a representative who assured me I would hear back within 72 hours and receive correspondence confirming my complaint. As of XX/XX/XXXX, I have nothing. On XX/XX/XXXX, I again called the fraud department, and apparently everyone is now a manager, to no resolve. My bill still reflects the 5 transactions, cash advance fees, and interest charges. Capital One has a policy for fraudulent activity that they do not live up to. How could have charges been made when the card had been destroyed? Why would they not credit charges made at the same merchant the initial 10 charges had been made? I would like this resolved, and the have all of the charges, fees, and interest credited to this account so I can officially have nothing further to do with Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
An unauthorized hard inquiry appears on my credit report with Equifax. I do not have now or have I ever had a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Concord Servicing Corporation
State: IL

Complaint narrative:
On XX/XX/2011 my timeshare membership was included in the Bankruptcy Courts. The membership was with XXXX as shown below. I have been receiving collection notices from Concord that will be affecting my credit scores that I have been trying to improve since 2011. XXXX, even thou I have sent them the paperwork from the courts showing that the membership was included in the bankruptcy, say that the membership was not discharged with the bankruptcy and that I owe the fees and the late fees as well. and that my membership is still valid. 
Thank you in advance for your help with this problem. 
XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/2017 here was a mistake made in reporting a 30 days late on my mortgage. The problem has been rectified with the mortgage agency. Attached is a letter from the reporting agency stating the removal of the 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX reported a charge off for XX/XX/XXXX payment and failure to pay I paid that account amount XXXX every month they continue to report both account one which is paid off delinquent and negative and bad credit charge off Ive been with XXXX XXXX for 27 years with out a miss payment a disagreement over a statement and payment cause them to bring me to court I never reicieved a court order in mail paid a lawyer who took my money had to deal with XXXX and XXXX law firm even them knowing I had a lawyer also payments were made out of my XXXX check which is XXXX dollars I tried in vein to make payment to the point off having someone call in payment s to law firm so payment date various due to them the collection law firm putting the payment through this ruined my credit and my life 32 years of credit 100 % payment history ruined and still XXXX XXXX n law firm continue in tased practices

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 2018-05-20 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: CA

Complaint narrative:
In XX/XX/2017 here was a mistake made in reporting a 30 days late on my mortgage. The problem has been rectified with the mortgage agency. Attached is a letter from the reporting agency stating the removal of the 30 days late.

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 2018-05-20 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: MD

Complaint narrative:
A rep from the company XXXX XXXX came to my job and asked me to fill out a paper for a loyalty card in early XX/XX/2017. Me and my co workers asked if it was for a credit card and the young lady from XXXX XXXX clearly said no. 
After few months I look at my credit report and I have a hard inquiry from XXXX XXXX/XXXX XXXX. I talked to the young lady at XXXX XXXX who is the general manager and XXXX said she would look into it but its been over 3months and every time i ask for an update she has no info. I need this removed from my report because I was told false information and did not authorize this inquiry.

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 2018-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: VA

Complaint narrative:
I have not had any resolution with this company to prove these medical debts are mine-Now I have new debts being reported from XX/XX/XXXX-XX/XX/XXXX-new dates etc ... .I have always had insurance, so this is inaccurate information. 
They have stated I received notification, but can not prove when, nor show me documentation. 
I have NOT received anything of this nature and they have and several complaints of un fair practices reported. 

I have contacted and found that Under the FDCPA-A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

Debt collectors resurrect old debts in an attempt to make some money. With old debts, there's a good chance the collector doesn't have the original documents proving that you even owe. 
If this is the case I demand these unknown debts to be removed from my report and to no longer be contacted from this company for the amounts of {$620.00}, {$380.00}, {$780.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX, XXXX are the 3 companies that keep showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
the below collector is reporting wrongfully an item that does NOT belong to me. I have tried to call them and ask them if they could provide any proof since i have no debt at all to anyone, they claimed that this account belongs to me, i EXPLAINED that there are many people with similar names, including my own family, they never got back to me since then. 

Name of collector ; Education Credit Management For Account number ; XXXX Their address ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Phone ; XXXX Please help me as I am trying to obtain a mortgage and the bank says it must be debt with first.

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 2018-05-20 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: Credit Karma, LLC
State: NY

Complaint narrative:
XXXX XXXX reported a charge off for XX/XX/XXXX payment and failure to pay I paid that account amount XXXX every month they continue to report both account one which is paid off delinquent and negative and bad credit charge off Ive been with XXXX XXXX for 27 years with out a miss payment a disagreement over a statement and payment cause them to bring me to court I never reicieved a court order in mail paid a lawyer who took my money had to deal with XXXX and XXXX law firm even them knowing I had a lawyer also payments were made out of my XXXX check which is XXXX dollars I tried in vein to make payment to the point off having someone call in payment s to law firm so payment date various due to them the collection law firm putting the payment through this ruined my credit and my life 32 years of credit 100 % payment history ruined and still XXXX XXXX n law firm continue in tased practices

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Incorrect balance being reported by reporting agency

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 2018-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FRESNO CREDIT BUREAU
State: TX

Complaint narrative:
I had billing disputed with an original service provider ( XXXX ). They billed me incorrectly for a service ( either by poor oversight or fraud ). I called them 6 times in the last 12 months to resolve the billing error. They never replied and instead sent the debt to XXXX XXXX XXXX. XXXX XXXX never notified me about the outstanding claim of debt. They reported the collection debt against my credit violating the Fair Debt Collection Act section 8a. I was given no ability to resolve the claim and only found out when my credit was run and saw the notation. Consequently neither XXXX XXXX or XXXX XXXX have made any effort to resolve the dispute despite me making every good faith effort to resolve the billing with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: FL

Complaint narrative:
I applied for Capital One Spark Business Card. When I applied I never put my personal social security on the application I only put my EIN number on the application and Capital One pulled my personal social security without my consent. I would like for capital one to remove there inquire on my personal credit report for the date of XX/XX/18. How they got my personal information I do not know because I did not put my date of birth nor my social security number on the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: CA

Complaint narrative:
Incorrect balance being reported by reporting agency

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 2018-05-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Incorrect balance being reported by reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Incorrect balance being reported by reporting agency

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