vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTIONS UNLIMITED OF TEXAS INC
State: TX

Complaint narrative:
I went to the XXXX, XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX, on XX/XX/XXXX. The Technician that examined me said I needed a treatment, XXXX XXXX XXXX for my XXXX. They said I had XXXX XXXXXXXX. Which turned out to be false. I replied to the technician, if my XXXX   Insurance covers the procedure, the cost of XXXX XXXX XXXX, then I will agree to it. XXXX XXXX came back 30 minutes later and said that 80 % was covered by my XXXX XXXXXXXX XXXX XXXX. I agreed to pay the 20 % balance and paid that balance at that the time of the treatment at the XXXX XXXXXXXX offices in XXXX XXXX Texas. On XX/XX/XXXX, over 15 months later XXXX XXXX  sent me a bill for {$180.00} saying XXXX XXXX XXXX XXXX did not pay the 80 %. Come to find out, XXXX XXXX   used a XXXXrd party service called XXXX XXXX XXXX to check my Insurance to determine what was and what was not covered. ( See attached document from XXXX XXXX XXXX ). XXXX XXXX XXXX checked my Insurance on XX/XX/XXXX while I waited at the XXXX XXXX offices. XXXX XXXX came back to me and said the treatment was covered at 80 %. Again, I only agreed to pay the 20 % and would not have authorized the unneeded treatment if I knew it was not covered. I later found out that XXXX XXXX XXXX is a shame and does not work. A gimmick to get more money out of patients. That is why my Insurance company does not cover it. 
XXXX XXXX has now referred the matter over to a collection agency called Collections Unlimited at XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, TX XXXX. Collections Unlimited opened an Account with XXXX and entered a derogatory remark on my XXXX credit report on XX/XX/XXXX. 
I dispute this {$180.00} charge, and the derogatory remark left on my credit report by Collections Unlimited. 
The bottom line is, even with this derogatory remark, my credit score is still above 800 and well within the excellent range, but companies and organizations like XXXX XXXX need to understand that cant bully people around. We had an agreement, they entered into that agreement willingly, and now they are reneging on that agreement. I have to believe that if the roles were reversed, for example, I put in a job bid on sheet rock work in their offices and a year and a half after the job was completed and I got paid for it, I came back and ask for more money, for what ever reason, they would not have even considered that and would have escorted me off the property. Its not my fault that the 3rd party service called XXXX XXXX XXXX got the information wrong. An accord was made and not kept by XXXX XXXX. They should collect from XXXX XXXX XXXX. 

Read the reviews : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
XXXX & XXXX is reporting an outstanding balance of {$120.00} that I am unaware of. It states that the original creditor is XXXX XXXX but I have no knowledge of a balance due. I have not been given a statement and when requested a validation of debt, was refused one to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: Seterus, Inc.
State: SC

Complaint narrative:
A company called Seterus, who I never paid any mortgage payments to, is reporting that in XXXX, 2016 I was 180 days behind on my mortgage. They report ND for two years prior to that, state that my account was transferred and that my credit limit was {$750.00}. None of this is true. Seterus has not responded to me, but provided this information to XXXX. I am trying to purchase a home, and this has reeked havoc on my ability to get a loan. I need this erroneous account removed from all three credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/18 someone between XXXX and XXXX completed 4 unauthorized ATM withdraws from Chase Bank in the amount of XXXX each. 
( {$800.00} [ {$810.00} w/fees ] ) On XX/XX/18 I filed a police report with officer XXXX XXXX of XXXX XXXX Police Department at XXXX. 
He asked Chase security for the footage so he could apprehend the thieves. They refused to provide the footage and my bank ( XXXXXXXX XXXX XXXX ) refuses to refund me the money without the video footage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I noticed an email from Wells Fargo stating that I should the see the conclusion of Claim # XXXX on my account ( a claim that I did not file. 

After doing some research I also found that a transaction for $ 1000+ ( that the claim was in regard to ) was also done by someone else. 

I called in to tell Wells Fargo that I did not make the purchase nor did I file the claim, and they are not helping. 

This account was previously closed after someone stole my debit cards, check book, and identity. Wells Fargo seems reluctant to refund me the money, or to assist me with this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute via mail to let Experian know the following accounts are not mine. Instead of disputing the accounts, they chose to dispute the inquiries listed on my credit report which I did not submit a dispute for. This is a clear tactic to try to keep erroneous information on one 's credit report just to buy their products. When i called Experian they refused to explain why the accounts were not disputed. They are fraudulent accounts that do not belong to me : 1. XXXX  XXXX # XXXX 2. XXXXXXXX XXXX XXXX # XXXX 3. XXXX XXXXXXXX XXXX # XXXX 4. XXXX XXXXXXXX XXXX # XXXX 5. XXXX XXXX # XXXX 6. 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 explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
XXXX I went to XXXX XXXX XXXX OR, then later to find out is was all a scam. I've had little to no luck, finding information to on who to contact to have my loans looked at. The news keeps reporting information with no contacts to call or email. I filed a forgiveness letter through student aid, but no response. It's been a real nightmare with XXXX plus in debt and no relief. Please someone help guide me, I know there are millions of other people in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Citibank, which is the Bank controlling the Sears Credit Cards, closed my 2 Master Cards accounts with Sears, including the original which is from the year XXXX, no matter the 2 recent payments of {$150.00} each, and all I explained to the over the phone, included in this complaint, and even using their online message service, and all the problems we faced here in Puerto Rico due to Hurricane Maria, Citibank simply disregarded everything and decided to unfairly close my 2 accounts with Sears, please see the 2 letters from Citibank included, one in English, the other one, is a translation to XXXX, one is referring to one of my accounts, the one ending in XXXX, which is the oldest from XXXX, when Citibank was not administrating Sears accounts, and the XXXX XXXX, which was opened under the Citibank administration. The complaint number XXXX, refers to the complaint already sent to XXXX XXXX about this problem, and many of the documents of that complaint are included in this one, in addition to the letters received online from Citibank dated XX/XX/XXXX, when they informed that my 2 accounts are closed, no matter I disagreed, and also paid, and also, they are requiring a huge single payment of more than {$400.00} for my oldest account, even after paying {$300.00}, with 2 {$150.00} payments in just days, in spite of all the evidence included, and all this affects my credit report unfairly, and is even discriminatory, probably due to me age of XXXX   years. Is unfair and discriminatory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpha Recovery Corp
State: TX

Complaint narrative:
Alpha recovery group is claiming that 2 accounts were opened on XX/XX/2018. I have disputed this accounts validity with Alpha Recovery and the results came back as verified with XXXX. However, this is not my account and I have never received correspondence via phone, email or mail from Alpha Recovery stating that a debt was owed to them. This in itself was a violation of my consumer rights because it did not allow me to dispute the validity of these accounts before being reported to XXXX. In response to the XXXX   dispute, I was sent a settlement letter via mail. They did not send me validation of the accounts in question as requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
Recorded message> Hello this is " Haris & Haris Ltd, Phone # XXXX, Says that the company is a Debt collector. Gives times to Call! I am not in Debt and never have been! May be tryiong to reach another person with a similar name! I an not here for their information ABOUT SOMEONE ELSE I HAVE RECEIVED 4 CALL IN ONE MONTH!!! Thank You!!! 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates had marked my credit reports as failed to pay on two separate accounts. I had paid PRA for the XXXX XXXX account on XX/XX/2016 in the amount of {$600.00}. Yet they had marked my account as failed to pay in XX/XX/2016. Also they had marked another failed to pay on the other account. I had paid PRA on XX/XX/2016 in the amount of {$950.00} and they had marked that account as failed to pay in XX/XX/2016. That account was with XXXX. Both of these accounts are through XXXX XXXX and handled by Portfolio Recovery Associates. This information listing as failed to pay is Not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Multiple times putting me in forbearance without permission. I have to call and keep asking them not to. This has happened at least 3 times. Advertised and told me to go into the Repaye program without explaining the major interest on the back end. Delayed my entrance into program by getting 3 different answers about what they needed. Put me in forbearance again. Got out of income based repayment plan when saw interest amount and decided to pay off. Paid extra to apply toward principal. Applied it toward interest. Now they put me in forbearance again. I am on tape requesting I record the phone calls so I can prove Navient that every time I call someone gives me a different answers with an apology saying Im so sorry so and so told you that. That isnt the case. Ive explicitly told them do not put me back in forbearance and they keep doing it. I asked for a different borrower and they told me I have to find one on my own. I want to pay off my loans but I am scared they will not apply my money correctly. Please help. Just get me out of Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I was trying to activate my US Bank Visa Card ( Debt ) though XXXX XXXX   without singing in to my online banking. The problem I am having with problem with visa about their products and services I been scammed by their rules about activating my card though email and without using SMS and they advertise " SELF-SERVICE '' but it is not self service I gave my email for activating my debt cards though that service without logging in to online banking my MAIN source for using my cards IS email I NEVER USED ANY ONLINE STUFF TO ACTIVATE MY CARDS ITS ALL DONE BY XXXX XXXX  AND EMAIL NO NEED TO LOG IN OR CALL MY BANK TO ACTIVATE IT FOR ME I NEVER HAD THIS PROBLEM WITH MY MASTER CARDS ISSUED BY A OTHER BANK I CALL IN TO US BANK AND NEVER FIX THE PROBLEM I BEEN SCAMMED BY VISA AND US BANK

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: CA

Complaint narrative:
We have been contacted by mail on several occasions by AFNI in regards to collecting on money owed to XXXX XXXX. They state that my husband owes them {$510.00} to settle the account. I contacted XXXX XXXX to find out what was going on. They informed me that we only owe {$140.00} and the account information does not match what XXXX has, so I don't know where they get their amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: CREDIT ACCEPTANCE CORPORATION
State: WA

Complaint narrative:
I have a car loan out with credit Acceptance. I have called them about reporting a late payment on my account that wasnt correct and when I called the lady wa every rude too me, and told me that everything that they report is always correct. I went on their website looked at reviews and noticed it has happened to a lot of people. In XXXX they said I was late 30-59 days. I have two payments in XXXX one on the XXXX and another one on the XXXX. I have pictures on my phone the two times I paid. The lady wouldnt even look up my account she was just flat out rude.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: SC

Complaint narrative:
This complaint is about First National Bank of Pennsylvania. My elderly Mother has had her checking account scammed two times within 6 months. The first time was for the amount of {$380.00}. It was an ACH withdrawal from a company called XXXX XXXX. I called the bank the same day and made them aware of a possible scam. Sure enough in a day or so the bank paid the unauthorized draft after I had asked them to close her account because she was likely going to be scammed. The bank filed a dispute claim but it was never resolved. ( I am on her account so I can speak for her ). I called the fraud department several times but received no resolution. The second ACH withdrawal just took place XX/XX/2018. Once again she has been scammed out of {$380.00}. This time the companys name was XXXX. The check number was XXXX. The company listed a phone number on the ACH withdrawal that was XXXX. I again called the bank and explained what happened and was told they would file a dispute claim. I am confident that First National Bank will do nothing just like they did the first time. I would also like to add that my Mother has not received any products from either withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As of XX/XX/2018 I have tried for the 1000th time to gain access to my Equifax credit reports, I have submitted my PROOF OF IDENTIFICATION on more than one occasion, I have submitted my id, social security card proof of address. I am MAKING a complaint because they are charging me {$29.00} a month and I can't access my EQUIFAX credit report with the confirmation numbers they have provided! 

Again, I have tried to access my credit reports ONLINE since XXXX OF 2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have tried to access my capital one account with a number of different online services such as XXXX savings, coinbase and others. All say that CapitalONe is blocking these services from withdrawing funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This debt is XXXX XXXX and this credit card my husband used in XXXX XXXX XXXX XXXX. He passed away on XX/XX/2015. I went through probate and was told I was not responsible for his business cards. I had no business with XXXX XXXX in Minnesota

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

Complaint narrative:
EXPERIAN HAS DELIBERATELY NOT UPDATED MY CREDIT SCORE AND MY CREDIT LIMIT ON MY XXXX ACCOUNT BECAUSE I HAVE FILED COMPLAINTS IN THE PAST WITH THE XXXX AND THE CONSUMER FINANCIAL PROTECTION BUREAU. LAST MONTH ON XXXX XXXX MY CREDIT UTILIZATION WAS 3 % WITH A CREDIT DEBT OF {$230.00}. AS OF XXXX XXXX MY UTILIZATION DROPPED TO 1 % WITH A CREDIT DEBT OF {$41.00}. AND I CONTACTED XXXX ABOUT EXPERIAN NOT UPDATING MY CREDIT LIMIT FROM {$400.00} TO {$700.00} SINCE XXXX. I ALSO SPOKE WITH SEVERAL PEOPLE AT EXPERIAN WHO BASICALLY TOLD ME A FLAT OUT LIE THAT XXXX HASN'T UPDATED MY ACCOUNT. IF YOU CHECK MY XXXX AND XXXX CREDIT REPORTS YOU WILL SEE XXXX UPDATES MY ACCOUNT EVERY MONTH ON THE XXXX, EXPERIAN TOOK IT UPON THEMSELVES TO UPDATE MY ACCOUNT BACK IN XXXX ON THE XXXX OF THE MONTH WITHOUT PERMISSION OR AUTHORIZATION FROM XXXX AND THEY ARE DELIBERATELY KEEPING MY CREDIT SCORE STAGNATED BECAUSE I CONTACTED THE CONSUMER FINANCIAL PROTECTION BUREAU ABOUT OTHER PROBLEMS I HAVE HAD WITH THEM CONCERNING MY CREDIT REPORT. THEY ARE BREAKING THE LAW. PLEASE I AM BEGGING THE CONSUMER FINANCIAL PROTECTION BUREAU TO INVESTIGATE THIS COMPANY THOROUGHLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX ... 
Accounts with missed payments View all accounts XXXX XXXX XXXX XXXX XXXX XXXX 1 Missed Currently 30 days past due Overview You're currently using 129 % of your account 's limit. 
Balance {$380.00} Credit limit {$300.00} Minimum monthly payment {$46.00} Opened XX/XX/2018 ( 4 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08 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: VA

Complaint narrative:
A hard inquiry was made several times without my concent. Two times this year. One in XXXX and XX/XX/2018.

Company response to consumer: Closed with explanation