vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I send certified debt violation letter to IC System, Inc on XX/XX/ the company have failed to validate my debt. Instead on XX/XX/XXXX XXXX XXXXhey send a list of my medical records which I know is a direct violation of HIPPA regulations. I nerve signed a HIPPA form authorizing them to have access to this information. Please delete this information on my credit file and cease all collections activities immediately

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 2021-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: FL

Complaint narrative:
Perdue Brandon Fielder Collins and Mott LLP ( https : XXXX  ) keeps calling me for debt that is not mine. The law firm somehow tied my mothers name to my phone number. I've told them repeatedly to remove my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Integrated Asset Recovery LLC
State: MD

Complaint narrative:
Portfolio Recovery, LLC has harassed me and contacted my employer, threatened to sue me for debt that does not exist. I have checked my credit reports from all 3 bureaus and there is no delinquent debt that is owed. If there is any debt owed it would be 20 years old. I have paid on time for all of my accounts. I have asked them to stop calling me but they refuse to do so even contacting my family members and ex-husband. They also contacted my ex-husband stating I would be sued and court documents were being sent to his home causing him to feel as though he was going to taken to court because of the verbiage Portfolio Recovery used. This could cost me my job and is a very serious matter. I have requested for this stop and it has not. What recourse do I have? Their tactics include harassment and abuse and it needs to stop. 

On XX/XX/21 Portfolio Recovery LLC contacted my place of employment and have done so previously.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Credit Card Acquisitions Group
State: NM

Complaint narrative:
This loan was taken out for a minimal amount. I believe the original loan was {$300.00}. They pulled money out of my checking account for a lengthy time. But they continued pulling money out. I stopped payment. 

In XX/XX/XXXX a company contacted me about the XXXX XXXX account. I paid settled amount. 

Last year I received a call from XXXX at Foster and Monroe for XXXX XXXX. Since the previous settled amount was 6 years prior, I was unable to produce receipts. Foster and Monroe stated I owed {$1700.00}. Since XXXX of last year I have made payday payments with the exception of the last few months. I live on a fixed ( XXXX ) income. I tried to change arrangements to pay more manageable bimonthly payments. However Foster and Monroe refused to allow me to make smaller payments. With the exception of 3 payments, I have made the scheduled payments. This month due to medical issues as well as unexpected financial situation I was unable to make my payment last week. Now they call daily harassing me. This morning the calls began at XXXX XXXX I am XXXX XXXX and added stressors do affect my medical issues. This company is very aggressive and makes threats. I tried calling them back and left a message. I told them I could not make a payment until the XXXX and that it is not okay to call me at XXXX XXXX This payday loan has been a nightmare. Currently there are things I need that I am unable to afford because of these payments. The interest on these loans should be illegal. 

Months ago I was sent an email stating that my name was listed in a lawsuit against XXXX XXXX and that due to fact I live in NM I would not be reimbursed but the amount I still owe would be wiped out. I ask Foster and Monroe about this and they said the suit did not apply to me. I am so tired and frustrated. The payments cause me to have to make a choice of making payments or getting needed medical care. We live in a remote part of NM. I am needing to travel and see XXXX as well as go to XXXX. But I can not afford to do to these payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
The original debt belonged to my XXXX year old daughter XX/XX/XXXX. I was not aware of it's existence until checking my credit report in XX/XX/XXXX because the original bill was in her name. 
I called the collector and paid this debt via " direct payment '' through my bank with the bank customer service agent on the phone line on XX/XX/XXXX The company refreshed this debt as active and unpaid XXXX as of XX/XX/XXXX. 

They then sent me a letter dated XX/XX/XXXX confirming the debt paid in full with a {$0.00}. balance. 
Dispite my paying the balance on XX/XX/XXXX, ( and then sending me the confirmation paid in full letter on XX/XX/XXXX ) they reported the account as updated XX/XX/XXXX with the original balance of {$400.00}. as remaining active. 

They Did Not update the new {$0.00}. balance. I called them repeatedly and requested they update their report. 

As of today XX/XX/XXXX they still shows {$400.00}. balance unpaid. 
The correct {$0.00}. balance has not been submitted to my report. 
This deliberate negligence in withholding updated information has caused me hardship. 
Please Help Resolve. ASAP! 
XXXX 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 2021-08-18 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
ally financial show late on credit report never been 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 2021-08-18 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
My, sister bought a visa gift card for me in the amount of {$500.00}, when i received the card on XX/XX/XXXX the card was torn and could not be swiped, i called the gift card mall at XXXX, they immediately cancelled the old card and told me i would receive a replacement card in 7-10 days, it did not come, i called them back on the XXXX of XXXX, i was they did not know what happened and they would issue another card wait 7-10 days again no card, i called again on XX/XX/XXXX this time i was told they woul send me an expidited card i should receive it in 3-5 days, today is XX/XX/XXXX i still have not received the card and they claim they dont know what happened they said it was sent thru USPS so i checked with usps they said the card was not in their system at all it was never there, gift card mall also told me that the {$500.00} was still on the card they could check that but they dont know why i have not received the replacement card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MD

Complaint narrative:
On XX/XX/ I made my student loan payment of {$290.00} and at the same time I received a notification that my next payment will be {$550.00}. I was surprised, from seeing how much my payment jumped in a short time, and I knew the payment would be too much for me because I just started a new job and was not making enough money to cover it and my expenses at the same time. I called my student loan servicer to weigh my options. They informed of the options and I thought that forbearance would be the best option at the time. They told me that my interest would capitalize. I can not recall if they mentioned how much that would be. However, later on when I thought about it and realized how much they would be adding to my balance, I decided it would just prolong my loans and make me pay more eventually. I decided to cancel the forbearance on the day before it was due to start. I called my servicer and they agreed with my request, but they said that I would still have to make the full {$550.00} payment. I agreed and made a payment via telephone. They said it should it automatically adjust and that I was good to go. No further action necessary. I also did an income based repayment plan and that also capitalized my interest. I did not realized it until a year later I noticed that the capitalized interest was not cancelled and I was still charged twice for utilizing one service. I called Nelnet and spoke to a representative. The representative saw exactly everything that we talked about previously in the account notes. She also said that she does not understand why the forbearance did not cancel and why I was still being charged. We had a short conversation about it and she informed me it was something she would have to discuss with management and would have to get back to me with an answer. At least six months have passed and I have not received an answer, nor have I seen any adjustments made to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi so as I'm typing this I called Transunion Credit Agencies and I've been on hold for over 48 minutes none of them are trying to help me resolve this issue. They keep transferring the call to different rep who don't know what to do to resolve my concern. I have about 8 accounts with XXXX XXXX and XXXX XXXX that are showing up when I log in to view my credit score through my bank which is XXXX XXXX  but the Credit Agency they are associated with is Transunion. When I logged in it showed under review " credit view dashboard " it shows all these collections accounts which the creditor did agree to DELETE them from my report. They actually did remove them with XXXX  and XXXX  however, Transunion is acting like they can't see the information when I'm asking them to file a dispute they are blaming my bank, but the bank is NOT the credit bureau this is information that only they have access to remove. I would like to know what I can do to have this resolved I'm attaching the screenshots for your review and consideration ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: AES/PHEAA
State: PA

Complaint narrative:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: PA

Complaint narrative:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Both XXXX as well as XXXX XXXX have violated my rights within the Fair Credit Reporting Act. They resubmitted debt on my credit report without any additional information provided. As protected under the FCRA section 611 I demand that this information be deleted from my report immediately. 

XXXX XXXX XXXX XXXX XXXX I feel that since the beginning of the pandemic, the FTC has not taken corrective action against creditors to protect consumer rights. Please protect my rights by deleting the following information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 Original Creditor : XXXX XXXXXXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file.The items I disputed on the attached copy of the report I received.The information on XXXX  Formerly XXXX  The Original Creditors processed a delinquent after my letter of a FRAUDULENT ACCOUNT it is a balances of {$460.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. This was processed on XX/XX/2021 the alert I.D is XXXX, the account number is XXXX. The industry type is Auto Financing, I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank your

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 2021-08-18 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file.The items I disputed on the attached copy of the report I received.The information on XXXX  Formerly XXXX The Original Creditors processed a delinquent after my letter of a FRAUDULENT ACCOUNT it is a balances of {$460.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. This was processed on XX/XX/2021 the alert I.D is XXXX, the account number is XXXX. The industry type is Auto Financing, I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank your

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: PA

Complaint narrative:
I sent letters to Equifax Credit Bureaus the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$940.00} XXXX XXXX  XXXX Balance : {$720.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$340.00} XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I bought my ticket with points through Chase Travel Rewards. 
Itinerary XXXX from XXXX to XXXX ( XX/XX/ ) and XXXX to XXXX ( XX/XX/ ). 

Prior to purchase, Chase Travel Rewards had confirmed on XX/XX/ that there would be no charge for any cancellations or changes to the flight ticket, even if I used the first portion and needed a cancellation for the return portion, there would be no fees associated. I called Chase Travel rewards multiple times ( total of 4 times ) from XXXX XXXX - XX/XX/, and was told there would be a cancellation fee of $ XXXX CAD. I argued with them that this is not what I was told in XX/XX/ when I called and even on the website at the time of the call in XXXX XXXX there are NO charges to change my flight. I was told that I would receive a call back on XX/XX/XXXX. I never received the call. Upon following up, on XXXX XXXX I was told I would receive an email in 72 hours. I never received any emails. I called again on XXXX XXXX to be told to wait 72 more hours. No calls. I called again on XXXX XXXX and was told to wait 7 business days. I was told that all cases over 7 businesses days are investigated by the Chase investigation team by law. But it's clearly been well over a month and no investigation has been done. Each time I call I get a new case number. The following case numbers were provided to me in the past that I had asked for ( other cases were not provided because I did not ask for them specifically ) : Case ID # 1 : XXXX Case ID # 2 : XXXX # XXXX I believe Chase Travel rewards is deliberately prolonging this complaint period so that I will have no choice but to accept the cancellation fee or take the flight as scheduled. This is all false advertising. 

Employees also refuse to send me to provide me with direct contact with the dispute team, or refuse to connect with the dispute team that is investigating my case while I am hold on the other line. When I ask for the employee 's name and employee 's ID number so I can follow up since I can't contact the dispute team directly or be on hold while they contact the dispute team, the employee refuses to provide any information. 

In summary, they refuse to provide any proof that any internal investigation is being performed while prolonging the complaint period that has been going on for over a month. All I would like as a resolution is a cancellation of my flight ticket without the cancellation fee as advertised when I called the Chase Travel Rewards team prior to booking my ticket and when I viewed the cancellation policy on their website in XXXX XXXX

Company response to consumer: Closed with non-monetary relief