vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Upon checking my credit report I noticed a collection agency named First Fed Credit Control based out of Ohio reporting that I owe them {$340.00} for medical debt. I contacted this company and requested that they validate the debt by sending me a signed contract between myself and them showing that I owe this debt. After 30 days I filed a complaint with the XXXX XXXX XXXX advising of the above asking for a signed contract between first fed credit control and myself. They responded via the XXXX  website stating that they do not have a contract with me. So Im trying to figure out why they are attempting to collect money from me that I do not owe them and have been reporting this to my credit reports. I want them to cease all collection attempts and remove from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On the XX/XX/XXXX, I was contacted by Chase Bank saying that my account was compromised by someone trying to take money out using XXXX. I had to go into the XXXX branch and I closed my account that I had for 20 years I open a brand new account. The banker asked me were all the charges are my old account valid and I told her that several charges from XXXX XXXX were not valid and were unauthorized because that account was compromised also. I closed that account along with several other accounts that were also compromised and used XXXX XXXX XXXX XXXX to close all the credit cards accounts that were compromised and credit one monthly payment to pay the remaining balance. The teller then transferred all my remaining funds to the new account and told me that the account would be officially removed in 60 days. On XX/XX/XXXX, I noticed that Chase Bank had withdrew the negative balance from the old account from my new account. I immediately called their Claims Department and spoke with several representatives from the Operations Loss Prevention and Claims Department and was told that the situation was an error on Chase Bank behalf and everything will be taken care of. I began to call claims and spoke with several supervisors and was told that each case will be notated on my file. While checking my account today Chase has once again taking money out of my account without any authorization, and I was told that there was no notation taken on my account previous to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rickart Collection Systems, Inc.
State: PA

Complaint narrative:
I had arrived home at approximately XXXX on XX/XX/XXXX and grabbed the mail. There was notification from Rickart Collection Systems , Inc. stating that they were a debt collector from my account with XXXX and must notify them within 30 days of receipt of this notification if I dispute this debt. I called up my representative XXXX that night at approximately XXXX. I inquired about the debt and she stated that this was a debt that was from XX/XX/XXXX to XX/XX/XXXX in the amount of {$1100.00} for services from XXXX at XXXX XXXX XXXX XXXX. I have not resided in that home since XXXX. I had filed Bankruptcy and was discharged of all debt in XX/XX/XXXX from this residency. XXXX XXXX XXXX is a duplex that I purchased and is under one parcel. I find it funny that now at the end of the 7 years this resurfaces and that XXXX is again trying to collect on old past debt, debt that was included in the bankruptcy and now appears that they have created a story to get me attention to make contact with them to discuss and collect on past debts. I stated that someone has taken my identity and put service in my name but for only a 3 month period? XXXX advised me not to call the police to make a report until after I call XXXX. She stated to put the dispute in writing. I hung up with her and then called XXXX and spoke to a representative. He had stated that the bill is from past accounts in addition to this new account that was created on XX/XX/XXXX through to XX/XX/XXXX which was put in my name. Again I have not lived at this address for many many years. He stated that there is old account balances and when someone comes up for service with the name it attaches that debt to the new account in hopes of collection or termination of services when payment is not made, which has happened in this case. The only problem is, is that its not me, I do not even have XXXX as my electric provider close to 7 years now. Also, they sold off any past debt to collection agencies so why are multiple people trying to collect the same monies? This is very wrong and I feel that they are in hopes of trying to scare me into paying money not due or to falsely create a new collection inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hard inquiry on my credit report with Equifax for XXXX XXXX on XX/XX/2018. I have no requested any product or service from XXXX to result in a hard inquiry. Unknown how my information was obtained by the company. Have requested it be removed from my credit report on several occasions, including with Equifax and the item in question still remains. I have never done business with XXXX nor do I have any intentions of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK
State: NV

Complaint narrative:
Bank put a retroactive 60 day freeze on account. Said freeze would be lifted if I submitted statement from bank the funds came from to the fraud deaprtment whhich I did several weeks ago but the freeze was never lifted. After the 60 day freeze was up they still will not let me transfer money. They say the fraud department is still working on it but will not say why. They will not call back. They will not answer e-mails. I have called several times over the last 4 days ( XX/XX/XXXX-XX/XX/XXXX ) with the same zero results.

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 2018-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
Keep receiving letters from company for payment that was made and there saying it wasnt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Ive explained that I have been out of the country for 10 years to NCB Management services and that the account they have is fraudulent. With proof. They have refused to take this debt off of my credit report and will not remedy this situation. This is affecting my livelihood and preventing me from creating a better life for my family as a man. My name is damaged. My credit is destroyed because of this and their tactics. If I owned this debt I would pay it. I have integrity but this is not my debt and is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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 — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
On Tuesday, XX/XX/XXXX a letter was delivered certified mail asking creditor to verify late payments on a joint account. Thirty-one days later after retaining a new copy of credit report, I notified the company they did not contact credit bureaus to have account marked as disputed violating state and federal laws, FCRA section 623 ( a ) ( 3 ) & FDCPA section 807 ( 8 ). On XX/XX/XXXX I received a response from the creditor stating account was verified with no documentation showing so. On Monday, XX/XX/XXXX they received another letter delivered certified mail of all the laws violated by the company and their response was send them any and all documentation I have regarding account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a line of credit on XX/XX/XXXX and was approved for a XXXX credit limit. On XX/XX/XXXX I called to see why i could no longer see my account online. I was advised by ( Superviser XXXX XXXX " who refused to provide me her last name '' ) that the account was closed due to a 3rd party informing XXXX  i had filed bankruptcy. I informed XXXX that my Bankruptcy was discharged about year ago and i had apply for this account after filing BK. XXXX then informed me its in there policy and theirs nothing they can do it about contact corp if i dont agree. ( she was very rude BTW and was not hopefully. ). I asked where in the terms and condition does it state that? IN the terms and condition it just states that my loan will become default if i BECOME the subject of bankruptcy, which i have not became a subject of bankruptcy since applying for the account. I could understand if i applied and was denied but i was approved. SO why approve me and then close my account a day later. Wouldn't i have just been denied when first applying if they dont allow account holders who have previous filed BK?

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 2018-06-28 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: TN

Complaint narrative:
All three credit bureaus are showing collection amounts for two hospital charges ( XXXX XXXX, XXXX, XXXX  ) that occurred on XX/XX/XXXX and on XX/XX/XXXX while I was still in college at the XXXX XXXX XXXX. I only found out about these past due charges on XX/XX/XXXX, upon completion of my training in XXXX XXXX with XXXX XXXX and my return to XXXX area. 
These charges were in regards to a emergency room visit. XXXX XXXX did not initially cover the charges of {$800.00} and {$880.00}. The bills were sent to a collection agency without my knowledge as the XXXX XXXX had sent the eobs to my old college address and they were not forwarded. I have discussed the charges with XXXX XXXX. Per XXXX XXXX, the charges were initially denied as being out of network. But upon their review, the charges should have been covered since it was an emergency room visit and they stated out of network does not apply in those situations. 

XXXX XXXX is in the process of re-billing the visits. They have indicated I should received the updated EOB within their next billing cycle and at that time this issue will be resolved. 
Meanwhile, both of these charges have killed my credit score without my knowledge I even had any charges not paid and certainly nothing sent to a collection agency. I have NEVER been late or simply not paid a debt. 
Can you somehow get the credit bureaus to indicate these unpaid charges are under review for accuracy until I get the situation rectified? 

Thank you, 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 2018-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I started following my credit on XXXX XXXX a few months ago, and I got notification in XX/XX/XXXX that a debt collector identifying itself as Assetcare/Capio started reporting a medical collection from XX/XX/XXXX. I shouldnt have any medical collections because Ive been insured since XX/XX/XXXX. I wrote what I thought was a pretty detailed letter explaining this and asking for any documentation they have that would explain how or why I ended up with a medical bill which Im supposedly liable for. 
I also tried disputing it through the credit bureaus and the same thing happened. I dont understand what kind of game theyre pulling, and its ridiculous that something which to me seems like a random number is now reporting to my credit history, and without any explanation as to why my insurance wasnt billed. Again, Ive received no documentation to justify what theyre doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I had a car financed with TD Financial from XX/XX/XXXX until it was recalled by the manufacturer XX/XX/XXXX. XXXX paid the remaining balance due at the time of the recall to the finance company during the first quarter of XX/XX/XXXX. 
The finance company now shows this amount as written off as bad debt on my credit report. 
They also report that six payments from XX/XX/XXXXto XX/XX/XXXX are charge offs on my account. We were informed not to make additional payments after XX/XX/XXXX. 
I have contacted TD Financial twice about this matter since XX/XX/XXXX and was told that they would correct this. As of XX/XX/XXXX this has not been done. 
I have copies of e-mails from XXXX reflecting the payments made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I had unauthorized charges on my Best Buy card which is through Citi Bank and had a 0 balance prior. While in dispute, Citi filed with the credit bureaus that I had past due payments over 30 days and an outstanding balance due. They did resolve the disputed charges and in my favor, again bringing my card back to a zero balance. I had previously filed a complaint with CFPB, which has been closed, because Citi reported they sent corrections to the credit bureaus and that they sent me a letter stating the same. I have talked to all 3 credit bureaus and the outstanding balance due has been taken off but none of them had received a correction for the more than 30 days past due error. The only letter I have received from Citi is that they want any further correspondence in writing. My original goal was simply to have the errors fixed and my credit restored. This has not been accomplished.

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 2018-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I have been overpaying my car loan since 2015. Now the company set it up for me to pay every two months, but I am overpaying every month. The company changes back and forth as to whether the payments go to principle and or interest. Each time I call to try to make progress the company fluctuates as to whether the extra payment goes to interest or principle. They stated that no matter how much I pay each month I will not be able to pay my loan off early.

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 2018-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Back in 2016, I was contacted by Transworld regarding an emergency room bill they were assigned to collect. I agreed to settle the account and made payment to Transworld. No account from Transworld was reporting to my credit history at this time.

Later, I took a look at my XXXX credit report and saw that Transworld has been reporting the account as a collection account, even after I made payment. Their tradeline states paid in settlement but in the portion stating amount paid it is blank. My common sense would say they ( Transworld ) should at the minimum report how much was paid. 
I did dispute the accuracy of the information to XXXX XXXX, who stated they contacted Transworld and were informed to delete the entire account. So it is off one of my credit reports. However, when I made the same dispute to XXXX, XXXX   responded that Transworld reported back the information should remain unchanged on my credit history. I do not understand why Transworld would tell one credit bureau to delete an account and another to continue reporting it. It is not so much as reported as a disputed or contested account by Transworld.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
XX/XX/XXXX, we were victims of a financial scam involving a cashier check. This was for a purchase of equipment we had for sale. The check was out of state, it was deposited into our account we checked on it few days later was advised that it was good by bank employee. We were not told that it could be a scam by the bank. It was found later that BBVA bank on the day of deposit they had training on this particular issue. The bank knew this was going on we were not aware of it or made aware of it. On XX/XX/XXXX we saw that our account was cleaned out not by the perpetrator but by the bank. They discovered the cashiers check was bogus. Did not even contact us. We had to contact them, we tried to work with them they would only say we were solely responsible for everything. Would not work with us. Even filed report with local police department, was told that the bank was responsible for what had transpired. Foward to XX/XX/XXXX we attempted to open a college fund account for our Grandson but was denied. We contacted a company called XXXX XXXX that handles these issues. Our current bank XXXX In XXXX, XXXX.the information we recieved regarding this matter stated that it was due to a fraudulent account. They made it sound as if we were the perpetrator.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: CA

Complaint narrative:
I have recently submitted a dispute with this credit bureau earlier this month in regards to some line items which were being reported on my credit report. After having an investigation done it was found that a couple of accounts being reported were deleted but not all. Since then I have paid off some debt I owed on my credit card and brought my utilization down to a zero balance. I have reached out to one of the accounts being reported to the credit bureau and was told that they submitted a request to have the line item removed yet it hasnt happened. I just recently checked my credit score only to find out that my score went down 17 points. I have called the credit bureau to find out why they havent taken off the collections from my report, and why since some derogatory items which were removed earlier this month have a negative reflection on my credit report. Also why since I have paid off my credit card has my score dropped down 17 points. I still have yet to get any resolve to my original complaint I have filed earlier this month. All I receive is general statements referencing their concerns and how they would love to address my situation and fix the problem I am having with them. Attached to this complaint is screen shots of the mishandling of my credit report.

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 2018-06-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is the 2nd time Chase Bank ( XXXX XXXX ) has closed my account after approving me ( I have good credit ), stating I am reputational risk for their company? I'm not sure what this means, since I have great reputation in my community, both financially and socially. I feel that I have been " personally discriminated '' against. I called Chase several times, and they said there is nothing I can do? No explanation given.

Company response to consumer: Closed with explanation