vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I went to emergency room in XXXX for treatment and I had insurance. Left hospital after treatment. Years later XXXX started getting letter and phone calls from collection agency about hospital bill from an emergency room doctor bill from XXXX XXXX XXXX XXXX XXXX, they supplied the emergency room doctor and turned it over to a collection agency called Credence out of XXXX Texas. XXXX  of the collection agents did a XXXX  way call with my insurance company and the collection agent learned that the emergency room doctor group forgot to fill with insurance company so they did at that time like 18 months later. Of course insurance denied it since it was over the year allowed by law and my insurance company sent me a letter that they denied the claim since it was not filed within 365 days of service and said neither they, the insurance nor I were liable for the bill by law. I faxed all paperwork to credence the collection company. Now in XXXX another collection company called XXXX XXXX XXXX has it called me and sent a letter. I called the original emergency room doctor group they wont pull the claim away from the new collection agency. So it keeps being passed to collection agencies when will this stop. No one is liable for this debt. The new collection agency is rude and threatened to out it on my credit. When will this go away!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26 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: TX

Complaint narrative:
I want to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across some mistakes and inaccuracies that you are reporting. Please review and eradicate all of these following unproven true, correct, complete, timely, mines, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate attention and should be deleted asap. XXXX If this is not deleted immediately, I will be forced to seek legal counsel and sue in small claims court and seek up to XXXX at a minimum.

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 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/2021 - {$2500.00} XXXX {$1800.00} Those funds fully posted on my account those days and now my account is locked and Citibank says they can't give me my money because my number is registered. That doesn't make sense. My phone is in my name. They also said it has to be a number on my public records. This is absurd. I want my money and the account closed

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 2021-08-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: VA

Complaint narrative:
I am rated 100 % Permanent and Totally XXXX by the Dept of Veterans Affairs. I submitted my letter to the city in which I own property and received a letter back stating that I am 100 % exempt from paying property taxes according to VA statute. I have submitted this documentation to my mortgage servicer ( CMG Mortgage ) XXXX separate times, called them XXXX  times, and interacted via message online XXXX different times. They refuse to adjust my escrow and taxes telling me I am not eligible for an exemption. When I asked to speak to the tax dept they told me they dont have a phone line. On XXXX occasion I even conferenced in the city treasurers office and they verified over the phone with me and CMG that I was not responsible to pay any property taxes and that any I have paid thus far should be refunded to me from escrow. They still say I do not qualify. I need assistance getting this rectified and what they are doing is completely wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus

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 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UPGRADE, INC.
State: MI

Complaint narrative:
on XX/XX/XXXX, my balance was showing on my phone app and the website using my desktop as {$14000.00}. The amount due on XX/XX/2021 was {$500.00} and something dollars ( I can't remember exactly ). I made a payment that day of {$720.00} so it would bring the total down to {$14000.00}. On XX/XX/XXXX, I look at my account and the balance on my account was {$14000.00} instead of {$14000.00} and some change. In addition instead of showing that I have {$0.00} due, it showed that I have {$62.00}. I called the company on XX/XX/XXXX to be told that " oh no worries that will be fixed within day or two. The system has not updated yet. Yes we know you should not have any amount due. '' I waited until Friday, XX/XX/XXXX and called again. I got a representative who told me that he put an order to fix it and that it should be done by Monday at the most. Monday, XX/XX/XXXX came around and nothing was fixed. I called again and again I wait on hold for over an hour but this time I got a " rude '' representative who put me on hold over 5 times back and forth and then finally came back and said that " my manager is literally working on it right now '' and that it should be updated very soon and to call them again on Friday if it is not updated. When I got upset and said that I am not going to call and that I am going to report the company he started getting very rude with me and arguing with me and told me '' ok, don't call! '' So, I am not playing games here and this is a serious issue. You charging me for money that I am not supposed to be paying and not reflecting the right total amount I paid on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rozlin Financial Group, Inc.
State: IL

Complaint narrative:
I started to work for the company XXXX XXXX in XXXX of 2020. They Promised me a new position as a XXXX. This position the company has never had any of there current employees perform, so this is a brand new position opening up just for me. I accepted the job offer with the company they granted me a XXXX sign on, however I would need to stay with the company for 1 year prior to this guarantee being terminated. After accepting the offer and within the first month the job they had me doing was not the job they had me sign for. Nor would I ever be able to make the living I was hoping to make and they have promised me. I have a family and a home! There offer was a complete lie and I needed to make a change to clearly provide to my family. When leaving I asked if they would remove the guarantee they provided and they said no because I sign off on a contract to them. At that time I also stated back to them the offer they gave me and what I received were XXXX different things and the offer was not held up on there side. They have no sent me to collections, I'm a licensed XXXX with another company and having problems with some state licensing because now I have an XXXX collection on my credit. The collection company calls almost daily, threatening me they were going to send it into collection and they have. So, why do they still call? Also, XXXX XXXX will not do a thing about it. I lost out on so much and was lied to from the beginning from one of the largest Mortgage companies in the US. I need this collection off my credit report. I'm asking for assitance from the wrongful way I was treated and being treated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these inquires that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot.

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 2021-08-26 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: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
Credit Systems inc XXXX XXXXXXXX XXXX this account is over XXXX XXXX XXXX. it was paid in full in cash prior to my visit or they wouldn't allow me to have the appointment. I have sent multiple complaints in to the credit berues and they actually had to remove them. however, they keep switching companies and resubmitting the claim. the acutal visit was XXXX  XXXX plus and now its showing XXXX this information is incorrect. not only this they sent me a copy from XXXX of the services they provided with all my personal information on it. i have sent them notice after notice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: GA

Complaint narrative:
I have disputed several charges on my credit report through XXXX. I sent a dispute letter on XX/XX/XXXX and was recieved and signed for on the XXXX of XXXX. By law, credit companies have until 30 days to respond. I have yet to receive a response. 

I also send both XXXX and Equifax the same information an have not received a responce Equifax was sent a dispute letter on XX/XX/XXXX and a receive was received on XX/XX/XXXX. Attached is the proof of delivery.. Also XXXX was sent a letter on XX/XX/XXXX and I proof of delivery on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: GA

Complaint narrative:
I have disputed several charges on my credit report through Experian. I sent a dispute letter on XX/XX/XXXX and was recieved and signed for on the XXXX of XXXX. By law, credit companies have until 30 days to respond. I have yet to receive a response. 

I also send both XXXX and XXXX  the same information an have not received a responce XXXX  was sent a dispute letter on XX/XX/XXXX and a receive was received on XX/XX/XXXX. Attached is the proof of delivery.. Also XXXX was sent a letter on XX/XX/XXXX and I proof of delivery on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I sent Capital One a Cease and Desist letter, along with an Affidavit of Truth, and an invoice. The company received the letter on XX/XX/2021 and they sent me 2 different letters dated XX/XX/2021. The envelope was in violation of 15 USC 1692 ( e ) ( 1 ). The letter states that Capital One N.A. is the creditor which is in violation pursuant to 15 USC 1692 ( e ). I am the consumer, natural person, and the original creditor not Capital One. They state that they have suspended my charging privileges and restricted my account. Which is in violation of 15 USC 1691 ( d ) ( 6 ). They go on to threaten me violating me pursuant to 15 USC 1692 ( d ) ( 1 ). Pursuant to 15 USC 1692 ( c ) ( a ) I have never given Capital One the written permission to contact me in regards to any debt.

I also received a separate letter the same day from Capital One thats also dated XX/XX/2021 letting me know that they did receive my cease and desist letter however they will continue to mail me monthly billing statements- Violation 15 USC 1692 ( c ) ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I wrote Credit Collection Services on XX/XX/2021, and XX/XX/2021 asking them to validate this debt they keep trying to collect on behalf of XXXX XXXX. Despite my asking for validation, they only keep sending me a bill continuing to attempt to collect this debt. I do not recall signing any contract with this company and they did not write me to tell me they were going to report this debt on my credit which is damaging my credit worthiness. 
Instead of validating this debt, they sent me a settlement offer. In order to close out this matter, which THEY NEVER VALIDATED, I told them I would accept their offer in exchange for them removing this debt from my credit reports with XXXX  and XXXX  that they are reporting this account to. They never replied to my offer. 
At this point, I am not interested in settling with this company, as they never complied to any of my letters, and I do not owe them anything. Unless they can prove that I entered into some type of contractual signing giving them a right to collect on this debt, they are falsely reporting this account on my credit. I am now turning to you to see if you can help me resove this matter. They also are using two different addresses, in which I am sure they receive correspondence to both addresses.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 37 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 37 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/2020 I doubled the amount of XXXX  tokens on my Coinbase account due to a bug ( went from XXXX to almost XXXX in a matter of seconds ). I sold my initial investment but kept the rest. In the following days it was announced that XXXX  ( XXXX  ) was under investigation by the SEC agency and the price went down to 50 %. I then received an email form Coinbase saying that my tokens I earned were due to a bug and that I had to repay immediately. I payed everything I had earned plus my initial investment but by account was still in negative balance. Now the price of XXXX  went up again and the balance is more and more negative. I've seen that this is not only my case but a lot of other people suffered from this problem and lost all of their earning due to Coinbase mistake. Please help me find a solution to this problem as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I have paid this account. I then received notice the account was paid off when I checked my credit report. I made 8 attempts over 2 hours today to call fingerhut. Each time I entered my last 4 digits of my social, an agent answered then while talking hung up. This happened each time I called back with the 8th call ending with me speaking woth XXXX who did the ae thing. I then called Experian who told me since I disputed akd the creditor agreed to the account I need to contact XXXX. I tried to explain I did 8 times with no help. I then went to the website and reset my log in info. When I logged in, the account state Midland Funding have the account. I called XXXX and the agent told me he did not care what I paid with XXXX, but I need to pay {$940.00} which in wrong. Midland Funding stated they sent a letter on XX/XX/XXXX and I confirmed I did not received it and asked if a copy could he emailed or faxed ; the agent told me " no, if you didn't get it that's too bad ''. 

This incorrect information need to be removed from credit because its incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continues to report an erroneous address on my credit file. The address was removed and ADDED again as of XX/XX/2021. The address listed ends in XXXX XXXX XXXX I have never lived at this address! I have never been associated with this address! I have clearly mentioned in EVERY dispute I have sent this company that I only have ONE address and that this erroneous address DOES NOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. 


XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation