vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NY

Complaint narrative:
mishandled, or incorrectly billed, by the doctor 's office, as acknowledged by the office later : I came in for an XXXX XXXX ( as agreed with the doctors on staff ) and intended to get the XXXX XXXX XXXX and XXXX   XXXX  that would go with such a visit ( and would be covered by my insurance as part of such a visit. ) As I found out later, the doctors/nurses on-call did not file my visit properly as my XXXX XXXX and I believe they requested a particular XXXX XXXX  that would not normally be included within the covered panel - I did not specifically request that test. I specifically requested and agreed to have my XXXX XXXX and the covered XXXX  checks. 

I got in touch with XXXX  ( and XXXX  's parent company XXXX  ) to resolve this bill as soon as I received it in the mail - there is an email record of my correspondence with them and I am searching through my phone records to find evidence of our calls as well. After looking into the situation, a XXXX  operator named XXXX XXXX confirmed with me that these billings would be resolved by XXXX   without me owing any further costs - that the visit would be properly re-filed as my XXXX XXXX and that the XXXX XXXX with XXXX XXXX had been resolved - they told me my bill was cleared. 

Now, more than a year later, I just got an alert from XXXX  of a 30pt cut to my credit score because of a past due bill with Aargon, and that is being listed as tied to XXXX XXXX. 

I tried calling Aargon and was told, first of all, that they had taken this debt on XX/XX/XXXX - but yet I had not been contacted about it or given any chance to resolve it before it was past due, damaging my credit, until I called them today, XX/XX/XXXX. Furthermore, they refused to give me any help in tracking down how this bill had been forwarded to them or who to contact about resolving it - I have never spoken to anyone from XXXX XXXX. 

If possible, I would have filed this complaint against XXXX, XXXX, AND Aargon - but I most of all want to find out how to resolve this and rectify the damage to my credit score. I have been dilligently building my credit for years now with excellent payment history against my credit cards and student debt and I am hugely perturbed to be hit with this surprise. If I had fairly incurred this expense in XXXX, I would have immediately paid it - and, frankly, if I hadn't been told that it was completely resolved, regardless of whether I'd incurred it, I probably would have just paid it before letting it do this damage to my credit score. How can these companies file these things against me without me never having received a call, an email, a bill in the mail or any opportunity even to resolve it?

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 2019-11-13 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 
CONVERGENT OUTSOURCI Reported : XX/XX/2019 {$140.00} There is no contract, no valid claims ... account was settled with original creditor ( XXXX ) and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

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 2019-11-13 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: SC

Complaint narrative:
SENT IN DISPUTE DOCUMENTS VIA USPS CERTIFIED MAIL, AND WELL AS THROUGH XXXX  'S UPLOAD PORTAL 2 MONTHS AGO. I AM SUBMITTING THESE DOCUMENTS ON MY OWN BEHALF. I WILL ASLO UPLOAD THEM IN ONLINE. PLEASE DO NOT SAY THIS IS A COMPANY SUBMITTING THEM. Send in information via CFPB to update my address to prevent any future access to my sensitive information. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that XXXX allows to do a soft inquiry on my credit profile. I would like for XXXX  to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. Several accounts were successfully opened in my names that are fraudulent and Id like to that them removed immediately. This information is listed below, both accounts and hard inquires that are a result of identity theft.

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 2019-11-13 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank handles credit transactions for a number of gas stations and retail stores. I enroll in auto-pay with them ( an all my accounts ), but it seems every year they cancel my auto-pay, wipe their records, showing all my online payments as " one-time payments '', and attempt to charge me a late fee. Every year I call and they are very quick to refund the late fee - no questions asked - and I re-enroll in auto pay. 

I suspect that Synchrony is engaging in " digital check shredding '' in order to collect fees from their customers. This should be investigated by the appropriate authority.

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 monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated
State: TX

Complaint narrative:
On XX/XX/XXXX I received a letter from debt collector Unifund CCR to inform me that they are servicing an account that is owned by Distressed Asset Portfolio III, LLC with a balance of {$9900.00}. The letter states that unless I notify their office within 30 days of receipt of this letter that I dispute the validity of this debt they will assume this debt is valid. The letter does not state that I owe this debt nor does it state that I am the owner of this debt. I sent a response letter to Unifund CCR via certified U.S. Postal Services on XX/XX/XXXX. In the response letter I formal dispute their claim and I requested that Unifund CCR provide me with validation, that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them or Distressed Asset Portfolio. I have not received a response to my request. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that Unifund CCR placed this account with them for collection. I was given another 30 days to dispute the claim. So, I sent XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX stating that this account has been placed with them for collection by Distressed Asset Portfolio.So, I sent XXXX XXXX XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. 
I sent another letter to Unifund CCR on XX/XX/XXXX as a third attempt requesting validation of all accounts of their claim. No response received. 
On XX/XX/XXXX I received a court Petition from the State of Texas saying I am being sued by Unifund CCR for breach of contract in the amount of {$9900.00} plus attorney fees of {$3300.00}. In each letter I sent to the above parties I stated that failure to receive their response within 30 day of receipt of my certified letter may result in small claims legal action against their companies at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the Fair Debt Collection Practices section 807-8 and violation of the fair credit reporting act section 623-b.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This happened sometime ago, but Equifax was involved in my Identity being stolen and my nightmare beginning. At one point in Life I had A1 Credit scoring, now it is below 500. I lost my job, so I used my credit cards to pay bills and so on, but when my identity was misused and literally stolen. I thought my world came crushing down on me. I beg of you to further investigate this case and let me know if there any possibility that I may have some closure to this. 

Respectfully yours, XXXX XXXX XXXX # ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
A loan was taken out in my name in XXXX, XXXX through XXXX XXXX. I was the borrower and mother was the co-borrower. This loan was taken out for {$27000.00} so I could complete my XXXX college education at XXXX XXXX University. Upon my graduation in XXXX, XXXX I had started to make the monthly payments with the loan servicer, XXXX. Due to lack of steady income I eventually defaulted on my loan and it was sold to multiple debt collectors over the years. Over the years since XXXX, I attempted to pay what I could on this loan. I was still never able to make the minimum monthly payments over {$500.00} for this loan so my loan continued to get sold to different debt collectors. From XXXX, XXXX through XXXX, XXXX I had been working with the debt collector, XXXX XXXX XXXX and making monthly payments between {$100.00} - {$300.00} until I lost my job in XXXX, XXXX. XXXX XXXX XXXX told me they would continue to work with me if my situation changed. I got a job in XXXX, XXXX and called XXXX XXXX XXXX to start making payments again. However, when I called I was told that my loan was no longer with them and they did not know who it was with. Today, XX/XX/XXXX I received a letter in the mail from a law firm reaching out to help me with a lawsuit that has been filed against me by XXXX XXXX XXXX. I have not been served or summoned so this advertisement I received from the law firm was my first knowledge that I was being sued by XXXX XXXX XXXX. 

I believe that XXXX XXXX XXXX is using deceptive collections practices by filing a law suit against me more than 10 years after I defaulted on this loan. The statute of limitations for private student loans does not exceed 10 years in most states. I took this loan out in XXXX and defaulted on it more than 10 years ago. By getting me to work with debt collectors and making fruitless payments in hopes that this would not happen, they have deceived me so that the statute of limitations re-started for them and they were able to file a lawsuit against me. 

For reference, my loan started at {$27000.00} in XXXX, XXXX and is now at {$44000.00} to date ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
checked my credit report and noticed collections that is not mine ... victim of identity theft!

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 2019-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: PA

Complaint narrative:
This is not a duplicate request or complaint. 

I made an agreement with " XXXX  XXXX, XXXX '' 's affiliate, " Stoneleigh Recovery Associates ''. The agreement included my promise to remit {$720.00}, payable to " Stoneleigh Recovery Associates '', check # XXXX, dated XX/XX/2019. XXXX  XXXX ' affilate informed me that this payment will be accepted and processed as " payment in full '' for the account they acquired from another lender. 

I was also informed that my credit file with all 3 major credit bureaus, XXXX, XXXX, and XXXX  would be updated to reflect that this account was satisfied and/or deleted. 

The payment was remitted, deposited and the funds have cleared. ( see docs attached, check front and back, check payment confirmation from online account ). 

The collection agency, XXXX  XXXX, XXXX/ Stoneleigh Recovery Associates have defaulted on our agreement. They have not held up their promise, an agreement we made to resolve this debt. As of this moment, the item in question - " XXXX  XXXX, XXXX '' is still being reported as an unpaid collection on my credit files. The item has negatively impacted my ability to secure lending. 

XXXX XXXX, XXXX/Stoneleigh Recovery Associates has intentionally breached our verbal contract agreement, abandoning their commitment after receiving payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: CA

Complaint narrative:
On Monday XX/XX/2019 I received notification of two fraudulent charges for {$300.00} on my Chase account. I immediately contacted Chase and let them know these transactions were not made by me and that I wanted them cancelled immediately. They said that although they are pending, they can not be cancelled. They asked me to contact XXXX, because it was through their money sending service. I contacted XXXX and they said that I had to go through my bank because it was a purchase made through my debit card. I called Chase once again and they said they cant do anything about it. I did not make these purchases and they took {$600.00} from my account. Chase doesnt want to do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
I checked my credit report and saw I have a collections account from Bull City Financial Solutions. I sent this agency a letter on XX/XX/19 and again on XX/XX/19 asking they validate the debt. The agency has not replied to any of my letters but yet continue to report the account to the credit bureaus as negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
My home mortgage was sold from XXXX To Loan Care LLC in VA. and I made an electronic payment of {$900.00} to Loan Care LLC in  XX/XX/XXXX which they can not locate. I have submitted proof of electronic payment from my bank several times. There customer service is terrible. I have send email made many call s through my bank but have not been reimbursed for this amount. This has never happened to me. How could they loose an electronic payment? This is theft.

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 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: MI

Complaint narrative:
XX/XX/XXXX application for residency was denied by Core logic Rental property solutions, LLC. due to outdated negative information reported from 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 2019-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: UT

Complaint narrative:
I reached out to my mortgage company who started servicing my home loan since XX/XX/XXXX From the beginning Ive always made my payments every month since then. I reached out to Flagstar a  couple of times in the past to see if there was anyway I could have my due date updated as I was incurring late fees every month, due to my financial situation Im only able to pay towards the end of the month past the grace period cut off date. I was advised several times that I was unable, I called Flagstar XX/XX/XXXX to see if they would negotiate the late charges on the account the first representative I spoke to was not able to assist me and seemed very un motivated to help the consumer, I asked if I could speak to a supervisor in which he kept me on hold for over 15 minutes to then just transfer me back into the collections call que, I then had to repeat my situation to the second representative asked what they could do to assist me and my reasons of why my account incurred late charges, the agent advised me that they would require me to pay {$600.00} + my XX/XX/XXXX payment in order for them to remove some late charges, I advised I was unable to do that at the time and that my ultimate goal was bring my loan due for XX/XX/XXXX but with late fees waived so that I had a fresh start as I received help. The agent advised her escalations team would not do that and was unable to assist me, as a consumer I felt like I was not being helped even when I advised that I could make two payments ahead of time. Im asking for my late payments to be waived and possibly have a due date change

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 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
IT HAS BEEN MORE THAN 7 YEARS SINCE MY BANKRUPTCY CLOSED AND IT SHOULDN'T BE REPORTING TO MY CREDIT PROFILE.

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