vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
My complaint is with XXXXRS accounting Resolutions Services LLC, located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX. I have been calling and emailing ARS accounting Resolutions on several occasions since XX/XX/2021 concerning their false bill reporting on my credit report. 
XXXX is trying to collect on a debt that I already paid and settle with another collection agency. I settle this debt with XXXX XXXX XXXX collection agency located at XXXX XXXX XXXX, XXXX SC XXXX. And I have sent to ARS proof of payment receipt. I sent ARS the letter receipt from XXXX XXXX now 4th times. ARS refuses to remove the false bill from my credit report. When I called them the representative stated that she received my email, but not the attachment. I re-sent email as well as attachments on several occasions. 
After several attempts I contacted XXXX, ( XXXX XXXX XXXX XXXX ) at XXXX and I spoke to a representative XXXX, who informed me to dispute ARS false bill with XXXX, as well as to contact ARS directly at a different contact telephone number that she gave me. 
I contacted ARS at the new number that XXXX gave me and the representative Ms XXXX advised me to re-send the proof of payment receipt via email again. 

This would be my 5th time sending an email to ARS accounting Resolutions Services LLC, located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX with proof of payment from XXXX XXXX XXXX collection agency located at XXXX XXXX XXXX, XXXX SC XXXX. 
I am filling a complaint against ARS ( accounting Resolutions Services LLC ), located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX for violating The federal Fair Debt Collection Practices Act ( FDCPA ). As a consumer my rights have been violated by ARS as their refusal to comply with Federal Law procedures in not protecting my rights as well as my violating my credit report. I would like to get {$1000.00} monetary compensated for their violations in lowering my credit report and not removing the false bill even after I have provided proof and receipt on several emails and communications. 
Attaching all proof of receipt and documents. 
Thank you

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 2021-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/20 LVNV FUNDING LLC PO BOX XXXX XXXX, SC XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: IL

Complaint narrative:
I recently checked my TransUnion credit report and discovered 5 inquiries that were unauthorized. Many of them seem to be duplicates. I reached out to both the account holders and TransUnion. The creditors claim to have no information of the additional inquiries and TransUnion refuses to review the accounts/inquiries for accuracy. I have contacted TransUnion 4 times with regard to this matter with not satisfaction. I feel these inaccurately reporting inquiries are harming my credit report and my chances of getting additional credit in the future. I would ask that your agency investigate TransUnion for unfair and illegal reporting practices.

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 2021-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc.
State: MD

Complaint narrative:
I called the number on my statement 3 times. The first 2 times, there was no one available to answer my questions. I asked for someone to call me back and that never happened. The phone is answered by people who seem young and uneducated as to the nature of their job. I know companies these days like to hire young inexperienced people who they don't have to pay. So maybe that's why. I remember when companies had integrity, What a shame. 
Yesterday, XX/XX/2021, I spoke with a woman named XXXX who ended up hanging up on me while I grew increasingly frustrated by her non-sequitur answers after being on hold for 20 minutes, waiting for what ended up being not only NO help but further stress and confusion. She did not know if extra payments were applied to principal or interest. " It depends '' was her answer and she seemed to suggest that a few late payments were responsible. I had handled those late fees by phone when they happened. I'm sure a few late days did not eat {$900.00} The issue : Additional payments were made on my account totaling {$900.00}. Nevertheless, I still owe the full payment as if I made no additional payments over the course of the loan. I only have 2 months left on the 60-month loan and when I re-calculated an amortization schedule, It shows that I owe next to nothing ( {$5.00} ) for the last 2 months, which makes more sense than the balance shown on my statement owed- which is {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
My Lease was for 39 months, XXXX miles for a XXXX XXXX XXXX. It started on XXXX XXXX. I turned it in in order to purchase a new XXXX XXXX on XX/XX/XXXX. It was at XXXX miles and normal wear and tear. Despite this I was informed I had to pay for the wear and tear, approximately {$700.00}. I was able to talk it down to approx {$300.00}. However, it was a compromise and I should not have had to pay anything per my contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report 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 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax is a insanely incompetent company and should not be trusted with consumers personal information, not to mention data that so dramatically affects peoples lives. How many data breaches have they had? 
Aside from having inaccurate information on my credit file, I have been unable to access my account on my equifax.com for over 3-weeks. I have called multiple times and spend countless hours on hold and speaking with equifax representatives. I have a paid equifax credit monitoring account that has been locked and no one can tell me why. All the information I receive from equifax representatives turns out to be false. In addition equifax clerkly outsources there call center to another country, so a non-US citizen has access to my personal credit data. There business operations are unacceptable and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I called the bank informing that my job was terminated and I am waiting to receive money from unemployment. The rep said that there was nothing they could do unless it was a few days before my next payment was due. I asked if we could set up an arrangement so that my credit stays in good standing. She said that " you're account is on current and on track, and there is nothing we can do unless payments default and we report it negatively to the bureaus. '' I thought that was wrong because my account had to be in a bad standing before they would assist me or give me options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$950.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full and should be reporting a {$0.00} balance. This account needs to be updated to report accurate information. This false reporting of a collection is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: NC

Complaint narrative:
On XX/XX/XXXX XXXX XXXX EDT, I called in and spoke with an agent ID XXXX. 

I made a payment in the amount of {$1000.00} and requested to allocate the funds as follows : 1. {$40.00} - monthly payment towards XXXX XXXX. {$200.00} - to close cash advance 3. {$0.00} - towards standard ( non-promotional charges ) 4. the rest of the money should go to the oldest ( by date ) promotional charges as the expiration date is approaching. 
Then I called in on XX/XX/XXXX and spoke with the account manager, agent XXXX and ask to correct the allocation as requested which I was told that the " correction usually takes 2 to 4 billing cycles ''. This is a deceptive practice as my statements show the opposite. PayPal credit is ignoring its own policies and continues trapping its consumers to pay unnecessary fees.

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 2021-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I went into a deferred payment in XXXX of 2020, that deferred payment plan was due to Coronavirus and the Pandemic and lasted 6 months, in XXXX of 2020, I began making my scheduled payments with them in accordance with our terms. Wells Fargo Dealer Services has since stopped reporting the account on my credit entirely. Since XXXX of last year this account has not reported on my credit. That is one full year of payments, that were made on time, that were never reported. HOW DARE THEY! They have failed to meet their obligation to report to the credit bureaus! I DEMAND JUSTICE!

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 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Audit & Adjustment Co. Inc.
State: CA

Complaint narrative:
I started XXXX XXXX, I didn't realize that there was a separate bill from the physicians. 
The bills were sent to an old address. 
The debt collectors would not explain who the creditor was. Eventually it appeared on my credit without written notice. 

Now willing to pay in installments, but would like item removed from my credit since the collection agency did not provide an explanation.

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 2021-04-21 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: NC

Complaint narrative:
XX/XX/XXXX I opened a credit builder account with Self Inc. On XX/XX/XXXX I told them I no longer wanted their service and I paid their fees. They updated XXXX and XXXX to show a paid and closed loan for XXXX. Self Inc refuses to update XXXX. Ive disputed this account with XXXX and XXXX will not update because Self Inc says that its a open loan with a balance of XXXX. Ive given XXXX proof of the paid and closed account. Ive contacted Self Inc several times via online chat and by email. Still nothing is resolved. It looks like I have debt on my credit report owing a company XXXX dollars even though it is not a real loan. Ive paid their fees and contacted both sources but no one from either company will resolve this issue. XXXX and XXXX had updated correctly. It took like the end of XXXX to update. XXXX refuses to update or Self Inc is giving false information to them about me owing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: NY

Complaint narrative:
I have contacted XXXX  by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX ( Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.

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 2021-04-21 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: NY

Complaint narrative:
I have contacted XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX ( Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX CARDS XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: NY

Complaint narrative:
I have contacted XXXX XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.

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 2021-04-21 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: MS

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX/XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation