vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D.S. Erickson & Associates, PLLC
State: AZ

Complaint narrative:
I received a letter from DS Erickson, an attorney, on XX/XX/XXXX, alleging that I owe a medical debt from XXXX XXXX of {$1300.00}. I have also received notice of the same amount from two other credit collection services, also alleging the same debt. I filed complaints with CFPB for these also. The debt is allegedly from services never received from the XXXX XXXX in Arizona. I completed my medical care with XXXX in XXXX, and received a XXXX XXXX XXXX   that was fully paid by XXXX XXXX as XXXX. I was told there would be no charge to me for the quarterly monitoring of this device. I began receiving bills for monitoring of the device last year : apparently the XXXX device calls XXXX XXXX without me knowing and send them information about my device. I have not gone to XXXX clinic, nor did I call them to monitor the device. This device calls on its own, and then XXXX sends me a bill each time the device calls them for over {$450.00} for each call. I have no ability to stop these calls and I did not authorize them to call or for any services. Again, when XXXX installed the device they promised me that all future monitoring would not be charged to me since this device was implanted at no charge to me as charity.

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 2020-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
My brother lives in Texas and he send me money through Cash App. In XXXX XXXX XXXX {$79.00}. And its said the money was successfully deposit. But never was deposit in my account. Then in XXXX. XXXX XXXX he send me {$25.00}. And XX/XX/XXXX he send {$140.00}. And I told him not to send me more money though this app, because they never deposit the money. I send several emails to this company never respond. I try to reach them in several websites. XXXX, XXXX, XXXX. Email. But non one respond. I read several comments through these apps and Im not the only one who is trying to reach them.. they taking money from taxes also. This company is taking money from people, who really need it in this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: TX

Complaint narrative:
XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 72 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$1700.00} XX/XX/XXXX Creditor Name XXXX  XXXX XXXX  XXXX Account Type Credit Card Account Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Education Loan Account Status Closed Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2100.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times XX/XX/XXXX Days Late 0/0/0 Remarks Paid collectionXXXX XXXX Account Type Education Loan Account Status Closed Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$320.00} XX/XX/XXXX Creditor Name XXXX XXXX   Account Type Education Loan Account Status Closed Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$340.00} Payment Status Collection/Charge-Off Worst Payment Status XXXX XXXX XXXX XXXX, XXXX XXXX loan XXXX XXXX merchant 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 2020-05-22 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: TX

Complaint narrative:
XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 72 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$1700.00} XX/XX/XXXX Creditor Name XXXX  XXXX XXXX  XXXX Account Type Credit Card Account Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Education Loan Account Status Closed Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2100.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Paid collectionXXXX XXXX Account Type Education Loan Account Status Closed Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$320.00} XX/XX/XXXX Creditor Name XXXX XXXX   Account Type Education Loan Account Status Closed Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$340.00} Payment Status Collection/Charge-Off Worst Payment Status XXXX XXXX XXXX XXXX, XXXX  XXXX loan XXXX XXXX merchant 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 2020-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Please provide validation of the debt and method of verification for this account : LVNV FUNDING LLC / RESURGENCE CAPITAL , LLC # XXXX I'm not familiar with is account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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 saw an account from XXXX appearing on my credit report today XX/XX/20 ; The only reason I was checking my report is because I am going to trade in my car in the next month or so. That account does not belong to me and I didn't allow anyone to open it using my personal/confidential information. I don't know who is responsible for this but I have already filed a police report. I did not benefit anything form this account being open in my name nor did I ever make any payments towards this account. I am not affiliated to that company in any way and I never gave them permission to access my credit information. I have filed a complaint with the Consumer Financial Protection Bureau regarding this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have filed complain number XXXX that was closed without a correct resolution and I do not agree with their " investigation ''. I had no chance to refute their false version and they have not responded correctly to most of my questions. 

I requested it to be reassessed however bank of America remained silent. So I am opening a new complaint. 

- Why haven't I be informed of the potential closure of my account? 
- Why no one contacted me after my requests for negotiation and " promise to pay '' - Why have I filled out my financial information, the website said someone would contact me, and never did? 
- Why a supervisor agreed with me saying " someone dropped the ball '' when talking about my acount being without any support after I stated I was having problems to pay? 
- Why they said they gave a monetary support of {$40.00} ( referring to 2 late fees + interest ) when one late fee is {$39.00} so two late fees would be {$78.00} ( plus said interests ... ) - Why my account was not reinstated upon request since it was canceled without informing me it was on the verge of cancellation? 
- Why no payment plan was offered since I requested it on last complaint? 
- Why it is being reported incorrectly to credit bureaus given all the above said? 
- Why after I requested the contacts of the legal department to pursue legal actions the department has not replied to my email with instructions?

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 2020-05-22 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: UT

Complaint narrative:
My Credit Score from XXXX submitted to a mortgage company is at 'XXXX  ' ( TransUnion ) which was based on XX/XX/2019. It was reported that I have -'serious delinquency ' -'too many delinquent accounts ' -delinquent account appears too recent ' These are not true and I refute all of these. We pay off our credit cards in full every month. 

Thanks, 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 2020-05-22 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: CA

Complaint narrative:
I saw an account from XXXX appearing on my credit report today XX/XX/20 ; The only reason I was checking my report is because I am going to trade in my car in the next month or so. That account does not belong to me and I didn't allow anyone to open it using my personal/confidential information. I don't know who is responsible for this but I have already filed a police report. I did not benefit anything form this account being open in my name nor did I ever make any payments towards this account. I am not affiliated to that company in any way and I never gave them permission to access my credit information. I have filed a complaint with the Consumer Financial Protection Bureau regarding this unauthorized account.

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 2020-05-22 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: CA

Complaint narrative:
I saw an account from XXXX appearing on my credit report today XX/XX/20 ; The only reason I was checking my report is because I am going to trade in my car in the next month or so. That account does not belong to me and I didn't allow anyone to open it using my personal/confidential information. I don't know who is responsible for this but I have already filed a police report. I did not benefit anything form this account being open in my name nor did I ever make any payments towards this account. I am not affiliated to that company in any way and I never gave them permission to access my credit information. I have filed a complaint with the Consumer Financial Protection Bureau regarding this unauthorized account.

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 2020-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: UT

Complaint narrative:
My Loans are with Nelnet-I believe they picked up loan in XXXX. 
1-My Federal Student Aid acct mistakenly lists me as having borrowed {$620000.00}. Fed Student Loan people said that is due to the people who service the loan. 
2-Nelnet told me my loans were covered under the Cares Act waiver of interest from XXXX to XXXX. I had called to see if I had to fill anything out. They said nope we do it all for you ... They tacked on XXXX of interest on XX/XX/XXXX. When I called Nelnet a different rep said no you aren't covered because you are in bankruptcy. 
3-Nelnet is not able to send me documentation of my loans or amount borrowed ... they said they would send me a promisary note they had for XXXX. I didn't borrow XXXX. 
4-Federal student aid Omnibudsman said my loans were consolidated in XXXX which is incorrect. My loans were switched to 6 different servicers over the years-not because I requested but because they took them ... a lot of errors and misinformation appears to have occurred due to the various servicers errors. 
5-One man at Nelnet will not allow me to pay on my loans but is continuing to post interest to the loan. My student loans were not part of the bankruptcy and were listed as " outside of bankruptcy. '' Nelnet said I have to go to my judge and get him to allow me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XX/XX/20 Disputed An Item Been Reported By Collection Agency LVNV With The Amount {$610.00} Which I Was Requasting To Have This Item To Be Removed From All Of My Credit Bureau Since They Verified it [ Without Providing Any Proof, Bearing My Signature. ] See Attachment Below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I have been waiting on a card to be issued since XX/XX/2020 and I still as of today XX/XX/2020 have not received a card. I would like this money to be transferred to my checking account since no card as been sent to me or issued. I have called on the phone and it keeps hanging up for 2 weeks now. I have sent emails to the ga. dol. Gov and still no one has replied nor called me back.i have tried calling this company because you are the ones issuing the card. It's this company that I have the promise with. Where is my card with my money on it?? I no I'm not the only person there are thousands of people that need help. But since no card has been sent out to me I want my money sent to my checking because I have been waiting for forever. Please respond. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX, and XX/XX/2020 I attempted to transfer funds through XXXX from my Chase Checking Account, to my mother 's XXXX  XXXX XXXX checking account. After a couple of unsuccessful attempts, I contacted Chase for assistance on this matter, which at that time I spoke to a Chase representative on the above days over the phone and in the branch to get assistance on transferring funds from my account to my mother 's XXXX  XXXX XXXX account. Unfortunately, due to the misinformation received from the chase representative, I kept attempting to transfer funds, which was unsuccessful, and Chase closed my account due to suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
They offered Forbearance in XXXX with Covid- 19 hardship that I would have to pay lump sum come XXXX. I received a letter XXXX stating. Temporary Hardship Forbearance Plan ( " Forbearance Plan '' ) and now I was approved for Payment Deferral. Only approved for 2 months XXXX and XXXX. Come XXXX I still have to pay a lump sum of {$1200.00}???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Portfolio recovery continues to call everyday, although I already told them not to call and that I have received there information in writing. There telemarketers are argumentative and rude. I feel like Im being harassed. They call back from different numbers and dont stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I got a Best Buy credit card with the purchase of a washing machine. I also got about {$75.00} in Best Buy refund dollars. I went in to the store in XXXX to but a {$55.00} item, i asked to have it applied to my {$75.00} of refund points. The cashier put it on my credit card. When I called Best Buy to fix the issue ( called a couple times ), they sent me from person to person, then put me on terminal hold twice. I am pretty sure there was no one in that department. I was never asked to leave a message. I finally got fed up and paid {$59.00}, including interest. then the next month i got another bill, this time for {$28.00}. the interest for {$55.00} over the period of 1 month was {$32.00}. I paid off the card and closed it. the stated interest rate was 25.24 % ( i was a little surprised ) but that does not account for {$32.00} for a $ XXXX.I was not late, and this was during the COVID19 grace periods. Best Buy made no attempt to help, or figure the issue out, just let me sit on hold and occasionally talk to an employee who was unhelpful.

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 2020-05-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
I wanted to not agree to terms of service to receive a refund for IRS EIP money ( Paper check desired instead ). Tried to call customer service on card but there is no way to refuse terms of service or speak to representative. Activation of card is the only option. In an effort to talk to a person to request a refund I had to activate the card and then no customer service option was even offered. There is no way to contact customer service to request a refund, card activation is the only option.

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 2020-05-22 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: MN

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

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 2020-05-22 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: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

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 2020-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: AZ

Complaint narrative:
On XX/XX/2020, I received a letter from Synergetic Communications Inc, alleging that I owe a debt of {$15000.00} for a credit card debt I never owned. In this letter, the creditor wrote : " This debt is too old to be sued on in court as the statute of limitations has expired, and you can't be required to pay it through lawsuit. The statue of limitations may be renewed on this debt and start the time for filing a lawsuit against you to collect the debt over, if you sign a paper in which you admit that you owe the debt. '' This is clearly a deceptive attempt to collect an old debt from someone else and not me. I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation