vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 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: WV

Complaint narrative:
Account resolution Service is contacting me regarding medical bills that were paid by insurance to the original creditor XXXX XXXX XXXX. By them selling my medical information to a second party company, they are violating my rights under HIPAA. One account is showing {$680.00}, another account is showing {$1000.00}, another showing {$910.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I have attempted to resolve this issue once with IC System, Inc. ( " IC '' ) and the original creditor, XXXX XXXX XXXX  -- in XX/XX/XXXX -- and one previous time with XXXX XXXX XXXX -- in XX/XX/XXXX -- which attempt went unanswered.

I returned all of my XXXX XXXX XXXX XXXX equipment to XXXX XXXX XXXX   when I moved in XX/XX/XXXX, and thereby canceled the service. I have a shipment receipt from the XXXX XXXX ( XXXX XXXX XXXX XXXX specific vendor for this purpose ) evidencing the return of all leased equipment. As of the date I returned the leased equipment, my bill should have been about {$250.00}.

In XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX proffered an invoice to me purporting to demonstrate a total amount due on my cancelled XXXX  account in the amount of {$770.00}, which included charges for service, and charges for rented equipment, through XX/XX/XXXX. In XX/XX/XXXX, IC sent a collection notice from IC System for the same alleged debt.

In XX/XX/XXXX, I sent letters, with numerous exhibits to both XXXX XXXX XXXX and IC. IC sought perfunctory evidence of the indebtedness from the creditor, which XXXX XXXX XXXX provided, and IC sent a new collection notice in XX/XX/XXXXor XX/XX/XXXX. The evidence provided by XXXX XXXX XXXX and relied upon by IC -- apparently without having been reviewed -- plainly contradicts the claim that my balance is {$770.00}, because the document shows that XXXX XXXX XXXX charged rental fees for equipment that had already been returned and was in its possession. ( I was not under a service contract at this time ; the term had ended in XX/XX/XXXX or early XX/XX/XXXX. ) Accordingly, even if I somehow still could possibly have had service at a residence I no longer occupied or had anything to do with, XXXX XXXX XXXX is still charging rental fees for equipment that had been returned. IC knew and knows of this defect, yet insists that I am on the hook for the {$770.00} figure.

I have invited IC and XXXX XXXX XXXX to calculate the amount I owed in XX/XX/XXXXbut they have refused. IC is now posting the purported debt to the consumer reporting agencies, and I have informed IC that it should prepare to sue me. ( I am a financial services litigation attorney, and obviously have counter-claims in mind. ) I have always been willing and able to pay whatever balance was due on my XXXX XXXX XXXX XXXX account as of XX/XX/XXXX. BUt I will not allow IC and XXXX XXXX XXXX to shake me down for indebtedness that I do not owe and never incurred in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
One on my credit report is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 


XX/XX/XXXX {$600.00} The date is incorrect, its been more than 6 years & in the state of Arizona that is past the statute. The next one is with XXXX XXXX and I'm pretty sure its the same charge from XXXX XXXX  from XXXX or before that year? It shouldn't be on any of my credit reports. 

XXXX XXXX XX/XX/XXXX {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had my attorneys send letters to all 3 CRA for the following accounts and agencies ... 
Equifax 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX 1.XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX 1.XXXX XXXX XXXX XXXX 2.XXXX 3.XXXX XXXX XXXX ...

Requesting verifiable proof of these debts in accordance with the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I just want to dispute these three HARD INQUIRIES Hard Inquiries : 1- XXXX XXXX., XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

2- XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

3- XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ZARVAD III S.A.
State: NV

Complaint narrative:
It is XX/XX/XXXX and I have received at least 4 calls since last week from XXXX looking for me ( former married name from XX/XX/XXXX ) ... and they've even called my family ( some of whom I don't even have a phone number for ) and friends! This was in regards to a payday loan I had discharged in XX/XX/XXXX and when I called them back, I requested that could send them proof of said discharge. ( The phone number I called back was XXXX ) I was told to pay them first ( not send in the proof ) and then I could have the option of disputing it in court. I told them I wasn't going to pay something I knew 100 % had already had discharged over 8 YEARS ago. They called again today and I told them I would like to speak to a manager ... .guy said he would transfer me and instead hung-up! I called back and stated I was just about to be transferred to a manager and to please do so and the lady ( this time ) stated the managers had already left about 30 minutes ago! TOTAL SCAM!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I obtained ride services from XXXX  and utilized my M & T Bank debit card for payment. The charge for the transaction was {$4.00}, with {$2.00} added by myself for a tip, for a total of {$6.00}. However, I discovered a second charge of {$13.00} for the same ride. I contacted XXXX and they confirmed that the second charge of {$13.00} was only supposed to be an authorization. However, it turned into an incorrect second charge, subsequently processed by M & T Bank. I submitted a dispute of the incorrect second charge of {$13.00} with both XXXX and M & T Bank. On XX/XX/XXXX I received correspondence from M & T Bank stating that my dispute claim had been denied ( claim # XXXX ). I discovered that M & T Bank investigated the wrong XXXX charge of {$6.00} and not the second incorrect XXXX  charge of {$13.00}. I informed M & T Bank of their investigative error but they have not initiated a new investigation, or reversed the incorrect charge.

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 2018-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Windham Professionals, Inc.
State: VA

Complaint narrative:
I do not have any debts in collection status. This company, Windham Professionals has been told repeatedly they have the wrong telephone number for individual with similar name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Iam a victim of Transunions inquiry issue XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
One on my credit report is with XXXX XXXX XXXX XXXX XXXX XXXX BANK USA XXXX. 


XX/XX/XXXX {$600.00} The date is incorrect, its been more than 6 years & in the state of Arizona that is past the statute. The next one is with XXXX XXXX and I'm pretty sure its the same charge from XXXX   XXXX from XX/XX/XXXX or before that year? It shouldn't be on any of my credit reports. 

XXXX XXXX XX/XX/XXXX {$880.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
One on my credit report is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


XX/XX/XXXX {$600.00} The date is incorrect, its been more than 6 years & in the state of Arizona that is past the statute. The next one is with XXXX XXXX and I'm pretty sure its the same charge from XXXX   XXXX from XX/XX/XXXXor before that year? It shouldn't be on any of my credit reports. 

XXXX XXXX XX/XX/XXXX {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
One on my credit report is with XXXX XXXX XXXX XXXX XXXX XXXX BANK USA XXXX. 


XX/XX/XXXX {$600.00} The date is incorrect, its been more than 6 years & in the state of Arizona that is past the statute. The next one is with XXXX XXXX and I'm pretty sure its the same charge from XXXX   XXXX from XX/XX/XXXX or before that year? It shouldn't be on any of my credit reports. 

XXXX XXXX XX/XX/XXXX {$880.00}

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 2018-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX a vehicle was purchased through XXXX XXXX. I lost my job in XX/XX/XXXX due to a XXXX XXXX XXXX. The vehicle was pulled out of my grandmother 's yard leaving prints. The car was then sold. I then saw on my credit file that a little one XXXX was owed. It then went up to XXXX and now over 20k yet it shows charge off/profit/loss on my credit file yet this amount still keeps growing. If this is a charge off how can the amount keep growing with no vehicle. Plus this company keeps re aging and showing up as if it is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a Chase Sapphire Reserve card which comes with a membership to a program called Priority Pass which allows access to airline lounges. I traveled out of the country on XX/XX/XXXX and realized when I was at the XXXX International airport that I left the priority Pass card at home. I made 4 phone calls to Chase to ask for my membership number for Priority Pass ( so that I could be allowed to enter lounges while traveling ) but eventually I was told that the department that could give me my number was closed on the weekends but that if I paid for a lounge at each of the airports I would be traveling through on my trip, using my Chase card and that when I returned I would get a refund of my money. I clarified that this was truly the case and was told that I would get refunded the money. On XX/XX/XXXX I used a lounge in XXXX for which I was charged {$110.00}. I did not use any other lounge on my trip. When I returned I called Chase Sapphire Reserve twice about this matter and received a letter in the mail each time stating that they would not refund the charge since in XX/XX/XXXX they had reimbursed {$40.00} for another lounge I used ( this was because I had not received my Priority Pass by mail in time for my trip ). I was told on the phone very clearly that Chase would refund the cost of the lounge but now I am not getting the refund. I don't think this is fair especially since there Priority Pass department is closed on the weeekends and since I pay a {$450.00} annual fee for the card to get benefits like Priority Pass.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
i have disputed this account multiple times with Franklin collection services, both online and by mail. The same XXXX XXXX XXXX account continues to be re-reported under a slightly different name and amount. i am a victim of identity theft and this fraudulent account is harming me financially. 

I only have access to limited information, because this is NOT my account. 

reporting as : account # XXXX amount : {$210.00} original creditor : XXXXXXXX XXXX XXXX I do not know the address associated with this account, because it's not my account. it more than likely belongs to my ex husband, XXXX XXXX, XXXX XX/XX/XXXX. SS # XXXX. address : XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX. XXXX XXXX. He moves and gets evicted constantly due to drug related issues, and I have court documents to show that I am not responsible for anything he did with that house or any of the utilities after we separated on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am having multiple problems with Transunion that I want fixed so I can pursue a new student loan. 

1 ) An incorrect collection is being listed on my report from XXXX XXXX XXXX. XXXX wrote Transunion asking for it to be deleted, Transunion has not deleted this tradeline. 

2 ) a XXXX credit card account from 2011 is being listed twice - one incorrectly with a 60 day late. Not only is this past the DOFD, but XXXX XXXX has acknowledged that they do not recognize that account. It has not been deleted. 

3 ) Transunion has locked me out of online disputes. They said to call them to reopen it. I called an agent at Transunion a few weeks ago who refused to unlock my account. They are trying to keep me from filing disputes for inaccurate information on my report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
>>>>> Investigation Results <<<<< Credit Reporting agency failed and continues to fail in correcting my name on the report, our repeated complaints went unanswered. 

Several erroneous names that do not belong to me appears in the Personal Information secion still!!! 

I provided my Government Issued ID and my Social Security Number ( copies ) multiple times to prove my identity and requested that they remove ALL inaccurate and other names that I never had before. 

My Name is : XXXX XXXX XXXX I have NO other names, NO variations of spelling, NO other names before. 

Please correct and remove all other names from my 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 non-monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Capital One credit card that I can not seem to get a replacement card for. It has been over two years and in both years, I have paid an annual fee for a card that I don't have in my possession. I have on two separate occasions requested a replacement card to be mailed to my mailing address. Both times I have been asked to fax/email a copy of my drivers license and other documentation to support my mailing address. I have both times send over the requested documents and still have not been issued a replacement card. I have paid annual fees in the past two years and no card. 
I do not want to close the account since it will affect my credit, but I want my replacement card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an email from XXXX alerting me that a credit inquiry from Citibank had been ran using my name, address, and social security number. I do not have any accounts with Citibank. I disputed the inquiry with XXXX and left it alone. Later, I got the " confirmation '' letter in the mail, however it was in XXXX, and I do not speak XXXX, so I knew that someone had tried to commit fraud. I called Citibank and reported the fraud, and they told me that they would handle the situation. However, as of today, the inquiry is still showing on my XXXX and is bringing my score down into the yellow. I want the inquiry removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
contacted transunion credit bureau and spoke to 3 different non English speaking hard to understand employee who refuses to look it to 7 hard inquiries that where not mine. ( 1 ) XXXX XXXX XXXX ( 2 ) XXXX  XXXX  XXXX ( 3 ) XXXX XXXX XXXX ( 4 ) XXXX  XXXX XXXX ( 5 ) XXXX   XXXX ( 6 ) XXXX XXXX XXXX and ( 7 ) XXXX  XXXX XXXX and they refused to remove the hard inquiries and stated it only affects my score a little.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
We agreed to pay up to {$150.00} a month for TV and internet services for 2 years. I also let them know that we were on an fixed income and could only pay so much a month and they said that they could and would keep the bill under a {$150.00} a month. But every month after XXXX XXXX XXXX took over XXXX XXXX XXXX had to call to let them know that that was not our agreement. So after so many months of trying to them to fix the problem my husband and I went elsewhere for services. Now XXXX XXXX XXXX & XXXX XXXX say we broke the agreement I didn't they did.

Company response to consumer: Closed with non-monetary relief