vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
This company XXXX said I owe them {$450.00} for a debt that isn't mine from a medical facility I never heard from or ever been too. I currently have been a victim of identity theft and this is clearly a result from that. This company is rude and is fraudulent and have many complaints on them. The facility that the agency claimed contact them don't have no recognition of me in they system because again, I never been there and thy don't even use that company for collection. I have disputed this with all three credit places to remove this because its not me. It literally popped up on my credit report as new information. They put me in collection for info that is not mine. Be aware of this company they are trying to debate that this is me and clearly its not.

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 2018-05-03 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: AL

Complaint narrative:
I have filed disputes with Transunion to removed old accounts that date of last activity was 8 years old and they refuse to remove. 

XXXX XXXX XXXX  Date of last activity XX/XX/2011 XXXX/XXXX   Date of last activity XX/XX/2011 XXXX/XXXX Date of last activity XX/XX/2011 XXXX  XXXX XXXX Collection has been paid in full over a year ago XXXX XXXX XXXX Collection has been paid in full over a year ago

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 2018-05-03 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: IL

Complaint narrative:
Called jp morgan chase to file a dispute regarding an unauthorized transaction and after review they explained they couldn't refund me sue to my card being in my position i explained that this purchase is unauthorized and i don't know who this vendor is. 

vendor : XXXX XXXX il transaction date:XX/XX/XXXX amount XXXX claim date :XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Item # 1 : XXXX XXXX  Item # 2 : XXXX XXXX XXXX This is my second dispute for the above items, and these items have yet to be verified as the law requires. I have never heard of these companies, nor have I ever had a contractual obligation with either of them. After requesting for these accounts to be validated, I have yet to receive any documentation from either of these companies such as : a signed contract showing that I entered into a contractual obligation with these two companies. According to the FTC, you are breaking the law by continuing to report unverified inaccurate items on my credit file. I am asking for each of these items to be deleted immediately. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. If this is not deleted, I will be left with no other choice but to pursue litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: IL

Complaint narrative:
Called jp morgan chase to file a dispute regarding an unauthorized transaction and after review they explained they couldn't refund me sue to my card being in my position i explained that this purchase is unauthorized and i don't know who this vendor is. 

vendors :XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$180.00} XXXX XXXX XXXX IL XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX IL XX/XX/XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX IL XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX IL XX/XX/XXXX {$150.00} XXXX XXXX XXXX   XXXX IL XX/XX/XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX IL {$440.00} XXXX XXXX # 1487 XXXX XXXX IL dipute date

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I was looking to establish a credit line ( through XXXX XXXX ) online for the purchase of a new cell phone. I was notified after electronically applying, that " additional information '' was going to be needed to properly process my application. " Barclays Credit Card '' requested that I send them photo copies ( both sides ) of my Drivers License AND my Social Security Card.. I have a " XXXX '' credit score across all three reporting bureaus. Although I'm personally offended ( considering my credit worthiness ) I also believe some type of " scam '' is somehow in place if Operator License info and both sides of a Social Security Card are being requested - especially in today 's day and age, with all the attempts at ID fraud etc.. PLEASE look into this!!!

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 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Item # 1 : XXXX XXXX  This is my second dispute for the above items, and these items have yet to be verified as the law requires. I have never heard of these companies, nor have I ever had a contractual obligation with either of them. After requesting for these accounts to be validated, I have yet to receive any documentation from either of these companies such as : a signed contract showing that I entered into a contractual obligation with these two companies. According to the FTC, you are breaking the law by continuing to report unverified inaccurate items on my credit file. I am asking for each of these items to be deleted immediately. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. If this is not deleted, I will be left with no other choice but to pursue litigation.

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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a Business loan and I got sick in XX/XX/XXXX and tried to make reduced payments and Capital One didnt want to so they filed a lawsuit and we went to court. I told the judge I knew I owed the money and they didnt want to make arrangements for lower payments due to Ill ess so it was bankruptcy or lower payment arrangements and they agreed to lower payment arrangements. I made all the payments and paid the final payment in XX/XX/XXXX and Capital One ever filed the Release of Lien that I paid of the judgment and now they or their lawyer dont want to file it. I have called XXXX and talked with XXXX, XXXX and XXXX at a call center. They can only relay messages to other departments. You never get call backs from these departments or follow ups, no addresses, phone numbers, e-mail addresses. You cant get anywhere past these three people. You are at a dead end with Capital One. Internet only has XXXX. XXXX XXXX XXXX is it a payment center or call center only? You get no where. Its a dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, Diversified Consultants Inc was in receipt of a letter I sent via USPS certified mail with receipt in reference to a tradeline item listed on my credit report under the company 's name regarding an alleged debt to XXXX. This letter requested verification and documentation of the debt from the original creditor including account numbers, amount owed, when the debt was obtained by Diversified Consultants and if they obtained this debt from a separate collection company. Requested was proof of the last billing statement originally sent by the original creditor, fee statements, if there had been any changes or adjustments since the last billing statement from the original creditor. Also requested was proof that Diversified Consultants is  was licensed in the State of Illinois under the Illinois Department of Professional Regulations as their company is located in XXXX, Florida ; a copy of the agreement with the original creditor ( XXXX ) showing proof they are legally authorized to attempt to collect the debt for XXXX ; and the amount the debt was purchased for, if they owned the debt. 

Diversified Consultants responded on XX/XX/XXXX via USPS First Class mail with the attached letter and copy of statement from XXXX as proof of the owed debt. 

Upon review of the letter and included statement, it was observed that the statement amounts listed owed, as verified proof and the letter sent by Diversified Consultants does not match. As no proof of changes to the debt amount had been sent as requested, this is a misrepresentation of the total debt amount owed and invalid proof of debt as there was not current verification of said debt with the original creditor, which would have provided accurate statement amounts. 

On XX/XX/XXXX, upon direct communication with XXXX, the original creditor, it was verified that the statement sent as valid proof by Diversified Consultants was in fact invalid and did not match the company 's records. 

All the above facts prove that Diversified Consultants misrepresented the debt entirely, including the total amount owed ; the validity of the debt ; that they verified the debt ; and that they had legal ownership of the debt to collect on it as a representative of XXXX as evidence of assignment, and that they are legally able to operate in the State of Illinois.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 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 am a victim of victim of identity theft and fraud. My XXXX XXXX account was subjected to fraudulent activity, I applied for the card but never received the first card. That card was stolen from my mailbox and incurred fraudulent charges without my knowledge in XX/XX/XXXX-XX/XX/XXXX. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. Last XX/XX/XXXX, I faxed my FTC report, copies of my IDs and a letter requesting to this company that the incorrect, fraudulent, derogatory information resulted from fraud/identity theft be removed from my report and asked this company to comply with FCRA 605B, which requires credit reporting agencies and creditor to block such information resulted from Identity theft. It is already the XX/XX/XXXX and nothing has been done. Attached to this complaint is a copy of what has been sent to them last XX/XX/XXXX and what I sent them again today XX/XX/XXXX ( sent them another request and a NEW FTC report and my IDs ). I am willing to take this further and am filling up an SC-100 ( Small Claims ) to have it ready to be filed if this issue still continues and if this company will still not comply with FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: LA

Complaint narrative:
This supposed debt owed to XXXX in the amount of {$480.00} was reported to credit bureaus about a year ago in XX/XX/XXXX by a collection agency named XXXX. I disputed the verification of this account. The debt account was then removed from my credit report. But, on XX/XX/XXXX, a collection agency by the name of AFNI has reported the exact same claim for this XXXX debt with a balance of {$480.00} to the credit bureau. Not only are they reporting a debt which was previously disputed and removed from my credit report by another company, but they have also placed a renewed date in which the former disputed debt was reported. I would like AFNI, Inc to provide accurate documentation which shows the validity of this said debt owed by me and/or remove this claim from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coast to Coast Financial Solutions, Inc.
State: TX

Complaint narrative:
I was not given a written notice from Coast to coast financial regarding an alleged debt that occurred in XX/XX/2013.

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 2018-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Recovery Service Incorporated
State: WA

Complaint narrative:
I have been contacted numerous times at my place of work from a debt company - they call themselves ARSI. They call from the number XXXX. They do not include any information in their message about what debt is owed. To my knowledge I have no outstanding debt ; I have excellent credit and pay all of my bills on time. 

They have been calling me for several months, and during that time have sent no formal letter in the mail detailing why I am being contacted.

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 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX at around XXXX I visited a Fifth Third bank ATM and I attempted to deposit {$1500.00} in cash into the ATM. Their ATM took my cash but the machine then stated that it didnt recognize any money being put into the machine so I cancelled the deposit and went into the branch to get the contact information of the dispute department. I filed my claim on XX/XX/XXXX and again on XX/XX/XXXX when I submitted my  reinsertion letter for the case to be further investigated. The branch submitted documentation showing that their ATM was out of balance. However, my case has been denied constantly even with the proof of the ATM being over balanced. I have yet to receive the credit to my account that I deserve and I am going to continue to be persistent in my efforts to resolve my case. I am asking that the investigator takes the documentation from the bank into consideration as well as video footage if the ATM is equipped with a camera.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
My house on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  nc was foreclosed in XX/XX/XXXX the second mortgage is/was held buy First Tennessee bank. they have been showing that i am " late '' on my credit report for two and a half YEARS!! I recently pulled my credit report to find this info..I assumed it was foreclosed back when the main mortgage closed. I called First Tennessee and was directed to the foreclose department and was told by XXXX on XX/XX/XXXX that they are reporting it properly and in so many words, told me that i ether set up a payment plan or they will do nothing!!! I lost this house in a divorce and the ex wife put it into foreclose and I could not stop it because she would not sign some paper work at the time ( XX/XX/XXXX ) I am simply asking for some help/guidance to get them to close the loan and move forward in the process so my credit does not show a " late '' payment this is what I sent to them from the form that XXXX stated I could fill out : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The house on XXXX XXXX XXXX XXXX was foreclosed on XX/XX/XXXX. you have been showing this loan as being late on my credit report.. I need please review the loan and move forward to close this out.. I think that nearly three years as " late '' is very unprofessional..I spoke with XXXX in the foreclosure departmentXX/XX/XXXX and you now have all of my contact info. I am filing a report with the Consumer Financial Protection Bureau. I expect this to be resolved promptly. Thank You XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The loan # XXXX  First Tennessee Bank XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Foreclose Department XXXX XXXX XXXX  My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: National Student Debt Advisory Corp.
State: PA

Complaint narrative:
I have received multiple calls PER DAY from different numbers, all claiming to be affiliated with the National Student Loan Forgiveness Program associated with the Department of Education. The call begins with a recorded message saying " this is truly a final attempt to reach you ... '' due to XXXX  failing to notify their borrowers of forgiveness programs available to them. After over a year of these calls, blocking dozens of numbers, and asking repeatedly to be removed from the list, the calls continue. 

I am having no problems repaying my loan, and my annual-salary-to-debt-owed ratio is such that I do not qualify for any of these programs anyway. I have reiterated this multiple times, and yet every day the calls roll in ( just ignored one of them while typing this, in fact ). It occurs mostly during work hours on weekdays, but I've had the occasional call past business hours and on weekends. It is borderline harassment that they keep calling my personal cell phone at all hours, to no end, after I have gone through their process multiple times to appease them and land on the answer that I already know is coming. 

I may have filled out a survey years ago out of curiosity, searching for ways to lower my overall amount owed, but this is ridiculous that this continues. I would like to know the end-all way to stop these calls, which have consumed a larger percentage of my waking hours than I'd care to admit. Does anyone else have this problem? Is there any suggested way to ward them off when the first point of contact is obviously someone who does not have the authority to remove me from a " list ''? 

I would greatly appreciate any information you can provide. 

Thanks, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I have {$1700.00} in my USD wallet on Coinbase. OnXX/XX/XXXX XXXX Coinbase closed my account without warning or reasoning. Coinbase is not providing me with an option to get my money back and there is no linked bank account for me to recieve my funds. On XX/XX/XXXX I contacted their support and had ticket number # XXXX assigned to my case. OnXX/XX/XXXXI recieved an email from their support team asking for a screen shot of the issue i am having in which i replied the same day.I informed them that i have only made wire transfer deposits and never linked my bank account. It is now XX/XX/XXXXand i have still not gotten any help. I need my money back and every time i call support nobody will help me.

Company response to consumer: Closed with explanation