vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I just seen a account from Ability Recovery Services LLC pop up on my credit report randomly one day ( Back in XXXX-XXXX  of 2019 ). So a few months go by then I decided to write them a letter around XX/XX/XXXX or so XXXX ishh and let them know my concerns regarding the bill and I would like VALIDATION not Verification of the item on my credit report. They then sent me a letter back saying basically you owe this debt to us and we bought it from the original creditor XX/XX/XXXX. They then have an attached document to go with it showing some doctor or so they say I went to they claim, and just an amount? I then sent in a letter letting them know if thats the case they're violating HIPPA Law by releasing medical documents without a hippa release form and a suit will be filed by me and my attorney if it is not removed from my credit profile. 

Also detailing the guidelines under the FCRA. It's been 2 weeks with no response of validation, full break down of the bill, bill of sale, or proof of a Hippa Release form. The 2nd letter regarding the violation was sent out XX/XX/XXXX & received XX/XX/XXXX. Today is XX/XX/2019. 2 weeks from the day. I dont want to have to take legal action. And it's best for everybody if its just removed from my credit profile. If not I will sue for monetary damages, loss of wages, and legal/lawyer fees. I have just spoken with my Attorney today and we're ready to take all courses of action but would rather not to avoid senseless situations like this but will if need be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ULRS, Inc.
State: CA

Complaint narrative:
This debt is from XXXX It is out of statute the Rep tried to coerce me to pay it, although it is 6 years ago then they lied to me about who owns this debt They are reporting this debt as of XXXX, but they lied and told me this is being correctly reported. 
I want this debt reported correctly as of XXXX It is seriously harming my credit please see the attached statement

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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:
The accounts listed below MUST BE REMOVED IMMEDATELY! I filed a complaint with each credit bureau, local law enforcement and the XXXX about the false reporting of accounts in my name! I also found the identity theif 's name and info and submitted it to law enforcement. Yet these accounts are still on my credit. The accounts listed here do not belong to me : 1 ) XXXX XXXX XXXX XXXX   {$1000.00} Opened XX/XX/XXXX XXXX ) XXXX Consumer {$11000.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX   XXXX {$240.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This particular debt was included in my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I called continuously to get a payment plan or a lower payment and was denied. Car was eventually repossessed and I fell behind only because I went on XXXX XXXX and it wasnt paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
I have had a very difficult time with Homepoint Financial. I have tried to submit for a loan modification several times. I was told I was approved but the paper work was confusing and I never received any statement for the payment amount or date to pay. I never made any payments on a Homepoint financial modification application. I am now being told by Homepoint I can not receive a modification because of this miscommunication. 

I was never able to communicate to the same person which caused confusion. I simply want to save my home and be reviewed for a modification. We are over our hardship and can afford the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: GA

Complaint narrative:
Transunion will not remove items even after submitting police report as well as Identity theft 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 2019-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have tried to contact debt collector to receive proper debt validation several times to no avail. i have also sent several letters by certified mail to receive proper and accurate validation from original creditor. never received proper validation by timeframe allowed legally

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: CA

Complaint narrative:
It happens today XXXX with Trans union credit Kindly request to removal hard inquiries that I did not authorize and the customer representative was rude and not proactive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. NEGATIVE UNITS TO COME OFF : XXXX ( EACH BUREAU ) : TOTAL UNITS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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:
The accounts listed below MUST BE REMOVED IMMEDATELY! I filed a complaint with each credit bureau, local law enforcement and the FTC about the false reporting of accounts in my name! I also found the identity theif 's name and info and submitted it to law enforcement. Yet these accounts are still on my credit. The accounts listed here do not belong to me : 1 ) XXXX XXXX XXXX XXXX   {$1000.00} Opened XX/XX/XXXX 2 ) XXXX XXXX   {$11000.00} Opened XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} Opened XX/XX/XXXX 4 ) XXXX   XXXX  XXXX {$240.00} 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 2019-08-06 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:
The accounts listed below MUST BE REMOVED IMMEDATELY! I filed a complaint with each credit bureau, local law enforcement and the XXXX about the false reporting of accounts in my name! I also found the identity theif 's name and info and submitted it to law enforcement. Yet these accounts are still on my credit. The accounts listed here do not belong to me : 1 ) XXXX XXXX XXXX XXXX   {$1000.00} Opened XX/XX/XXXX XXXX ) XXXX XXXXr {$11000.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX  {$240.00} 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 non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I have tried to contact debt collector to receive proper debt validation several times to no avail. i have also sent several letters by certified mail to receive proper and accurate validation from original creditor. never received proper validation by timeframe allowed legally

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have tried to contact debt collector to receive proper debt validation several times to no avail. i have also sent several letters by certified mail to receive proper and accurate validation from original creditor. never received proper validation by timeframe allowed legally

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I was alerted by XXXX, XXXX  and XXXX  that the collection agency by the name of National Credit systems added a file to my XXXX XXXX in the amount of {$1100.00}. Since then I have disputed this account with XXXX, XXXX, XXXX, and National Credit system. I have requested Debt Validation on XX/XX/2019, XX/XX/2019, and most recently on XX/XX/2019. On XX/XX/2019 I requested a copy of a signed leased to prove debt validation through the XXXX XXXX XXXX, but received a statement of deposit with a hand written note saying I was evicted. National Credit Systems continues to report false information on my credit report and has caused my XXXX XXXX to diminish.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: IL

Complaint narrative:
I have tried to contact debt collector to receive proper debt validation several times to no avail. i have also sent several letters by certified mail to receive proper and accurate validation from original creditor. never received proper validation by timeframe allowed legally

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: TX

Complaint narrative:
I called Equifax and XXXX and was told to send in all my documents to sow that i fraud committed against me.So i sent everything in and i still see the accounts on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 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: FL

Complaint narrative:
I was informed that my personal information was exposed in a data breach a few years ago when I pulled my credit report then I did not see anything reporting that I did not recognize. Recently when I pulled my credit report I noticed I have a dozen accounts on my credit report that doesn't belong to me. So how can the credit bureau say that these accounts belong to me when I'm stating that they do not?? This was not my fault I did nothing wrong but exist and I want these accounts removed off my credit report ASAP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: NC

Complaint narrative:
I received a notification on my XXXX credit report on XX/XX/XXXX that a medical debt in the amount of {$890.00} was added to my collections account from medical services rendered in XXXX. I disputed the account immediately with XXXX as I was not aware of incurring a medical debt in that amount nor had I received any medical bills corresponding to that amount. I also submitted a letter dated XX/XX/XXXX and sent it to the collection agency on XX/XX/XXXX requesting validation of this debt. All the collection agency sent me was a letter stating they were attempting to collect a debt for that amount. That was the first letter I received regarding services that they claimed were rendered to me on XX/XX/XXXX! And the name the person is addressed to was not my name as it was not the correct spelling of my name leading me to believe someone may have received services fraudulently trying to use my name. To this date, I still have not received anything validating that this debt belongs to me and that I am liable for paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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:
I called XXXX  and Transunion and was told to send in all my documents to sow that i fraud committed against me.So i sent everything in and i still see the accounts on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: FL

Complaint narrative:
I was informed that my personal information was exposed in a data breach a few years ago when I pulled my credit report then I did not see anything reporting that I did not recognize. Recently when I pulled my credit report I noticed I have a dozen accounts on my credit report that doesn't belong to me. So how can the credit bureau say that these accounts belong to me when I'm stating that they do not?? This was not my fault I did nothing wrong but exist and I want these accounts removed off my credit report ASAP!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: VANGUARD FUNDING LLC
State: CA

Complaint narrative:
On XX/XX/2019, I received a letter from Vanguard , Inc. stating that they were going to transfer my Investor Shares in the XXXX XXXX XXXX XXXX to XXXX XXXX in the XXXX XXXX XXXX XXXX. I called them on XX/XX/XXXX and told that I did not want my shares transferred. They did so anyway. I wrote a letter of complaint, but they would not return my shares to XXXX XXXX which I purchased earlier this year. This is fraud. I complained to the XXXX, FTC, and econsumer.gov. Vanguard responded to the complaints with letters. They are attached. They state that they transferred my shares without my permission because the expense ratio was less. I do not care about the expense ratio. I purchased {$3500.00} in investor shares earlier this year and I want them returned to the investor shares.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-06 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 keep send my letters in about my account that dose not belong to me at all i have sent two letters in all ready about this Situation on XXXX of 2019 and XXXX, XXXX 2019 these are the account dose not Belong to me at all. XXXX 'S Never had this card or 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 2019-08-06 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: NY

Complaint narrative:
On XX/XX/2019, 2 separate pending withdrawals for {$2000.00} appeared in my Chase checking account that were not authorized. These were " XXXX  with XXXX '' withdrawals. I have never used XXXX or XXXX. I do not recognize the names of the individuals whom withdrew the amounts. Chase will not stop the transactions. 

I want my money back from Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I signed a waiver to opt out of the bank paying for purchases whn the funds are not available. Wells Fargo allowed an XXXX charge for {$10.00} be paid with only a {$1.00} in my account. I have another checking account now Wells Fargo is charging me {$35.00} for a {$10.00} charge that should have been decline

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Called Capital One Bank around the first of XXXX, XXXX to learn what happened to my money in my savings account with ING DIRECT which a summary of my account with ING dated XXXX showed a balance of {$50.00}. The person answering the phone at Capital One discovered that ING DIRECT which had been bought out by Capital One, had deducted {$25.00} as a dormant charge on or around XX/XX/XXXX and subsequently in XX/XX/XXXX sent the balance of my account to the State of Oregons unclaimed property department. I did not know of any dormant charge policy by ING DIRECT and had they sent me a notice to my address which they had on file, of money from my account going to unclaimed property in OR, I would have taken care of the situation. Now I have to go through the hassle of filing forms and getting OR to send me the money they owe me. 
I was told by Capital One customer service folks that if I open an account with them, they would refund me the {$25.00} dormant charge. On XXXX, I spent 1/2 hour on the phone with 4 different persons putting me on hold and transferring me to different departments to try and get me some help. The last person I spoke with said there was nothing he could do to help me recover my {$25.00} and would not transfer me to someone who had the authority to do so. Even after I read him an email from an employee there ( XXXX ) who said if I open an account with Capital One, they would refund me the {$25.00}. The 1st 3 persons I was hooked up with did not seem to understand about ING DIRECT being bought out by Capital One and did not understand what a savings account was.

Company response to consumer: Closed with monetary relief