vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I Have disputed a collection account on my equifax credit report twice and they have not removed the account, claiming the debt was verified. However, the collection agency is in complete violation of consent order ( file no. XXXX ) article 8, sections 119-120 which prohibits XXXX XXXX from initiating any lawsuit unless in possession of and can provide a chronological listing of the names of all prior owners of the debt and the date of each transfer of ownership of the debt, beginning with the name of the creditor at the time of charge-off. This account has been deleted by XXXX due to the fact that the court case was dismissed based on the fact that they never provided me with any chance to dispute the supposed debt when they pursued a case against me on XX/XX/2017. In a phone call the collection agency claimed they sent one letter prior to opening a case with me, but they have no proof that I was in receipt of any such letter as it was not sent via certified mail.

They have also failed to prove that a meeting of the minds ever occurred between myself and XXXX XXXX. In contesting the debt, on multiple occasions, I have cited a Lack of Privity and XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for a loan with my bank Fifth Third Bank for {$800.00}. They advised to pay in 45 days. I applied XX/XX/XXXX. I waited 3 weeks to get a check from my job. Today was the first. My check was {$860.00}. They withdrew {$820.00}. I had everything scheduled to pay my bills. My daughter birthday is next week. I had ever intention on paying, due to wanting another loan, want to keep my credit good, and a great history with my bank for 2 years. I spoke with a rep. He advised I would only need to pay on the XXXX if XXXX. Never advised of anything else. When my money was withdrawn today I called and spoke with a supervisor. She said she will coach the rep for not informing me of being able to withdraw at any time. Please help. Loyal customer. Thanks for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
I believe this is a bill I received for our son several years ago, we supplied insurance information at the time of the appointment. Received a bill we shouldn't have. ( They never billed insurance ). I then called to find out why and they told me they would bill insurance and I never hear anything else. It is now to late to bill to insurance as it was years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: C.Tech Collections, Inc.
State: NY

Complaint narrative:
I got alerted this afternoon about change in my credit, through XXXX  XXXX, after checking, I found out that a derogatory message has been sent to my credit, I clicked on it and it was from XXXX XXXX XXXX XXXX, opened on XX/XX/2018, through a Collection company, name : C Tech Collection. 
This derogatory message was suprising because i was not informed, I was a patient of XXXX XXXX, and I gave the details of my health insurance, i wasn't informed that i have to make any extra payment, the payment was sent to my insurance, but according to the lady i spoke with today from the collection office, the insurance paid {$50.00} less than amount expected, Instead of the Doctor office to send me a message about the {$50.00} balance, no communication was sent, either through email, mail or Phone call, the case was given to collection office and the collection office never get accross or communicate the {$50.00} balance with me, am only getting to know for the first time today that my insurance paid short of {$50.00}, If there was no communication of any kind to inform me of the balance, how would i have known that i have a balance to pay, because payment between doctors and insurance are never disclosed with the patient, I totally disagree and dispute the derogatory message sent to my credit, I have never late in any of my payments and my record is there to show, I am ready to pay {$50.00}, even though i am just getting to know about it, but the derogatory message sent to my credit is very unfair and cruel. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwestern Health Management INC
State: MO

Complaint narrative:
I was in a auto accident in 2015 and treated at XXXX Hospital, ( Now XXXX XXXX XXXX ) All of my Hospital bills were paid by insurance except the various Clinics, ie Radiology etc. because XXXX did not forward the insurance info to their clinics, therefore Those were not paid. I think that when the clinics are owned by the Hospital they should Share the insurance info with them ALL, but they Did Not. Therefore over {$860.00} is charged against me, Showing on XXXX XXXX, It should not be the responsibility of the patient to furnish the insurance info, it should be up to the Hospital since They own the Clinics in question, in addition to the Auto insurance, I was covered by XXXX parts XXXX XXXX XXXX as well as Missouri XXXX! This has been haunting me for 4 years and hurting my credit rating, Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Barclaycardus deserves a complaint for their detrimental practices. Detrimental to the credit scores of their customers. 

I as well as others have had a problem having credit giveth and the a'taketh. I was given a limit of {$20000.00}, shortly after I spent approximately {$6700.00} i received a letter stating my limit was being reduced. To just above what I had spent. This looks like I spent almost 100 % shortly after I received the card and increased my percentage the of credit usage, decreasing my credit score. 

Why would a company give credit then once it is partially used ( 33 % ) recind the majority of that limit. 

The best part, after I had paid off half, and some other debt in less than a year, I asked to have my limit reinstated, which would require a hard pull ( as they stated on the phone ). So after the initial decrease in my credit score I would have to have another harm to my score to have it fixed. 

So, don't get a card from barclaycardus.

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 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CBC Credit Services, Inc.
State: MI

Complaint narrative:
CBC credit service is reporting that I still owed the XXXX county XXXX money, which I was in XXXX about year ago they told me that I dont owed them nothing, so CBC credit service is still reporting the owed account saying that I owed them XXXX, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP
State: NV

Complaint narrative:
I tried to withdraw money from my account and was charged a withdrawal charge. I was charged a total of XXXX for 5 attempts. Holy XXXX, I got XXXX. They XXXX XXXX me because I wasn't sure how much I would be XXXX. XXXX XXXX XXXX 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 2019-06-22 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: OH

Complaint narrative:
I am puzzled why these account show up on my credit report out of nowhere.. It must be that someone use my identity..The accounts were fraudulently opened in my name..I did not make the charges..I am requesting that the items be blocked to correct my credit report.. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 06 XXXXXXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : XXXX  XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Serve allows you to pull funds from your debit card that is linked to a separate checking account as long as it has been verified by the company. I processed a {$100.00} transfer from my debit card to my serve account on XX/XX/2019 and in doing this my bank placed a hold on the funds so that the merchant ( Serve ) could have the funds available and collect them. Serve did not collect the {$100.00} that was on hold after 5 days so my bank released the hold. Serve then processed the transaction 13 days after on XX/XX/2019 and withdrew the {$100.00} causing my account to go negative and causing me to incur NSF fees from my bank and 3 credit card companies due to the payments being returned amounting to multiple fees. I spoke to serve and they said that they process all transactions within 10 calendar days and this was processed outside of the 10 calendar days  according to my bank. I have requested that serve cover the NSF fees and they have refused to do so even though them requesting the funds 13 days later cause my account to be charged insurmountable fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: OH

Complaint narrative:
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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   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 2019-06-22 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: OH

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Open Date XX/XX/2017 This Is listed under collections, I called the company obtained an agreement from company to pay the debt with the understanding that it wouldbe removed. I paid the agreed amount, they took my money and it remains reported to the three credit bureaus as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
On XX/XX/2019 my XXXX XXXX  account was closed because I ordered a personal care object on a bad online site that I wasnt aware of, so they closed my account even after hearing me out and knowing the situation. I also just received my XXXX XXXX report and it shows that ( reported information ) you guys received from XXXX XXXX XXXX is showing to other banks. When this happened with my account I tried to dispute this with the bank, they said because if this they would give me my account back but never did. Because of these reports I cant bank anymore, anywhere..

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 2019-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We purchased XXXX XXXX XXXX using our chase united credit card from XXXX to XXXX XXXX for XX/XX/2019. When we booked the flight, we purchased the XXXX of us seat together sine we do have a XXXX old. 

Upon checking in, we realized our seats were different in fact, our seats are away and our XXXX old daughter will be in a 15hrs flight all by herself with strangers next to her We talked to united check-in agent, was told nothing he can do directed us to speak to gate agent. Got to gate, spoke to two agents there, was told they do not discriminate age. 

Fast forward, we filed a quality dispute for poor services which is part of the dispute choice and process if you are dissatisfied with the services on a purchase that is not agreed upon when purchased After I sent in all document, I got a letter saying, they said they reviewed the information available and found that I either received the services or the merchant made them available to us to use so they consider the charge valid. 

I spoke to two chase agents, they all told me nothing they can do. It doesnt matter if the purchase was not agreed upon, since united airlines made the services available for me to use I can no longer dispute the charge. I asked for a manager to call but they failed to send me a manager when I phoned to them in XX/XX/2019. 

I followed up with two online message to chase, they never responded to my email. I called today, XX/XX/XXXX, finally spoke to a supervisor, however, now she tell me, rather I took the flight or not, the services was available to you even if you refused to use chase can not make united to refund. 

I questioned, why chase.com has an option for quality dispute for poor services if you are not willing to help? She stated just because the info is available online it doesnt mean they can help me. 

I mentioned to chase about the fair credit billing act, the fact the law gives consumer right to dispute a charges in case dissatisfied with an transaction. Her response was, yes chase let you disputed but it doesnt mean you will get your money! 

I guess my question is, do I have a right here to dispute for poor services? I am dissatisfied with a purchase that is not agreed upon, my kid was assigned new seats at check-in for a XXXX flight ... is this acceptable? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
On XX/XX/2019 i applied for a loan with XXXX XXXX  for a used vehicle they approved me for XXXX at 24 % interest i live in pa XXXX county went to XXXX XXXX with my paperwork from XXXX XXXX   they really tried to help me but said that in the state of pa a car loan cant be any hirer then 21 % they contacted XXXX XXXX and told them that and XXXX XXXX said they are allowed i also contacted XXXX XXXX told then that tried to get them to comply with state law they said they were allowed because it was a direct loan but XXXX got legal advice and was told was not legal this needs to be investigated how many people out there in pa are paying 24 % if it is illegal people are being prayed upon by this company please let me know if its legal or not I canceled my loan i really needed help with a vehicle loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
The company has knowingly place false information on my credit report. That was due to a returned phone to XXXX. I spoke with a representative from Receivables Performance who told me the account was recalled by XXXX and he did not know why I had been contacted. they were told not to. 

All my claims are documented on an Audio Recording where I made the person, I talked with I was also recording the phone calls. I can and will produce the transcribed phone call with the original recording when necessary for legal action. 

Receivables Performance 's malicious actions have caused problems with my credit, I have been denied credit when I applied, the false information on my Credit Reported was stated as the cause. 

SEE ATTACHED TRANSCRIBED FILE - The Original Audio can be provided upon request

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 2019-06-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances ... XXXX and XXXX XXXX have remove this debt why is Experian not complying!!! Delete the late payments on XXXX XXXX XXXX, 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 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MN

Complaint narrative:
This debt keeps being reported even though I did not open this account in XXXX as it says in the credit report. I closed my account with XXXX in XXXX and paid the bill off in full with a check from XXXX XXXX XXXX. 

First off, this debt should be removed immediately because it is not my debt as I did not open this account. 

Second, it should be closed because even though I have known this is not my account I was so scared of getting bad credit that I actually paid the balance in full to XXXX XXXX before XXXX because I was getting harrassed by them. 

There is no way this should be on my account still and there is either fraud or innaccuracy here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Please remove these accounts as they do not belong to me. Review the attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The following student loans were reported on my credit report.. .I disputed the accounts with Equifax, XXXX , XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. US DEPT ED XXXX, XXXX XXXX, US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: NC

Complaint narrative:
Please remove these accounts as they do not belong to me. XXXX the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I received a copy of my credit report and found the following to be errors. Here as follows are items in error : Medicredit {$230.00}

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