vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I visited the Florida XXXX on XX/XX/XXXX. After my visit, the hospital sent me an invoice statement showing that I owed a {$0.00} balance. 

Weeks following, a company called HRRG started calling and harassing me nearly every day. I told them that I do not know what debt they speak of that they claim I owed. The hospital says I do not owe them anything. 

They have continued to call me for the past two years, harassing my life every single day, although I have told them to stop calling me. They even made up an account number, making it seem like I have a legitimate debt when I do not. They created this account number out of thin air. 

I researched their company and found out they call and scam people. They are not a legitimate business. They steal people 's medical information. This claim has been made by countless people who have left reviews about their company, the same way I have been treated by them. They call people and claim that these people owe them money when they do not, and try to scare people into paying them money that does not belong to them. 

They changed their name from HRRG ( Healthcare Revenue Recovery Group ) to ARS ( Account Resolution Services ) around XXXX. They are still continuing to call and harass me every single day. 

A woman who called from their company even told me she's not going to stop calling me although I told her to stop calling and that I do not owe them money. 

This is taking a toll on my life, as they are calling my phone every single day from different phone numbers, sometimes even multiple times a day. 

Please look into this company. They are a fraud. They are not legitimate and they are going to continue to call and keep on scamming people if something is not done to stop them. They have already been able to change their name and identity as a business. Something needs to be done to stop these thieves from illegally calling and stealing people 's money! Someone needs to be held accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
i made the payment almost 2 months the company said sent information to equifax, i am trying to call to equifax but impossible login with my account i tried a lot times doesnt have solution, i did aplication to credit card and a loan to car but impossible equifax and the company terrible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: VA

Complaint narrative:
It's a {$170000.00} loan my ex wife has thru our divorce. I signed the house over in the divorce. I've tried putting in a dispute when i saw it on my credit report. I have no ties to that house. I did try contacting the creditor, left a voicemail and still haven't gotten any responses. It's thru XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I just want it off my credit report. Like i said, i signed the house over in XX/XX/2010.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: IL

Complaint narrative:
On XXXX, I complained to XXXX XXXX about an erroneous collection on my credit reports. They apologized, and assured me that the collection would be removed from all three reporting agencies by the end of XXXX. XXXX XXXX then contacted XXXX and instructed them to completely remove any reference to the XXXX collection from all my credit reports. On XXXX a letter was issued to me from XXXX that said they would delete all collection information from all my credit reports. Two agencies ( XXXX  and XXXX  ) were corrected within a few days, but Equifax remained incorrect. I filed a dispute with Equifax on XXXX : the collection was not removed, only updated to paid. I filed another dispute with Equifax on XXXX and even attached a copy of the letter from XXXX  stating that the collection would be removed. Equifaxs dispute response was that the debt was verified and updated. Its STILL on my credit report over a month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZuntaFi Corp
State: FL

Complaint narrative:
On XX/XX/XXXX I received an email from a company I had never contacted or done business before indicating that they purchased a debt and I was to make monthly payments to them. I notified them once on XX/XX/XXXX, and again on XX/XX/XXXX that I wished for them to provide verification of this debt. 

They did not respond to those requests. 

Earlier this month I noticed they had reported an account in my name as delinquent. I contacted them to try and resolve this issue. After much back and forth they sent me verification of the debt on XX/XX/XXXX, and I received it on XX/XX/XXXX. I withheld payment as the debt was never verified, and the now refuse to alter their reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX. I have a Capital One credit card ( XXXX ) XXXX, Capitalone.com with a {$8500.00} credit limit. My credit rating ( depending which credit agency ) ranges from 792-827 I always pay off all my bills for the full amount every month and have an annual salary in excess of {$170000.00} Today I checked my account and discovered my credit limit was reduced to {$2000.00}. I called Capital One at XXXX and was told they reduced it because I wasnt using all of the credit. I then spoke to the account manager and he refused to increase it back. Even though the reduction would adversely affect my credit rating, which in the end affects what we pay for everything ( ie : car loans, etc )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: Nelnet, Inc.
State: VA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT - IT IS A NEW MATTER FOR A DIFFERENT YEAR THAN PREVIOUSLY SUBMITTED. PLEASE READ THE COMPLAINT CAREFULLY. 

I submitted the following complaint " On my XXXX  & XXXX  reports for the Nelnet Direct Subsidized Loan ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX  XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off. '' Nelnet closed out stating they did not have to investigate because it was substantially similar to previous complaints that had already been investigated. 

This complaint is NOT similar to other complaints previously submitted. If you read the complaint, it is referencing a late payment you are reporting in XXXX. The previous complaints are for XXXX and were regarding a different dispute entirely that was in re to a forbearance and whether the backdating of the forbearance should result in the XX/XX/XXXX late payments being removed. This is in re to You were paid off in XXXX and now are reporting a late payment in XXXX. The late payment in XXXX needs to be investigated and removed because it is after the loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2020 I requested an investigation into several accounts there are reporting erroneously on my credit file with Equifax. I asked them to validate the accounts and send me documentation of their findings. On XX/XX/2020 I received a letter from Equifax stating they had completed my disputes and informed me of updates made to my profile, but did not send any documentation proving said accounts had been verified properly. I sent another letter on XX/XX/20 asking for written documentation, such as a signed contract between myself and the creditors they are listing, but no such documentation was received. I went online and requested a new credit report from Equifax today, XX/XX/20, and I noticed there is an account with XXXX XXXX that they stated was previously updated that has updated with INCORRECT and even more damaging information. A closed account is now reporting as over 120 days past due and is not reporting a date of last activity, which is a requirement!!! Equifax has not responded to my requests since XX/XX/20 and I believe this account should be deleted!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The company IC SYSTEM has failed to comply with deletion of this account to credit bureaus. Delete now or lawsuit will be the next step.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TranUnion : Looking to check into my Credit Score, which I was suspicious of because they asked for a credit card. I figured they were using it to verify my identity? Joined and received an email that they bill me {$24.00} + {$1.00} tax or {$26.00} total. Canceled and called to get my money back as I felt they just stole it from me. The rep said it was clearly marked, but I would get a refund within 10 days. Went back in and the part about that I was joining their credit monitoring service was below the fold in light grey print. Well designed to fool you and an absolute disgrace in business practice. I imagine 99 % percent of people fall for this scam and don't bother to go to the hassle of getting their money back. They should be fined out-of-business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX has incorrectly reported our loan as late in XX/XX/ 2019. As soon as I noticed it, I contacted them, as well as Experian to get it corrected. I have since contacted both companies 5 times over the past 8 months, to get this item changed to not showing as late, but it is still incorrect. I am not getting anywhere with either of them. I have sent documentation to both, and it is still showing as late. This is the only derogatory item on our credit report and it is impacting our report and score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: VA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT - IT IS A NEW MATTER FOR A DIFFERENT YEAR THAN PREVIOUSLY SUBMITTED. PLEASE READ THE COMPLAINT CAREFULLY. 

I submitted the following complaint " On my XXXX & Equifax reports for the XXXX XXXX  Subsidized Loan ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX  XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off. '' XXXX closed out stating they did not have to investigate because it was substantially similar to previous complaints that had already been investigated. 

This complaint is NOT similar to other complaints previously submitted. If you read the complaint, it is referencing a late payment you are reporting in XXXX. The previous complaints are for XXXX and were regarding a different dispute entirely that was in re to a forbearance and whether the backdating of the forbearance should result in the XX/XX/XXXX late payments being removed. This is in re to You were paid off in XXXX and now are reporting a late payment in XXXX. The late payment in XXXX needs to be investigated and removed because it is after the loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: VA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT - IT IS A NEW MATTER FOR A DIFFERENT YEAR THAN PREVIOUSLY SUBMITTED. PLEASE READ THE COMPLAINT CAREFULLY. 

I submitted the following complaint " On my Experian & XXXX reports for the XXXX XXXX XXXX   XXXX ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off. '' XXXX closed out stating they did not have to investigate because it was substantially similar to previous complaints that had already been investigated. 

This complaint is NOT similar to other complaints previously submitted. If you read the complaint, it is referencing a late payment you are reporting in XXXX. The previous complaints are for XXXX and were regarding a different dispute entirely that was in re to a forbearance and whether the backdating of the forbearance should result in the XX/XX/XXXX late payments being removed. This is in re to You were paid off in XXXX and now are reporting a late payment in XXXX. The late payment in XXXX needs to be investigated and removed because it is after the loan was paid in full.

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 2020-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is reporting erroneous late 's on my account. I recently checked my credit file and noticed these delinquent notations. My payments were on auto draft and i'm not sure why these are being reported. I never received a letter, notice, or phone call about the late payments. This is a mistake made by the bank, I have never been late on this account. I would like the late 's to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PNC Bank N.A.
State: KY

Complaint narrative:
In XXXX 2020, I have no record of making a payment to PNC credit card services. On XX/XX/XXXX, I called XXXX, and talked to the bank consultant. I asked for the full balance due. I was informed that I owed {$250.00}, which I paid by debit card with the Reference Number XXXX. On XX/XX/XXXX, I was contacted by PNC by phone, and told that this was an attempt to collect a debt and that my credit score might be adversely effected. I declined to make a payment at that time. On XX/XX/XXXX, I spoke with a bank consultant, who informed me that the debt was due to a late payment in XXXX. I stated that, if that was the case, I should have been so informed when I contacted the bank on XX/XX/XXXX. The bank rep told me that she saw my payment of {$250.00} on XXXX XXXX, 2020. 
However, she said that the late fee and interest were still due. I stated that I should have been informed of this on XX/XX/XXXX and that the penalty and interest should be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I Applied for COVID relief on Barkleys XXXX XXXX   website and it did it said I dont need to do nothing else. I guess somehow it didnt take it and now there saying Im 30 plus days late and dropped my score a lot. I called and they fixed it for the month of XXXX. I payed the account off for XXXX. Then XXXX they report again 30 plus days late and my score dropped again so they dont have it right over they because the original late month was may not XXXX and there giving me a hard time to fix it Ive been with them since 2012 with never a late payment with them or any account my entire life. They fixed it originally and messed it up again I dont now whats the confusion with this and why I cant get it fixed for COVID reasons. I never missed a payment in my life and its on them that something went wrong on there side or I wouldve just made the payment originally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21 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: PA

Complaint narrative:
remove inquiries off of 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 2020-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
A/c # XXXX I took loan from alley auto but i was asked to pay 1 ) {$8600.00} instead of XXXX remaining balance to pay off the car loan requested extension but still charged high interest payment from XXXX to XX/XX/2020 {$8600.00} even with the Federal government Moratorium to grant extension on loan so I paid {$1800.00} two days ago 2 ) denied password reset and systematically took advantage of me 3 ) tried to resolve the payment dispute but the staff was not helpful instead harassed and mistreat me me to pay off the loan so please forward this issue to civil suit lawyer or Federal watch agency for corrective measure or lawful action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
in XXXX of XXXX a lease was signed electronically with my name and information fraudulently. Subsequently the parties were evicted and Fair Collections & Outsourcing ( FCO ) contacted me about the debt. After numerous phone calls. I completed a notarized fraud affidavit and sent to them on XX/XX/XXXX. FCO continues to state the information is being verified by their client. After more conversations i finally received a copy of said lease XX/XX/XXXX the electronic signature first has an incorrect middle initial for me and the email address used to electronically sign the lease is for my ex-wife whom i divorced in XXXX. FCO has stated their client ( XXXX XXXX ) states i was in their office physically in XXXX, FL ( XXXX XXXX ) i live in XXXX XXXX, FL over 3 hours away and have never been in their office. I have disputed this information with the credit reporting bureaus and XXXX continues to " verify '' the information back to them. In XXXX the original debtor, XXXX XXXX, was sold, the person who signed the lease is no longer with the company and there is no one at that company that could verify the information even if it were true, which it is not. I see where the CFPB has filed suit ( Case 8:19-cv-02817-GJH ) with the United States District Court for the District of Maryland, Southern District with FCO for essentially the same thing I am claiming. Your help in this matter would be greatly appreciated. Thank you in advance

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