vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Medical bill from about 6 years ago. 

Went to emergency room in XXXX XXXX XXXX XXXX, XXXX XXXX, Florida. Several days later, phoned the financial/billing office. Told them that at present I was out of a job and gave them pertinent information. Was later told that they had written off the amount as an indigent patient. 

Over past five years, I have been employed and have been trying to qualify for a home mortgage. Found out that there was this outstanding bill for {$860.00} for medical on my XXXX credit report. Phoned them to find out what it was. I was told that it was the " doctor 's fee '' for my visit to ER. I never received a bill for this. I have moved several times and there is likelihood that this bill never caught up to me. I assume this collection is probably on each of the credit bureau records. 
I told XXXX I would like to pay and clear this collection. I paid {$520.00}, Confirmation # XXXX on XX/XX/2021 and she told me it would come off my report within 5-7 days. This has not been done. XXXX XXXX is who I paid. I was told that this would increase my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX XX/XX/2021 {$730.00} Account was marked as derogatory

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27 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: RI

Complaint narrative:
I have more than 60 days waiting for a response from the credit bureaus, because I have negative accounts that should not be on my credit report and inquiries that I did not authorize. I waited too long for the credit bureaus ' response.

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 2021-02-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A prior report has been filed in relation to the problem at hand. Someone somewhere is using my credit information and applying for credit card, loans, lines of credit and mortgages which is hurting my score and putting over sixty credit inquiries i do not recognize on my report. I would like these inquiries that were not initiated by me to be removed from my credit history as they are fraudulent.

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 2021-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I owe this company no debt. Failure to verify. Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/21 date VIA USPS certified mail. You can track this package using THIS tracking number. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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:
A prior report has been filed in relation to the problem at hand. Someone somewhere is using my credit information and applying for credit card, loans, lines of credit and mortgages which is hurting my score and putting over sixty credit inquiries i do not recognize on my report. I would like these inquiries that were not initiated by me to be removed from my credit history as they are fraudulent.

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 2021-02-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
A prior report has been filed in relation to the problem at hand. Someone somewhere is using my credit information and applying for credit card, loans, lines of credit and mortgages which is hurting my score and putting over sixty credit inquiries i do not recognize on my report. I would like these inquiries that were not initiated by me to be removed from my credit history as they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Please see the complaint in it's entirety that is the first attachment to this complaint. 
This Complainant filed a complaint with this agency. The Bank responded by making false and misleading statements which contradicted the written contract between us. It was clear, from their response, their investigations were based on assumptions rather than investigation. This agency relies on truthful statements from both the Bank and the Complainant. The original complaint was closed as a result of false and misleading statements submitted by Chase Bank. The Complainant has attached the written contract so that the discrepancies between the contract and the Bank 's responses based on that contract are clear. Complainant is having to file another complaint due to the escalation of issues since the last complaint was closed. Please see the details as outlined in the attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I received a letter dated XX/XX/21 from Citi indicating that my account was inactive and {$0.00} balance so they had to close my account. 
I did however have a Dividend Dollar balance of {$83.00}. 
On XX/XX/21 I called Citi to see if I could at least get that money back. I was passed to a manager named XXXX who told me that my account was closed and that there was nothing he could do. 
I attempted to use their automated phone system to get a check of my Dividend dollar which their system indicated was a balance of {$76.00}. The phone system indicated that it would take 7 to 10 business days for me to receive my check, but nothing was received. When I used the phone system again on XX/XX/21 - the balance was the same - so I requested a check again - but i'm sure the results will be the same.

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 2021-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
Payment was made on the account on XX/XX/21 for the full amount owed {$100.00}. The debt was to be removed from my credit report, but even after payment the status of the account is open and the full balance is still showing as owed.

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 2021-02-27 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: FL

Complaint narrative:
Commonwealth failed to verify debt. 
Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/21 date VIA USPS certified mail. You can track this package using THIS tracking number. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Payment was made on two accounts on XX/XX/21. 
The company agreed to settle the accounts and to remove both from my credit report. 
Both accounts are still open on my report, and the balances were only reduced by the settlement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
After Many Disputes before TransUnion refuses to remove wrong address and/or update to the correct address because the address they have on file is missing the location quadrant which is XXXX XXXXXXXX or XXXX. Attach to this claim I am providing a Gas Bill with my adress on it to prove my claim.

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 2021-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I had a loan with Hyundai Finance for a used car and paid off the loan. I had setup an autopayment from my bank account and made an extra payment. I contacted Hyundai and they said they would issue a refund and keep telling me the refund is pending. 

My overpayment happened on XX/XX/2020. I have spoken to Hyundai customer service once a month since XX/XX/2020 and have spoken to supervisors. They can only send an email to the finance department. Each time I'm told the payment should be received in XXXX days. 

I have also sent a letter directly to the Hyundai Finance department with a compliant. I have not received any correspondence as a result of the letter. The overpayment was {$200.00}. Hyundai for some reason will not process a refund check to me.

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 2021-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I have tried to resolve this problem with Santander/Chrysler Capital-as this account was to be deleted from my credit report due to the nature and the tactics of how they unlawfully repossessed the vehicle and due to the nature of the lawsuit that the company has been pursued against the company. I have contacted the company and the attorney general and the company even produced the paper work with the incorrect information to the attorney general. Inaccuracies are continuously being reported to the credit bureaus and the company keeps verifying and updating incorrect information. In the State of NC you are supposed to receive a notice of right to cure Santander/Chrysler Capital intentionally put the incorrect address on the letter, on the explanation of calculation of surplus or deficiency they only sent it to the co-borrower and not to the buyer/borrower. They are they are listing several different account numbers for my account, on my credit reports the account numbers are ending with XXXX on the statement sent to the attorney generals office the account number is ending with XXXX, I am confused with this account. 

Page 4-Explanation of Calculation of Surplus or Deficiency- was only mailed to Mr. XXXX XXXX which is the Co-Borrower ( XXXX XXXX did not receive a copy of this form ) Page 7- Notice of Right to Cure-Mandatory Form- Santander/Chrysler Capital-intentionally listed XXXX XXXX 's address as the same as XXXX XXXX 's address when this has never been XXXX XXXX 's known address. or has never been an address they had for XXXX XXXX on file, as you can see on page XXXX, they listed XXXX XXXX 's address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, her known address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Services, Inc.
State: OR

Complaint narrative:
Debt collector served small claims court papers. I called to ask for proof the debt was mine and they couldn't provide it. I was told the case was being dismissed, and received paperwork today that shows 2 days after I got the email saying it was being dismissed, they went to court anyway- knowing I was under the impression it was dismissed. My husband was included and even if it was mine- we were not married at the time, which I told XXXX XXXX the phone, and he responded by assuring me that my husband would be removed. 

Commercial adjustment company XXXX XXXX XXXX XXXX, oregon XXXX Date was told it was XXXX XX/XX/2021 XXXX they went to court- XX/XX/2021

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27 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: DE

Complaint narrative:
The following accounts are fraudulent and should not be on my credit profile I WANT ALL OF THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED IMMEDIATELY XXXX : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Collection openedXXXX XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX : XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Transunion : XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX 2020

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 2021-02-27 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: DE

Complaint narrative:
The following accounts are fraudulent and should not be on my credit profile I WANT ALL OF THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED IMMEDIATELY XXXX  : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Collection openedXXXX XXXXXXXX, XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Equifax : XXXX Account number XXXX Collection opened XX/XX/XXXXXXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXXXXXX XXXX : XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: Continental Finance Company, LLC
State: UT

Complaint narrative:
My credit card was charged over the limit with fraudulent charges I did not authorize nor did I personally make. I have made numerous calls to the card fraud department and have been unable to get a resolution. I disputed all charges on XX/XX/2021 in the amount XXXX. The card has been disabled by Continental Finance who is the card issuer.

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 2021-02-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
CFPB complaint is being filed towards XXXX. The reason for the complaint is due to malpractice from XXXX. 
On XX/XX/2021, I reported several credit accounts that were being reported on my credit report as fraudulent accounts. I marked these accounts as fraudulent accounts because I never applied nor used these accounts for self-gain. 
Unfortunately, XXXX is continuing to post accounts from Bank of America. 

Because XXXX was continuing to post fraudulent accounts from Bank of America, I submitted a police report and FTC 's identity theft report directly to Bank of America with a CFPB complaint. 

The fraudulent accounts from Bank of America are still being reported on my XXXX credit report without providing their method of verification process of fraudulent accounts. 

I strongly believe that XXXX is in violation of FCRA because the creditors and XXXX never provided any shreds of evidence that these accounts were made and used by me. They are assuming that I am making a false statement, which is very offensive to me. Both parties are defaming my character and continuing to post accounts that are not mine. 

I would like to submit another dispute letter to XXXX via CFPB because I need to keep the record that I actually made an attempt to resolve the identity theft issue directly with the creditor and 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 2021-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: OK

Complaint narrative:
XXXX is charging an additional {$130.00} after attendant per conversation credited amount for multiple months that were not billed with the promo. I have communicated this multiple times and now XXXX has sent this file to collections wrongfully which has decreased my overall credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: FL

Complaint narrative:
XX/XX/2021, ( XXXX ) .. This company places a collection on my credit report without sending me any information about this debt, I never received a call or a letter. I've been living in the same place for over 5 years. This debt doesn't belong to me and I would like for this debt to be removed. I've never heard of this company called ( AVANTE USA ). I reported this situation to the XXXX XXXX XXXX and I'm in the process of disputing it with XXXX. I believe these collection company 's are preying on people during this covid-19 pandemic. I would like for this collection to be remove and for them to send me proof that this debt belongs to me so I can disputed it Asap! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020 my credit score dropped 35 points. NO explanation. I have years of " on time payments '', no late payments reported. No one can explain the damaging 35 point drop is/was related to. I want the answer, but all 3 credit bureaus are of no assistance and not willing to provide clarity as to the 35 point drop. I have worked very hard to maintain good credit and timely payments to those companies. Is there any guidance that you may provide? I am not dealing with XXXX XXXX, I don't need them. Please advise.

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 2021-02-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: KEYCORP
State: MA

Complaint narrative:
Received fraudulent card from KeyBank/Illinois Department of Employment Security

Company response to consumer: Closed with explanation