vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center
State: FL

Complaint narrative:
Hello! 

XXXX XXXX has been trying to collect a debt from me fraudulently for almost 18 months now. 

XXXX XXXX XXXX  In 2020 I was issued a XXXX machine for medical treatment on an insurance payment plan that required compliance with the treatment in order for insurance to continue to pay. I agreed to this plan. I remained compliant for the ENTIRE payment period and treatment plan however they claim I have not remained compliant because their system has no records for my XXXX  machine ( which I believe wirelessly uploads data cellularly ). As a result they have been trying to charge me {$210.00} since XX/XX/2020. 

The specific amounts owed are : {$100.00} for non-compliance in XXXX of 2020 {$100.00} for non-compliance in XXXX of 2020 I have attached proof of my compliance AND my communications with the previous debt collector. 

I have called XXXX a half dozen times about these invalid charges, and 2 different times faxed them proof of my treatment compliance from my local XXXX store. They continue to claim they've never received proof of compliance and thus continue to attempt to collect. 

Eventually I was sent to collections and I sent them also proof of my compliance ( also attached ). This debt collector stopped contacted me and I assumed it was fixed. Today I received a new debt collection request from a new debt collector, so the issue isn't stopping. The new debt collector is ARStrat ( XXXX ). 

I would like your help stopping their fraudulent claims please! I do not owe them any money and would appreciate your help proving this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXX requesting removal of accounts and/or monetary compensation due to violations of my rights. XXXX currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXX requesting removal of accounts and/or monetary compensation due to violations of my rights. XXXX currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2022-03-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
it's Incorrect Information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now

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 2022-03-16 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ACCT # XXXX, XXXX XXXX # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX BANK ACCT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX BANK ACCT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
Commercial Acceptance Company based in XXXX XXXX, PA used aggressive tactics on the phone with me while I was disputing the medical claim submitted by an Ambulance company. She threatened to report my claim to the credit score company to damage my credit score and rating.

Unacceptable and very rude may to speak to a consumer and threatened them while the case is still being disputed. When I mentioned that even the Commercial Acceptance debt collection indicates that I have until XX/XX/2022 to respond to them, the representative did not care and said that she wants answers now. 

CAC debt collection company should be fined or warned that they should not be doing this to consumers especially relating to medical bills as there are lot of complicated issues with claims, insurance coverage and disputes. 

CFPB please investigate this organization, they should not be threatening anyone like that, especially people who are dealing with medical issues. 

CAC 's address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is a refile... had wrong bank first time Please help me. I have been trying to resolve a fraudulent transaction on my XXXX account by XXXX. 

My payroll check is deposited on the XXXX card. The day of payroll my account had a transaction of {$700.00} fraudulently. 

Date of transaction : XX/XX/XXXX Amount : {$700.00} Description : account ending XXXX Here is my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Card number : XXXX XXXX XXXX XXXX Made several calls to XXXX  to report the issue. They have extremely long hold times in excessive of 1 hour to get a representative and then honestly there is a language barrier. Their representatives seems to have trouble with english. 

I reported the dispute immediately to XXXX. They wrote me a letter denying the claim. They will only correspond on the matter via regular mail. I have written a letter back. 

I don't believe XXXX has the problem properly documented or failed to do a proper investigation. 

The money was fraudulently taken from me. And I have bills to pay like anyone else. The XXXX card is making it impossibly difficult to get my money back on this fraud. They carry a XXXX logo on the card and would expect a higher standard associated with XXXX. These cards are supposed to help protect you from transactions as such. 

I am reporting this matter to government officials in a hope someone can help me get my money back. Please help. 

I d prefer that XXXX card mail me a check for the amount to my address on file as I am no longer using their institution due to this matter. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was in a car accident and the vehicle was totaled. There was a balance on the car loan, however Capital One agreed to a lesser amount. My credit report is stating that I have never made a payment when indeed I have NEVER missed a payment since the accident. I attempted to dispute this but was unsuccessful. Both Capital One and XXXX are saying otherwise. I will submits all bank statements dating back to the accident to prove that the money comes out of my account every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: UMB FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have been a consumer with UMB Simply Rewards since XXXX. Make all my payments on time, pay my balance in full each month. Good credit. 

In XX/XX/XXXX, I needed to switch my payment bank account information, as my old bank was closing. I could not figure out how to do this on the useless web portal and ended up calling customer service multiple times to ( I thought ) sort it. 

In XXXX, my old bank was charged for the new balance. I had to sort this through my old and new bank, and called UMB to get it paid immediately. At this time, they said the new bank was not on my account so I had a CSR help to put this on and I was told my automatic payments were set and ready to go. I was told that my old bank account information had been deleted from their system. 

In XXXX, I get a letter from UMB saying that my payment failed because I tried to pay from a closed bank account ( this would be the one I had been told was deleted! ). After spending much more time talking to multiple CSRs, I was told that it had been resolved, I authorized an immediate payment, all should be set. 

Since I had wasted about 4 hours on the phone already, I decided that, by XXXX, I wanted to spend down my rewards balance and be done with it. Surprise surprise when I tried to sign into rewards, I could not. After bouncing through 3-4 more CSRs, I was told that my account had been closed! Some more CSRs later, I was told it was not closed, but would need to call back before XXXX p.m. to speak with someone useful. 

So I called again, at XXXX p.m. XXXX, today, XX/XX/XXXX, only to be put on hold for XXXX minutes and then told that I needed to speak with the XXXX XXXX department, and they were only available until XXXX p.m. Central time. 

I am concerned that this company is : Inappropriately retaining financial information that I have requested they delete from their servers Holding my rewards balance XXXX, when this was a clear agreement of our previous terms Purposely providing poor and limited customer service in order to hold this reward balance Going to mess up my credit despite my best efforts to pay them what they need Meanwhile, I have made my payments, and I have $ XXXX in rewards awaiting that I suspect will be more hours on the phone to access. I hope everyone reads this and chooses never to do any sort of banking with XXXX in the future because they are the absolute worst bank/credit card financer I have encountered in my 20 years of finance and credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16 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: NV

Complaint narrative:
ATTENTION TO TRANSUNION, XXXX, XXXX I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with the companies reporting inquiries to mu file. I recently discovered through my monitoring service these account being reported I made efforts to remove these accounts from my file as I have submitted to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire these inquiries. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter. 

Inquires reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I called the bank for assistance when my check for {$150000.00}? was not deposited to my checking account. The check should have been deposited on XX/XX/2022. I have called the bank several occasions and waited on hold for an hour or more only to be told they have not received my payroll check from the XXXX XXXX XXXX XXXX. My XXXX  and I verified that my routing number and checking account number provided are correct. I visited the back twice in person. The first time on XXXX XXXX I was told Truist/ SunTrust had not received my payroll check. This past Saturday XXXX I visited the XXXX Truist located at XXXX H XXXX XXXX. The Bank Manager called a Truist department that stated my check received on XXXX XXXX was held because it didn't match an account number. If this is true why did I receive my payroll check on XXXX XXXX for {$1500.00} from the same employer. Today is XXXX XXXX and Truist has yet to deposit the check into my account nor have they forwarded the funds back to the XXXX Department XXXX XXXX. I suspect I am not alone in this debacle. Hence the hour long holds on the customer service line since the merger in XXXX XXXX also provided a trace number and still was being told Truist didn't have my check.

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 2022-03-16 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX between hours of XXXX. I contacted creditors and credit bureaus. Inquiries on my credit report were made without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
XX/XX/XXXX between hours of XXXX. I contacted creditors and credit bureaus. Inquiries on my credit report were made without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: IL

Complaint narrative:
it's Incorrect Information on my 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 non-monetary relief