vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was going through my accounts on XXXX XXXX I noticed there was past information being reported on my accounts on transunion XXXX XXXX XXXX XXXX this was all settled. on XXXX XXXX XXXX  XXXX XXXX XXXX this was all settled as well and I think is the same thing they are referring to. 

The situation Is the government said they would wipe off the debt back in 2017 if anyone has additional questions feel free to call me. I just want this inaccurate information removed from my file.

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 2019-02-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MOHELA
State: MD

Complaint narrative:
XXXX XXXX, XXXX XXXX and XXXX XXXX from MOHELA continue to send " bills '' even after an Identity Theft Report was filed against them. They continue alleging that I owe a debt. They continue with their Illegal Debt Collection Practices Under 15 USC 1692 ( E ) ( 1 ). I am the creditor as per 15 USC 1692 ( A ) ( 4 ).

They have no license to do business in Maryland. They keep harassing me by phone and mail. Who are they to override the above U.S. codes under the Fair Debt Collection Practices Act ( FDCPA )?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IA

Complaint narrative:
In XX/XX/XXXX I pulled copies of all 3 credit reports from the credit bureaus. I noticed I C Systems Collections listed as a collection account. In XX/XX/XXXX I disputed with all 3 bureaus and it came back as verified. On XX/XX/XXXX I sent a certified letter demanding validation of alleged account. ( Certified mail receipt enclosed ) Prior to this I never received a dunning notice. I was never notified within 30 days of placing negative information into my credit file.

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 2019-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I received a notice in the mail that I owed money to an emergency room called XXXX XXXX XXXX XXXX XXXX. I tried calling the company at the address listed and its actually listed XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX. Another emergency room is at this exact location listed and called XXXX XXXX XXXX XXXX in XXXX, TX. The phone number is XXXX and I talked to XXXX who verified no record of me in their system. The phone number listed under XXXX XXXX XXXX XXXX is XXXX. I called this number and it rang for several minutes with no answer and eventually stopped ringing. I just received this notice today, XX/XX/2019 and letter is dated XX/XX/2019. There are no dates of when the amount was charged under my name. The letter claims it was placed by CFSI for collection by XXXX XXXX XXXX. I have not been to the hospital in the last year and I have not been in XXXX for almost 7 years now. The amount they are requesting is {$180.00} and offered to take it off my credit history for {$140.00}. I do not have insurance and only visit low income/free doctors in the XXXX area. I suspect this is fraudulent activity since the addresses and phone numbers do not match up. The company attempting to collect this debt is called Common Wealth Financial Systems, XXXX XXXX  XXXX, XXXX, NC, XXXX phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recover stated I owe them {$910.00} when I asked to see an agreement I had wit them they send me a copy of a letter from XXXX XXXX without a break dow of charges. Also the letter states at the bottom, " this is not an apptempt to collect a debt. When I check my credit reports, Portfolio Recovery says I owe XXXX XXXX XXXX XXXX XXXX. I called the company, they can not find a record with my name on it. I would like this charge removed from my credit report or Portfolio Recovery to provide me with an orginal agreement that I signed with them or a break down of the charges that will equal {$910.00}. I have been making this simple request for over a year now. Please try to get this company to remove this negative information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to collect my credit report from Equifax and XXXX XXXX. 


Both these credit bureaus have sent me XXXX reports. 

I have sent them over all of my information requested and have yet to recieved my reports per request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All the information collected is incorrect and I had no knowledge of any of it

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 2019-02-23 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: TX

Complaint narrative:
All the information collected is incorrect and I had no knowledge of any of it

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 2019-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: IA

Complaint narrative:
In XX/XX/2018 I pulled all 3 credit reports from all 3 credit bureaus. I noticed CAINE & WEINER listed as a collection. In XX/XX/2018 I disputed alleged account with all 3 credit bureaus. It came back as verified in XX/XX/2018. I have not received a dunning notice. I also was not informed within 30 days of placing negative information into my credit file. You have trampled my rights to due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: OR

Complaint narrative:
On XX/XX/2019 i filed a dispute request for funds to be deposited to my account prior to the end of investigation. Then at XXXX XXXX i recieved a text stating there may be problem with my card and to call XXXX XXXX   so i did at which time i was informed their risk department closed my account because i was high risk they would not tell me why i was high risk and but they informed me that i can never have an account with net spend or XXXX XXXX ever again because they classified me high risk i requested to talk to supervisor and requested my disputed funds and half my monthly fee because they closed my account right after getting charges and any other funds returned to me and was told they could not do anything and that i would be contacted by corporater that same day but they would not provide me a number to corporate or risk management i received a letter saying my dispute was found in my favor and deposited into my account i have received no calls from corporate or any of my funds or a satifactory outcome from XXXX XXXX or net spend i also just ordered a card for my girlfriend on myx account and so she is high risk and can not open an account with them even though she has had account far longer than i

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 2019-02-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NM

Complaint narrative:
My interest rates increase and my payment amount decreases. I've added extra principal to pay off loans earlier but AES keep decreasing the total payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC
State: IA

Complaint narrative:
In XX/XX/XXXX I pulled all 3 credit reports. I noticed Dynamic Recovery Solutions on my report as a collection account. I disputed with all 3 credit bureaus in XX/XX/XXXX. In XX/XX/XXXX it came back as verified. I sent a certified letter to Dynamic Recovery Solutions demanding validation on XX/XX/XXXX. No response. Prior to my letter, I did not receive a dunning notice. I was also not notified within 30 days of placing negative information into my credit file. Delete any and all claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
I was contacted numerous times by a company called Phoenix financial. They were attempting to collect a debt that was from I believe XX/XX/2014 ( medical bills ). I am aware these bills fall under my states statute of limitations and was also disputed with the original creditors as having full insurance coverage. In XX/XX/2014 this was removed from my credit report due to a billing error. During these calls at least 100 of them! I was threatened with legal action. Now its on my credit report as three different collections for debts that were previously settled through a billing error from original creditors. They purchased an outdated and incorrect debt and now they are harassing me constantly. I have worked hard to fix my credit and now I have to repeat the same merry go round!? I have told them several times not to contact me but I am just met with malicious responses! The original dates were XX/XX/2014 for an amount of XXXX a second for XXXXand another for XXXX! And the original creditor was XXXX XXXX XXXX XXXX. Originally these were amounts not reflective of my insurance coverage. This was cleared up in XX/XX/2014 and new amounts billed and payed. And even if they were actual debts they have surpassed statue of limitations in the state of Virginia. I explained this to them several times but was ignored and continued to receive very intimidating and threatening phone calls. I even asked arent yall recording these calls? You cant threaten me like this?! Only to be told that was at their discretion!!??? What isnt that illegal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I got a credit card from BBVA Compass and the limit was {$6000.00}. 
I filed a dispute about a transaction I didnt recognize and they put the credit back to my account. My card was stolen so they sent me another card when i checked my account they took the money back that they already credited before, and their respond was the system did it because I changed the card and they will continue with the dispute. 
I called again to check and one of the employees told me that they won't charge me any late fees and they will put the credit back within 48 hours, but that didn't happen and they charged me late fees twice. 
Then they decreased my limit from {$6000.00} to XXXX without informing me before they did it because I wasn't aware in that time about the late fees they charged me. 
Decreasing my limit affected my credit score and it went down 130+ points. And I'm now trying to move to a new apartment and getting a new car and I can't do that because of their fault. And when I called they told me they can't increase my limit and I have to apply again for me to increase it and no guarantee for acceptance, and it's my fault I didn't pay on time even I owe them nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
In XX/XX/XXXX I pulled all 3 credit reports. I noticed XXXX XXXX XXXX on my report as a collection account. I disputed with all 3 credit bureaus in XX/XX/XXXX. In XX/XX/XXXX it came back as verified. I sent a certified letter to XXXX XXXX XXXX demanding validation on XX/XX/XXXX. No response. Prior to my letter, I did not receive a dunning notice. I was also not notified within 30 days of placing negative information into my credit file. Delete any and all claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I currently have a collection account on my credit report. XXXX XXXX XXXX XXXX were given the correct insurance information by hospital, yet they billed incorrectly and then sent to collections. I spoke to them multiple times and they dragged their feet billing correctly. When they finally billed it was denied for timely filing. I spoke to XXXX there many times. Per insurance company agreement they can not bill patient for their error. However they continue to keep on my credit report and will not remove it. Ive attempted to dispute with XXXX  yet it remains. The hospital was able to bill and get payment with no issues with the information given because they billed correctly. XXXX XXXX XXXX XXXX XXXX made the error and now they are damaging my credit report. 

Here is the following information on my credit. 

Account Name XXXX. XXXX, Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} Debt {$1300.00} Contact Information XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX, ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that NFCU absolves me of all charges on the account ending in XXXX recently changed to XXXX by NFCU. Also, request that you take all appropriate steps to remove information about this account from my credit files. XXXX  and XXXX have removed this fraudulent account yet NFCU continues to report false account information to my XXXX file. 
Enclosed is a copy of my Identity Theft Report supporting my position, and you have a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also please reference FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). 
As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and concluding actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Comerica
State: CA

Complaint narrative:
I've.treid what I've believed to be every thing that the company XXXX XXXX asked for to no avail the company gave me the runaround .form one person to another it was always something else .never got the.honest answer form any of the agents at both levels.it started XX/XX/2018 till XXXX. Of XXXX. The amount of money can form military and Social security disability.for the amount of XXXX dollars I was denied recompense because they said they never received the paper work that was asked of me I have record of dates and times I submitted the ivedest of my complant.sencerly XXXX XXXX XXXX. Phone number ( XXXX ) XXXX or ( XXXX ) XXXX thank you for your serves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Received a notice from Portfolio Recovery Associates to pay a bill dated XX/XX/XXXX for a hospital bill from around XXXX. 
Amount is under just under {$1000.00}. 
This bill has been resolved for several years ( possibly prior to XXXX ) and is no longer a balance owed. They have tracked down addresses which have been out of state from where the bill originated and have continued to send notices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A couple of years ago, my business account was closed with no explanation. I had some refunds for around {$500.00} credited to my debit card after the account was closed. I still have not received those funds. A check may have been sent out in the past but I was out of town and not available to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
A couple of years ago I was forced to request a couple of refunds, as I couldn't load the cards onto my prepaid card. I never received the refunds. My money was simply stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO

Complaint narrative:
I previously reported that Acecashexpress denied my payment back on XX/XX/XXXX. On XX/XX/XXXX, I send them an ACH Revoke notice. On XX/XX/XXXX they withdrew {$130.00} from my count. They have a set precedence of denying me of my consumer rights!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
I was approved for Income Driven Repayment plan with a XXXX  a month base on my income and family size but now Im in school. While I was approved for IDR it shows that I was late which I was not because I had a XXXX monthly payment I always reinstate the plan before time so I wouldnt have problems or be late

Company response to consumer: Closed with explanation