vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
In XX/XX/2018 I received a call from IC SYTEMS INC when I was told by one of there agents that I owed a collections account in the sum of {$690.00}. The agent went into the details of the account to state that this account belonged to me. I stated that I do not remember anything about this account & it is not mine. I have since received a VERIFICATION from IC SYSTEMS INC that they used to say this account is mine. The only problem is that the SIGNATURE on the VERIFICATION info used IS NOT MINE!!! This IS NOT MY ACCOUNT & the SIGNATURE on there verification IS NOT MINE. This has to be some type of fraud or identity theft. Please at once remove this collections account completely from my credit report. I will be submitting proof of my signature along with the verification used by ics systems. You can clearly see that the signature ics submitted is not mine

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 2018-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I made payment arrangement with Phoenix recovery group for a balance I had with a previous apartment complex. the person handling my case was a woman called XXXX XXXX. When I made the first payment XXXX refused to give me a receipt for my transaction. After I told her I was going to cancel the transaction if she did not give me a receipt she decided to send me one.  Today I called to make my second and final payment on my transaction. XXXX send me a receipt but on the receipt it never said paid off or anything. I told XXXX I did not feel comfortable with this receipt. She rudely said they needed to wait 48 hours before they could give me a letter saying its paid off. Neve explained why. All she said was that's our policy. She said " you've had this debt for 2 years and now you want to rush things '' She was very unprofessional I asked her to not get all hyped and she kept talking over me. She said if I didn't sing the receipt she sent me she was not going to send me a letter saying its paid off. She then said she was busy and needed to get another call. I told her she was being really rude. She then said with a rude voice she was going to transfer me to the supervisor. This women was very rude you can help me with this. XXXX XXXX direct line XXXX email XXXX. Her information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Medical Management, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXXand XX/XX/XXXX, I was hospitalized at XXXX XXXX XXXX  Hospital ( Original Creditor ), which is a charitable hospital subject to Section 1.501 ( r ) -6 ) of U.S. Code : Title 26 - INTERNAL REVENUE CODE, which proceeded with an  ECA - extraordinary collection activity by sending my hospital bill of {$1300.00} to a collection agency despite knowing I was eligible for their hospital FAP due to my income and knowledge that I was a recipient of Extra Help with my Medicare plan due to my XXXX and low income. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The hospital knew I was no longer living in XXXX   because I told them I was moving to XXXX AND my former roommate returned all mail to them. I was hospitalized from XX/XX/XXXX to XX/XX/XXXX in XXXX, and unable to receive any mail and did not have an address yet. Within one month of my release, the hospital, despite never actually contacting me, sent my bill to  XXXX XXXX who put me into collection AND raised the hospital bill to {$150000.00}. 

THE COLLECTION AGENCY ADDED {$140000.00} IN UNIDENTIFIED FEES AND CHARGES. 

THEY ALSO WOULD NOT VERY OR SEND ME ANY DOCUMENTATION OF THIS DEBT STATING I HAD TO GET IT FROM THE HOSPITAL. 
I have no documents or correspondence from them, as they refused, and the only proof I have is a 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
Consumer complaint received 2018-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted my bank, XXXX, starting in XX/XX/2018, on several occasions to resolve the problem of my home mortgage credit history not being reflected on my Transunion and XXXX credit reports. It's only shown on my XXXX report. The bank did confirm that they do, in fact, report monthly to not only those 3 bureaus, but to XXXX as well. XXXX asked me to complete an " Authorization to update credit reporting. '' After calling Transunion on at least 3 occasions, the issue is still unresolved. I've also called XXXX on a couple occasions and have been on hold for literally over an hour on one occasion, and again for apx 40 minutes on another without ever speaking to a rep.

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 2018-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Counsel, Inc.
State: TX

Complaint narrative:
I had a XXXX in XX/XX/XXXX ; on the same day, someone had a XXXX at the same facility. I paid in full, in cash, on the day of XXXX. Over a year later, the facility merged the liposuction patient 's account into mine and began billing me nearly $ XXXX for a XXXX I didn't have. I contacted them and sent a copy of my receipt, my admission form, and even an affidavit from my surgeon that the XXXX I had was a XXXX. They simply took the receipt for my payment and deducted it from the amount owed for the other patient 's liposuction and billed me again. I responded every time, sending the documents over and over. In XX/XX/XXXX, the facility sent the account to Credit Counsel , Inc . Same routine -- I sent the same documents in response to every contact, including the statements from the facility showing that they were billing me for a XXXXy when I had a XXXX. This week I tried to buy a house, and my credit report had dropped from XXXX to XXXX because the debt collection agency had filed a negative report despite having received proof that the debt was for a different XXXX than the one I had. I called the collection agency this morning, and they said I owed {$200.00} for overtime for a XXXX, but I had sent them the statement from the facility showing they were billing me the balance for a lipectomy. In sum, and despite proof that this is not my medical bill, I have been denied a mortgage because I would not subsidize a stranger 's XXXX removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date Opened>>> XX/XX/2017

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 2018-05-25 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I bought a merchandise in XXXX XXXX they offered a credit card and I accepted after that the balance was payoff. never use the card again, months later they cancelled the card saying my credit report was too low XXXX and that I have many delinquency balances. all that information is not accurate. I recently bought a house, and it upset me that this bank try to discredit my credit record.

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 2018-05-25 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: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by American Express bank of several accounts established with his information without his consent. A police report detailing this event was filed concerning this and was sent to American Express XX/XX/2018 however as of this date American Express has failed to send a reply concerning the outcome of the dispute results. The fraudulent accounts established are ( last four acct numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). American Express has an obligation under FCRA to provide my client with status of this investigation within 45 business days, maximum.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I purchased {$300.00} in Bitcoins on CoinBase. I was initially told the funds cleared from my Bank account on XX/XX/XXXX. I purchased another {$300.00} on XX/XX/XXXX recognizing it would take about 5 days to clear. 
Coinbase now says that I won't have access to those funds until XX/XX/XXXX! 
My Bank account has been charged {$600.00} and while I don't have access to those funds on Coinbase due to a drop in Bitcoin values I'm loosing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: PR

Complaint narrative:
I sent a certificate letter to EXPERIAN on XX/XX/XXXX ( XXXX ) asking to validate US BK XXXX AND XXXX listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : if the Credit Bureau can not VALIDATE the information with the ORIGINAL creditor, they must remove said information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the US Court system due to the Fair Credit Reporting Agency PRIVACY LAW. In XX/XX/XXXX EXPERIAN answered my letter with report number ( XXXX ) indicating that those public record items WERE VERIFIED AS ACCURATE. They use a third party vendor XXXX XXXX to validate the information, In XX/XX/XXXX and XX/XX/XXXX I received from XXXX 2 letters ( attached copy ) saying that were unable to verify the accuracy of bankruptcy case number XXXX and XXXX subsequently they had to remove from their records. It is clear that EXPERIAN used false information to verify the accuracy of the US BK XXXX AND BK XXXX LISTED ON MY CREDIT REPORT, for this reason through this complaint I ask you immediately to DELETED BOTH ACCOUNTS FROM MY EXPERIAN 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 2018-05-25 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: Navient Solutions, LLC.
State: DE

Complaint narrative:
I have two personal loans on my credit report from Navient. I have no idea what these are or the amounts. The loans have no account numbers on the report and Navient is no help. the loans are for {$18000.00} and {$27000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: MN

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/XXXX requesting them to verify the accuracy of an account reporting on my credit with XXXX XXXX XXXX XXXX. 

This letter was signed for and received by Equifax on XX/XX/XXXX. 

I received a response to my dispute on XX/XX/XXXX ( letter dated XX/XX/XXXX ) that the results of the investigation are '' this item has been deleted from the credit file '' In noticing that the item was not deleted from the credit file, I contacted Equifax on XX/XX/XXXX and was told that the result letter was sent in error and that the information is reporting accurately. 

I then asked for verification of the item and was told that I would need to re-dispute. 

I have written evidence that Equifax concluded this investigation, and they are now unwilling to update the report in accordance with the documentation they have provided. 

I have attached the initial dispute letter, the certified mail receipt, and the dispute results from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I discovered on XX/XX/XXXX that TransWorldSystems, Inc. had placed two negative reports on my credit report stating that they had charged off debt. I believe that I settled both amounts with them in XXXX, XXXX. The supervisor I spoke with " refused to remove the items from the my credit report '' even though I requested evidence that they had sent correspondence to me and also when I stated that I believed the debt had been settled with their agency. I have a credit card statement which shows payments to TransWorldSystems, Inc. from that time. 

That statement, with the payments circled, is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a account with u.s. bank. I deposited XXXX in money orders. First money was on hold for 5 days. No one told me this at the bank when I deposited it. I was given access to XXXX. I get a temp. Debit card that would not work. So I could not even access the XXXX. I called and they said it was because a new card was sent. That would void temp card. Then I get funds released. I get a new debit card and credit card from U.S.Bank. The new debit card is now frozen. I called and was offered no help. Then I get a text that another card is being sent. Why I don't know. Now my debit card is frozen. My credit card is frozen and my online account will not let me on. I have called and emailed the bank. No one can help me. I was told a person named XXXX is the one that put the hold and he is the only one that can release my account. He will not return my call. He is unable to be located when I do call. I do t know what the problem is. This is my money. I have rent and bills to pay. I can not even buy food now. I am very frustrated. I want answers and I can't get any.

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 2018-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Bach in 2012 was demoted and had a pay loss. Was paying XXXX a month. Asked if I could pay XXXX. a month. Their answer no we can defer your payments. I borrowed XXXX for degree and have made payments until my pay change. I am now XXXX and owe XXXX. All interest because they wouldny accept any payment and eas never offered income based payments. I started to work  temp for 3 months doing taxes grossing 3,500 approximately.  I offered XXXX last year but they said no. I'm tired of this hanging over me and gave been on interviews but  no one wants to hire old prople. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I got a pre-approved offer in the mail from Capitalone, so I applied for the card and got approved. A few weeks after my card arrived, I got a letter from Caopitalone informing me that they are closing my account baecause '' Principal owner ( s ) have past, present or pending legal action ''. Closing my account and checking my credit report have both caused my credit score to drop as a result. This is not the first time this company has done that to me, last year the same scenario happened but that time it was a secured credit card and this time this is an unsecured card. By receiving a pre-approved offer I thought that the company has done their research and found me creditworthy to receive their card, but just to turn around and close my account a few weeks after is rather peculiar. Their actions both times have caused my credit score to drop and now I have two closed accounts on my credit report that further damages my credit score and my ability to better myself financialy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
Early XX/XX/XXXX I visited a XXXX XXXX and was approved for a credit card. I waited for the card to arrive, but it never did. I called to check on it using the account number given to me during my initial purchase, but the system didn't recognize the number, so I called and spoke to a customer rep. They told me my card had been cancelled because " a credit reporting agency '' -did n't tell me which- had reported I had filed a fraud report on it, which I never did. I started having problems with my credit when in XX/XX/XXXX someone took out a card using my identity in XXXX. This other card was with XXXX XXXX XXXX. I also put my XXXX   report on lock down, so the only way I can apply for credit is personally. I explained this to XXXX XXXX ( XXXX credit card bank ), and told them I hadn't filed any fraud report on this particular card. They said there was nothing I could do. Asked if I accepted responsibility for the charges on the account, I answered " of course '' and that I wanted my card. They said they would issue a new card, but ONLY for making payments. I couldn't purchase anything with it. I asked how I could sort it out, because I didn't want anything negative on my credit reports. They answered it wasn't their problem, they wee following the policy after receiving a fraud alert on the card from the credit agency. Now I receive a letter stating that they are denying MY Fraud claim, because I purchased items with the card. I need to make very and absolutely clear, I did not file any fraud claim on this card and anything related with this card be expunged from my credit reports. If any credit agency has a fraud claim against this card from my part, I demand they come forward with it. I also demand Synchrony to show the claim they used to deny a claim I NEVER MADE. I want everything related to this XXXX card erased from all credit reports!!

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 2018-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Clear Debt Solutions, LLC
State: WI

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX LEAVING A MESSAGE ON MY CELL INDICATING THAT THEY ARE INVESTIGATING A MATTER IN THEIR OFFICE. THEY NEED TO CONFIRM MY PHYSICAL ADDRESS AND PLACE OF EMPLOYMENT. IT IS MY RIGHT AND OBLIGATION TO CONTACT THEM IN REFERENCE TO MY LEGAL RIGHTS. REFERENCE CASE NUMBER XXXX. THE CALL IS A PRE-RECORDED MESSAGE FROM XXXX AND SAME MESSAGE FROM XXXX. IT SAYS THAT FAILURE TO RESPOND WILL RESULT IN THEM CONTACTING MY LOCAL LEGAL OFFICE. ON XX/XX/XXXX THEY LEFT A MESSAGE 2 TIMES. THEY DO NOT SAY WHO THEY ARE AND I HAVE NOT CALLED THEM BACK. THEY NEED TO STOP CALLING. THEY ALSO CALL MY MOTHER-IN-LAW AND LEAVE HER MESSAGES FOR ME. I DON'T EVEN LIVE THERE. THEY GOT THAT NUMBER WITH MY NAME ASSOCIATED TO IT OFF THE INTERNET. HOW DO I STOP THESE HARASSING PHONE CALLS?

Company response to consumer: Untimely response
Consumer complaint received 2018-05-25 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: GA

Complaint narrative:
Upon receiving recent notices that I've been the victim of identify fraud, I started retrieving and reviewing my credit reports for errors. As such, I've noticed a few items that are completely incorrect in their status reporting or they are simply not mine. These have been previously requested to be disputed and either no response was provided andor no action was take as I've been told that the information was previously investigated. 

The credit item in question that's presently reporting as Paid Collections under the name XXXX. This item is reporting on all three of my reports. 

Then something called XXXX XXXX XXXX is reporting only on my XXXX 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