vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I checked myself into a XXXX  facility, XXXX XXXX XXXX XXXX, on XX/XX/17. Upon entry, I was told that my insurance would cover my stay but that I would have to pay a copay of $XXXX which I agreed to and paid upfront. I completed XXXX  and left the facility three weeks later. I was never told that I would have to pay for anything else, nor did I ever agree to pay for anything else. I never received anything until the account was sent to the Rash Curtis & Associates collection agency. They then sent me a letter saying that I needed to pay $XXXX in full or that it would be put on my credit report. I tried to contact them and obtain an itemized copy of what the bill was for. They informed me over the phone about a few dates coinciding with the charges and they were for days that I was no longer even in the facility. They also told me that they would send me a copy of the documents they had and that never happened. I reported them to the CFPB before for this same account. The result of that complaint was a removal of the account from my XXXX  and XXXX  reports but it still remains on my XXXX   report. I disputed it again through the online center and they did not remove it as they should have. Instead, they updated it & increased the amount by $XXXX. It currently says that the account is closed but that I owe them $XXXX  and shows my payment status as derogatory. I would like for this account to be deleted from the XXXX  report as well since the charges were never agreed to in the first place and the results of my last complaint prove that to be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK

Complaint narrative:
I am being charged late fees that I should not have accrued because I called in to cancel the card before those late fees were assessed. I am now attempting to resolve the issue with the company, and they are telling me that this will not come off of my credit report no matter what type of arrangement we set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: DE

Complaint narrative:
To Whom It May Concern,My initial dispute letter was sent on XX/XX/XXXX, to XXXX XXXX they did not respond within 30 days. The second letter was sent XX/XX/XXXX, to XXXX XXXX no response. The third letter was sent XX/XX/XXXX to first credit services and on XX/XX/XXXX a letter was sent to XXXX XXXX credit reporting agency, again no response from first credit services, and XXXX XXXX verified it as accurate. On XX/XX/XXXX I sent the fourth letter to first credit services and they did not show proof that they had a right to collect anything from me. XXXX XXXX or the collection agency first credit service had proof that this account was mine. Please investigate and delete this from my credit file Immediately!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: MI

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The bank sent me a new credit card after the old one had expired. The new credit card had been issued with a new number and new expiration date. I did not activate the new card and I was under the assumption that by NOT activating the new card it would not be charged with any recurring charges. I never authorized recurring charges on the new card. Somehow the un-activated new card was being used for recurring charges on this account. I previously received monthly paper statements in the mail however when the new card was issued the mailing address was printed incorrectly so I never received the new statements. I never became aware that this account was ( 1 ) being charged, and ( 2 ) that there were late payments being reported until I obtained a copy of my credit report. After this discovery, I immediately called the bank and paid the account off. There is no outstanding balance due on this account and this account needs to report a {$0.00} balance. Because the late payments that are being reported is through no fault of my own, I request these be removed immediately. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: MI

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The bank sent me a new credit card after the old one had expired. The new credit card had been issued with a new number and new expiration date. I did not activate the new card and I was under the assumption that by NOT activating the new card it would not be charged with any recurring charges. I never authorized recurring charges on the new card. Somehow the un-activated new card was being used for recurring charges on this account. I previously received monthly paper statements in the mail however when the new card was issued the mailing address was printed incorrectly so I never received the new statements. I never became aware that this account was ( 1 ) being charged, and ( 2 ) that there were late payments being reported until I obtained a copy of my credit report. After this discovery, I immediately called the bank and paid the account off. There is no outstanding balance due on this account and this account needs to report a {$0.00} balance. Because the late payments that are being reported is through no fault of my own, I request these be removed immediately. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

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 2019-12-11 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: MI

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The bank sent me a new credit card after the old one had expired. The new credit card had been issued with a new number and new expiration date. I did not activate the new card and I was under the assumption that by NOT activating the new card it would not be charged with any recurring charges. I never authorized recurring charges on the new card. Somehow the un-activated new card was being used for recurring charges on this account. I previously received monthly paper statements in the mail however when the new card was issued the mailing address was printed incorrectly so I never received the new statements. I never became aware that this account was ( 1 ) being charged, and ( 2 ) that there were late payments being reported until I obtained a copy of my credit report. After this discovery, I immediately called the bank and paid the account off. There is no outstanding balance due on this account and this account needs to report a {$0.00} balance. Because the late payments that are being reported is through no fault of my own, I request these be removed immediately. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

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 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/1926 and XXXX have tried to get Chapter XXXX Bankruptcy removed due to TransUnion pursuant FCRA 611 as requested METHOD OF VERFICATION AND NAMES AND DOCUMENTATION OF WHOM THEY SPOKE WITH and documentation along with their method they say they verified with Courts ; however courts do not verify information with third party entities. I requested from Recorder of Deeds asking them how this bankruptcy was verified and they stated with a letter that they do not verify bankruptcies with third party entities ; however public records could verify bankruptcy information. However their are inaccuracies with the third party vendor and Bankruptcy court stated due to PRIVACY LAWS they can not update information ; therefore credit bureaus would need to verify with PURSUANT TO FCRA 623 ORIGNAL FURNISHER ( THE COURTS ) WHICH CAN NOT BE DONE THEREFORE THIS CHAPTER XXXX BANKRUPTCY NEED TO BE REMOVED IMMEDIATELY! ARE FURTHER LEGAL ACTION WILL NEED TO BE TAKEN DUE TO VIOLATING MY CONSUMER RIGHTS. I have faith that TransUnion will honor THE FCRA guidelines as well.

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 2019-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
I have been repeatedly harassed by the Gurstel Law Firm, in XXXX XXXX MN to collect a debt that is not mine.  After telling them numerous times, they continue to harass me, and have subsequently filed a lawsuit. While I know that they can do that, they are using incorrect and down right false information to back their claims.They state that they are working for a debt collection company, XXXX XXXX XXXX XXXX for a debt on a XXXX  Credit Card that I did not apply for.  Not only is it not mine, they are suing me in a County that I do not live in, and their documents are false.  There is an affidavit of Service, that is a complete lie. I was not personally served, and couldn't have been as I was at a Doctor Appointment on the date and time that they state I was served, and my personal description is off by over 5 inches and about 30 pounds.They are stating the my work address is my home address and suing me in the wrong county, for a debt that isn't even mine.  Their numbers on the statements that they provided don't even match the amount that they claim I owe.This is an utter sham, and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: MO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: GA

Complaint narrative:
I have been asking Experian to provide Proof of Validation for 3 accounts in collections on my credit report. I sent my initial validation request to them to in XX/XX/2019 certified mail and received a response back from them dated XX/XX/2019 that the 3 item on my collection report were validated (XXXX XXXX, XXXX XXXX XXXX XXXX XXXX). I then sent a 2nd request Proof of Validation Letter onXX/XX/2019 to Experian and received a response dated XX/XX/2019 the same exact letter from the XXXX response. I then on XX/XX/2019 sent Experian another certified letter of Proof of Validation and Pending Complaint Filing letter in which I received a response dated XX/XX/2019 again the same Oscar  letter they sent the two previous times. I then on XX/XX/2019, sent another certified letter to Experian requesting a Credit Bureau Verification Procedure Request and received a response dated XX/XX/2019 that they were valid.  I noticed that XXXX XXXX is not on the current report, but it does not show where it was deleted either.

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 2019-12-11 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: MO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly an account where I am shown as an Authorized User on the XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2019-12-11 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: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
A fraudulent account was opened online, in my name, with Barclays Bank Delaware on XX/XX/XXXX.I have opened disputes with credit bureaus, reported to Barclays Bank Delaware fraud department for investigation on XX/XX/XXXX when I became aware of the fraudulent account. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft.I received a collection letter for a separate, fraudulent account. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with Barclays Bank Delaware in the amount of $XXXX. I have never received a card for the account with this company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the account. I did NOT apply for the account!!!Barclays Bank Delaware also never contacted me to verify my identity before the account was fraudulently opened in my name!Barclays Bank Delaware has been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get this removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it from 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 explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
My insurance has paid this collection, and it was never ever supposed to be on my credit. I was in a car   accident and all of this was taken care of by my insurance, this debt is reporting a balance, and they have been trying to call me and threaten me into paying, when the account was satisfied in full by my insurance! Everyone has been paid, are they trying to get paid twice for the same debt? is that legal? I believe you are supposed to determine that, please help me, I am trying to become a first time homeowner and this is the only thing that is stopping me from achieving my dreams! Please let justice reign supreme and HELP ME! This must be unjust enrichment and a breach of contract as well no? How many other people has this company enriched themselves off of, what if I had payed them without checking with my insurance first, would I have ever gotten my money back or would they have kept it as their own money, which it would not have been! if this company was nearly this successful with me, how many other consumers have they done this to?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I work at the XXXX XXXX XXXX XXXX (XXXX), and have worked there for 3 years. My employer is the XXXX XXXX XXXX. I bank with JP Morgan Chase. XX/XX/XXXX- filled out direct deposit form at work, hand written.  HR refused to accept a voided check.  Did not receive XX/XX/XXXX direct depositXX/XX/XXXX – called payroll specialist•	Learned from payroll that the routing number on file was not mine-incorrectly written•	Requested that direct deposit be canceled•	Requested that XXXX  HR inform State Controller’s Office of this issue and request that they retract deposited funds•	Called my bank, JP Morgan Chase, and filed a claim informing them of the above-specifically stating that the deposit made in the account was due to an incorrectly written routing number and was not authorized by me. XX/XX/XXXX – I called Chase Bank, Bank had located the check in another customer’s accounts. Learned that Chase Bank made no effort to ensure that the account number used and the account holder's name matched before processing the direct deposit. Was informed that Chase cannot move it from the customer’s account. Chase required a Letter of Indemnity from my employer.•	Called XXXX  payroll immediately, provided information,•	Payroll stated that they would call the State controller’s office and get back to me.XX/XX/XXXX – Was informed via email correspondence (attached here titled “XX/XX/2019 warrant”):  “Since your bank was unable to move the funds from the incorrect account into yours. The State Controllers office has sent over a Letter of Indemnity to your bank.”XX/XX/XXXX - Letter of Indemnity was actually sent to Chase Bank by State Controller's OfficeXX/XX/XXXX – informed by payroll via email (attached here titled “XX/XX/2019 warrant”): “I regret to inform you that US bank was unable to retrieve the funds back from your bank. I have attached the denial letter from US Bank. The State Controller’s Office informed me that since this was an employee error and not an agency error, you would now need to try to contact Victims Compensation Board to see how they me able to assist you. I have attached the link below. Please let me know if you have questions.” The denial letter (attached here titled "XXXX") stated, from Chase bank, “we will not be able to process your recall request because the account doesn’t have sufficient balance.” This indicates that the account holder who got my check withdrew the money. The Account holder is guilty of theft as per California Penal Code section 485. I called the Victims Compensation Board and they stated that they cannot do anything and suggested I call my bank.•	Called Chase Bank that day and they insisted they had no obligation to prevent their account holder from using the funds, despite the fact that I informed them on XX/XX/XXXX that the deposit was made erroneously. Chase Bank was unwilling to help me track down the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Security Finance called mother who is listed a reference. They asked her if I was with her and my mom said no. My mom asked why, the representative told her I was past due 2 payments on my loan and have not made a payment and I need to make a payment on my account. The representative had no business telling my mom that I was past due or need to make a payment she violated FDCPA by releasing information about my loan without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One is reporting an erroneous late in XX/XX/2019. They closed the account because I was inaccurately reporting as deceased for some time when it was my husband who passed away. I attempted to call them to pay and was declined and told I couldn't pay it, the account then went past due and was closed immediately after. I spoke to them about it and they gave me a new card and account number but this one is still reporting on my credit. The late was erroneous and not my fault and I need it removed.

Company response to consumer: Closed with explanation