vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
In early XXXX, my husband and I began to investigate items on our credit reports. After seeing many strange items on our report - we went to the credit bureaus to initiate an investigation. Shortly after submitting a request for verification - We received a response from this RMP company in regards to XXXX derogatory items on my credit report. Unfamiliar with the information that they sent me, and since I now had the contact information for the debt collector themselves.. i sent a letter ( attached ) to the creditor asking for further verification. When i asked for further verification to the collection company as to what this was and to verify that this belonged to me ... their response was that they were not required to verify twice. I am incredibly confused by the information that has been submitted to me and do not see how in any way this verifies that the debt was mine. I have been making payments on things that i have had in collections, attempting to do the right thing, but after further evaluation we have realized that we are paying on things that we thought were taken care of already, are old, or just are n't ours, and we are trying to figure it all out so that we can do the right thing. The paper trail does not make sense, and with the lack of and vague responses from the debt collector i am not confident that what is provided is accurate. RMP 's dismissal of my additional attempts to verify a debt that IS NOT MINE is unlawful. This item needs to be deleted by this debt collector as no further verification has been provided that this debt is in fact mine. RMP is being very suspicious in its collection of my debt in ignoring my request for additional verification and is not following the appropriate laws for assuring this debt is mine. It is unforgivable to not provide further information when requested. From my recollection of going to any doctors appointment, my id is scanned - both my id and my insurance card. RMP should be able to provide this at the bare minimum if this is truly mine. If this is not possible, some other form of validation needs to be provided- something with my signature at the least. This is hurting my score and causing my credit limits to be reduced on other accounts. I am very angry and upset with the amount of time this is taking. I should not have to work so hard to have something verified accurately. I genuinely am not sure this item is mine, and am asking you to verify this. I am frustrated that companies are still able to do so little and provide such little information while creating such a great amount of damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada)
State: IA

Complaint narrative:
I entered into an online payday loan agreement with tribal lender XXXX XXXX XXXX XXXX in XXXX. I was never able to access or sent loan documents after signing. After realizing this lender is not authorized to lend in my state ( IOWA ), because they do not have a physical presence here ( and because of the extreme interest rates ) ; I closed the checking account associated with the loan, sent a notice of account revocation to this lender and informed them that according to the laws of Iowa, I was under no obligation to pay this back, as they knew they were lending to me illegally and were not authorized my state. They attempted to collect for a short time, emailed me to say they would be adding a {$250.00} fee to the next auto debit ( on a {$700.00} loan ). I continued to receive email from a " XXXX '' at a XXXXXXXXXXXX address attempting to collect. I replied back that I would like proof they are authorized to lend in the state of Iowa ( and legally allowed to collect on the debt ) -- to which they provided me none. <P/>I have not heard from this particular lender XXXX XXXX XXXX XXXX since XXXX when they initially were attempting to collect ; though now it appears they 've hired an outside collection agency ( Allied Collection Services - XXXX XXXX, NV ) in attempt to get funds, because they know they legally can not collect on them. I have n't had any communication with this Allied Collection Services ( no debt validations - nothing by mail, no voice messages identifying ) until I noticed a collection flag on my credit report -- and called to dispute it -- - ( they hung up on me once I mentioned the debt was invalid to collect on, that I would not be paying, and would be reporting it ). They refuse to remove the flag on my credit report ( which I 've also disputed with XXXX who has also failed to remove the flag ). <P/>Additionally, I 'm certain they have shared my private information with outside agencies in effort to harass and bully me into payment. My private information is being used to apply for loans online, and I 'm receiving recent email notifications about applying/being approved for loans with other lenders when I have n't applied for any online payday loan since XXXX. <P/>I filed a complaint with my state 's Attorney General 's office, and was advised by their investigators to file a complaint here, as well. <P/>Allied Collection Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX http : //www.acsnv.com/ # XXXX XXXX XXXX ( Tribal Lender ) XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It has been 6 months and XXXX Credit Bureau is still reporting XXXX unknown collection accounts on my credit that were not originated by me. I have tried calling and was transferred to another department in which i was on hold for more than 30 minutes before hanging up and they have ignored my written disputes. My only recourse and this point is to file a complaint with you and your company is hopes i will help me get the situation resolved or it is more ammunition to prove in court that i have tried to get my case resolved. <P/>XXXX Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-07-04 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: TX

Complaint narrative:
It has been 6 months and XXXX Credit Bureau is still reporting XXXX unknown collection accounts on my credit that were not originated by me. I have tried calling and was transferred to another department in which i was on hold for more than 30 minutes before hanging up and they have ignored my written disputes. My only recourse and this point is to file a complaint with you and your company is hopes i will help me get the situation resolved or it is more ammunition to prove in court that i have tried to get my case resolved. <P/>XXXX Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
During my closing on XX/XX/XXXX, Carrington Mortgage increased my closing amount from {$4100.00} to {$7400.00}. I signed a closing disclosure onXX/XX/XXXX outlining the terms of closing with me agreeing upon the smaller amount. While at the title company XXXX XXXX XXXX XXXX at their XXXX XXXX Location ( XXXX XXXX was the settlement agent ), we were waiting on the bank to send over the same final loan disclosure. To everyone 's surprise, the price has risen to a whopping {$7400.00}. This was significantly over the 3.5 % needed for an FHA and was clearly closer to the 10 % needed on a conventional loan. Essentially, I had a weekend to come up with the money or I would lose my ability to get the property and all of my money. My mortgage broker XXXX XXXX said he did n't know what was going on but that have the ability to change the final amount on the loan disclosure. <P/>On Page three of the document title " XXXX XXXX XXXX Property Title '', you will find attached the final closing disclosure that was sent to the title company on XX/XX/XXXX. On the document titled XXXX XXXX XXXX XXXX, which is the loan disclosure I signed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Solutions, Inc.
State: NC

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$3200.00} with XXXX, XXXX and XXXX credit reporting agencies in XX/XX/XXXX. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt with is in violation of FCRA and HIPPA " NO CONTRACT WITH ALLEGED DEBT ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
Sentry Credit states that I owe {$110.00} in which I do not owe. I lost my XXXX credit card and reported it to XXXX.Someone had charged the amount of {$110.00} on my card.XXXX is the credit card company that issued the card.XXXX sold the {$110.00} debt to Sentry Credit. I called Sentry credit and ask them to remove the charges from XX/XX/XXXX. Sentry Credit told me that they would remove the charges and to this date XX/XX/XXXX they still have not removed the charges from my credit report.The {$110.00} in debt collection is hurting my credit score. Please help with this matter.

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 2017-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My employer issued me a check from a frozen bank account that they were not aware of. I promptly called my bank institution and spoke with a customer service representative, an account specialist and security. The account specialist XXXX explained that they received confirmation from my employer 's bank that their account was frozen prior to issuing my check deposit and explained that they would not think it was fraud due to this knowledge. I have received another check from my employer and the bank has made it available to me in one business day. Upon checking my account on XXXX-XXXX-17, I realized that my account was in the negatives and had this note " reg cc XXXX '' next to my deposit. I called Capital One but it is a bank holiday. I am concerned about the practice of this bank institution because according to the regulations of the federal reserve, I am to be notified ( the account holder ) of this hold on my funds and went it would be available. Upon checking further, XXXX is a fraud detection and has signified this check in my account to be held. I am disgusted as the bank and their 3 representatives assured me that they knew what was going on and I would not be penalized for this. It was not my fault that a check given to me was from a frozen bank account and now they want to hold my funds against me for something they thoroughly discussed with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1600.00} on my XXXX credit reporting agencie. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt which is in violation of FCRA and HIPPA " NO CONTRACT WITH ALLEGED DEBT ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04 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: PA

Complaint narrative:
Approximately two months ago I submitted a complaint that Experian of Delaware was continually accepting a credit utilization report from XXXX XXXX. I filed Chapter XXXX Bankruptcy XXXX XXXX 2015. My credit card with XXXX was closed by the BK. Still, Experian continues to report a % 83 utilization of the credit card. That may have been true before my BK, but as I stated previously, the card was closed. Experian investigated the problem, supposedly, and their response was that i was incorrect and the credit card company was correct. How could i have any type of utilization when the card has been closed? After Experian 's response, I tried to contact the company and they have no record of my account. I 'm not proud of my BK, but i am trying to rebuild my credit. However, with Experian still accepting this claim, I have been refused a home loan under the FHA Chapter XXXX policy as well as my credit score falling. From what i have read this is illegal and I can pursue legal proceedings. I feel certain that their investigation was superficial. This has happened with a another credit report agency ( XXXX ) and once i sent proof, instead of correcting the false information, they removed it from my credit report which lowered my credit rating Basically, the consumer is punished if we question these agencies. They all should be investigated as they favor the Banks and not the Consumers- unless, of course, your the President of the United States .

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 2017-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase Bank- Mobile App and Telephone automated services providing incorrect account information on account balances and transactions. <P/>OnXX/XX/XXXX, I made two transaction of {$2000.00} and {$500.00} for a deposit on a new car with my debit card. The transaction posted to account immediately and funds were withdrawal. <P/>XX/XX/XXXX -The two transaction of {$2000.00} and {$500.00} were still posted on my account. <P/>XX/XX/XXXX -The two transaction of {$2000.00} and {$500.00} were still posted on my account. <P/>On morning of XX/XX/XXXX, I check my account and two transaction was no longer posted to my account. There were no pending transaction for {$2000.00} or {$500.00}. My account balance went back up to {$2600.00} +/-. I called the car dealership and they stated they would contact their bank. For safety purposes, I transferred the money XX/XX/XXXX to my other account. <P/>XX/XX/XXXX, I checked my account again and those two transaction were not posted to my account. <P/>XX/XX/XXXX, I checked my account again and those two transaction were not posted to my account. <P/>XX/XX/XXXX, I checked account it is overdrawn! So I went ahead and transferred the money to cover the overdraft. The two transactions that disappeared finally posted 4 business days after the transaction date. <P/>I called the Chase customer service and went through the automated telephone banking. Their automated telephone service stated my account balance was $ 1160.00+/- when on their app stated it had $ -2200.00+/-. I finally got to a customer service representative and I explained to her what had happened. She continue to apologize for the confusion as if I was insane!! <P/>I asked her if those two transactions was posted to my account? Why was I still able to transfer {$2000.00} on XX/XX/XXXX from my check account if the money was not available? Chase online banking will not allow you to transfer funds between two account and overdraw your account. Also how was I able to withdrawal {$60.00} from the ATM on XX/XX/XXXX if my account was negative? Why would chase approve multiple debit transaction when my account is only able to go {$400.00} in the negative before transaction are decline? My account was overdrawn by {$2200.00}! It does n't add up. Their customer service representative would not help me or reverse the overdraft fees! She kept on saying I apologize for the confusion. <P/>Chase Bank is Frauding their customer!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Good afternoon, My name is XXXX XXXX XXXX and I am writing to request your assistance with a fraudulent charge that occurred in a Rooms to Go store in Texas. <P/>To start, I have never visited Texas and I am currently stationed in Georgia. Below is the information regarding the transaction. The Transaction was for {$340.00} and {$40.00} have accumulated in late fees. <P/><P/>Before the transaction, my account had no balance because I had already paid off my balance in XXXX 2017. Although the transaction occurred in XXXX XXXX 2017, a statement was not executed until XXXX. It is unclear how the transaction was authorized because I have the card and I have my state IDs with me. I have not authorized users on this account, and I have not lost my wallet. <P/><P/>I have contacted the store in XXXX to no avail. I explained to the Sales Rep ( over the phone ) XXXX XXXX XXXX that I am set to deploy at the end of this month and needed more information about the purchase. She explained she needed me to fax information or to visit a local store. <P/>Moreover, I have contacted Synchrony bank and reported the fraudulent transaction. Unfortunately, the investigation will take up to 60 days. I am set to deploy at the end of this month and may not have the ability to track this issue. The charges are still showing on my account including the late fees. <P/>Finally, I have contacted Rooms to Go and explained the matter.
<P/><P/>Thank you in advance for your time. <P/>INFORMATION ABOUT THE TRANSACTION : XXXX ROOMS TO GO XXXX XXXXXXXX XXXX TX ( XXXX XXXX, 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 monetary relief
Consumer complaint received 2017-07-04 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: NC

Complaint narrative:
I am a XXXX with the XXXX XXXX and currently have a home loan with XXXX XXXX XXXX  that began in XX/XX/XXXX. <P/>Over the last 7 years, I have had an extremely difficult relationship with my lender and have filed several disputes through XXXX, Tranunion, and XXXX against the late payments displayed on my account with XXXX XXXX. <P/>I will admit that have been late in the past in which I always made arrangements, but I have not had late payments to the extreme that is reflected on my credit report. I could never fully understand how my monthly payments were being applied to my account. I had lengthy phone conversations with the lender 's representatives that were always stated to be recorded. So much so that, I requested copies of all payments made to my account from the beginning of the loan to date. <P/>After reviewing these records from XXXX XXXX, there are discrepancies in what the credit report states vs. what is stated on the statement breakdowns. <P/>I disputed these findings to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, IA, XXXX asking that these findings be investigated. I received no response. As a matter a fact, on my credit bureaus it states that the " Subscriber reports dispute resolved - consumer disagrees ''. <P/>I have been on a payment plan with the lender in the past but that is not reflected at all on my report and the monthly payment amount being reported is at {$2000.00} vs. the correct amount of {$2000.00}. <P/>I would like to have an investigation done on my account. I feel that I am a victim of the XXXX XXXX fake account scandal. <P/>I have been in XXXX XXXX for 15 years and in my a career in XXXX XXXX honesty, morality, professionalism, and integrity are my core beliefs and I expect to be treated the same. <P/>I look forward to hearing from you soon!

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