vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: IA

Complaint narrative:
On XX/XX/2018 I sent a debt validation request to AR resources. I sent the letter certified mail which was signed by a representative at AR on XX/XX/2018. As the FCRA states, in order to validate a debt the creditor must provide proof that the debt is actually mine. From my understanding of the law this proof must be a legal binding contract bearing my signature stating I agreed to pay the amount in question which is currently as of XX/XX/2018 XXXX . I do not recall ever agreeing to this debt. As of the date of this complaint and after talking to AR on the phone several times this has still not been resolved. AR stated to me they mailed a copy of an itemized statement on XX/XX/2018 but as of the date of this complaint I have not even received that. However, even if AR Resources was able to get an itemized statement with pertinent medical information contained they would be in violation of Hippa laws because I dont recall ever giving them or signing a release of information for a collection company to have access to my medical records, let alone on a debt I dont recall by physicians in Texas, Ive never lived in Texas. On top of everything else its been well over 30 days and I have not received anything validating this debt, however its still reflected on all 3 credit bureaus which at this poimy is illegal the debt has not been validated or verified. Staff at AR are very rude and disrespectful when I try to call. They hang up, say they cant help, use profane language, and have really gave me a hard time trying to resolve this. One agent there even told me I should pay my bills and I wouldnt have these problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: AL

Complaint narrative:
On XX/XX/2018, I sent out a validation letter to XXXX XXXX XXXX, and I received a letter back with a summary of a bill, I sent a second letter asking for a signed contract. 
On XX/XX/XXXX, I received a letter asking me to pay, also on XX/XX/XXXX, I received another summary of what they claim I owe with XXXX XXXX XXXX, but still no signed document therefore not verifying nor validating this belongs to me. I have asked multiple time to delete if they can not prove the necessary evidence.

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 2018-11-19 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:
ive tried to access my yearly credit report with equifax and it will never allow me to do it ... i have to submit via reular mail ... .i just disputed a credit card error and i couldnt access it by regular channels, i had to use their special web email ... ..i have the response back in an email but when i try to access it im declined access ... ..today i tried calling was on the phone for 30 minutes with 2 different agents with no luck..i was transferred to the supervisor who promptly hung up and didnt call bacl..i need help with this .... ( i explained i was in the car and they were asking about every one of my 18 credit cards ... .... )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Under the guise of employment at the company as a project manager, XXXX XXXX XXXX, supplied a Contract of Employment and had my wife take a series of 10 case studies on leasing and international trade. On successful completion of the training she would receive {$2000.00} and an offer of employment. My wife was a good student and got all " A '' s. Pleased with her performance they asked her to help set up the office in XXXX, NJ. They sent a Purchase Order for 12 XXXX. They said we would not be at risk as our Citibank credit card would be reimbursed from an account at XXXX -Account number XXXX routing number XXXX. Indeed, on line we saw that funds had been received by Citibank from XXXX. On that basis we express mailed the phones on XX/XX/XXXX via USPS to : - XXXX XXXX, Room XXXX, XXXX Floor, Poly Center, On Lok Tsuen, XXXX, XXXX XXXX. The USPS tracking number for the first item of 6 boxes each with 2 XXXX was XXXX. Per the tracking number the phones were delivered on Tues XX/XX/XXXX. Subsequently on XX/XX/XXXX Citibank emailed that There was a problem with your online payment ( actually a reimbursement ) of {$6000.00}. We called Citibank and on a recorded line we asked several times and they confirmed that a second online payment for {$5600.00} had been received. The reference for the recorded call with Citibank is XXXX. That put our mind at rest. One week later, on XX/XX/XXXX, we received an email from Citibank that " A payment was returned unpaid ''. We have been unable to contact the company representatives by phone and email. They have disappeared. Had Citibank not confirmed receipt of the payments we would have had time to notify the shipper of our suspicious of a fraud. 
We have notified the local Police Dept in XXXX, NJ. The Case Number is XXXX and their phone number is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

We spoke to Citibank again today, XX/XX/XXXX, to both customer service and the fraud dept. We were told that as the charges were valid we were liable. I informed the representatives that had Citibank not provided false information specifically on the status of the reimbursement we would not be in this position. They told us they would try to investigate. 

Notes. 
1. This fraud was very well organized and it seems unlikely they would go to this much trouble and not do this on a large scale.

2. It seems that the criminals know the credit card payment systems better than Citibank 's employees.

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 2018-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On Saturday XX/XX/17 I received a certified email from XXXX XXXX XXXX XXXX with NOTICE OF APPLICATION FOR WAGE EXECUTION, against me from an account this Deb collection is assignee in the name of XXXX XXXX XXXX XXXX. 

I have called XXXX XXXX to the comer XXXX and spoke with an employee name XXXX, and I have explained to him that I do not owe anything to XXXX and that account does not even show on my credit report.I have also told him that if I would owed something to XXXX, they would have approved me a XXXX XXXX XXXX XXXX opened on XX/XX/2017 that still is active with a current balance. 

I did also asked him what should I do in order to report this or probe that this account is not mine and he suggested me that if this does not belong to me I should present a complain to FTC because it could be a fraudulent account opened for somebody else. 

There are not accounts reported on my credit report from XXXX XXXX, and also from the XXXX report from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: AL

Complaint narrative:
On XX/XX/2018, I sent out a validation letter to XXXX XXXX XXXX, and I received a letter back with a summary of a bill, I sent a second letter asking for a signed contract. 
On XX/XX/XXXX, I received a letter asking me to pay, also on XX/XX/XXXX, I received another summary of what they claim I owe with XXXX XXXX XXXX, but still no signed document therefore not verifying nor validating this belongs to me. I have asked multiple time to delete if they can not prove the necessary evidence.

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 2018-11-19 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: AL

Complaint narrative:
On XX/XX/2018, I sent out a validation letter to XXXX XXXX XXXX, and I received a letter back with a summary of a bill, I sent a second letter asking for a signed contract. 
On XX/XX/XXXX, I received a letter asking me to pay, also on XX/XX/XXXX, I received another summary of what they claim I owe with XXXX XXXX XXXX, but still no signed document therefore not verifying nor validating this belongs to me. I have asked multiple time to delete if they can not prove the necessary evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
I am a survivor of XXXX and XXXX  XXXX and I my XXXX coherst me into several private student loans to where he bought a XXXX, and another car for my son, and used for fixing up our house. The only way I could get peace was is I agreed to sign this loan. We divorced 4 years ago and I still am trying to rebuild and find relief from this marriage. The only way he agreed to get the divorce was he put XXXX and XXXX all over me and his choice was either jail or give me money so I could hire an attorney. 4 years later I am still seeking relief. 

I can not pay this loan because it is from XXXX  XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
On XX/XX/XXXX, I sent out a Validation letter to XXXX XXXX, to validate the debt was mine and to receive a signed contract, On XX/XX/XXXX, I receive a letter of summary of what they say I owe but no signed document, that same day I sent out the second letter asking for a signed document and letting them know that this doesn't not validate or verify. On XX/XX/XXXX, I received the same thing again but this time including XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I have made all payments within the alloted time period. The company made an error processing a payment and has reported me late on my credit. When i have reached out to fix this issue, CS has been very rude and unhelpful

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One took {$3600.00} out of my bank account as a payment for one of my credit cards. I did not authorize this transaction. The payment was supposed to only be {$110.00}. I have tried 3 different times to be refunded. They admitted it was their error, contacted my bank to make sure it cleared my account, but now keeps telling me the refund department is behind in their processing. It only took 2 days for them to take the money and it's been 10 days and still no refund. Need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc
State: NV

Complaint narrative:
Sometime in XXXX, I had sent a debt validation request via certified mail regarding other accounts, and received a response with medical information not at all connected to my identity. This letter included multiple HIPAA violations. In response, I sent another certified letter informing them that not only was it not my debt, but the information provided by them was inadequate to meet the conditions for validation ( please see attachment XXXX ) This eventually lead to the removal of this specific account from my credit report. 

Since, I have had several more appear on my credit report with I have been unable to get a certified letter to Plus4 about, making an attempt to reach resolution as I am not sure these accounts even belong to me. Each of my letters were mailed to the address listed on my credit report, and returned as " Undeliverable : refused ''. At this point I made an attempt to contact Plusfour via telephone, and was told that they do not accept certified mail at their address. I believe this is a violation as they do no allow me to request a validation. 

On XX/XX/XXXX, I sent certified letter to debt collector requesting debt validation This was marked refused. 

Since attempt to contact plus4 via the appropriate legal channels, multiple accounts have appeared on my report, and I am unable to validate any of them due to their refusal of my attempts.

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 2018-11-19 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: IN

Complaint narrative:
Transunion lowed my credit score on XX/XX/2018 by 69 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

XXXX lowed my credit score on XX/XX/2018 by 59 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

I understand how credit scores work and my score should have increased instead of decreasing.

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 2018-11-19 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: IN

Complaint narrative:
XXXX lowed my credit score on XX/XX/2018 by 69 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

Equifax lowed my credit score on XX/XX/2018 by 59 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

I understand how credit scores work and my score should have increased instead of decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
In XXXX. I became a victim of identity theft. I am now XXXX years old, XXXX XXXX college and to my knowledge, never have I ever had in apartment in my name. This has caused me a grave inconvenience because its hindering me from getting out on my own. This company is saying I owe them over {$6000.00} which I find ludicrous. I contacted them after I got denied from applying for an apartment. Again. I have never lived on my own. I reached out XX/XX/XXXX to let them know that I have been a victim of fraud. They were very rude and didnt want to hear it. This whole ordeal has caused me XXXX, Ive been crying tears sea deep because I cant get approved anywhere and its not even my fault. Me being a XXXX XXXX I should be celebrating but my joy has been stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MN

Complaint narrative:
American Education Services is refusing to honor my IBR certification information on file with Studentloans.gov website. Although it is effective through XX/XX/2019, see attached documentation, American Education Services is demanding I recertify with them. 

American Education Services has now capitalized the outstanding interest on my loans, directly violating my IBR agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: GA

Complaint narrative:
On XX/XX/2018 and XX/XX/2018, I sent letters to TransUnion disputing incorrect public record, Bankruptcy Chapter XXXX-dismissed Texas. XXXX and XXXX were also contacted, they investigated and determined that the information was incorrect and the accounts were deleted from XXXX and XXXX. I requested for TransUnion to send me the name of the person that verified the information at the Bankruptcy court, the date it was verified and the name of the third-party person that was used to provide them with a verification. I called TransUnion on three occasions to follow up on the disputes and was told by specialist the information was verified. I was told by XXXX, Supervisor, that he could not provide me with that information. I called the court and wrote the court and I received a letter that they do not provide a debtor 's full social security number. So how did the third-party the credit bureau verify this as my account without having the full social used from the court?

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 2018-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had the chase card for approx. a year and a half. Since having the card I had never missed a payment. I had some charges on my account and I was trying to get this resolved from Chase. They automatically cancelled my card and never reissued me a new one because they said I never tried to get it resolved. Every time I has an issue with the Chase card I had to call them and They would never call me ... They told me that they send to a letter in the mail in regards to the disputes. I never got it and I called them asking to please resend the letter ... They never did. They have ruined my Credit score. My score were in the 700 's and now its 500. I filed a police report in regards to  these charges. THEY DO NOW CARE AND they continue to report lates fee 's to all three credits departments. 

PLEASE HELP ME GET THIS RESOLVED ALSO XXXX XXXX is reporting a loss a debt card.. How is this possible.. I tried to get this resolved however the banker misspelled my name on the account and Debt Card. So when I went to address this issue they would not talk to me because my license didn't match the name on the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: OH

Complaint narrative:
I received a hard inquiry on my credit report around the dates on XX/XX/2018-XX/XX/2018. I did not to my knowledge apply for anything that would warrant this enquiry. I would like more information on who performed enquiry and have it removed from my report. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I have already submitted a complaint with XXXX XXXX XXXX. After submitting the complaint in XX/XX/XXXX they put a code XXXX to stop reporting to the Credit Bureau even after there investigation on my payments they found in there own favor for the year of XXXX and XXXX that I knew nothing about. and within two months of my spouse deceased they threaten me with foreclosures. I truly am thankful for XXXX XXXX XXXX for coming in at a time of hardship. I have been in my home since XXXX that was the first time I have been late and not knowing because of the way the state of XXXX   XXXX XXXX were sending in my payments towards XXXX XXXX XXXX   XXXX. XXXX XXXX XXXX were paying at that time, of hardship. Since I had made the complaint against XXXX XXXX XXXX. I am submitting another complaint the reason XXXX XXXX XXXX XXXX XXXX XXXX put a hole on payments to the Credit Reporting agency. This is not acceptable. When you are making payments on time. They also are rejecting to remove the code. without even a reason why it was placed? Whatever the reason I'm requesting it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
i have contacted this company several times regarding this debt. It does not belong to me. I have owned an XXXX car.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation