vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA

Complaint narrative:
Since XX/XX/XXXX, I had only received 2 letters in the mail at my address of XXXX XXXX XXXX. I had received a letter in the mail at my XXXX XXXX XXXX home a year ago in regards to applying for assistance in making the payment but did not send in the paperwork because I would not have been approved due to annual income. I feel that I was not given a reasonable amount of time or chances for someone to contact me in regards to payments and out of nowhere began receiving letters in XX/XX/XXXX that my account was now in collections. When contacting XXXX XXXX XXXX, they stated I did not return the paperwork for assistance and so they sent it to collections. I feel this is wrong and they should have contacted me even just asking how the paperwork was going or if I had any questions. Then could have told me to start setting up payments to avoid having the account go into collections. There was no heads up given nor any attempt from XXXX XXXX XXXX in getting my account paid for through them instead of dealing with a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: SC

Complaint narrative:
Waypoint Resource Group must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. 
Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, Waypoint Resource Group are agreeing to your Commercial Dishonor, exhausting. My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. Waypoint Resource Group # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I filed a complaint on American Express. Today I received a call from someone in their call center in XXXX who was using discriminatory statements, laughing about me the costumer not being to make the payment she was requesting {$3000.00} so they would stop reporting the wrong information on me, even though, I have a payment agreement with them and have been paying on time ( automatic payments ) the person on the phone was challenging me to pay $ XXXX+ three times what my agreed payment is to see IF from here on they will start reporting correctly, this is out right discrimination, extortion and unlawful that a credit card company reports false information on a customer. They also closed my account several months ago, they reported it to the credit bureaus which hit my credit score substantially, then they filed with the bureaus that my credit card was open and marked my credit with three late payments even on the months that I have paid my agreements. The account shows open in the credit bureaus and on their site is closed. These credit cards are abusers!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
This company keep reporting an account that doesn't belong to me. It does belongs to my daughter. I don't have any financial responsibility on these bill. I asked this company to provide me with any proof that I have signed any paper regarding this bill. They didn't provide me with the documentation requested, but still reporting on my credit causing financial distress. This is a clear violation of FCRA.

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 2018-07-18 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: TX

Complaint narrative:
I filed a complaint on XXXX XXXX. Today I received a call from someone in their call center in XXXX who was using discriminatory statements, laughing about me the costumer not being to make the payment she was requesting {$3000.00} so they would stop reporting the wrong information on me, even though, I have a payment agreement with them and have been paying on time ( automatic payments ) the person on the phone was challenging me to pay XXXX XXXX+ three times what my agreed payment is to see IF from here on they will start reporting correctly, this is out right discrimination, extortion and unlawful that a credit card company reports false information on a customer. They also closed my account several months ago, they reported it to the credit bureaus which hit my credit score substantially, then they filed with the bureaus that my credit card was open and marked my credit with three late payments even on the months that I have paid my agreements. The account shows open in the credit bureaus and on their site is closed. These credit cards are abusers!

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 2018-07-18 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX REPORTING FOR LAST TWO MONTHES REPORTING TO OTHER CREDIT BUREAUS WRONG BALANCE ON ONE OF CAPITAL ONE CARDE BEFORE THE CYCLE ENDS. XXXX DONOT FIX THE PROBLEM MONTH AFTER MONTH.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX  XXXX XXXX 3. XXXX  XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX  7. XXXX XXXX XXXX 8. XXXX XXXX   XXXX 9. XXXX XXXX XXXX 10.XXXX XXXX XXXX 11.XXXX XXXX XXXX 12.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 2018-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was alerted to a fraudulent charge made with my Citibank ATM card on Sunday,XX/XX/2018. The charges had been made on XX/XX/2018. I spoke to someone in the Citibank Fraud Unit. My card was cancelled, and a new one was issued. I received the new card on Tuesday. The representative from Citibank gave me a case number. We discussed all charges made over the weekend and I informed her of the charges I had not made. Today is Wednesday and the bank has still not credited me with the disputed amounts. I have had other payments returned by the bank for insufficient funds, and have been charged, by the bank, with fees for returned checks. I have called at least 6 times and I get the same patronizing response.. that they can not provisionally credit me while the " pending charges '' from the merchant have not been finalized in some way. In the meantime, my money, {$200.00} and {$400.00}, to XXXX XXXX XXXX in Tennessee ( I live in New York ) and XXXX to XXXX has been deducted from my checking account and unavailable to me, until Citibank deems it appropriate to credit me. I believe that this is a policy that puts the ( possibly complicit ) merchant in greater control of my money than myself. While the merchants determine what they will do, my money is gone. How is it that a bank as large as Citibank can ignore the trust that, I, as a client for 24 years, have put in their bank, to protect whatever money I deposit with them. I bear no responsibility in this situation, my card was not lost or stolen, it was " hacked '' somehow. The bank noticed the fraudulent behavior ( much to their credit ) yet still refuse to reimburse me immediately for these charges. I am not a wealthy person and I can not afford to be minus {$800.00} for all this time. This has created a hardship situation for me as I have many bills to pay. I am filing this complaint because I truly believe this is an extremely unfair practice and in violation of my rights as a consumer and long term client of Citibank.

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 2018-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On Tuesday XX/XX/XXXX through a XXXX ad I bought tickets to a XXXX XXXX concert. After speaking to XXXX on the phone he told me to send him the {$300.00} using XXXX. 

I have never used XXXX before but figured since it was through my park PNC I would have protection from a scam. 

I was wrong I wired the money to XXXX XXXX XXXX He accepted my money and my tickets never showed up. 

My number was blocked from calling his and the ad was still on XXXX. My stepmom even contacted him and he did the same speech to her. She three-way me in the call and I asked for my money pack and he hung up and blocked us both. 

I immediately called PNC to stop the transaction but XXXX had already accepted and the transaction was pending. 

I was told to wait until the money posted to file a claim. Tuesday evening I called my police office and filed an incident report. 

I called PNC on Wednesday the XX/XX/XXXX and was told there is nothing they can do since I authorized the transaction. There is no scam protection. And even though I called the day it happened they could not put a hold on the money even going out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focus Holding Company
State: NY

Complaint narrative:
The collection agency ( which operates under two separate names ) XXXX XXXX XXXX, as well as XXXX, reported a collections account on my three major credit reports for a XXXX collections account for {$420.00}. I have proof this account was paid directly to the original creditor, XXXX, prior to this agency attempting to collect the debt from me. Furthermore, I never received any notification of this debt or had the ability to dispute within 30 days because the agency was not contacting me at an accurate address. I provided the proof to both of the debt collectors operating names that the account was paid in full prior to their attempt to collect the debt. 

The have refused to remove the account from any of my three major credit reports, and I have now retained counsel to file charges against them regarding this matter, including punitive damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have not had any response from the company in regards to this debt. I have asked them several times to verify my information and they have failed to do so. I am requesting to have this information removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The collection agency mentioned herein has listed an unknown account on my credit report with the Credit Reporting Agencies ( CRAs ). It is to be noted that I have no knowledge of this debt whatsoever. It is totally and utterly unverified, not validated and is being reported fraudulently. In light of the foregoing, I hereby engage the CFPB and request that it used its administrative powers to force this seemingly unscrupulous company to comply with applicable provisions of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: LEXISNEXIS
State: OK

Complaint narrative:
I filled out an application for a contruction loan and a consolidated credit report was pulled from all 3 credit bureaus. I was asked by the bank about a judgement that showed active on the report. I asked him which bureau it was and he said he did not know. I then proceeded to pull all three of my credit reports and it showed no judgements on them. I called the bank back and asked about the report he pulled that showed the judgement. He said that the company was Lexis/Nexis. I never heard of them before. My complaint is that if my credit worthiness and score is being pulled from the combine of the three recognised bureaus, then why is this company ( Lexis/Nexis ) able to interject their own information gathered onto my report. To make things worse, the information was out of date and I had to file yet another dispute with a company that I bet no one has heard of. Sounds as if they are trying to weasle their way into the system as another credit bureau. Please, help clear this up for me. I think that they should not be aloud to add stuff that is not being reported by the 3 original bureaus!! Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
I recently went on XXXX XXXX XXXX beginning XX/XX/2018. I purchased insurance with my loan that will cover XXXX XXXX XXXX when I first opened the loan. Mariner Finance requested I send medical proof. I sent medical proof. I was advised by Mariner Finance that they wanted the same medical proof two weeks later. I provided that proof. In the meantime I get a letter from the insurance company advising they approved my claim and I spoke to a  representative who advise me they paid out my loan till XX/XX/2018 and due for XX/XX/2018 and that action has been completed. Mariner representative in the XXXX office is claiming I need to keep sending medical proof every few weeks and won't apply a full monthly payment but rather pay partial payment for one month. Insurance advised they no longer need any proof. Mariner keeps advising that insurance company needs proof every two weeks. I don't agree or think its lawful and fair business practices to ask for medical proof every two weeks and not apply the funds the insurance company, I pay, approved to my company upfront till XX/XX/2018.

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 2018-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I reached out to capital one in XXXX informing them that I wouldnt be able to pay my full car note each month ( {$220.00} ) and the agent told me that I didnt qualify for lower payments or for me to skip a month and that my only option is to pay {$100.00} minimum each month and that would stop my car from repossession. Around XXXX I believe I started to receive calls from their collection department and I told the agent was the previous agent told me and she said that was correct and that she would stop the calls. Fast forward to today, XX/XX/XXXX, I receive an email from capital one stating that my car is heading for repossession. So I called the finance department just to be insulted by the agent who stated {$100.00} isnt enough when will you get a job Im appalled by the practices capital one has chosen to take when Ive kept up my end of the bargain by making {$100.00} payments each month just to be told oh those only went towards XXXX and XXXX balances. I asked my options today just to be told there arent any and that I simply need to pay my FULL bill or my car will be repossessed. Lets be clear this car isnt even worth being financed. I am on my THRID engine with this car. Im too busy trying to repair it that I can afford repairs and the car note on top of loosing my job. Im just disgusted how they handled this entire Situation. Ive ALWAYS paid my car note in full and the one time I cant Im harassed with threats of repossession. Oh and since all calls are recorded please feel free to go back and listen to all three calls

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was victim of identity fraud in XX/XX/2016 and have been dealing with companies to remove in accurate information ever since. One company in particular Experian is horrible to deal with. Just to talk to someone you have to buy a credit monitoring service for XXXX ( privacy guard ) a month that will transfer a call through to an Experian rep. This is an awful business practice. I signed up for Experian service but they try and send promotions and they also have a fee for parts of their service which I think would be a huge conflict of interest, since they are promoting credits cards but are not making it easy to clean up errors on ones credit. 

I have attached a letter from XXXX XXXX that is supposed to delete a account off my credit but they have not done it. I am holding Experian and the Bank accountable and I am demanding they remove the information immediately.

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 2018-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: CA

Complaint narrative:
On XX/XX/18 I received a letter from NSA, North Shore Agency. This is a collections agency demanding delinquent payment owed to XXXX XXXX XXXX. The letter was dated XX/XX/18. 
I did not order this magazine and spend over 40 minutes trying to contact them. All of the phone numbers forwarded me to automated answering machines or left me on endless hold, finally inviting me to leave a message, but with no promises that the message would be received. 
I never enrolled in a magazine subscription of any kind. I do not owe this debt and will file a complaint with the US Postal Service as well as this is mail fraud. 
I filed a claim with the Federal Trade Commission and the Consumer Financial Protection Bureau.

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 2018-07-18 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XXXX XXXX XXXX shows the credit limit was {$550.00}, I show that the credit limit was {$400.00}. This is incorrect on the company 's part

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