vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
In XX/XX/2007, I moved to XXXX XXXX XXXX XXXX, a brand new apartment complex in XXXX XXXX, FL. I signed a lease for a year. My rent for my 1 bedroom was well over {$1000.00}. I think it was $ 120- {$1300.00} a month. Im a complete germophobe, which is why Im willing to pay over {$1000.00} a month for a 1 bedroomfor a new apartment. When I moved in, there were dirt marks and other unknown stains in the tub, on the toilet, and in the refrigerator. I complained about it to the leasing office, and the told me I could move apartments but Id have to pay a moving fee. I didnt think this was fair, so I moved out of the apartments within the same month, but I was hit with a {$4000.00} fee. 

Currently, National Credit Systems, a collection agency, in XXXX, GA has my account. Ive tried contacting them, but they refuse to answer simple questions. I called last week to resolve the debt and a XXXX XXXX answered the phone. She wouldnt let me get out a single word. She wanted to do all the talking. When I was able to utter a word, she hung up on me. 

What Id like to see happen is this debt fall off of my credit report or go to another agency because the current agency is unethical and volatile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I was going over my credit file when I saw accounts and utilities that I have never opened. I found collections accounts from companies that I have never done business with. I have moved back from XXXX XXXX XXXX a few times in the past 4 years. I am here in XXXX now. I do not know who has used my identity. I do not recognize the following accounts : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. who ever it is I believe they are still using my name and my name is even misspelled XXXX XXXX XXXX my correct spelling is XXXX XXXX. I have filed a report to the FTC as well as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: NV

Complaint narrative:
I have paid off several accounts and the credit reporting agencies XXXX and Equifax will not update or remove the derogatory information. The accounts XXXX and XXXX XXXX are both paid in full. Both agencies have been notified of the pay off and continue to report as negative. I've asked for several investigations and offered to provide proof of paying it off and they still report derogatory information saying they have verified it. But I have proof of payoff. Both accounts show pay off to XXXX XXXX and XXXX that's my bank account XXXX XXXX statement so you can see both accounts are paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
on XX/XX/XXXX there was an unauthorized charge of {$320.00} to XXXX XXXX on XX/XX/XXXX I notice the fraudulent charge and filled a complaint with the credit card on XX/XX/XXXX credit card said : can find no basis to support the claim and charge the unauthorized charge to me I asked for the facts or basis but, they no answered After called them several times They still refuse resolve this claim

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 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: AES/PHEAA
State: NJ

Complaint narrative:
XXXX XXXX has updated my credit report to 150 days late from 120 and this is 4 years old. I was having financial difficulty 4 years back and i was 120 days late not in XX/XX/2019 XXXX switch it from 120 to 150 causing my credit score to drop 89 points. The account has been in good standing for over 3 years, This was a spiteful maneuver for a reason unknown to me. I called and asked them to change it back to 120 but they refused even though its from 4 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Hi there, I hope you are having a wonderful XXXX XXXX! 

Having an issue with 1 Collection appearing on my credit reports. This was a report ran by XXXX, where it shows back in XXXX of 2017 an attempt to collect a debt was sent by XXXX over to a debt collection agency called Diversified Consultant. I have gotten to the bottom of this and have since settled the debt in full. The two companies said they can not take it off my credit report, so a friend of mine recommended I reach out to CFPB for help. I believe this old collection is hurting my credit score, and was hoping for some help getting this taken off so that my scores can increase. This debt happened in a time when I did not have a job, but that is no longer the case, I now have a stable job and a stable income. Would it be possible to help get this taken away? 

Collection Details : Account Name : Diversified Consultants Original Creditor : XXXX Open Date : XX/XX/2017 Further Details : I settled this debt in 2017, by making one payment in XX/XX/2017 of {$360.00}, and made the second and final payment in XX/XX/2017, of {$360.00}. After I made the final payment Diversified Consultants said they reported to the credit bureaus as payment settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: CITIBANK, N.A.
State: UT

Complaint narrative:
XX/XX/2019 Called CITIBANK XXXX XXXX XXXX They found the account and forwarded me to Federal Fraud Called XXXX XXXX XXXX XXXX Called XXXX Reference XXXX XXXX Called Federal Trade Reference XXXX XXXX XXXX XXXX Fraud Alert on my XXXX account Account opened XX/XX/2019 charged XX/XX/2019 XXXX Over limit alert. Called CITIBANK back again for a " Closed Account '' and they stated they could not locate my information without a Credit Card number. And did not assist me with the letter for " Closed Account ''

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 2019-02-14 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: OH

Complaint narrative:
I was going over my credit file when I saw accounts and utilities that I have never opened. I found collections accounts from companies that I have never done business with. I have moved back from XXXX to XXXX a few times in the past 4 years. I am here in XXXX now. I do not know who has used my identity. I do not recognize the following accounts : XXXX XXXX # XXXX**, XXXX XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX # XXXX**, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX**** , XXXX XXXX XXXX # XXXX**** , XXXX XXXX XXXX****. who ever it is I believe they are still using my name and my name is even misspelled XXXX XXXX XXXX my correct spelling is XXXX XXXX. I have filed a report to the FTC as well as XXXX Police Dept.

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 2019-02-14 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: Capital Accounts, LLC
State: FL

Complaint narrative:
I sent them letters because they are reporting it to the bureaus, but they not sending any valid proof or permissible purpose of any debt i owe them. 

They did not send me any contract where I signed to pay them anything. 

I have contacted the credit bureaus multiple times disputing it, but they also have no proof yet still keep it damaging my credit and defaming my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation
State: SC

Complaint narrative:
In XX/XX/2018 I had a medical procedure done at XXXX XXXX Hospital. The original bill of the hospital was {$20000.00}, the plan paid {$9300.00} and I had to pay {$3900.00}. Funny, the bill was itemized and I was charged for services I did not receive, they said they were available to me? One of the services was Physician {$15000.00}. My plan paid {$7300.00} and I paid {$3100.00}. A month later I received another invoice for the same procedure from the physician Dr. XXXX XXXX from XXXX XXXX XXXX in XXXX, SC in the amount of {$1100.00}, plan paid {$68.00} and they said I owed {$29.00}. I contacted the office and explain this was a double bill for the same procedure. The bill was turned over to Receivable Management Corporation on XXXX XXXX XXXX, SC. They used the strong armed tactic threatening my credit even after I explained this is a double bill. Then Receivable Management Corporation put this {$29.00} against my credit report. With the XXXX Credit I filled a dispute because this is a double bill for the same procedure. All they did was verify that the dispute was in my name, not whether it was a valid dispute. Everyone is saying the physician can charge you whatever they want to and the insurance does not question, they just pay. The final part to this story is Dr. XXXX XXXX tried to XXXX me. Because of his incompetence I had to be hospitalized for 4 days in XXXX with XXXX XXXX XXXX because he refused to treat me correctly for my symptoms.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: NV

Complaint narrative:
I have paid off several accounts and the credit reporting agencies TransUnion and XXXX  will not update or remove the derogatory information. The accounts XXXX  and XXXX  XXXX are both paid in full. Both agencies have been notified of the pay off and continue to report as negative. I've asked for several investigations and offered to provide proof of paying it off and they still report derogatory information saying they have verified it. But I have proof of payoff. Both accounts show pay off to XXXX XXXX and XXXX that's my bank account XXXX XXXX statement so you can see both accounts are paid off.

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 2019-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: MA

Complaint narrative:
I began recieving calls from a company claiming to be a debt collection agency. They claimed that I had an unpaid medical bill from a hospital that I had been to, but I had never received any such bill or communication from the hospital itself and thought I had already paid all of the bills incurred during my visit. Further, the debt collection agency said they had sent written letters/bills to me, but they did not have my correct address. When I provided my correct address I began receiving bills but never received evidence of the original hospital bill or what the charge was for. Further, the letters were not printed on letterhead, were never in the same format, listed different amounts due within the same bill, and the only payment option listed was to mail in a check. They then called me again asking me to pay, and only then gave an online payment option, which had no login information, account information, or way to confirm the amount owed, and I was expected to just enter an amount to pay without any security or confirmation that this information was correct. They have continued to call me regularly to collect the debt, which at this point I don't even think is real.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: WA

Complaint narrative:
I XXXX XXXX am disputing a XXXX XXXX XXXX debt of {$440.00} from resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This dispute has dropped my credit score by 26 points. I have contacted XXXX  and XXXX  credit bureaus to have them add a fraud alert and credit freezes on both until I can find out what has happened or is happening. As of XX/XX/2019, I have an XXXX  score of XXXX, XXXX score of XXXX, but an XXXX  score of XXXX which is down 25 points which is absurd. XXXX  and XXXX  told me that although I have a freeze on my account, that wont stop the problem of XXXX XXXX XXXX ( ERC, a debt collection company ) from placing this back on my credit. 
Either a new tenant used my cable fraudulently or I was taken advantage of because XXXX XXXX knew that I would not see any payment notices because of me moving. I notified XXXX XXXX XXXX ( ERC ) that this is not my doing and this account is fraudulent. I was told by ERC customer service agent who took my call and gave me a reference # XXXX that XXXX XXXX stated that the customer moved out of town. I had a forwarding address for XXXX  State and never received a final bill notice of {$440.00}. Therefore, I think I was taken advantage of or either this is fraudulent. 

I am currently reaching out to The Attorney General of XXXX, The Federal Trade Commission, The Federal Communication Commission ( FCC ), The Consumer Financial Protection Bureau, and The Consumer Fraud Bureau of the Attorney General of XXXX XXXX  ( Which is XXXX XXXX Headquarters ) to resolve this debt benefit and negligence of XXXX XXXX, an investigation of this dispute from ERC, and to avoid any future credit score drops.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit report has been mixed up with my XXXX and no matter how many times I call to get it fixed or send in a dispute, they havent been able to fix it. Both XXXX and transunion havent been able to do anything. Transunion theres still has inquiries that aren't mine, and a reported closed account, not mine either. XXXX has a account thats not mine on their report and another closed account.

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 2019-02-14 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: Midwest Recovery Systems
State: GA

Complaint narrative:
I have been a victim of identity theft and it seems that this will be a never ending miserable issue for me. The credit cards with XXXX XXXX XXXX were opened fraudulently not by me. I disputed these accounts with the original creditor and all thee bureaus and the accounts were deleted from my credit file. I submitted a police report for these fraudulent accounts as well. Now, these accounts are in collections and reporting on my credit files again with a different creditor, Midwest Recovery Systems. This is not only frustrating but it is also causing a negative impact to my credit file for an account I never had!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Performed XXXX procedures on my sons XXXX that i did not consent to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been a victim of identity theft and it seems that this will be a never ending miserable issue for me. The credit cards with XXXX  XXXX XXXX were opened fraudulently not by me. I disputed these accounts with the original creditor and all thee bureaus and the accounts were deleted from my credit file. I submitted a police report for these fraudulent accounts as well. Now, these accounts are in collections and reporting on my credit files again with a different creditor, XXXX XXXX XXXX. This is not only frustrating but it is also causing a negative impact to my credit file for an account I never had!

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 2019-02-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a victim of identity theft and it seems that this will be a never ending miserable issue for me. The credit cards with XXXX XXXX XXXX were opened fraudulently not by me. I disputed these accounts with the original creditor and all thee bureaus and the accounts were deleted from my credit file. I submitted a police report for these fraudulent accounts as well. Now, these accounts are in collections and reporting on my credit files again with a different creditor, XXXX XXXX XXXX. This is not only frustrating but it is also causing a negative impact to my credit file for an account I never had!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
My wife received a call from someone who said they represented CITI Bank. They started saying we owed money, which we do not. They threatened her and that they would call her work. We have already been through this last year before with another bogus outfit and filed a complaint on them, which is listed. We have proof this debt was paid. 

This company is called XXXX XXXX ( what a joke! ) and their number is ( XXXX ) XXXX. 

Thanks, 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 2019-02-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Financial Credit Service, Inc.
State: OH

Complaint narrative:
I received a call XX/XX/19, at XXXX XXXX  to my do not call or text cell phone ( XXXX ) XXXX from a caller ID hidden number. The caller represented herself as member of the XXXX County District Court. She requested that I have a relative call her immediately regarding a fraud case and told me that my son XXXX XXXX XXXX as well as me, XXXX XXXX XXXX may be called to the court in the fraud case. She told me to have the relative call XXXX ext XXXX and gave me the name XXXX XXXX. I called the number given and connected to a voicemail. I told them I would be reporting XXXX because of the misrepresentation and they have no right to contact me regarding a debt collection that is not mine. I directed them not to call me again. Almost immediately, XXXX called me again, twice, which I did not answer. I was left a voicemail to call them and talk. XXXX reported the true phone number as XXXX. I have kept the 27 second voicemail from XXXX.

Company response to consumer: Closed with explanation