vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
The company has not provided ANY proof of debt and are harassing me threatening to hurt my credit, etc. 

They have not sent me original statements and I have sent them the letter that shows this has been paid by charity at the hospital. 

All I have is what i had before a list of numbers which mean nothing to me. 

They did adjust the amount but are still attempting to collect fraudulently. 

tHE LETTER FROM THE CHARITY HAS ALREADY BEEN SENT.

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 2018-08-06 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Are reporting to credit Bureaus When I have numerous times in writing disputed their right to collect and or report to the credit bureaus negative credit info on me. 
I have asked for them to show proof they purchased this debt & the terms & amount of the purchase of this alleged debt. 
All they provide is statements from original creditor, but refuse to show proof of documents any purchase contracts or assignments proving they have the legal right to collect & provide negative info to credit bureaus .As well as what they purchased the alleged debt for, not the balance on original creditor statements

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 2018-08-06 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: LA

Complaint narrative:
During a prior dispute, XXXX removed all of the following accounts because of false misrepresentations. However, Equifax only decided to remove one of the following accounts although both agencies were submitted the exact same information regarding the XXXX XXXX accounts. 

For whatever reason, Equifax can not find reasonable cause to remove the other two account when they have all the required information to do just that, remove the incorrectly reported accounts. 

XXXX XXXX Accounts in Dispute : XXXX - {$1300.00} ( Deleted by XXXX  ) XXXX - {$280.00} ( Deleted by XXXX ) XXXX - {$390.00} ( Deleted by XXXX ) ; ( Deleted by Equifax ) Equifax Credit Dispute Results ( Regarding XXXX XXXX ) : Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *CHARGE OFF AMOUNT *ADDITIONAL INFORMATION *ACCOUNT HISTORY. 

Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACCOUNT HISTORY. 

Account # XXXX The results are : This item has been deleted from the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Io, Inc.
State: SC

Complaint narrative:
XXXX XXXX is on my Consumer report as well as my credit report for dates from XX/XX/XXXX to present XX/XX/XXXX and shows as a " collection '' or " no data for this time period ''. I have never used this insurance, and have had XXXX Car insurance since XX/XX/XXXX. I have contacted the company and was told they did not have a collection dept and they were not sure how to get me to the right person. I also contacted your organization, and was directed to to call XXXX XXXX as well. A ticket was created # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We tendered lawful money to discharve alleged debt said to be owed by my " deceased '' husband and has been awaiti g the ceryification of release/duscharge from BANK OF AMERICA and Their Atty XXXX XXXX XXXX since XX/XX/2017. It more than a year and no response, only to receive a letter from XXXX XXXX XXXX say if I want to deed the house pver to them then they will not auction it ... this was like a thu derbolt ... .shocking! We were not notice by BOA of who this XXXX XXXX people are, no notice from them how they came to have control of my file. Also I was never noticed of a pending auction of my home. We learnt of this from co versation with other people and Reators. No proof given that I have been defaul or neglictful in 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 explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
Early Warning of XXXX XXXX XXXX XXXX, XXXX, Arizona, XXXX who is representing XXXX  XXXX XXXX and or XXXX  XXXX XXXX has erroneous insinuated that I ( willfully, knowingly and intentionally ) transacted and or attempted to transact with an account in an unauthorized manner ; when in fact I was the victim of a fraud perpetrated by persons outside an ATM in XXXX XXXX  XXXX. ( The Circumstances of which are outlined in the attached documents ). 

I have had no further correspondence from Early Warning since the earlier part of this year despite seeking vitiation of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: LEXISNEXIS
State: GA

Complaint narrative:
In XX/XX/2018 I got an online quote for insurance and was told my premium would be far higher than I expected. When I called the company ( I forget who ) they said Lexis Nexis had reported an accident under my name. I then obtained my report from Lexis Nexis and it had several accidents listed under my report. The people involved in the accidents are XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX TX. I am not these people yet XXXX ( the agency who reported these people under my DL and SS ) refuses to retract the incorrect information and Lexis Nexis accepted their claim that I am the same person as XXXX XXXX XXXX in XXXX NY even though I have a completely different name and address, never had a policy with XXXX and do not own the cars listed on the credit report with Lexis Nexis. When I called XXXX, the representative was rude and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: UT

Complaint narrative:
AMERASSIST AR SOLUTIONS, collecting on behalf of XXXX XXXX XXXX XXXX I attended The XXXX XXXX XXXX in XX/XX/2013 and received federal student loans for my tuition. Amerassist AR Solutions is attempting to collect {$5000.00} and has reported this on my credit report. This is a fraudulent collection action and an attempt to collect money that I am already paying back to the government as they are the ones who lent me the money to attend the school. Amerassist is merely attempting to collect free money from me and will not remove the account from my credit report. This has made it very difficult for me to get any type of credit due to the balance owed and the age of the student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
XX/XX/XXXX I requested a modification from Owen on my mortgage due to miss-payments based on illness XX/XX/XXXX Letter of Default date from Owen ( {$1300.00} ) was created and sent to me XX/XX/XXXX Modification on Owen sight read denied. 

XX/XX/XXXX Spoke with Relationship Manager, XXXX XXXX and requested a repayment plan to catch up arrears and it was also denied. 

While I have been trying to work out a repayment plan with Owen, they continue to engage in " Dual Tracking '' in an attempt to take my home. '' Home value : {$310000.00} ( BASED ON NEXT DOOR SALE OF XX/XX/XXXX Amount owed : {$90000.00} Amount pass due : $ {$1300.00} XXXX XXXX XXXX no XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
During XX/XX/2018, I sent a letter to Aargon Agency. In the letter I asked for the company to please provide me with evidence of the authorization of this matter, the authorization of law for them to collect this information, proof of the alleged debt, including SPECIFICALLY the alleged contract or other instrument bearing my signature. I also request that they please identify the original creditor, provide a complete account history including charges added for collection activity, provide that their agency is a licensed debt collector and can operate to do business in my state and also for their license number and registered agent. As of today, I have not received a response from the agency. 

During XX/XX/2018, I once again sent another letter requesting these information from the above-mentioned companies, no response received. I have sent multiple letters to each credit bureau to have these accounts removed from my credit report, but they refuse stating the debt has been verified, but they provide no proof as to how the debt was verified despite me sending letters that the debts have not been verified.

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 2018-08-06 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: DISCOVER BANK
State: GA

Complaint narrative:
I have disputed the account entry with Discover Financial Services and the credit bureaus alike for the inaccuracy in the reporting. Discover is currently reporting that I have a past due balance and past due amount of {$1300.00}. However, Discover sent a XXXX for this same account entry. They did not update the credit bureaus with this information and has since then continued to report this amount. Since the XXXX was sent, it established the premise for the understanding of the IRS tax law that since Discover canceled the debt with the sending of this form, it should be reflected as such on my credit report. 

When I disputed this entry previously with Discover and the credit bureaus, I was informed that the account entry had been verified. This is far from the truth because if it had been, it would be reflected on my credit reports. To that end, this entry must be deleted as it is inaccurate. See attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a number of store cards ( i.e. Lowes, XXXX ) which are issued by XXXX XXXX. XXXX XXXX keeps decreasing my credit limits each month on these cards and each time they do this lowers my credit score. 

In Synchrony 's letter it states card balance too high as one of the reasons for lowing the limit in essence they are creating this situation to happen. 

In addition, Synchrony also reports the lowing to the credit bureaus 30 days before I receive a letter from them. 

Their business practices are disgusting.

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 2018-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Capital One close my account with absolutely no notice to me. They have over {$700.00} of my money in the checking account. When I called them to inquire as to how I could access my available funds they told me I would not be able to access my funds until the account is fully closed and that could take up to 90 days. I asked him if I could go into a branch and withdraw my funds and they told me that I could not that I would have to wait until the account is fully closed and then they would send me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
During a prior dispute, XXXX  removed all of the following accounts because of false misrepresentations. However, XXXX only decided to remove one of the following accounts although both agencies were submitted the exact same information regarding the Capital One accounts. For whatever reason, XXXX cannot find reasonable cause to remove the other two account when they have all the required information to do just that, remove the incorrectly reported accounts. Capital One Accounts in Dispute:XXXX - $XXXX (Deleted by XXXX)XXXX - $XXXX (Deleted by XXXX)XXXX - $XXXX (Deleted by XXXX); (Deleted by XXXX)XXXX  Credit Dispute Results (Regarding Capital One):Account # − XXXX* The results are: We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: *CHARGE OFF AMOUNT *ADDITIONAL INFORMATION *ACCOUNT HISTORY. Account # − XXXX* The results are: We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: *ADDITIONAL INFORMATION *ACCOUNT HISTORY. Account # − XXXX* The results are: This item has been deleted from the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: NC

Complaint narrative:
Company called XXXX is attaching a collection to my credit report on both Equifax and XXXX. They say its for a commercial loan to XXXX XXXX. It would have been for a commercial loan to a dissolved company. To get around the consumer credit rules these companies are reporting it as collections to the individuals. The loans are unsecured purchases of receivables. When the companies go bankrupt they use this tactic to affect the individuals credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06 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: TX

Complaint narrative:
No attempt was made to verify the collections disputed. 
I do not recall seeing the original dispute or anything from the company that they claim contacted me. 
There was nothing done to confirm the debt which I do not owe. 
It is a medical debt that was sent to a charity organization at the hospital and paid by them. 
Trans union is lying when they say they tried to check it out, they made no attempt to remedy the issue and just stamped it as good and put it on my report. 

This is not a legal debt., The original creditor was the hospital that I was admitted to. It went ot a collections agency that did NOTHING to confirm the debt.

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 2018-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I moved and could not receive XXXX-internet service in my new address. I continued with the XXXX XXXX service and discontinued my services with the Internet. However, XXXX-internet services were not canceled and they continued charging it on my XXXX account. I was not aware of these charges until I was reviewing my account. They charged me for approximately 8 months at {$60.00} a month and on top of that also charged my interest and late fees. I have spoken to their representative who continues to tell me that XXXX reimburse me ( false ) and that I had to pay them {$470.00}. This is extremely unfair and unjust, I do not owe them anything and in fact, they awe me for charging me fee for no service. As they continue to state that I owe them money, I was and am still up to date on my XXXX XXXX  bill, ( of which was combined with internet service ). 

In short, I am owed {$480.00} plus all the late fees and misc charges to my account. The representative admitted they owed me money, but that is when they hang up on me. I have called several times and have put on hold and transferred around. This is frustrating, I am attaching my last statement from XXXX XXXX XXXX for account number 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 2018-08-06 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Hello, On XX/XX/XXXX this year I closed a Credit card Account with Barclays Bank. There was a pending balance on the card when closed so the belief was the card was paid off in full. 2 months later My credit score dropped by 100 points and this is how I was notified of a balance on the card. I contacted Barclays and Paid the card in full. When questioned why I had not received any notification of balance they stated that they sent me email notification. Checking my mailbox and spam I received no notifications. I asked for proof of notification and the refused to send me proof of emails from Barclays to myself stating I owed money on my card. On XX/XX/XXXX I opened a XXXX credit dispute. The results of that investigation removed the late payment discrepancy from my credit report. When I started a XXXX dispute on XX/XX/XXXX I received the results of this dispute on XX/XX/XXXX stating that the information was accurate. Since the two investigations should have been the same. the Late payment should be taken off all of my credit reports. 

Thank you so much

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 2018-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
identity theft occurred in XX/XX/XXXX at this time I was ( and still am terminally ill ) and had a caregiver helping me who gained access to my personal information thus successfully opening credit card accounts, hacking my bank account to use my checking account to increase spending limits by making payments on these cards and fraudulently signing my name so they could charge more goods. I have sent notification to citicard explaining situation, not willing to work with me on /refuse to even consider that this is a identity theft issue. They have repeatedly harassed me with collection phone calls since XX/XX/XXXX and have harassed my elderly parents as well asking questions about my whereabouts. I have filed identity theft reports and contacted credit card bureaus about the situation. Still in process of trying to clear this up. It is a frustrating stressful situation. XXXX is more tolerable.

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 2018-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted Transunion to dispute credit inquiries on my credit report due to their inquiry issues and was told that it did not affect me when in fact it did as i have several inquiries that i did not initiate. they were unwilling to help

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