vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 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: MIDCOUNTRY FINANCIAL CORP
State: TX

Complaint narrative:
I fell behind on payments and this account was charged off XX/XX/XXXX with a balance of {$770.00} and this has been the charged off balance since XX/XX/XXXX on XXXX, XXXX and XXXX. I recently applied for a home loan on XX/XX/XXXX and 2 days later this creditor has added {$720.00} to the charged off balance and now today they have added {$34.00} to the charged off balance bringing the balance to {$1500.00} on all three credit bureau. They are inaccurately reporting the balance owed on all three credit bureaus and inaccurately adding more to balance owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
After getting my annual credit reports I noticed a collection account that I knew nothing about so I sent a certified return receipt letter to Phoenix Financial Services asking for validation of an amount that they claim I owe them {$1200.00}. I received no communication from them but noticed that my credit files was marked with the statement : disputed by consumer, meets FCRA requirements. Are they not required to verify and validate a debt they claim I owe? I have no knowledge of this debt and do not feel I should have to pay them and would like for them to validate it or remove it from my credit files immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have sent in XXXX/XX/XX/XXXX payments and XXXX XXXX has not cashed my checks. I tried to call them and got recorded message they are not accepting calls. When I checked the internet to see if they were still in business it indicated that XXXX XXXX closed effective XX/XX/XXXX to contact a number that is listed for XXXX. When I called the number it was Resurgent spoke with XXXX XXXX on XX/XX/XXXX he confirmed that XXXX XXXX closed effective XX/XX/XXXX. I advised that I have not received any letters or documentation of this. He directed me to contact new servicer XXXX, XXXX, XXXX XXXX XXXX. Who are these people? Are they going to steal my money like XXXX XXXX? Why are these companies/lawfirms sending letters notifying customers? I need debt validation letters from Resurgent and the new servicer. I need proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: TX

Complaint narrative:
There are accounts that are negative and collections on my Equifax credit report. These same accounts were reported to XXXX and XXXX both XXXX   and XXXX completed the investigation of the items disputed and they were removed from my credit reports deleted completely. Equifax however has not deleted them. Has completed the dispute and all is still on there. I can not access Equifax online at all because the information they have for me doesn't match their records. I have sent them a copy of my DL social and utility bill reflecting my current address yet they do not update it. In fact I don't even know what they show for me because I can never pull any info because it is so inaccurate and doesn't not match XXXX or XXXX or any of my actual true current info. I have tried calling them multiple times never can get them to correct anything and who I have spoken to I'm always told about half way thru the call they are sorry to call back later their system is down or some other reason for me to call back and start over again. It's rediculous and alot of creditors unfortunately use Equifax as their basis for awarding credit I have been denied because my score with them is so low compared to the other two plus the information is wrong. They don't even reflect my current good standing open accounts it's rediculous they are even in charge of this and have control over my life when they don't do things correctly or accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: CA

Complaint narrative:
At the end of XX/XX/2017 I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to file a Bankruptcty I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the item immediately and Equifax and XXXX   have done nothing. 30 days have passed and I sent my second request to Equifax and XXXX  and 30 days have passed again and Equifax and XXXX has again done nothing which is why I decided to come here for help, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: CA

Complaint narrative:
At the end of XX/XX/2017 I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to file a Bankruptcty I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the item immediately and XXXX and Transunion have done nothing. 30 days have passed and I sent my second request to XXXX and Transunion and 30 days have passed again and XXXX and Transunion has again done nothing which is why I decided to come here for help, please help me.

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 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: MD

Complaint narrative:
Receivables Management has placed a collection on my report in the amount of {$440.00} for a medical debt which is not valid but also violates my HIPPA laws as I have never signed a contract with them or given them access to my medical records. I do not have any knowledge of this alleged debt nor have I ever received services from Receivables Management. I have disputed the validity of this debt as well as questioned if they are authorized to collect this alleged debt. This alleged debt that has never been validated has caused irreparable harm to my credit and credit score. I will be following up with more letters to the credit bureaus and to the company after seeking legal representation for violating HIPPA laws.

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 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I cancelled my monthly home security service monitoring in XX/XX/2017. The monthly bill was auto pay for {$59.00}. 
After cancellation, I kept getting bills from XXXX XXXX XXXX. I called them, explained that the service had been cancelled. The representative apologized for the issue and told me she researched the problem and was going to credit the bill and that I would not have any additional issues. 

I am still getting debt collection notices for the cancelled service, even after XXXX XXXX XXXX assured me the error was corrected. Please see attached.

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 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: KY

Complaint narrative:
I received a letter from Mitchell Bluhm Law regarding a bill for my adult son stating it was an older bill from XX/XX/XXXX with a balance of {$170.00}. I contacted MBA Law and set up payments with my debit card. After they have my card information, the next letter I get states the date of service was in fact not form XX/XX/XXXX, but from XX/XX/XXXX. The letter was dated XX/XX/XXXX. NO account is going to go to collections in 4 weeks time. They had already taken payments out of my bank account with the impression that this was an old bill, not a bill from 4 weeks ago.. and my son was not in the hospital on that date. So I called MBA on XX/XX/XXXX twice and left 2 messages questioning this, and asking for a call back. I emailed 2 people asking them to stop the payments ( they told me on initial contact that I could request to hold payments ). I got ZERO response from either contact. So I called again on XX/XX/XXXX, XX/XX/XXXX. So on XX/XX/XXXX I contacted my bank and told them what had happened. My bank reversed the charges and put a request in to MBA for contact. The next thing I get is a notice that they have reported me to the credit bureaus. Without even acknowledging my requests for clarification of a debt that say I owe for my adult, XXXX son who is also on XXXX. Yesterday, XX/XX/XXXX I called MBA again and left 2 messages. I got no returned call. Today I have emailed them twice, no return messages. But yet they want my money and can not validate a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
Phoenix Financial Services has placed a collection on my report in the amount of {$350.00} for a medical debt which is not valid, does not belong to me, but also violates my HIPPA laws as I have never signed a contract with them or given them access to my medical records. I do not have any knowledge of this alleged debt nor have I ever received services from Phoenix Financial Services. I have disputed the validity of this debt as well as questioned if they are authorized to collect this alleged debt. This alleged debt that has never been validated has caused irreparable harm to my credit and credit score. I will be following up with more letters to the credit bureaus and to the company after seeking legal representation for violating HIPPA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Incorrect amount and interests charged when nothing in the original contract or lease agreement indicates interest can or will be charged. In accordance with the Fair Debt Collections Practice Act, 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld Systems has placed a collection on my report in the amount of {$300.00} for a medical debt which is not valid but also violates my HIPPA laws as I have never signed a contract with them or given them access to my medical records. This is the THIRD time they have done this and I am taking legal action. I do not have any knowledge of this alleged debt nor have I ever received services from Transworld Systems. I have disputed the validity of this debt as well as questioned if they are authorized to collect this alleged debt. This alleged debt that has never been validated has caused irreparable harm to my credit and credit score. I will be following up with more letters to the credit bureaus and to the company after seeking legal representation for violating HIPPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: FL

Complaint narrative:
I SENT THE ALLEGED CREDITOR A LETTER TO ALLOW ME TO VILODATE THE INFORMATION REPORTING ON MY CREDIT REPORT BOTH THE ORIGINAL CREDITOR XXXX XXXX XXXX AND THE COLLECTION COMPANY FAILED TO PROVIDE ME WITH SUFFICENT PROOF OF THE ALLEGED ALLIGATIONS. THE LETTER THAT WAS SENT IS NOT PROF OF THE ALLEGED REPORTING INFORMATION. I CONTACTED THE CREDIT REPORTING COMPSNIES AND ALSO PROVIDED THEM WITH THE INSUFFIENT INFORMATION THAT WAS SENT TO ME. BUT YET THE CREDIT REPORTING AGENCIES CONTINUE TO VIOLATE MY CREDIT RIGHTS SAYING THE INFORMATION WAS VERIFIED, BUT YET THE CREDITOR OR THE COLLECTION COMPANY COULD NOT SEND ME OR PROVIDED ME WITH WHAT WAS REQUESTED IN MY LETTER OF VALIDATION. THIS RESPONSE ID NOT ACCEPTABLE NOR IS IT PROPER VALIDATION

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2018 I went to deposit cash into an atm that is located on XXXX XXXX in XXXX, PA. It was inside the lobby. The machine kept saying it could not accept the cash, and kept spitting it out. I have had multiple problems with PNC 's atms!! And this one in particular was even replaced, and the still have the same issues!!!!!!! I did not try a 3rd time because in the past the atm ate my debit card, and it was a MAJOR HASSEL TO GET IT BACK!! I called thier customer service, and they supposedly reported the issue and he refused to send me an EMAIL CONFIRMATION OF OUR TALK, AND HIS PROMOSE TO REPORT THE INCIDENT. That was very unprofessional also! So I literally have no proof that he even noted my account of the incident. However, this time I was smart, and took a photo of the atm, when it said it can not process the cash deposit. 
Now my account has 4 overdraft fees!! I want those reversed NOW.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24 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: FL

Complaint narrative:
I SENT THE ALLEGED CREDITOR A LETTER TO ALLOW ME TO VILODATE THE INFORMATION REPORTING ON MY CREDIT REPORT BOTH THE ORIGINAL CREDITOR XXXX XXXX XXXX AND THE COLLECTION COMPANY FAILED TO PROVIDE ME WITH SUFFICENT PROOF OF THE ALLEGED ALLIGATIONS. THE LETTER THAT WAS SENT IS NOT PROF OF THE ALLEGED REPORTING INFORMATION. I CONTACTED THE CREDIT REPORTING COMPSNIES AND ALSO PROVIDED THEM WITH THE INSUFFIENT INFORMATION THAT WAS SENT TO ME. BUT YET THE CREDIT REPORTING AGENCIES CONTINUE TO VIOLATE MY CREDIT RIGHTS SAYING THE INFORMATION WAS VERIFIED, BUT YET THE CREDITOR OR THE COLLECTION COMPANY COULD NOT SEND ME OR PROVIDED ME WITH WHAT WAS REQUESTED IN MY LETTER OF VALIDATION. THIS RESPONSE ID NOT ACCEPTABLE NOR IS IT PROPER VALIDATION

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 2018-04-24 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: FL

Complaint narrative:
I SENT THE ALLEGED CREDITOR A LETTER TO ALLOW ME TO VILODATE THE INFORMATION REPORTING ON MY CREDIT REPORT BOTH THE ORIGINAL CREDITOR XXXX XXXX XXXX AND THE COLLECTION COMPANY FAILED TO PROVIDE ME WITH SUFFICENT PROOF OF THE ALLEGED ALLIGATIONS. THE LETTER THAT WAS SENT IS NOT PROF OF THE ALLEGED REPORTING INFORMATION. I CONTACTED THE CREDIT REPORTING COMPSNIES AND ALSO PROVIDED THEM WITH THE INSUFFIENT INFORMATION THAT WAS SENT TO ME. BUT YET THE CREDIT REPORTING AGENCIES CONTINUE TO VIOLATE MY CREDIT RIGHTS SAYING THE INFORMATION WAS VERIFIED, BUT YET THE CREDITOR OR THE COLLECTION COMPANY COULD NOT SEND ME OR PROVIDED ME WITH WHAT WAS REQUESTED IN MY LETTER OF VALIDATION. THIS RESPONSE ID NOT ACCEPTABLE NOR IS IT PROPER VALIDATION

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 2018-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Answered XXXX online ad for concert tickets. 

Transferred money through BofA using XXXX XXXX. 

It was a scam and the person never delivered the service. 

I wanted a refund from XXXX, BofA said " no ''.

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 2018-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/XXXX I was charged an amount of {$880.00} by XXXX XXXX XXXX ( merchant ), a whopping {$700.00} more than what I should have paid for the service. I contacted the merchant ( XXXX XXXX XXXX - a subsidiary of XXXX XXXX ) on XX/XX/XXXX, trying to resolve this issue and was met with hostile customer service practice. No refund was issued. The merchant simply sent me the same receipt that I am in dispute with. The merchant has recorded record of my call with them on XX/XX/XXXX, and know that I have no control of the vehicle since XX/XX/XXXX. 

I also immediately filed a dispute with Bank of America for the same amount of {$700.00}. On XX/XX/XXXX, I received a letter denying my claim citing merchant has proof of receipt. I called to Bank of America on XX/XX/XXXX expressing that I disagreed with the result, asking the bank institution to at least try to hold this fund while my complaint is being filed with the Attorney General 's office in Washington DC. In this case, the bank did not do enough to stand by its customer 's side to fight with amount that was wrongfully charged. By the tone of the service representative of the Claim Department, it sounded like something that they would not spend an effort to fight for, asking me to send proof of receipt, when my dispute was with the receipt that I have received from the merchant.

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 2018-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase charged me overdraft fees before sending me an alert notification that I had negative funds in the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: KY

Complaint narrative:
On XX/XX/16 my son had dental work performed by XXXX XXXX XXXX XXXX XXXX. We were told we owed a substantial amount of money prior to his procedure. So I withdrew the money from my 401K. Paid a large fee for early withdrawal, and paid taxes on the money we withdrew to pay XXXX for his services. This money was paid to them directly. Then during a follow up visit, I was told by the receptionist that we had a large credit on our account of {$1200.00} and would be getting a refund check due to us overpaying. I could only assume it was because we carry double dental coverage. We did receive the check a couple of weeks later and decided that since we had already paid the penalty fees and taxes for early withdrawal, then we would apply that money to other medical debts. Then we received a letter from XXXX stating they refunded in error and that they now wanted the money back. They had ample time to review this. I did not ask for money back, I never asked for a refund, they told me that we were due the refund because I overpaid them. We can not take another withdrawal from our 401K. We can not afford to pay more taxes and early withdrawal penalties either. This was their error, not mine therefore I should not be penalized for their terrible bookkeeping practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation