vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
I asked for validation from medical data systems complaint number XXXX they they have not provided it according to the fdcpa and the are reporting incorrect information on my credit report according to the fcra. They stated they do not own the account nor the debt well if you look back at the complaint number listed above you will see if clearly states this communication is from a debt collector so they is giving false information out and they is not compliant with the fdcpa laws. They are a debt collector and i do not have to pay them anything regardless of who they work for and i do not owe them anything and they can not prove that i do. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe them. I am requesting proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
I am asking theyPlease attach copies of : Any agreement with your client that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against them is covered under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as  issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010.I want this inaccurate information deleted off my credit report and i will continue to file a complaint under my voice id heard my the cfpb and ftc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: GA

Complaint narrative:
Hard inquiry from XXXX and 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 2018-11-03 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: TX

Complaint narrative:
inaccurate information, no knowledge of account FTC violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hi, I have my bills online with my BestBuy / CitiBank Visa credit card. 

On XX/XX/XXXX, I happened to notice a reoccurring charge on the XX/XX/XXXX of each month. 
Just a line with XXXX. 
I could only go back 6 months online. 
It was there each month. 
I decided to click the charge to expand it so I could see what it actually was. 
It stated Credit Life Insurance Fee. 

I immediately called the Credit card company. 
I asked what is this charge on the XX/XX/XXXX of every month? 
I then asked how long this has been going on? 
She said since XX/XX/XXXX. Which is when I signed up for this card inside a BestBuy kiosk when purchasing an item. 

I let them know that I was extremely unhappy about this and that they need to cancel this Service immediately. They did. I also stated that I want to know the grand total they have ever charged me on my card for this service - that I did not sign up for or want. Then I want a complete refund. 
The person on the phone was XXXX. 
She said we might be able to give you a full or partial refund but it could take up to 30 days to review. 

In the meantime I researched online and saw that this same issue was national news a few years ago. The article stated that Citi was to pay back consumers {$700.00} million in refunds. 

I was never contacted bu Citi or BestBuy. 

I found the CFPB listed in an article for consumers to contact. 

Today, XX/XX/XXXX, I received a statement from BestBuy/Citibank. 

Simply stated that I purchased this on XX/XX/XXXX. Therefore no refund will be paid. 

They also did not provide what I asked for, which was how much much have they charged me in total? 

Can you please advise on how to get my money back? 

Extremely discouraging that even though they were ordered to repay consumers for the very same issue that I discovered on my card, and that I have been a stellar customer for them ... they did not act in a reputable way. 

Thanks, 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 2018-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Back in XX/XX/XXXX I had sent in a complaint ( # XXXX-XXXX  ), and I thought it had been resolved but it has not. All I want to do is go back to my original monthly house mortgage payment of {$1900.00} and then pay my own property tax payment. Wells Fargo paid my XX/XX/XXXX property taxes, which I want to repay them back for but not the additional 30 % profit amount they want to charge me. Also the escrow account I still don't understand how after 23 years all of a sudden it pop 's up?! 
I just want Wells Fargo to allow me to go back to my original monthly payments and they now want to add a percentage more. They are trying to suddenly make an additional amount of money off my home mortgage which I will not pay. I am so sick and tired of them jacking me around on this. I have always paid my mortgage on time each month. 

Sincerely, 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 2018-11-03 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I spoke with a representative from PNC around XX/XX/XXXX or XX/XX/XXXX.  They said that a credit of {$500.00} would be transferred back into the account to compensate us for the confusingly labelled fees to view the images of the checks.The original complaint is XXXX. 

We never received that deposit. We did receive a deposit for {$350.00} but it was not the full amount that they stated on the phone they would make. 

XX/XX/2018 SERVICE CHARGE PERIOD ENDING XXXX XXXX {$350.00} This is disappointing to have to go back and request the full amount. 

What's even worse, we have not viewed any images at all since then. And we received another automatic transfer from our account for {$240.00} XX/XX/2018 SERVICE CHARGE PERIOD ENDING XX/XX/2018 {$240.00} At this point, the CFPB is the only course of action I have to try to remedy this issue and stop these erroneous and expensive charges. I have exhausted all options with the local branch and a top representative from the bank that handles customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-03 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 recently became aware of my credit file has previously been used to acquire credit from several companies that I did not authorized nor apply for. I am taking all suggested actions to protect my name and my credit to clear up these accounts from my credit file and protect myself now and in the future.

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 2018-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Card Receivables Fund Incorporated
State: NV

Complaint narrative:
I have tried to dispute, multiple times a collection that was included in my BKXXXX - even after discharge their remarks claimed it was an open and active collection account, accosting me an extra out of the gate from discharge derogatory, incorrect and damaging collection status, balance, and keeping the status as an open and active collection account REGARDLESS of the the fact that it was IIB and took several disputes just to get the remark chapter XXXX bk noted, however, they REFUSE to change the status to closed discharged and IIB and it is affecting my credit standing and rebuilding process in the worst way possible. It's not only an FCRA violation, it's an attempt to look like a risky borrower on all 3 of CRA 's. 

The status should report as all of my other tradelines have, XXXX balance, included in BKXXXX and have it listed as a CLOSED matter as it is such. It is still not 100 % accurately reporting after several disputes. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
While I was on vacation I missed a payment and when I returned I paid for two months but they claim I did not pay. Tried resolving with navient a couple of times, no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Counsel, Inc.
State: OH

Complaint narrative:
My husband received care at a rehabilitation facility called XXXX XXXX XX/XX/XXXX. All services were paid for upfront through our insurance and we also paid around {$60000.00} for his stay at the facility. On XX/XX/XXXX we received a notice from our insurance company advising they received a bill from what appears to be a company related to XXXX XXXX. They refused payment due to incorrect diagnosis codes, modifiers, unit or place or service. We later received what appears to be a medical bill from the rehab facility reflecting a remaining balance due of {$4500.00}. At the bottom of this bill there is a hand written note showing a balance of {$290.00} for " Canteen Items. '' I've never received a medical bill like this in my entire life. When my husband attempted to contact XXXX XXXX directly to dispute these erroneous charges they couldn't explain the bill and refused to send his dispute to the their billing department. They instead advised he should contact a XXXX XXXX who is supposedly with their billing department. However, we've received phone calls from XXXX XXXX ( XXXX ) and when we've attempted to call him directly he is never available. I've attempted to contact him directly and have left voicemails advising that we're disputing this bill and requested him not to call us again. He later made attempts to contact my husband and I through my parent 's in law and advised them of this medical debt WITHOUT OUR PERMISSION. He left me a voicemail again on XX/XX/XXXX. To date we haven't received a bill or notice from XXXX XXXX about this fraudulent debt. When I called today XX/XX/XXXX I spoke with another man. He advised XXXX XXXX wasn't available, so I advised him we're disputing this fraudulent debt and requested to be put on their Do Not Call list. He refused to stop the calls and advised I would have to tell XXXX XXXX myself. I advised his company is breaking multiple FDCPA guidelines and he replied " they don't have to bend to my will and I could probably end up getting sued, this isn't a sales call so these guidelines don't apply, and he finally advised if I don't want these calls to continue then I should get an attorney. '' I would like to advise I've now contacted an attorney per their request. I confirmed that the actual company contacting us is NOT Serenity Oaks, but a debt collection agency called Credit Counsel Inc., CCI. AGAIN, we have never received anything in the mail from this company! During my call with the gentleman today, XX/XX/XXXX, at no time did he EVER give the mini-Miranda disclosure required per FDCPA guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
I have disputed this account several times requesting physical verification from Online Information Services. I mailed all letters certified mail with signed return receipt in XXXX, XXXX, and XX/XX/2018. I do not have a legal agreement/contract with Online Information Services to pay this debt and I asked them several times to remove this account from my credit report. Online Information Services continues to demand payment from me. Per my rights, I requested a copy of the original contract with my signature that says I agreed to pay Online Information Services yet they refuse to provide me a copy.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. Since Online Information Services refuses to provide me a copy of a legal agreement with my signature that says I agreed to pay their company for this debt, they must REMOVE this account from my credit report. 

Online Information Services has responded by sending me a copy of an old statement from another company. Statements are not sufficient in verifying debt. The law states you must provide me a copy of the original contract with my signature. Online Information Services has and continues to violate my rights according to the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Sears is lowering my credit limit because I have not used the card in 17 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: CAVALRY INVESTMENTS, LLC
State: KY

Complaint narrative:
Cavalry SPVI, LLC is taking me to court and trying to take money out of a bank that I don't use anymore. They wants me to pay the court cost. They do this every few months. Every time it is {$10.00} in court cost. the account has been closed over 2 years! they have tried over six times in the past year and half. It is getting ridiculous. I understand two times but this is harassment! when the Bank tells you the account is closed then its closed. there is no reason to keep beating a dead horse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment for the following date : XX/XX/2018 I am not sure how this happened. I believe that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
XX/XX/2018 A collection was populated on my credit report. 
I saw that this collection was removed last year this is actually the 3rd time this company has reinsterted a collection that was removed. 
They reinsert is by changing balance, original creditor and account numbers.

I called Commonwealth XX/XX/XXXX regarding this matter. 
The agent claimed that they do not reinsert debts. 

I can clearly prove to you that they have indeed reinserted this not only once but this is the third time. attached you will see former credit reports. that show this account. 

Which they already know that this was my dads, and he had passed away. 
Commonwealth and their other Company XXXX is very well aware of this situation. 

I have submitted everything in the past I have also other certified letters from the original creditor the hospital that say that they have no record of XXXX XXXX that is writing this. 

Please tell me is this intentional? Why do you all keep changing the account numbers balances and original creditor? If it was not intentiontional please remove. I understand you all are a business but I am a real person that actually has a dad that past away with the same name. 
Also this company you claim is original creditor has a website XXXX XXXX XXXX which is very strange because in my last complaint they had another website XXXX XXXX XXXX you will see the hospitals in attached. 

I believe this company is fraudulently pretending to be hospitals in order to allow consumers and credit reporting agencies to believe that they are authentic and valid original creditors. THis is Fraud. 
I'm pretty sure Commonwealth does not know this but I am now totifying you. 

Wherever you are buying up this data is selling fraudulent information, Please see the attached. 
Last complaint with CFPB old credit report showing where this debt was reporting on credit report. 

My claim of it being re-inserted Showing what the original creditor said The collection agency saying they will remove it. 
Now collection company 's other name putting it back on Also The original creditor somehow has 2 different websites with different names.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had {$1900.00} stolen from my Bank of America 's checking account. The money was electronically transfered through XXXX to a person whom I do not know. I called BoA to file for fraud, they said they will investigate but when I called them back 3 weeks later, they said that they can not do anything because the login was using my id and password, which I did not share with anyone. I then went to see them in person, but was also told that there is nothing they can do since XXXX is a 3rd party app and I have to contact them. I called XXXX and they told me BoA has their own version of XXXX so they can not do anything either. I then decided to get a police report, and the number was XXXX. I tried looking up online and there were a lot of people who got stolen the same way, but Bank of America also refused to take responsibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: NY

Complaint narrative:
I disputed information that wasn't mine to Experian, they did an investigation that I have no idea how they kept erroneous information that I have no clue why it is on my credit report. They have name variations for me that weren't mine and addresses where I haven't lived and employers that I didn't work for. 

I contacted them and no one answers their phone, then the fax number where they used to accept disputes isn't working anymore, then they give me an upload link then it said it wasn't working. 

I am using this last process before I sue them in Small Claims Court

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
I have received tens of calls from XXXX XXXX XXXX in XXXX Maine regarding a debt for XXXX XXXX. I am not her nor have I ever known her. I have repeatedly told this to the company but they insist on calling me at all hours. They must stop.

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