vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 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: Capital Accounts, LLC
State: AL

Complaint narrative:
Here again - another account that was disputed several times with XXXX  and it has not been deleted. I filed a 1692g letter with the collector Capital Accounts and they failed to respond ; furthermore, I called Capital Accounts and I was told the account would be deleted because I do not owe the money. I paid the doctor way before any collections and I never had any contract or association with this company. XXXX   has failed to properly investigate this account under FCRA and Capital Accounts has violated the FDPCA and FCRA by reporting a debt I do not owe, and failure to respond to a formal 1692g letter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I checked my credit to find two negative reports from MIDLAND FUNDING for XXXX XXXX XXXX   XXXX. in the amount of {$580.00} and for XXXX XXXX  in the amount of {$550.00}. I became homeless  after job loss in 2017 and was unable to pay the bills which caused them to go into default. I can settle both debts with {$250.00} each, totaling {$500.00} to delete both trade lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: NY

Complaint narrative:
I am looking through my XXXX  XXXX  I notice I have Dept Of Ed/XXXX  that I owe however I was told they would put all of my cases into ONE BIG CASE which has yet to be done. I am trying to pay off the bill they said they would work with me and lower the price owed and make one set payment and not 8 different separate cases. So I am looking for this to be fixed on my credit report. Any questions feel free to call 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 2020-03-10 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I learned that the company XXXX XXXX XXXX XXXX is no longer operating. 

On XX/XX/XXXX, I mailed by certified mail a dispute for the amount of {$16000.00} against a purchase I made on XX/XX/XXXX, with XXXX XXXX XXXX XXXX. 

The dispute was delivered on XX/XX/XXXX, and I received the return receipt on XX/XX/XXXX. I emailed Fifth Third Bank on XX/XX/XXXX, at which time I requested an update regarding the status of the received complaint. 

I have yet to hear from Fifth Third Bank. 

Background : I purchased a {$21000.00} lifetime access elite training program with XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Services purchased : *Premier 1-on-1 coaching ( 13 weeks/or sessions ) *Assigned Senior portfolio advisor ( lifetime access ) *Diamond reserved inventory ( lifetime access ) *Lifetime membership and access to XXXX  XXXX   XXXX XXXX *Access to client success advocates ( lifetime access ) *Access to Reserved Inventory ( lifetime access ) *Access to inventory List ( lifetime access ) Services received : 5 premier 1-on-1 coaching sessions Services not received : *Premier 1-on-1 coaching ( 8 weeks/or sessions ) *Assigned Senior portfolio advisor ( lifetime access ) *Diamond reserved inventory ( lifetime access ) *Lifetime membership and access to XXXX  XXXX   XXXX XXXX  *Access to client success advocates ( lifetime access ) *Access to Reserved Inventory ( lifetime access ) *Access to inventory List ( lifetime access ) I attempted to contact XXXX  XXXX XXXX  XXXX  on : XX/XX/XXXX-phone out of order XX/XX/XXXX-email undeliverable XX/XX/XXXX-web address no longer valid I requested that Fifth Third Bank investigate and credit me back the amount paid for services not received. 

I have yet to hear from Fifth Third Bank regarding this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
They stole from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of 2019. I made a payment on my normal payment date, XX/XX/XXXX which was my normal payment date. After making the payment on XX/XX/2019, Capital One reported a late payment which damaged my credit score, putting me in a financial bind. At the current time i was searching for a mortgage. Due to the late payment I was considered high risk and was denied. I called capital one and told them that they reported inaccurate late payment on my credit report. They then told me they have no record of the late payment. It is now a year later and nothing has changed. Now I'm reaching out to who ever it may concern to get capital one to remove the false information they reported. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: WA

Complaint narrative:
These people call me 8-10 times per day from all sorts of fake numbers. The message is always the same. The most recent number they listed was for the XXXX XXXX XXXX but they have used many other fake numbers and always leave a message stating that they are HRRG and giving an 800 number to call back. Their website is https : //www.healthcarerevenuerecoverygroup.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$22000.00}, {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5300.00} -This is not my 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 2020-03-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$22000.00}, {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$4100.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a credit limit of {$5300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: NY

Complaint narrative:
I am looking through my XXXX XXXX I notice I have Dept Of Ed/XXXX  that I owe however I was told they would put all of my cases into ONE BIG CASE which has yet to be done. I am trying to pay off the bill they said they would work with me and lower the price owed and make one set payment and not 8 different separate cases. So I am looking for this to be fixed on my credit report. Any questions feel free to call 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 2020-03-10 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 — Was not notified of investigation status or results
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Yes I file a Frad case on my credit card with usaa but now they are trying to call me and leave me a voice mail that i could barely understand, not sure what the calling is about but it's stressing me out since i work 2 jobs and once i got the voice mail i could barely clearly hear anything, i think it would be more understanding if i gotten a letter in the mail instead to be more save.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-03-10 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XX/XX/2019 I was at my local BoA branch ( XXXX, PA XXXX doing some personal banking when teller asked me to talk to Relationship Manager about some offers linked to my account. I agreed to talk and was told that there is an offer for me for opening business checking account. XXXX XXXX showed me the offer and asked if I am interested. The offer was for {$500.00} signup bonus when I open Business Fundamental checking account by XX/XX/XXXX and make qualifying deposits of at least {$20000.00} and 10 electronic payments within first 60 days of account opening. 
I agreed to open the account and transfer funds from my other banks. Within 60 days I met the requirements and expected {$500.00} to be deposited to my account. On XX/XX/XXXX I stopped again by my local branch to see why I was never credited with signup bonus. The person I talked to told me to call BoA Customer Service to inquire about the bonus. I spent almost an hour on a phone talking to someone but the person could not help me because she wasnt able to see that my business account was linked to any offers. She advised me to go back to local branch and talk to branch manager to see why the account that I opened by being solicited by bank employee did not have proper bonus offer attached. Without any success resolving the issue with my local branch I ended up calling back BoA Small business services line and submitted escalation request to review this issue. PROMO CODE : XXXX, Order # : XXXX. I talked to XXXX XXXX from XXXX office. I was promised to have a resolution within 10 days. I called back again in XXXX and was told that the process could take up to 60 days. 
I called back on XX/XX/XXXX and was told that they are still reviewing the case. At this point I had enough, BoA is purposely dragging the process hoping that I would just give up. 

It's XXXX now and over 6 months since I opened the account and I still have not received either signup bonus or any resolution to my inquiry. Bank of America has misled me from the first time they solicited me to open an account and through out the entire process of complaint resolution.

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 2020-03-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
AD ASTRA RECOVERY SERVIC 12 XXXX XXXX   XXXX XXXX Tried to collect {$640.00} through my XXXX  XXXX XXXX account though they had no access to my account information. I never gave them access to my account. I never did busy with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is using spoofed calling, trying to contact somebody named XXXX XXXX ( I've told them I'm not her ), calling my mobile number up to 5 times daily including weekends betweeXXXX XXXX XXXX  and midnight, even though I keep explaining that this has been my phone number for over three years! I do not know this person. I am not her, and I pay for this line via XXXX. The man I spoke with tonight gave me their address, so I can report them to this agency : Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX with a phone number of XXXX I just want them to stop interrupting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MO

Complaint narrative:
I applied for a Discover card 7 days from XX/XX/20. I recieved the card and then a call from Discover asking to fill out a ACTION REQUESTED : Please eSign the required IRS Form 4506-T. This was requested to XXXX. 

I am not a scholar in government, however how is it possible that a consumer retail bank can get assistance to verify income for comsumer products from the government. This is not a loan fund by any government program. 

I would think that any consumer products should be confirm with vendors outside the government and what fees and kick backs does the IRS get for verifying this information and how much of my information is shared with both parties. 

I believe this has to violate some law. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian - BASICALLY I NEED TO TALK TO A HUMAN BEING AT EXPERIAN TO CLEAR THIS UP. IT IS IMPOSSIBLE TO REACH ONE THROUGH ANY OF THE 6 OR SO PHONE NUMBERS THAT WERE POSTED AND THAT I TRIED. THEY SEEM TO HAVE CHANGED THEIR VOICE MAIL SYSTEM AND THERE IS NO WAY TO TALK TO A HUMAN BEING. In XXXX they noted a fraud hold on my report and I could not remove it. I sent in a written request and they wrote that the fraud hold was released. On XX/XX/XXXX my bank tried to get my credit score and the system said that there was a fraud hold. I tried again online and could not release it. Somehow I got to a human being and was informed that there is no fraud hold, but that the address that I lived in 27 years ago is the address on the account. I was told to put in a notice of a new address - I could not do it online had have just mailed it. I opened an online file for my old address ( I still own that property, but rent it out ) and another for my current address. I then checked the reports ( both under my correct SS # ). Both reports had no credit information. I need them to get my credit information on my current file so that my bank can get a credit score. I CAN NOT REACH AN EMPLOYEE TO HANDLE THIS!!!

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 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I clicked on a link that was advertised as a free online credit report, I requested a credit score report from TransUnion on XX/XX/XXXX. They charged me for {$19.00} without asking my permission prior to my request submission. I was not aware their service is not free of charge. I cancelled my subscription immediately. Now, I want a refund and make sure they cancelled my account and don't keep my records.

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 2020-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RSI Enterprises, Inc.
State: CA

Complaint narrative:
In XX/XX/2019 I visited visited my doctor using my health insurance. In XX/XX/2019 I became unemployed and reached out to their billing office after receiving a bill from XXXX XXXX XXXX XXXX which did not specify the reason for the outstanding charges and because I had also become unemployed and the {$50.00} debt was a burden and couldnt pay in full. 
However, I never received a call or email back. In XX/XX/2019 i received another notice and paid {$25.00} of the {$50.00} owed because i was still unemployed. In XX/XX/2019, I received an email indicating my payment plan was completed and No further payments needed to be made. I am now, again getting charged {$25.00} by RSI Enterprise , Inc on behalf of XXXX XXXX XXXX XXXX but unsure for which account but assuming for the same one since they reference a service date of XX/XX/2019. This collection was sent to RSI on XX/XX/2019. My original account number with XXXX XXXX XXXX XXXX was XXXX. 
RFI reference number is XXXX

Company response to consumer: Closed with explanation