vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: CA

Complaint narrative:
Capio Partners This company is attempting to collect a debt from an Energency Room visit that occurred on XX/XX/2016. The provider was paid in full according to his contract with my insurance in XXXX of 2016. Capio Partners bought this " bad debt '' from the providers billing company and is attempting to harass and bully me to pay {$540.00} that I do not owe. 

They have been contact by my Insurance provider and provided proof of payment four times, yet they insist they have received nothing. I personally sent them the information and they insist they have not gotten it. 

After some research. I learned that Capio Partners is known for this behavior and will harass you until you pay. It does not matter if you do not owe the money.

I have also filed a fraud complaint with my local District Attorney 's Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 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: UT

Complaint narrative:
Equifax and XXXX  are reporting an incorrect coding of the XXXX/XXXX   partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 11 and 12 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a Macy 's credit card they changed it over to a Macys XXXX XXXX. In XXXX i paid off the statement balance. Recently, I though i used my credit card to purchase a skirt for my husband 's funeral. i had not gotten a bill and six weeks passed. I contacted them and they stated that yes i owed them {$58.00} for a {$22.00} skirt and interest that was billed after i paid off my card. I keep getting oversees call centers which are saying i that i don't have paperless billing but have not received bills. They reported me as over 30 days late and have not sent bills. I have gotten coupons no bills from Macy 's I have tried to resolve the issue for two days and keep getting oversees call centers that can't help me. My online access also shows a XXXX balance on my credit card. No one bothered to call me to say hey your late. I was told that is a courtesy. they have refused to assist me in resolving the issue to get a bill so that i can pay it but have reported it to my credit causing me to have negative credit when my credit was perfect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MiraMed Revenue Group LLC
State: VA

Complaint narrative:
Miramed, XXXX, and/or XXXX XXXX XXXX Hospital attempted to collect a debt without utilizing the insurance. Prior communications indicate that all parties were aware of the insurance in place and the purpose of me paying for insurance, is that it may be utilized. The original debt was indicated to be {$4800.00} and the reduced rate is {$580.00}. If they want only {$580.00}, then the insurance company can pay them that. Otherwise, the deductible and co-payment will need to be identified and ALL provider bills will need to be considered in the billing cycle. Not just this bill. Again, this is the reason I purchased insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I tried to log into chase from a new device, but put in the wrong username. They locked me out as " suspicious ''. They had some phone numbers to call on the site. All numbers are inactive/defunct ( XXXX-XXXX-XXXX ( XXXX-XXXX-XXXX-XXXX ) ; TTY support : XXXX-XXXX-XXXX-XXXX  TTY support : XXXX-XXXX-XXXX-XXXX ). 

I called them through the number on my credit card and there was no option to talk to a person. Somehow, I got a person, and was on hold for 30 minutes. They transferred me to 4 other people, and each put me on hold for 10+ minutes. All asked personal questions. Last person wanted to text my old phone ( which I no longer have ) a confirmation message. When it was made clear that that number wouldn't work, they told me there was nothing they can do to unlock my account, and that I had to " find a banker '' to do it for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: UT

Complaint narrative:
XXXX and Transunion are reporting an incorrect coding of the XXXX partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 11 and 12 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: IL

Complaint narrative:
I am requesting that Equifax, XXXX XXXX, and XXXX delete XXXX XXXX/XXXX account ending in # XXXX and XXXX/XXXX   account ending in # XXXX from my credit report due to inaccuary, because it was deleted from my XXXX, XXXX, and XXXX credit report. Please remove these accounts under the FCRA that it is not accurate or verifiable. Under section 609 of the fair credit reporting act if they can not be verified as accurate or have proof of the validation of debt it must be removed from my credit profile. Equifax, XXXX XXXX or XXXX XXXX has not provided me with a sign contract or anything with my signature validating this debt. Under the FCRA I have the right to sue Equifax, XXXX XXXX and XXXX  XXXX due to violating under the FCRA. Please delete these accounts so no further action can be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: UT

Complaint narrative:
Transunion is reporting an incorrect coding of the XXXX  partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see page 24 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: VA

Complaint narrative:
The credit reporting agencies will not update my XXXX XXXX as paid off and closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have no knowledge of this debt. I wasn't mailed anything in regards to this debt. I tried to call and speak to someone for over an hour this morning. I was unable to speak to anyone. This debt appeared on my credit report this morning without any notice to dispute. Please delete ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: WA

Complaint narrative:
one XXXX  fraud account was opened under my name, this accounts was placed back on experian credit reporting agency,  this is not correct reporting, this is fraud opened without my knowledge, i have disputed and was removed from all three bureaus, but experian is not cooperating and placed back again under my name, my whole life has been changed because of this, all my credit cards have been closed due to this inaccuracy they think this is mine and have XXXX  my life. 
please help, as a consumer i need your help to defend myself against these bureaus, i will be attaching my police report, please have this under you consideration appreciate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
ALLY FINCL partial account number XXXX - is reporting incorrectly to XXXX a late payment in XXXX. ( Please see page 3 of the attached credit report. ) The company offered an extension but failed to input the extension correctly into their system and consequently this resulted in a late payment being reflected on my credit report. This incorrect reporting is harming my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: TX

Complaint narrative:
I have Sent in FTC reports i have sent all my proper docs that credit bureaus told me to send in and the still have not removed the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NPAS, Inc.
State: VA

Complaint narrative:
XXXX, NPAS, and/or XXXX XXXX XXXX Hospital attempted to collect a debt without utilizing the insurance. Prior communications indicate that all parties were aware of the insurance in place and the purpose of me paying for insurance, is that it may be utilized. The original debt was indicated to be {$4800.00} and the reduced rate is {$580.00}. If they want only {$580.00}, then the insurance company can pay them that. Otherwise, the deductible and co-payment will need to be identified and ALL provider bills will need to be considered in the billing cycle. Not just this bill. Again, this is the reason I purchased insurance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Consultants, Inc.
State: GA

Complaint narrative:
FOUND OUT TODAY I WAS SENT TO COLLECTIONS OVER A BALANCE THAT I SHOULD NOT HAVE EVEN OWED. I WANT THIS REMOVED IMMEDIATELY. ACCOUNT # XXXX IF THIS IS NOT REMOVED AND WIPED OUT COMPLETELY I WILL BE SEEKING FURTHER ACTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
old credit inquires are still on my credit report and need to be removed they are too old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: WA

Complaint narrative:
one XXXX  fraud account was opened under my name, this accounts was placed back on experian credit reporting agency, this is not correct reporting, this is fraud opened without my knowledge, i have disputed and was removed from all three bureaus, but experian is not cooperating and placed back again under my name, my whole life has been changed because of this, all my credit cards have been closed due to this inaccuracy they think this is mine and have screwed my life. 
please help, as a consumer i need your help to defend myself against these bureaus, i will be attaching my police report, please have this under you consideration appreciate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 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:
XXXX XXXX partial account number XXXX - is reporting incorrectly to Transunion a late payment in XXXX. ( Please see page 3 of the attached credit report. ) The company offered an extension but failed to input the extension correctly into their system and consequently this resulted in a late payment being reflected on my credit report. This incorrect reporting is harming my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
My mortgage account was recently transferred to Flagstar Bank ( acct XXXX ). I received a notice that my escrow account was short and that my payment will increase by {$150.00}. I called and spoke to a customer service rep with Flagstar and was informed that its their policy to have a cushion of 2 months for taxes and insurance. I am aware that according to 1024.17 ( c ) it states that the servicer " may '' require the borrower to pay additional monthly deposits or do nothing. " May '' is the key term meaning that the servicer can be consumer friendly or not. By allowing my mortgage payment to increase XXXX XXXX  monthly could potentially put me in a delinquent status which could cause other issues that I do not want to incur.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
called to inquire about a collection account on my credit report. Call Diversified Consultants on Monday to inquire and was told that they represent XXXX  XXXX and that they had referred my file to them for collection. I paid my bill in full before I closed the account. I expressed my concern with the negative reporting because I am closing on my home mortgage and it will affect my closing. I inquired about how to get it removed and was told that i had to contact XXXX directly. XXXX  told me that i had to contact Diversified. In the meantime i am being hurt by their lack of action. They only care that i pay the amounts i dont owe and that's it. Nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
In XX/XX/XXXX, I wrote a letter to XXXX  requesting information supporting the alleged charge as I did not recognize the bill. They never responded. I wrote again on XX/XX/XXXX demanding that they validated the debt and stop reporting a collection action against me. Subsequently XXXX  stopped reporting but XXXX and XXXX continue to do so. I have attached my XX/XX/XXXX letter and my most recent credit report excerpt so that XXXX  and XXXX  still report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NH

Complaint narrative:
On XX/XX/XXXX I received a letter from the town of XXXX NH XXXX stating my bi-annual taxes for XX/XX/XXXX have not been paid. I contacted LakeView ( mortgage company ) and sent via e-mail the Notice of Impending Tax Lien and the XX/XX/XXXX Tax bill. I sent several emails with no response. On XX/XX/XXXX I checked with the town and still no payment. I asked if I should pay the bill or wait, the town said it happens often and normally things are taken care of quickly and recommended i wait. I called LakeView on XX/XX/XXXX and was told a payment went out on the XX/XX/XXXX. I checked again with the town on the XX/XX/XXXX and still no payment. I received an e-mail on the XX/XX/XXXXfrom XXXX XXXX stating that a disbursement was made on the XX/XX/XXXX. I was told to not to pay the bill by the town on the XX/XX/XXXXsince a check is in route. On the XX/XX/XXXX the check failed to appear and a lien has been placed on my house and my credit has been affected. I work for the XXXX and am required to keep fiances in good standing due to security clearances. I have contacted LakeView Mortgage several times with little help and no follow up on their end. As of XX/XX/XXXX the bill is still outstanding. Per a conversation with a lawyer I was told not to make the payment on my own yet due to a double payment that may take even longer to be reimbursed. The lawyer I contacted suggested to try this process first. I have been with this mortgage company for 9+ years and always in good standing with no late payments. The Tax and insurance are paid through an escrow account that is paid monthly and is current with available funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: MS

Complaint narrative:
I have been trying for over a week to access the companys application and/or their website to access my account without success. 

I fill out the forgot user name and fill our the requested information and wait ( as directed ) for an email to access the information. I wait the requested time and check my spam or trash folder without success. I wait an additional few hours or days with the same result. 

I do, however, receive a request to fill out a satisfaction survey. 

I spoke to a representative, did not write the name down, while working with this individual tried to change my user name after supplying the prequalifying information : SSN, Full name, birthday, and. Correctly answering the security questions. I wanted to use a newly developed password that contained an S which I spelled phonically as XXXX however the individual did not understand and repeated cscan ; when I pointed out that this word began with a C not an XXXX the individual still did not understand and jumbled several of the other characters as well. 

I became so upset and angry that I told the individual I was both upset and angry ( I do not curse people as it does nothing to solve the problem. ) and that I was ending the call before I became belligerent. 

I filled out a complaint on the afore mentioned survey request ; however, I still can not access the information about 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