vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ

Complaint narrative:
This complaint is against the debt collector company Wakefield and  Associates , Inc., which is a debt collector company, and against XXXX XXXX XXXX XXXX, a company that represents emergency room doctors. Wakefield and Associates has purchased medical debt from XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I went to the emergency department at XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX, NJ, XXXX. The bill from XX/XX/XXXX is {$480.00}. The bill from XX/XX/XXXX is {$780.00}. The bill from XX/XX/XXXX is {$1100.00}. A total amount of {$2400.00}. Wakefield and Associates , Inc. has stated that each bill is fully my responsibility. 

On each date of service, I presented my insurance card to the hospitals registration specialist. The primary insurance that I had ( for each of the dates of service ) was XXXX XXXX XXXX XXXX. I was a member of XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I have spoken with a XXXX XXXX XXXX representative and he/she has stated that they received a claim from the hospital, however they never received a claim/bill from XXXX XXXX XXXX XXXXXXXX. 

If XXXX XXXX had submitted the claim to my insurance in a timely manner on the dates of service, the cost could have been negotiated lower and my insurance may have paid for some of the cost. As a result of their negligence to file a claim, I am being charged the full non-negotiated prince. Another result of their negligence is that this debt has negatively impacted my credit report and my credit has decreased due to this debt. 

Since it has been more than 180 days since the dates of service, Wakefield and Associates ( debt collector company ) and XXXX XXXX XXXX XXXX ( company that represents doctors ) can not file a claim with XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX should have filed a claim in a timely manner on the dates of service because I presented my insurance information on the dates of service. I should not be responsible for this debt because XXXX XXXXXXXX XXXX  XXXX failed to file a medical claim to my insurance carrier. 

In addition, I called Wakefield and Associates during the month of XX/XX/XXXX. One of their representatives pressured me into creating a payment plan. He/she stated that I currently did not have a warrant out for my arrest, and to prevent a warrant I would have to pay back the debt. I was very frightened ; therefore, I created a monthly payment plan of {$45.00}. On XX/XX/XXXX, {$45.00} was taken out of my XXXX XXXX XXXX debit account. 

During the month of XX/XX/XXXX, I realized that debt collector companies can not threaten a warrant for your arrest due to outstanding debt. I promptly called Wakefield and Associates and I canceled the payment plan. I explained to a representative from Wakefield that I was canceling the payment plan because felt threatened and pressured.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: FL

Complaint narrative:
id theft victim XXXX XXXX not mine chapter XXXX been 7 years, needs to be removed XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: FL

Complaint narrative:
id theft victim XXXX XXXX not mine chapter XXXX been 7 years, needs to be removed XXXX XXXX XXXX not mine

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 2020-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
When I went to get a car loan I was told that I had a CITIBANK VISA account that had been opened and used in my name. I have not opened a BEST BUY VISA in my name at any time. I froze my credit report and have filed an identity theft report with the federal trade commission. I have received response from XXXX, XXXX, and XXXX. The only one I have had a problem with is XXXX  and Best Buy Visa or Citibank itself. They state they have verified the information and therefore they found it to be correct. I have not ever been contacted to verify these charges. The account is not even mine nor have I even known it existed. XXXX  and CITIBANK VISA have now sent this account to a collections agency.

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 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: OH

Complaint narrative:
Two things first of all : I have a credit card from U.S Bank National  Association. It is a XXXX XXXX Mastercard. Also, I have NEVER used a debit card in my life ( I'm XXXX years old ). I did not request this debit card and do not plan to ever use it. I've tried to call the company many times, but can't get through. They have no contact info for an e-mail on their web site so that's the reasons I'm writing to you. More troubling is that they sent one to me and one to my wife. She passed away in 2018! I would really like to know why they took this action. 

Please note that I have provided the card number on the next page, but have NOT activated it for obvious reasons already stated.

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 2020-07-02 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: CO

Complaint narrative:
I need to know how you verified the items on my credit bureau? How did you investigate it?

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 2020-07-02 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WAS NOT AUTHORIZED BY 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 2020-07-02 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Today, XX/XX/2020, I received yet another letter from Synchrony Bank, indicating declining a credit account to them! I have not done such a thing. Why is Synchrony Bank suddenly harassing me about alleged credit inquiries? I have not made any. My credit score keeps lowering as the result. I have attached today 's letter.

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 2020-07-02 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: The CMI Group, Inc.
State: GA

Complaint narrative:
I have a general complaint about my credit score. I pay 100 % of my bills on time, I have improved my credit utilization by 20 % and my score only increased 2 points. I have a new collection steaming from a cable bill that it is incorrect and it caused my score to drop 10 points. It is so hard for my score to increase but very easy for it to drop. 
I think debt collectors should have to give you more opportunities to address issues before the report to credit bureaus and create a 7 year stain on your report without hearing your side of the story. 
I fulfilled the billing cycle, scheduled disconnection. Returned equipment and was told I had a {$0.00}, later billed then turned over to collection all in 4 months from service disconnection. The original debt with XXXX is still on their account and also with a collection agency and none of it is accurate

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
chapt XXXX bankruptcy only supposed to stay on for 7 years. its 7 years inquires as well XXXX, XXXX  mortgage amrent premium XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-02 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: MI

Complaint narrative:
I contacted TransUnion on XXXX XX/XX/XXXX after review of their response to my 2nd CFPB complaint. I spoke with a female representative with an accent who transferred me to the fraud department. Once connected to the fraud department, I spoke with a male representative who could not explain why my credit score on my account maintained by TransUnion dropped significantly, 65 points ( as reported by XXXX XXXX ), in XX/XX/XXXX. He viewed the account and could not find any recent adverse changes on my account, last action was the removal of a collection account. Absolutely, no credit inquiries were noted as the last inquiries were in XXXX. I asked that he transfer me to a supervisor. I was then connected to XXXX, she was also unable to explain the drop in my score as there were no adverse changes to my credit profile. She attempted to connect me to a representative above her, but was unable to so instead she offered to have a representative call me back. I have not obtained a callback as of today ( XXXX XX/XX/XXXX ). I am going to move forward with contacting the Federal Trade Commission and if no resolve is reached after this complaint. If I am unable to obtain correction of my score after filing a complaint with the FTC against the CFPB and TransUnion, my next step will be to file a lawsuit to address this matter since the CFPB and FTC would have failed to assist with sufficiently resolving this matter. I spoke with TransUnion representatives and they were unable to ascertain what specific adverse activity caused the 65 point drop in My score on or about XX/XX/XXXX. In addition the CFPB nor TransUnion are willing to properly investigate this matter to correct it or provide " specifics '' regarding what caused the 65 point drop in my credit score maintained by TransUnion. However, this unfair and inaccurate score is negatively impacting My financial profile in commerce, which violates the Fair Credit Reporting Act ( FCRA ) and thus My consumer rights. My desire is that my lawsuit becomes a class action as I am sure I am not the only consumer impacted by TransUnion credit score calculation glitches and therefore other consumers are also being adversely impact by TransUnion 's violation of the FCRA via its inaccurate credit scoring. I have opened 2 complaints prior to this complaint and both were closed WITHOUT resolution. If this complaint is closed WITHOUT proper resolution, my aforementioned steps will be carried out post haste and I will see TransUnion and the CFPB in a court of law.

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 2020-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
Rent recovery solutions is charging me XXXX for a monthly rent that was initial XXXX at XXXX at XXXX XXXX!! I tried calling this company to get an explanation of the charges but they either hang up on me or dont answer! I dont believe this is a legitimate company and I need information to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, XXXX the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I purchased concert tickets for a show at XXXX XXXX in XXXX on XX/XX/2020 that was cancelled due to COVID. I was charged for these tickets back in XXXX of 2020, and I have emailed and called XXXX XXXX  over and over for a credit with no response. I then filed a dispute with my credit card company, TD Card Services, over a month ago, and no one at TD Card has been assigned to work on my case, which I was told today by a supervisor when I called to inquire the status. I feel I have paid for something that never transpired, and would like a refund ASAP, as I also feel I have been waiting long enough.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shellpoint Servicing escrows for my insurance and property taxes. Shellpoint has been taking money to pay my property taxes, but has not done so. As a result, I received a Delinquent Tax Notice ( see attached ) from the city, which added on Interest owed as a result. I reached out to Shellpoint last week ; they said it would be addressed by the end of last week, however I just checked and the tax payment still remains outstanding.

Shellpoint has caused other problems with my other mortgages that they service in the past, including where they were escrowing for insurance and did not pay for my insurance, then sending threatening notices about not having insurance paid on my property ( when they themselves are escrowing for it! ) There seems to be systemic issues at Shellpoint around escrowing and making proper payments. They unapologetically act in a reckless manner.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Auto Trakk, LLC
State: NC

Complaint narrative:
The debt being reported on my credit report by AutoTrakk is not being reported correctly. Upon pulling my credit report today, I still see that this debt is being reported inaccurately. I have made numerous attempts to rectify this with the AutoTrakk and with the 3 credit bureaus-XXXX, XXXX  and XXXX individually. I keep getting response to my method of validation request as " verified as accurate '' when clearly this account was not verified for accuracy as it is inconsistent and full of errors in comparison to my 3 bureau credit report. I have a right to request an account to be investigated. I want to ensure that everything on my credit report is an accurate representation of myself.For instance, my XXXX  credit report from AutoTrakk is reporting a monthly payment and a balance due on a charge off. I do not have any written payment agreement on file with this company so how is a payment being reported and the balance didn't change. I HAVE NOT MADE ANY PAYMENTS ON THIS ACCOUNT. I am requesting that this be deleted immediately from all credit bureaus or update with the correct information and send me copies of all documentation that support the amounts and/or dates reported on my credit file for this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I need my credit file to be updated with the correct information I had some issues with incorrect items on my file. My current and on address is XXXX XXXX XXXX , XXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX please delete any other variation of my name. My DOB is XXXX. My SS is XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX , OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX I have cellphone numbers that do not belong to me on my credit please delete at once : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
i use XXXX for my XXXX investments but pnc won't let me i need to be able to sendmy money from XXXX to my account with pnc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
A collections account appeared in my credit file for all three credit bureaus from Midwest Recovery Systems. XX/XX/2020. 
I had never received any communication regarding the alleged debt and I am unfamiliar with the balance and original creditor that is listed inconsistently with the three credit bureaus. Midwest Recovery Systems also listed inconsistent contact information for their agency. A debt validation letter was sent certified with receipt required to the collection agency less than 30 days from its appearance in my credit file and now more then 60 days later I have not received any communication from Midwest Recovery Systems to validate the alleged debt. During the 30 day alloted validation period Midwest Recovery Systems continue to report negative information. I suspect the account to be fraudulent.

Company response to consumer: Closed with explanation