vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
Prior to any invoice, I received a phone call from XXXX XXXX office attempting to collect {$1600.00} over the phone for payment for a XXXX. I advised that was inaccurate as they were in an in-network provider and I had high cost XXXX XXXX XXXX XXXX XXXX dental insurance and XXXX XXXX health which also had a dental provision. XXXX 's office refuses to take the mandatory write off that she is contractually bound to take as an in network provider. I already paid {$200.00} as reflected on the invoice. Please see the insurance patient responsibility of {$400.00} leaving a total of {$200.00}. remaining due. I requested an updated accurate invoice and XXXX refused. At that time I submitted a accurate XXXX review to which XXXX became enraged and sent my account to collections LESS than 3 weeks after sending the initial invoice. 
I filed an ongoing grievance with XXXX XXXX XXXX XXXX where XXXX is claiming she is not an in network provider in an attempt to harm my credit. Please see attached which clearly shows all facts above including that XXXX XXXX is on-network.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: NV

Complaint narrative:
I don't recall allowing these companies to check my credit report, it was not authorized and therefore must be removed 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 2019-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Hi, I have applied for the Comenity Caesar 's Rewards Credit Card twice now, and it keeps getting denied because it states something along the lines of " unable to verify applicant authenticity, high chance of application by non-applicant '' meaning that their automated system thinks that I am not the one applying for the card. However unlike XXXX and other normal credit card companies, Comenity doesn't ask for proof that you were the one who applied. If they had, i'd be happy to provide my Driver 's License and other items, that prove beyond a reasonable doubt that I am indeed the applicant and that I applied for the card. To simply state that they are denying me because they can't verify my identity after conducting a hard pull on my credit, without asking me for proof of my identity is absolutely crazy. I go to Caesars  about once every couple of months, and the reward structure happens to match what I am looking for in one of my credit cards. If they'd like i can send them a copy of my most recent Caesars bill with my name on it, showing that I did indeed stay there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: MA

Complaint narrative:
I am a XXXX veteran and have medical coverage through the VA. I told the collection agency over and over again that I did. They threatened to take me to court, take my house and take my XXXX check. The medical bill came from a trip to the XXXX XXXX XXXX XXXX room, in XX/XX/2018. They took my insurance information said I was covered, never billed me and now sent a {$2500.00} expense to collections.

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 2019-08-14 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I don't recall allowing these companies to check my credit report, it was not authorized and therefore must be removed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX if 2017 I closed account that was a secure card. When I got my final statement it showed I owed money to them. I looked at statement that they printed up to me at the bank and noticed the 1st thing. It was a {$30.00} dollar difference in amounts from the ending month to the very 1st day if the new moth showing on the opening balance. I have been unable to work on this due to heath issues with major XXXX. Also I have a unauthorized charge from a hotel in XXXX XXXX that we never stayed at it was canceled and the charges it 2 weeks after we were supposed to stay ther that was never removed. I did call the bank before the charge took place and told them not to except the charge and the did anywAys. This put me over a lot and the accounting they re doing it deliberate. They know the amonts were not right and thats not legal. They will Just say sorry about the mistake and nothing to come out of it. I bet if you looked over my account and did a re accounting of it theres a lot of things! Im just not able to do in my condition. Now its on my credit report and they refuse to remove it or give me back my money they took or gave. their stealing from all of us. And I dont need this aggravation right now above all things. Can you help Me solve 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 monetary relief
Consumer complaint received 2019-08-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
don't recall allowing these companies to check my credit report, it was not authorized and therefore must be removed 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 2019-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: EVERBANK, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Received an offer from them via email earlier in the year for {$250.00} bonus with promo code XXXX, for opening an yield pledge checking account by XX/XX/XXXX and making a deposit for {$1000.00} and the bonus will be deposited within 120 days from account opening date. Since I already have/had a money market account with them for a while, at first I tried to open an account online but since there was no place in the application to enter the bonus code, I decided to apply via telephone and told her that I wanted to make sure that she enroll in this bonus offer XXXX XXXX XXXX. The person took all information and submitted the application but it seems it went pending for review and that I would hear back within 2 days. Since I did not hear back I called after 3 or 4 days and the person said the application has been approved and I again asked if bonus XXXX XXXX was applied and to my surprise the person said that she does not see the XXXX XXXX in my application but she was going to make sure that it was applied while I was on the phone and said she did that. I made the {$1000.00} deposit through employer account but until the end of XXXX had not seen the {$250.00} bonus posted to my account. So, I logged in to my account online and sent a message asking about this on XX/XX/XXXX. A week later I saw the status of the message as " read '' in the message center but no one has responded yet but this is not the first time where they read the message but do not respond. NOTE : When I have called them in the past especially during the application and later on during some account issues, I have had long long wait times and have even their voice recording mention wait times of XXXX minutes - so I welcome the person handling this complaint to reach by email so I can communicate with the person responding to this complaint directly and not by phone. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made the payment to Capital One on XXXX the XXXX from my bank account and it was applied on XXXX the XXXX and I was charged a late fee of {$38.00} on XX/XX/XXXX. The fee was reversed as I called an complained as I am never late. I attempted to make a payment today XX/XX/19 and was advised that the payment was {$130.00} as opposed to the {$94.00} that should the payment since there was a credit of {$38.00}. Instead I was advised that the payment could not be lowered since the cycle had passed and the statement went out already after the credit for the late fee. This sound crazy as XXXX and makes no sense. The payment should not be increased by the {$38.00} if the fee was reversed no matter if the billing cycle has passed or not. This is absurd, interest can't and should not be charged on the balanced based on the late fee, so why would my payment be based on the reversed late fee?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
After an escrow recalculation in XXXX of this year, I paid the shortage of {$2600.00} in full, however, I did not update my payment with the new amount that started in XXXX. So my XXXX payment was short approximately {$130.00}. Suntrust put my payment in an account and attempted to reach me via phone. They also sent a letter at the end of XXXX ( attached ) which I disregarded as instructed in the letter. The letter does not state that my payment was short, it in correctly stated that they did not receive my payment and if I sent it to disregard the letter. I knew that my payment was sent so I disregarded the letter. Because they did not properly notify me that my payment was short, my XXXX payment went out short {$130.00}. For 12 months prior to this point, I not only made my payment, but actually paid extra on principle, yet Suntrust says they did not know what to do with my payment so they sent it back in check form. They held on to my money, tied it up in a check, and then reported me 30 days past due to the credit bureaus. I only knew something was wrong because my score dropped XXXX points. I have disputed this directly with them, and through the 3 CRA, however Suntrust believes that this process is not only fair, but reporting me 30 dpd is a true reflection upon my risk to them and to other lending institutions even though they had more money of mine than I actually owed because of the shortage payment in full. In 30 years, I have never missed one payment and because of their system limitations and improper notification, I am not unable to say that any more. I have not talked to one person at that organization that has been the least bit helpful with this. I had one person tell me there was no one there that could help me with this. There is nothing logical about this practice and every time I try dispute this, they say it is resolved. It is not resolved, I have attached a recent letter that I received, the correspondence associated with this and the system notes from my account. They refused to provide me their written policies and procedures for reporting deliquent account when there is a short pay

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 2019-08-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a deletion request that was sent to each credit bureau from 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 non-monetary relief
Consumer complaint received 2019-08-14 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: EQUIFAX, INC.
State: NV

Complaint narrative:
CHAPTER XXXX BANKRUPTCY : BANKRUPTCY XXXX .. Bankruptcy doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: FL

Complaint narrative:
I received a deletion request that was sent to each credit bureau from 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 2019-08-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a deletion request that was sent to each credit bureau from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
CHAPTER XXXX BANKRUPTCY : BANKRUPTCY XXXX .. Bankruptcy doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information

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 2019-08-14 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: NV

Complaint narrative:
CHAPTER XXXX BANKRUPTCY : BANKRUPTCY XXXX .. Bankruptcy doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information

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 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
XXXX  XXXX XXXX/XXXX Last reported XX/XX/2019 TO ALL 3 CREDIT BUREAUS {$91000.00} Reported balance Please remove from my credit reports.its been an ongoing problem for almost seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
" Merchants Credit '' appears only on my XXXX credit score stating I have a delinquency on my account with an original balance of {$660.00} and a current balance of {$700.00}. I have never received any form of communication with merchant 's credit, and they do not return my calls.

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 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Acceptance Corp
State: WA

Complaint narrative:
Merchants Acceptance sued me for a debt that they can not prove is mine, and I was not contacted prior to doing so. They began garnishing my wages in XXXX of 2019 and after the garnishments went through I contacted them trying to establish that this was indeed my debt and they had no proof except my information. I requested copies of documents, contracts, my identification that was provided when this contract was initiated and they would not give me anything. Then after collecting almost {$1200.00} from me they stopped responding to my communications, and sued me again ; adding additional fees and making the balance more than what it was to begin with. Now, they are garnishing my wages for almost {$500.00} a paycheck, which began XX/XX/2019. I called and I was treated terribly. They continue to garnish my wages, add fees and additional charges. The debt is 7 years old and not mine. I have contacted them to try and work with them and they are deceiving and will not work with me. The continue to send the mail to the wrong address when I have provided them all of my contact information. I believe that they are illegally garnishing my wages and taking my money for a debt that is not mine. Not to mention, I was lied too and treated terribly by the legal advisor that I was in contact with. I believe this debt is not mine and they are also breaking the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
DEPT OF ED/XXXX  Last reported XX/XX/2019 TO ALL 3 CREDIT BUREAUS {$91000.00} Reported balance Please remove from my credit reports.its been an ongoing problem for almost seven years.

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 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX/XXXX Last reported XX/XX/2019 TO ALL 3 CREDIT BUREAUS {$91000.00} Reported balance Please remove from my credit reports.its been an ongoing problem for almost seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX  XXXX  XXXXT Last reported XX/XX/2019 TO ALL 3 CREDIT BUREAUS {$91000.00} Reported balance Please remove from my credit reports.its been an ongoing problem for almost seven years.

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 2019-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX 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