vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I was contacted by Medical Revenue Service about XXXX amounts allegedly owed by me to XXXX XXXX XXXX XXXX for services rendered in XXXX. After investigating the claim, I found that this alleged debt was the result of a clerical error on the part of my insurance company, XXXX. XXXX listed XXXX XXXX XXXX XXXX as a Tier XXXX provider when in fact it is a Tier XXXX provider. Since XXXX XXXX XXXX XXXX is a Tier XXXX provider, my sole responsibility was the payment of my co-pay, which all parties agree was paid. I know XXXX XXXX XXXX XXXX is a Tier XXXX service provider because XXXX paid them for other services rendered by that facility as a Tier XXXX  service provider, both in XXXX and in other years. 

On XX/XX/XXXX I contacted Medical Revenue Service and spoke to XXXX, and informed her here was a bona fide dispute as to the existence of this debt. XXXX told me that the alleged debt has been marked as challenged. The same day, I sent a written notice to Medical Revenue Service laying out these facts and confirming that there is a bona fide dispute as to the existence of this debt. However, today, XX/XX/XXXX, I received a XXXX letters from Medical Revenue Services still attempting to collect this debt, despite my verbal and written communications. 

I believe Medical Revenue Service has violated my legal rights by continuing to collect this non-existent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX of XXXX, I thought my XXXX XXXX XXXX XXXX card was lost and called to cancel it. XXXX offered me the option of a temporary Lock which I agreed to. I then found the card but forgot to reinstate it until several months later. 
When I called back, they asked me for a passcode, but the code I had written down did not work. They were unwilling to verify my identity by text or other methods. 

On XX/XX/XXXX, I called and spoke with XXXX. On XX/XX/XXXX I called XXXX and spoke with XXXX and XXXX. The first person could not grant me access to talk about my account saying my passcode was invalid, the second verified me by text, admitted someone had impersonated me and changed my address and passcode. He changed them back to correct passcode and address. And agreed to send me out a new card. 

However, once the card arrived and I tried to validate it for use, XXXX said " already verified ''. I called XXXX and between the time they sent a new card, and I received it, someone else charged over {$1000.00} at XXXX, a place I normally do business at. Having worked in banking for 25 years, I knew immediately that this is internal fraud at XXXX, yet they refuse to admit it. I then closed all my accounts with XXXX, XXXX bank accounts business and personal, and XXXX credit cards business and personal. They agreed the charges were fraudulent and the account was not in dispute. 

However, all during XXXX of XXXX I have been getting alerts from XXXX and other companies saying my credit score is declining, so I looked at my credit reports, and of course it says I owe over {$1000.00} on this credit card. But today, XXXX says the account is indeed closed and no monies are in dispute. Yet they continue to tarnish my stellar credit history. I spoke to XXXX people today at XXXX and no one is able to help me by providing me with a letter or some proof for the credit agencies that this account is closed and not in dispute. 

I have had no issues with all my new accounts at XXXX XXXX XXXX, and realize that XXXX has major security flaws, and I would never ever trust them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
Debt collector saying I owe my old apartment {$1800.00} of rent. Already paid all rent, and I sent Hunter Warfield ( debt collector ) the agreement signed by myself and the property XXXX indicating all rent due has been paid, asked them to supply their own proof of a debt owed and they could not, then they stopped communicating with me and it was reported to the major credit bureaus. This fake debt has negatively affected my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
IVE BEEN TRYING TO OPEN AN ACCOUNT AN I CANT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: NY

Complaint narrative:
I have paid the debt but it is still showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
On XX/XX/XXXX i called to see what was on my credit, I was told to pay XXXX before i could go any father, the agent would not let me off the phone with out payment or a payment date and card!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My new checking account was closed right after I opened it. Wells fargo and XXXX XXXX refused to give me the reason. But I new the reason when XXXX XXXX purposely put herself at the bank while I was opening my new account. She falsely called them saying I harassed her while i was minding my own business and the banker i was working with knew i wasn't harassing XXXX XXXX. The police didn't do anything to me either. Wells fargo for XXXX years didn't put in writing that why my account was closed because I was harassing XXXX XXXX. She was harassing me falsely accusing me and she kept getting away with it. Wells fargo finally admitted after XXXX years were up that it was because I was harassing XXXX XXXX which is why my account was closed. I had the original opened for XXXX  year until XX/XX/2015 when I couldn't log in to my online account. I was being set up by XXXX XXXX to pull what she did. 

They need to find someone who isn't in cahoots with XXXX and XXXX XXXX to investigate my complaint. Because if they had looked at the footage of the security cameras. It would show the time XXXX XXXX walked in and the time i walked in. I had no idea at the time she was at the bank. She got away with falsely accusing me once before she was going to do it again. 

When the police didn't do anything. She whined to XXXX XXXX who wrote me a nasty and hostile letter with saying XXXX at the top of the letter stating that wells fargo was exercising their rights to close my account. I was only to call on the phone to conduct any business. This was a violation of my civil rights! XXXX XXXX refused to investigate the security footage that I wasn't bothering or harassing XXXX XXXX. It would show that I was minding my own business talking to the banker helping me. This was dirty and criminal. Then someone at wells fargo said they don't handle domestic issues. Well, XXXX XXXX brought the domestic issue to harass me in the bank to slander I and my son to influence wells fargo to close my account. 

A lawyer told me I can sue for millions for the mental distress and breach of contract for them wrongfully closing my account since this was at the bank where XXXX XXXX continued to harass me. That makes wells fargo responsible for the actions and misconduct that she committed against me. XXXX XXXX is not in charge of my life of what I can or can not have but she is being allowed to treat me like she did.

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 2023-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Theft from a Chase Bank Account occurred and so far Chase Bank has been less than willing to correct the errors. The theft is in excess of {$69000.00}. 

The theft occurred against my brother 's bank account after his death on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In accordance to the fair credit reporting Act XXXX Account # XXXX has violated my rights. 

15 USC Section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 USC Section 604a In accordance with the written instructions of the consumer to whom it relates.

15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-03-18 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: GA

Complaint narrative:
In accordance with Fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 602a there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and partiality and a respect for the consumer 's right to privacy 15 USC 1681 604a section 2 subject to subsection c any consumer reporting agency May furnish a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates 15 USC 1681 section 281 reporting information with actual knowledge of errors of person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: IL

Complaint narrative:
I have a fraudulent inquiry on my credit file that I did not initiate or authorize with XXXX XXXX  XXXX. I do not have any personal credit cards with XXXX XXXX XXXXXXXX. I dont have any personal accounts with XXXX XXXXXXXX XXXX XXXX I am requesting proof that I applied for an account with my written signature. If proof this can not be provided within 30 days I need this unauthorized inquiry removed from My credit file. This is a violation of the fair credit reporting act. It violates US code 1681b permissible purposes of consumer reports

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 2023-03-18 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: National Credit Adjusters, LLC
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity Properties Inc.
State: GA

Complaint narrative:
I visited XXXX XXXX XXXX  once in XXXX of XXXX. I believe the date of service was XX/XX/XXXX. During my visit I was instructed to do some home care and was told I didnt need any follow up visits or further treatment. I received my bill and started to post on it. I made several payments and in XXXX of XXXX I called XXXX XXXX to pay my bill in full and paid the exact amount I was quoted over the phone and was advised my account was paid in full. Fast forward to XX/XX/XXXX I get a letter from a collection agency advising I owe an additional {$75.00}. This was strange considering I was told a year prior my account was paid in full and received no other bills or contact from XXXX XXXX. I called the business, the billing agency, and the collection agency and requested my account statements showing what I originally owed, what my insurance paid, and what I paid. A few weeks later I received what I believed to be my complete account statement showing what I asked for and insinuating that I still had a balance due of {$75.00}. Per the letter it asked me to provide cancel checks or a written explanation if I believe that I had already paid this amount. So very quickly I went through my emails, and printed off copies of my bank alerts showing that I made a minimum of three different debit card transactions in XXXX however only XXXX were accounted for on the statement. With third payment being accounted for the company would then owe me {$25.00}. I sent them a letter and the printouts. A few weeks later they sent me another letter and a completely new account statement with more charges and visits. I believe their book keeping has failed and they are just throwing statements together attempting to get me to pay what Ive already paid. I am refusing to pay anything further and would like them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: LA

Complaint narrative:
*See attached15 U.S.C 1681 section A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate

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 2023-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/2023, I noticed that Bank of America had started charging me a fee of {$12.00} a month. They charged a total of XXXX fees, for a total of {$84.00} dollars. I called the bank, and they confirmed that the fees had been charged in error. The bank refunded XXXX of the XXXX fees. However, they refused to refund more. I was informed there was no XXXX to speak with about this, no way to file an appeal, nothing to be done. Bank of America simple stole {$48.00} from me and will do nothing about 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 monetary relief
Consumer complaint received 2023-03-18 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-03-18 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: GA

Complaint narrative:
In accordance with Fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 602a there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and partiality and a respect for the consumer 's right to privacy 15 USC 1681 604a section 2 subject to subsection c any consumer reporting agency May furnish a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates 15 USC 1681 section 281 reporting information with actual knowledge of errors of person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate.

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 2023-03-18 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: GA

Complaint narrative:
In accordance with Fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 602a there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and partiality and a respect for the consumer 's right to privacy 15 USC 1681 604a section 2 subject to subsection c any consumer reporting agency May furnish a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates 15 USC 1681 section 281 reporting information with actual knowledge of errors of person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate.

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 2023-03-18 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: FL

Complaint narrative:
I supplied all three credit bureaus with proof from the XXXX XXXX XXXX verifying that the debt being reported by XXXX XXXX for XXXX XXXX XXXX in the amount of XXXX was not valid and should be removed and despite the written proof from the court showing a balance due in the amount of XXXX and that the eviction was dismissed and balance was XXXX. This item continues to be reported and is negatively affecting my credit. I have contacted the company for assistance and have not received a return call with a resolution. I am requesting that this item be removed as it is not valid or accurate. 

I submitted the proof of dismissal with a XXXX balance to XXXX, XXXX and Transunion on XX/XX/2023 and was advised that it was forwarded to the company for investigation and removal on XX/XX/2023 and today XX/XX/2023 the item has not been removed. Please see attached proof of dismissal with a XXXX Balance from the 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 non-monetary relief