vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: FL

Complaint narrative:
I was informed by XXXX XXXX that they were an authorized XXXX  provider in the XXXX XXXX XXXX XXXX XXXX  Plan. They were listed in the XXXX provider directory as well. I made an appointment for a XXXX XXXX, I paid XXXX XXXX {$140.00} for the procedure. They told me the balance was billed to XXXX. Several months later I received a bill for {$120.00} from XXXX XXXX. They told me XXXX did not pay them so I must pay more. XXXX XXXX informed me that they lied to me and that they were no longer in the plan when the procedure was performed. 
I feel this is a scam, I could have had the work done for {$100.00} at 3 other XXXX providers. 
They have turned this claim over to an agency that has messed up my credit with a phony collection claim. 
I do not have the funds to fight them. 

Thank You for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: AZ

Complaint narrative:
Conn 's installment Account Number XXXX Amount Due {$1800.00} Due Date XX/XX/2015 I 've paid and settled this account over a month ago. 
I was told that i would receive a letter stating that the account is paid and settled with a XXXX balance. 
I have not received the letter and my credit is still not updated. 
I am in the process of buying a home and this is the last condition in order for me to close on my loan. I have XXXX children and we are all living in a hotel room until Conn 's update my credit report or send the letter so I can provide that to my lender for a Rapid rescore.

I 've also disputed this account, after the account was settled Conn 's still reported that I owed $ 1,800+ on this account a few days ago. The dispute was closed and nothing was updated. I have called Conn 's more than 4 times a week for the last 6 weeks with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX 's installment Account Number XXXX Amount Due {$1800.00} Due Date XX/XX/2015 I 've paid and settled this account over a month ago. 
I was told that i would receive a letter stating that the account is paid and settled with a XXXX balance. 
I have not received the letter and my credit is still not updated. 
I am in the process of buying a home and this is the last condition in order for me to close on my loan. I have XXXX children and we are all living in a hotel room until XXXX 's update my credit report or send the letter so I can provide that to my lender for a Rapid rescore. 
I 've also disputed this account, after the account was settled XXXX 's still reported that I owed $ 1,800+ on this account a few days ago. The dispute was closed and nothing was updated. I have called XXXX 's more than 4 times a week for the last 6 weeks with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I have a TransferWise Borderless account to which I attempted to make 2 deposits in XXXX XXXX XXXX XXXX XXXX  via bank transfer. The deposits are as follows : # XXXX for XXXX XXXX # XXXX for XXXX XXXX Upon receipt of the money, TransferWise flagged the deposits as problematic. When I contacted their support team, they falsely claimed it was because those were " cash deposits '' which they do not accept. 

The attached bank receipts clearly demonstrate they are bank transfers, from a valid bank account at XXXX XXXX in XXXX and in my name, which they have already used to both make transfers from and deposit into. Despite me providing them with those receipts, as requested ( via email and their online document upload tool ), they refuse to hear my plea for a speedy resolution and credit my Borderless account. They still have the money, and the only resolution offered is for me to provide them with a " family or friend 's XXXX  bank account '' to which they would refund the deposits. Alternatively, just today, they offered me to refund them to the very XXXX XXXX account with which they claim they are unable to work " due to government regulations '', as they are a third party. 

These are clearly unfair business practices, and TransferWise 's refusal to credit my Borderless account is arbitrary and groundless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America reported fraud to my report on XXXX a few yrs ago. When I found out last summer XX/XX/XXXX I called BOA and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted XXXX to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with XXXX. So they obviously never investigated nor removed the fraud defamation.
I then reported this here about XXXX and they lied and the complaint was closed. BOA had a collection company call me on XX/XX/XXXX and still has never responded regarding the defamation of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
As a result of the Equifax data breach, many of those affected have been trying to implement credit freezes either online or through call centers, but have been unable to do so due to high volumes overwhelming the systems. I am one such person.
It is noteworthy that I have never asked any of the three credit reporting agencies to handle my private information, nor have I ever consented to them using my private data to use in their business to amass data and share with any institutions, financial or otherwise, that want this information for their marketing purposes. 

I find it outrageous that I have to pay for their errors. For all I know, their lax approach to keeping my data secure was intentional so that they can profit from our fears by offering their credit monitoring/ID theft protection products back to us. In fact, this should constitute a clear conflict of interest and I believe the FTC should look into breaking them up. 

However, in light of the lack of anything getting done, I ask that ALL THREE credit agencies be forced to offer free credit freezes at this point to all those that 'may have been ' affected by the recent breach. It behooves the government to intervene at this point, particularly as the social security numbers are in fact issued by the government and the agencies obtained them from the government - NOT the individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
As a result of the XXXX data breach, many of those affected have been trying to implement credit freezes either online or through call centers, but have been unable to do so due to high volumes overwhelming the systems. I am one such person.
It is noteworthy that I have never asked any of the three credit reporting agencies to handle my private information, nor have I ever consented to them using my private data to use in their business to amass data and share with any institutions, financial or otherwise, that want this information for their marketing purposes. 

I find it outrageous that I have to pay for their errors. For all I know, their lax approach to keeping my data secure was intentional so that they can profit from our fears by offering their credit monitoring/ID theft protection products back to us. In fact, this should constitute a clear conflict of interest and I believe the FTC should look into breaking them up. 

However, in light of the lack of anything getting done, I ask that ALL THREE credit agencies be forced to offer free credit freezes at this point to all those that 'may have been ' affected by the recent breach. It behooves the government to intervene at this point, particularly as the social security numbers are in fact issued by the government and the agencies obtained them from the government - NOT the individuals.

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 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
XXXX XXXX XXXX reported fraud to my report on chexsystems a few yrs ago. When I found out last summer XX/XX/XXXX I called XXXX and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted chexsystems to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with Chexsystems. So they obviously never investigated nor removed the fraud defamation. 

I then reported this here about chexsystems and they lied and the complaint was closed. XXXX had a collection company call me on XX/XX/XXXX and still has never responded regarding the defamation of fraud.

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 2017-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: MO

Complaint narrative:
My original creditor was XXXX credit card. They sent the debt to collections, Cavalry spv, I, L.L.C.,  a corporation ; they hired XXXX XXXX XXXX, who served me with court papers, suing me. I called XXXX XXXX XXXX and settled on {$650.00} to be paid before the XX/XX/XXXX court date. I paid {$400.00} by personal money order bought at my bank, XXXX XXXX XXXX on XX/XX/XXXX and mailed to XXXX XXXX XXXX. They received it XX/XX/XXXX. On XX/XX/XXXX, I bought another money order in the amount of {$250.00} and mailed it to XXXX XXXX XXXX. They received it XX/XX/XXXX. I called XXXX XXXX XXXX to make sure they received the last money order. I asked if that settled the law suit and the law suit would be dismissed. The individual I spoke with said that yes, it would be dismissed. Today, XX/XX/XXXX, I received notice from the XXXX County Circuit Clerk that I am still being sued by cavalry spv and for the same case and the new court date is XX/XX/XXXX.  XXXX XXXX XXXX records their phone calls. I need help. They lied to me. I am still going to be sued. I 've called XXXX XXXX XXXX many times this evening and left messages. They have not returned my calls. They have late evening hours. I do n't know what to do. They lied. I have no more money. I lost my second job. I ca n't pay anymore. 
What can I do? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: US MORTGAGE CORPORATION
State: GA

Complaint narrative:
Contract on Property XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Ga XXXX Mortgage thru US Mortgage - XXXX XXXX XXXX for {$210000.00} 1 % earnest money put down on the property {$2000.00} XXXX XXXX XXXX told my real estate agent on XXXX XXXX, XXXX that XXXX XXXX looks great for the loan and he could close it in 20 days. This is after my agent XXXX XXXX went back to the other agent XXXX XXXX because we had originally asked for 30 days and the seller asked for 20 days hence asking the mortgage broker and he stated 20 day as you can clearly see on the Contract. 
The property in question is XXXX XXXX XXXX XXXX Ga is my rental property. The first time I put a prop under contract XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX stated he could not do because he thought it was an FHA on it, when it was a XXXXl. So XXXX stated I was good to go with the XXXX XXXX property. 
as you can see Documents were asked for and provided in a timely fashion but 3 days before closing XXXX XXXX, XXXX and days after the contingency expired i get a call from XXXX asking to get on a call from XXXX XXXX to authorize her to check payment history and balance. If this info was asked for from XXXX XXXX within the first 3 weeks of the contract and not 2 days before closing I would not have lost my {$2000.00} earnest money because US Mortgage would have found out I was late more than 2x what FHA rules are.I have asked US Mortgage for the {$2000.00} back due to their negligence. 

All this info stated above will the documents supporting everything claimed attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax is not offering the identity theft protection for minors, this is n't right. 

This complaint is regarding the recently revealed Equifax data breach. In response Equifax is advertising " We are also offering free identity theft protection and credit file monitoring to all U.S. consumers, even if you are not impacted by this incident. ". I went to https : //www.equifaxsecurity2017.com/ and entered last names and last 6 digits of social for myself, wife, and 3 kids, the instruction came back and requested to enroll at a later date. I came back on the date stated and enrolled my wife and I but was gated from enrolling my kids, stating the person had to be older than 18 years old. This is n't right, the kids data is apparently on the sight, and the offer was to all US consumers, but the kids are not included. 
I called the Equifax call center number XXXX on XXXX XXXX, 2107, was offered no useful assistance, and was not provided with any type of contact information to appeal the issue farther up the chain of command. I was told I could " XXXX '' the contact info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: FL

Complaint narrative:
Equifax has had a security breech as far as allowing a hacker to access all of my personal information. This violates my rights. Also this can cause a civil lawsuit. I was told that my information was one of the ones to be stolen or given away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I got a call from a company called XXXX XXXX XXXX ( Fidelity Capital Holdings ). They claimed I owed over {$1000.00} to 2 doctors. They had personal information about me but I did not owe the doctors any money. I called the hospital the doctors are associated with and they told me I did not owe any debt or have any open accounts there. I tried talking to the company to find out more information about the debt but they were extremely rude and unprofessional. They were abusive and would not give me straight answers. I asked for their profesional license number to find out if they were a legit company and they refused. They hung up on me and told me to XXXX it. When I asked them if they were real they would not answer me. I barely got any information about the debt. They did n't even want to spell the name of the doctors for me. one woman I spoke to could not speak English so I told her to speak to me in XXXX and she did at first but then would go back to English. Her enlglish was  incomprehensible and her XXXX was extremely fluent but she refused to communicate with me in XXXX. Every employee was aggressive and abusive. They would not let me talk and they would not answer my questions. I was simply returning a voicemail I received in which they identified themselves, asked for me and said that they were calling to collect a debt. From what I know about the law when it comes to collections, a voicemail is a third party and a collection agency is n't allowed to disclose or attempt to collect a debt on voicemail. They were horrible and I believe they are a scam. From reviews I read online I saw people claiming they have paid this company and did not receive any receipts or proof of payment. I want to prove this company as a scam so more innocent people are n't effected by these abusers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: EQUIFAX, INC.
State: WV

Complaint narrative:
With the security breach of Equifax, i will not sign up for their year protection due to the clause in the fine print. I want answers from Equifax instead of 'we are sorry '.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: FL

Complaint narrative:
Equifax refuses to correct the information on my credit report that shows that a credit card debt is charged off when in reality this was paid in full. I have asked Equifax multiple times in 2017 to contact the creditor, XXXX XXXX XXXX in XXXX, Florida to confirm that the credit card was paid in full yet they refuse to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
The debt was included in bankruptcy case # XXXX. 
Contacted original creditor about debt and it was settled however a new collection agency is now reporting the debt.

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 2017-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: GA

Complaint narrative:
While trying to obtain a mortgage, I discovered that my credit score had decreased from over 800 to less than 660. Upon further investigation, I was informed that a Discover Card was listed as delinquent on my account. The account, evidently, belonged to my former wife from whom I have been divorced for well over 3 years. She XXXX XXXX in XX/XX/2017. I have requested documentation showing proof I am the responsible party. I have spoken with Discover for several hours over more than 6 separate calls. They have supposedly closed the account and filed a claim that the account is fraudulent. They have not corrected the credit reporting and they are calling me about the collection of the account. I request that the reporting be updated immediately showing no delinquent activity and no responsibility for the account or I request proof that I signed as responsible for the account. This error is costing me thousands of dollars in finance charges because of the negative credit reporting. I have asked to pay the past due balance to help alleviate the issue of the negative reporting on my credit bureau account and Discover has stated on XX/XX/15 at XXXX XXXX via XXXX that I am not allowed to make a payment on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
After the recent XXXX data breach, I tried to place a security freeze on my report at Experian. I was able to do so at XXXX and XXXX with sub-5-minute ease, but both the online and phone avenues at Experian proved to be dead ends, demanding documentation be mailed to the much in excess of the other two credit reporting companies. I could find no number to contact a human at Experian, and find the suggestion of contacting them by mail disingenuous, considering time may be of utmost importance in a fraud situation. A quick XXXX search reveals there are many encountering this problem. Experian needs to quickly simplify the process of online and phone credit freezes along the lines of the other two organizations.

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