vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management
State: AZ

Complaint narrative:
I was in a car accident XX/XX/XXXX and was treated at XXXX XXXX XXXX hospital in XXXX, TN. One of the providers was XXXX XXXX XXXX XXXX, who billed the incorrect insurance for their services. I received a billing statement dated XX/XX/XXXX stating that I owed {$43.00} and I immediately noticed that the insurance company showing as primary was incorrect. 

I contacted XXXX XXXX XX/XX/XXXX and spoke with XXXX who stated she would rebill the correct primary insurance and remove the incorrect one. I checked back with her on XX/XX/XXXX as I had now received a {$43.00} bill from XXXX XXXX XXXX. She told me she would remove me from collections and resubmit again for payment with XXXX XXXX. I updated my address with her and XXXX told me to check back in 30 days. 

I called back on XX/XX/XXXX and spoke with XXXX who stated that the claim had been denied. I proceeded to call XXXX XXXX that same morning and spoke with an agent named XXXX who told me that there was no claim ever filed on XX/XX/XXXX for {$210.00}, which was the amount that XXXX stated. I, once again, called back XXXX XXXX and spoke with a supervisor ( XXXX ) and asked her to remove me from collections, provide proof and I would pay the {$43.00} upon proof. She told me the process would take about 3 weeks. 

Today, XX/XX/XXXX, I called and asked for XXXX, who was not available, and spoke with another supervisor ( XXXX ), who was extremely rude. She stated that the collection agency would NOT recall the collection and that the claim had been denied. She gave me a claim # XXXX and told me to contact XXXX XXXX again. 

I spoke with a wonderful rep at XXXX XXXX, XXXX, who helped me through the many calls that followed this morning. She stated that the claim number given to me by the supervisor at XXXX XXXX was not one of XXXX XXXX claim numbers. We conferenced in XXXX and XXXX advised her that the claim # was not valid. She referred us to the person who denied the claim from the local XXXX XXXX office ( XXXX XXXX - XXXX ). We called that number and it was a wrong #. 

XXXX from XXXX XXXX then got in touch with someone from the local TN XXXX XXXX office that gave her a phone number for the " Plan to Plan '' office, however, I could not be a part of the call, so I had to be on hold. 

XXXX was advised that all the claims that XXXX XXXX sent were to the incorrect insurance carrier ( XXXX ) which I repeatedly told them was incorrect. 

XXXX will be calling me back on or around XX/XX/XXXX to advise me if the claim has been sent to her office for processing. 

I want XXXX XXXX held responsible for the numerous times that they dropped the ball here, resulting in the account sent to collections.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
I apparently signed a document authorizing you to run my credit in error. I naively assumed the " consumer report '' you would be running would be thru a company like XXXX, as this is a payday loan involving a check as collateral and not an actual line of credit. I was surprised and upset to find it was actually a credit check ran thru XXXX. The build up of your hard inquiries has caused a dip in my XXXX of about 25-30 points. Causing it to be lower than my XXXX and XXXX scores which I've worked hard to build up. I know for a fact that I've received payday loans from your company in the past " in store '' and no credit report was ran. Is your policy different in store than online? At most I would expect a soft inquiry to be ran. Not a hard inquiry. Payday loan companies lure customers stating this is a loan that will " not '' affect our credit. But when you run hard inquiries every time we re-loan that DOES affect our credit negatively. I would ask that you kindly revise the inquires in question to " soft inquiries '' with the credit bureau so as to remove the negative impact to my credit scoring. Is that possible? I have been a repeat customer of yours over the years. But if this issue can not be resolved by revising inquiries to soft inquiries I will not be using you in the future. There are many pay day loan companies that do not run a credit check at all. I do not understand why your policy would be any different for the same product. The inquiries in question are dated below : Check Into C Inquiry from XX/XX/2018 Check Into C Inquiry from XX/XX/2018 Check Into C Inquiry from XX/XX/2018 Check Into C Inquiry from XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
between XX/XX/XXXX till XX/XX/XXXX wells fargo fed the credit reporting agencies false information about my actual credit status

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 2018-10-24 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: IN

Complaint narrative:
I recently discovered unauthorized inquiries on my credit reports from credit cards and banks XXXX  has 6 of them screening reports, XXXX, XXXX XXXX, XXXX   XXXX XXXX has 3 inquiries XXXX XXXX, XXXX  XXXX, and XXXX  XXXX, Experian has XXXX XXXX and XXXX XXXX. I have contacted each bureau and advised them of the note on my credit report and how it says to not run me if they haven't called and verified me and they say its nothing they can do about it. They are no help, I want these inquiries to stop and to be removed

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 2018-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX , XXXX. located in XXXX XXXX, MN claims that I owe a debt of {$1100.00} and that the original debtor was XXXX. I sent the initial letter disputing the debt on XX/XX/2018. XXXX XXXX replied claiming that the debt was " verified '' however, they have failed to provide competent evidence BEARING MY SIGNATURE, showing that I have ( or ever had ) some contractual obligation to pay them. This is a violation of FCRA & FDCPA. If a company is unable to validate the debt, it must be requested by the credit bureaus that the entry be removed. 
On XX/XX/2018, I sent a second letter to XXXX XXXX requesting, yet again, a contract bearing my signature as proof that I have a legally binding contractual obligation to pay them. XXXX XXXX responded with an itemized statement rather than my signature on a contract. I requested for them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I may inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they must be aware that a printout of a bill or itemized document does NOT constitute verification. 
I am a victim of identity theft, and I am simply requesting proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 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: NH

Complaint narrative:
Direct dispute was used through XXXX for Transunion. Multiple accounts were requested to be reviewed for accuracy. Specifically, XXXX XXXX XXXX combined 2 credit cards debt into 1 account. Transunion has not responded to the dispute request or responded to subsequent mailed requests for updates on XX/XX/XXXX, and XX/XX/XXXX. I tried the online option for the 3rd time today and the system is " having technical difficulties. '' At this point, Transunion is intentionally dodging my dispute.

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 2018-10-24 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: NY

Complaint narrative:
In XX/XX/2018 XXXX XXXX ( XXXX, Texas. XXXX ) has us marked as a late payment. This payment was not late in XX/XX/2018. There was a 3 party call with my bank and XXXX. The late payment in XX/XX/2018 was supposed to be removed from all 3 credit reports for myself and my spouse.

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 2018-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XX/XX/2018 XXXX XXXX ( XXXX, Texas. XXXX ) has us marked as a late payment. This payment was not late in XX/XX/2018. There was a 3 party call with my bank and XXXX. The late payment in XX/XX/2018 was supposed to be removed from all 3 credit reports for myself and my spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
While checking out online at both Walmart, com, and XXXX, XXXX I got offers for their cards. Nowhere within this offering does it name XXXX XXXX- yet they are the ones my application was sent to. 

1. They send a " letter '' : through a portal in your email- I had different computers and operating systems and neither could open this format- couldn't find any program that could. So I called them ( this was very difficult to reach them their overseas staff was unable to give the location of the main office nor any contact number- this was Walmart `` turn down ''. 

2. When I finally located them and asked why I was turned down- they were unable to disclose this information but did finally send a letter to my new address- after much proving who I was. The letter was nondescript and too general to pinpoint the reason for turn down. I know late pays were not the cause, and I know my credit FICO was @ XXXX. Maybe too short of a time credit history? 

3. After much demanding XXXX searching I contacted the person at the " Bank '' who sent me the turn down. I asked what the exact reason was ( this damages your credit! ) I was told that Walmart gives us the specifications and she was not at liberty to tell me. 
In other words there is room for discrimination w/o explanation. 

1.XXXX  fast forward another year credit score near 700 no late pays and checking out with XXXX, applied for credit with that basket of merchandise..Guess who XXXX XXXX and another turn down . Again I had to access a portal and the file was not known so I could not open - Now a XXXX XXXX computer! I did not bother with the stress of calling over the globe ... Only to be given general answers- such as late pays, low credit score, or maybe length of credit? And another ding in my credit courtesy of XXXX XXXX - but now I have a full 3 years of no late pays and XXXX score and I can not imagine.. 

If you allow credit card issuers to be general in individual turn downs then we will not know the parameters we are shooting for and we will be damaging the credit we worked so hard to build. Also it leaves room for discrimination.. 

Cross reference this complaint with my earlier complaint highlighting the credit freeze and ID theft that I did not place on my credit report?

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 2018-10-24 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: TX

Complaint narrative:
XXXX Inquiry XX/XX/2018 - Transunion and XXXX is reporting - This was an unauthorized inquiry 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 2018-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
i do not know this company and they are very rude and unprofessional. Please stop calling me for a debt i do not have

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: FL

Complaint narrative:
I called Equifax gave them all my personal information. It seemed to me the representative was writing down the information or keeping it somehow. I am concerned that the person on the phone kept all my details and could lead to identity theft. After giving them SS #, address and other verifying information she ( XXXX ) told me that I didn't pass the verification. It seemed like a total scam! I was trying to report a small incorrect detail on my report but I didn't even get to the dispute since the Rep 's judgement was that I didn't pass the verification! After all the information I gave her! I think she must have kept it all to use it for her benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: MD

Complaint narrative:
OPTIMUM OUTCOMES, INC/XXXX  XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX   Tel:XXXX CEASE AND DESIST is cancelled and I need immediate answer to the derogatory report of medical report on my credit. Optimum Claimed XXXX XXXX XXXX is a medical center. 
I am requesting for my signatures on the four medical bills you said I owed the XXXX XXXX XXXX. If you don't have any itemize bills and signatures, you need to remove the derogatory reports you posed on the XXXX, XXXX  and XXXX. 

You have denied to speak to me or send information to me. Now you can talk to me. 

I never received any documentation before you posted derogatory reports on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: United Revenue Corporation
State: TX

Complaint narrative:
I have previously disputed with United Revenue Corp. regarding derogatory entries they inserted on my credit reports without providing me a dunning letter or any other notification that they were attempting to collect a debt. To that end, I submitted my second formal dispute to them ( see attached return receipt ). I specifically requested that United Revenue Corp validate the debt and not verification of address in my first dispute and in my second dispute I specifically requested them to provide a copy of the signature of the alleged service provider to release my medical information to them and too for them to cease any credit bureau reporting until the debt had been validated by me. I had previously respectfully requested a full detailed report of the account they were alleging a debt was owed as well as an agreement that stated they had authority to collect on the alleged debt, agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, original delinquency date, complete accounting of alleged debt, verification that this debt was assigned or sold to collector. 

United Revenue failed to provide any documentation to substantiate this debt. They have only sent a mere summary that is on their letterhead and provides nothing of substance. Sending a mere statement on their letterhead does not suffice. The charges are not itemized and provide no explanation or justification. In their letter dated XX/XX/18, ( see attached ), United Revenue states that no inaccuracies were identified as a result of their investigation. This could not be further from the truth. I have never had a contract nor any agreement with this company and they are reporting terms of 1 month on my credit report. On each bureau report, they are reporting a different payment history as well as a different opening date for this alleged account. THESE ARE INACCURACIES AND THEY CONTINUE TO REPORT THEM AS WELL AND THIS IS A VIOLATION OF MY RIGHTS. I have been very detailed and specific in my requests as well as my disputes with them. As stated in the aforementioned paragraph. These entries must be removed from my reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXXXXXX ( XXXX ) transferred my loan to Carrington Mortgage  XX/XX/2018 ; however, when I contacted Carrington the new mortgage company to inquire about the increase in my mortgage payment. I was told XXXX   didnt transfer any loan documents to them and if I had a dispute I had to provide them with documents to support my claim. I disagree with their response. Carrington should have my mortgage history along with the deed of trust if Im responsible to make monthly mortgage payment to Carrington. I want to have legal documentation that the loan transfer is valid and they are the new lien holder of my mortgage. My loan has increased {$200.00} more than the original loan agreement. I struggled with the original loan amount ; therefore this increase is burdensome and unreasonable. Any assistance is greatly appreciated. 

XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
I spoke with a representative at Ad Astra about planning to make a payment of {$50.00} a month and was told that my payment wasn't enough. The representative was really rude and disrespectful. I failed to get the name of the representative. The company call me a lot and recently when I pick up the phone they hang up in my face. I am attempting to work out a payment plan with the company however my attempts have been unsuccessful. I am not negating my responsibility- I just experienced a financial hardship which caused me to get behind on my payment. The company calls me excessively from XXXX but fails to work with me with me yet harrasses me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
my Kohls payment was due of XX/XX/XXXX. which i always pay on the beginning of the month before due. im on social security and get paid once a month. i apparenty forgot to pay last month. they called me two days after due. i said i was a customer and paid on time for 10 years. they said they would waive the fee. well on the XX/XX/XXXX i paid my bill plus the amt. they had agreed to take out on the XX/XX/XXXXXXXX i called three times to make sure iwas up to date and they assured me everything was ok. i said on my online statement it say i owe XXXX on XX/XX/XXXX and they said i have to wait till the next billing cycle to have that corrected. Well i checked my online account. and apparently i am at the same place as i was last month. now they tell me i am in collections and owe XXXX which is not accururate. i talked to three agents on the phone and got the most stupid explanations. im not paying them anymore than i owe them. i asked to talk to a supervisor.. but i think they just passed the phone to one of their friends. my daughter works in customer service and says they do that frequently. well im disgusted it may not seem like a lot of money to some but to seniors on a budget it is huge. i discontinued my account. and told them i would go to the XXXX. im not sure where to take this. but they cant get away with this. please advise me to my next step.

Company response to consumer: Closed with non-monetary relief