vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX and I am currently mobilized with the XXXX XXXX. I'm updating my security clearance and a collection charge of {$950.00} dated XX/XX/18 shows in my credit reports. The agency handling the case is National Recovery located at XXXX XXXX XXXX, XXXX PA XXXX, PH # XXXX. Apparently is for dental services performed by XXXX XXXX located in XXXX XXXX XXXX XXXX in XXXX PA XXXX, PH # XXXX. There is no accuunt number. The issue is that I never in my life been in XXXX XXXX for any dental services. I contacted both XXXX and National recovery to resolve this problem. XXXX responded that they will take care of the problem. However, when I contacted National recovery to inform of the problem and have it corrected, the service was unprofessional. The lady who responded " do what you have to do '' on the phone, and hung up on me. She did not even give the chance to ask for her name and/or explain that due to my military status I was overseas and do not easily have access to a phone. So happens that my ship is stuck in port due to bad weather and I was able to get internet access to file this complain. 
As a military member, it is important that this error is corrected right away for my security clearance, therefore, I am requesting your assistance to get it resolved. I do not know when I will have access to a phone and/or the internet again, but my email address is XXXX. 

Your prompt help will be greatly appreciated 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 2019-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a settlement check that I received from my lawyer, I deposited it into my account and it was being held for 12 days. But the lady told me to call customer service to see about moving it faster, to which I was transferred to the fraud department, who advised me that they could not verify my check, they could not call the other bank, they could not call my lawyer, they could not call the settlement company and they could not call the check verification company all because there was not a call in verification number in there system. And now they are threatening to close my account to end ties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TH Professional & Medical Collections LTD
State: IL

Complaint narrative:
I called TH PROF MEDICAL COLLECTN OF XXXX to pay {$79.00} debt. Then they tried to say I had over {$2500.00} in debt. I asked them to prove my debt by telling me what it is and mail it to me. Then they said they forgave my debt, removed it and only charged me {$79.00}. This XXXX said my debt has been erased and they gave me back all of the {$250.00}. Well, I called my bank and they said they took all XXXX! I asked XXXX again from this so called debt agency to mail me a copy of all my debt I owed. She asked why did I need it, if they dropped all of it? She put me on hold and never came back. I recorded the WHOLE. Conversations! I let her know that, she started freaking out my doctors office, XXXX, the XXXX that this bill Supposedly came from, they said is not real. They said I do not owe any money because of the fact I have Medicaid and they dont charge anything. The XXXX want to see copies of what I/ supposedly came from, they said it is not real. They said I do not owe any money because of the fact I have Medicaid and they dont charge anything. The XXXX went to see copies of what I owe. I told her this. She would not comply. I have proof they put a false {$79.00} charge on my credit! They tried to get me to call this fake number - XXXX, this is NOT XXXX XXXX XXXX XXXX its a XXXX number. I called the real number and they saw I am a patient, but I owe NOTHING! They said I need to report this fraud! Why offer to drop my debt and give my money back, if I really owed money?!? They put this on my credit report, making it drop over 45 points on purpose. By making it XXXX hoping I would pay it, but can not provide my bill because there is no bill. This needs to be taken on my credit report. Its a scam! 
This happened today. They put it on my credit report XXXX XXXX. Saying its from 4years 10 months ago. ( Not possible to have XXXX in charges, Illinois Medicaid does not charge a deductible ) XXXX said they gave back the money, but XXXX said the stole it. 
I have her recorded on video, it shows her number, me calling and her saying shes taking this debt off my credit report and giving the XXXX all back. I can play it to anyone that wants to hear it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I was reviewing my credit report and i paid the collection account for {$140.00} with XXXX XXXX XXXX XXXX and Kings Credit Service has verified that, i have the call recorded. Yet it still shows as a debt on my XXXX credit report. When i went to see them in XXXX, the VP of operations told me that they report to the bureaus on the XXXX of each month. She assured me that it would be correct by XX/XX/XXXX. I checked in XXXX it was still there. I called tonight ( XX/XX/XXXX ) to ask why do i still owe and they said that i didn't owe anything. If they are going to be diligent with regards to reporting debts, they should be as diligent with removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: NH

Complaint narrative:
I XXXX XXXX, have already tried to correct my credit bureaus where the attached posts on credit shows that I was not removed as a authorized user. On each of these posts it shows that I was only an authorized user. I was at no time a responsible party in the use of these credit cards. I was added only as a means of helping me to rebuild my credit. Now the responsible party has defaulted on his obligations, I believe that it is in my best interest to come off of these accounts as an authorized user, and to have these accounts removed from all of my credit bureaus immediately. These trade lines need to be removed immediately!!!

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 2019-02-05 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: SC

Complaint narrative:
Equifax Information Services LLC. is incorrectly reporting my father 's bankruptcy on my credit report. My father and I share the same name, except I use the XXXX suffix. My father does not use a suffix. My father filed for Chapter XXXX Bankruptcy in XX/XX/2016 and Equifax has incorrectly assigned the Public Record to my credit report. I have never filed bankruptcy and this credit reporting agency is incorrectly providing slanderous information to lenders and I am unable to buy a car, buy a home, or receive any lines of credit because of this incorrectly reported bankruptcy. 

I have filed multiple disputes with Equifax. By phone, by fax, and by Certified Mail. Equifax has taken no action to rectify the information on my credit report. 

They are incorrectly reporting my father 's bankruptcy, incorrectly excluding the XXXX suffix from my name, and incorrectly assigning my father 's address as a previous address on my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Complaint # 1 : On XX/XX/19 I pulled up to a Suntrust Branch Drive Thru and inserted my Suntrust Business ATM Card, I entered my Pin # and proceeded to prepare to make a cash deposit to my account. After physically depositing the cash into the ATM, and hearing the ATM count and scan my cash it asked me which account I would like to deposit this to and I hit the button for my main Business Checking account, the machine began to count my money again and then I received a message that my transaction could not be completed at this time and that the ATM would NOT be returning my deposited cash. I proceeded to call customer service, and of course they were closed. I called first thing in the morning and was not offered any solutions at all, and I was told I would have to wait several weeks for this to be resolved. I was further told that my account would be monitored and that if any checks were presented to Suntrust for payment that they would be PAID while I was awaiting credit for my cash deposit Additionally 3 checks have been returned as NOT PAID AND OVERDRAWN, this is crazy ST would do this ... and now they are refusing to charge me the > {$100.00} overdraft fees that they charged me as well as the over {$300.00} in fees that I am being charged by the party that I gave these checks to. 


Complaint # 2 : On XX/XX/19 I went into a Suntrust branch and informed the teller that I would like too cash a check that was drawn on Suntrust and would then like to deposit the cash into my business account. I do this every single month. So from a {$7200.00} check, I presented 2 forms of ID and signed the back of the check and requested {$250.00} in cash back to me and then completed a deposit ticket to deposit {$7000.00} in cash to my business checking account. I received a receipt that shows that I made a deposit for {$7000.00}. I then proceeded to give my employees their payroll checks, and then when checking my bank account online I noticed that my deposit did not post to my account. I have been on the phone with Suntrust Business Customer Service for over 3 hours and they are refusing to escalate this call to management and have told me that I have to wait for the check to clear. This is crazy as this is my $ and my deposit and I do not have access to my funds, and there is nothing that they can do for me. So now the payroll checks the I have handed out will be most likely be returned as OVERDRAWN.

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 2019-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I call Toyota Corp and they told me at one point the dept that I owe was XXXX, they will settle my account with me for half the amount that was owed. And when I was able to pay my dept. I had reached out and they told me that the dept has been forwarded to a collection agency. The collection agency then said I owe over 15,000.  I told them that the account amount was incorrect and I have proof, which is XXXX a letter from Toyota stating what I owed. they then told me to send them a picture of the letter that I had. ( Which I did ) they then call me back after two days saying that the vehicle has not been sold for the amount that they where looking for that is why the dept went to XXXX I then made arrangements with the collection agency to settle the matter and have it deleted from my credit report. And once they receive the funds. I received a letter from the collection agency, saying the dept was satisfied. But the dept was not deleted from my report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had spoken to JP Morgan chase mortgage department about removing of pmi as well as escrow for taxes and insurance on XX/XX/XXXX. I was told that I met the requirements to remove pmi and subsequently the requirement for escrow. Around XX/XX/XXXX I received a letter stating that I need to have an appraisal done to remove pmi, which I had completed in XXXX of XXXX, this was due to the representative on the XXXX not properly filling out the pmi removal request. The representative from mid XXXX assured me that they would take off the pmi as well as escrow requirement before my XX/XX/XXXX payment. On XX/XX/XXXX I was charged for pmi though I was told I met the requirement to have it removed and so I called JP Morgan Chase to resolve the issue. The representative stated that this was normal though on XX/XX/XXXX I was sent a letter by JP Morgan Chase stating that I would no longer have to pay pmi after XX/XX/XXXX. I was then sent a letter on XX/XX/XXXX stating that my escrow account would not be closed until XX/XX/XXXX though I was assured by previous representatives that it would be prior to XX/XX/XXXX. On XX/XX/XXXX I was charged for the escrow and as of XX/XX/XXXX JP Morgan Chase increased the escrow requirement though it was suppose to be closed. I have recordings of every conversation that I have had with JP Morgan Chase regarding this matter if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
both credit bueros and creditor are claiming that they have not reported or see any remarks on file indicating AID, Which is now on a adverse account negatively against me. I have had fraudulent charges reacurring monthly dated back since XX/XX/XXXX.remarked added XX/XX/XXXX - XX/XX/XXXX and removed XX/XX/XXXX XXXX claims no such remark is showing on file but recent report from XXXX sent out XX/XX/XXXX from them is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NH

Complaint narrative:
I XXXX XXXX, have already tried to correct my credit bureaus where the attached posts on credit shows that I was not removed as a authorized user. On each of these posts it shows that I was only an authorized user. I was at no time a responsible party in the use of these credit cards. I was added only as a means of helping me to rebuild my credit. Now the responsible party has defaulted on his obligations, I believe that it is in my best interest to come off of these accounts as an authorized user, and to have these accounts removed from all of my credit bureaus immediately. These trade lines need to be removed immediately!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I received numerous phone calls from Portfolio Recovery Associates, LLC through day and night to my new telephone XXXX that I received from my cable company. I notified Portfolio Recovery that I am the wrong person that they are trying to collect the debt from. I asked them to remove the number from database multiple times and Portfolio Recovery refuse to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: MI

Complaint narrative:
Is regarding account # XXXX, which you claim Such as I owe {$70.00}. they put negative marks on my credit reports. Without verification of my signature.

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 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revenue Cycle Management Corp
State: NH

Complaint narrative:
I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
both credit bueros and creditor are claiming that they have not reported or see any remarks on file indicating XXXX, Which is now on a adverse account negatively against me. I have had fraudulent charges reacurring monthly dated back since XX/XX/XXXX.remarked added XX/XX/XXXX - XX/XX/XXXX and removed XX/XX/XXXX transunion claims no such remark is showing on file but recent report from transunion sent out XX/XX/XXXX from them is not 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 explanation
Consumer complaint received 2019-02-05 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: NH

Complaint narrative:
I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, Equifax and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.

Company response to consumer: Closed with explanation