vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The collections company below has reported to the credit bureau a medical debt that was already paid. 
This is a scam and it was also reported on the credit bureau of some of my family members. 
The way they get away with this scam is by claiming that an XXXX XXXX XXXX group was never paid and sent the bill to them, however after extensive research I learned that the name they are using as original creditor ( in my case is XXXX XXXX XXXX ) was bought by a different company called XXXX and they do not have any records of my as owing any debt to XXXX since it was all paid in full.When consumers try to reach out to the doctors they bump into this problem and there is no way to get a receipt of payment because XXXX XXXX  XXXX no longer exist.I have seen in different online blogs that this technique is use in other States as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: MI

Complaint narrative:
Account ending in XXXX was opened in XXXX or XXXX of XXXX as a secured account with USBANK with a starting deposit of {$500.00} with my credit score being a XXXX. When applying for this account I was told if I made my first 12 payments on time that I would get my security deposit back. 

In XXXX of XXXX I had extreme issues with customer service which was escalated all the way to the office of the Vice President, which were never resolved and are only related since this is a retaliatory refusal to refund. 

In XXXX of XXXX I requested my security deposit back, at the time of the request I had a 100 % payment history with the account and on my credit score had jumped up up to XXXX. I was showing a low credit utilization, had increased my annual income by over {$20000.00} a year, and everything was looking great. They denied it. 

I decided to buckle down another 12 months since when I initially applied my credit was so low. In XXXX of XXXX I once again requested my security deposit back. At the time of request I had a credit score of XXXX, low credit utilization, and 100 % payment history with all accounts. My debt has gone down significantly, and I now make 5x what I was making when I put this deposit down. 

I have had this looked at by both employees of USBank and of other banks and lending institutions. The employees of USBank made it clear they have never seen a case like this before, and hinted at some notes on my file that were the actual cause of it not being refunded. The employees of other lending institutions said that USBank is abusing the design of a secured card and recommended that I make a complaint here. 

Before it is asked, I was given the option of paying it off in full, then driving to my nearest branch ( 200mi away ) to get my deposit back, it can only be done in person. I allowed USBank to hold my money without reasonable interest with an understanding that I would get this deposit back after 12 months if I held my end of the bargain, its been over 24 months, and Ive held my end, I expect them to hold theirs

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 2019-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting for XXXX XXXX a debt amount of {$1500.00} from 2016 on my current XXXX report. This is false because my explanation of benefits sent to me by XXXX XXXX XXXX XXXX XXXX XXXX in 2016 indicates XXXX billed total amount of {$3600.00} and XXXX   paid {$2000.00} and that the remaining XXXX would not be billed to me per the contract XXXX XXXX has with XXXX that states XXXX is a in network provider they agree to take the payment amount allowed and not bill the patient ( me ) for any balance owed. XXXX inaccuracy states on the invoice for the {$1500.00} my insurance company as XXXX  XXXX XXXX. XXXX told me XXXX denied the whole amount for an invalid billing code. I called my doctor and had them investigate this and all the correct codes were provided and they were paid the amount allowed and were not to bill me the remaining amount. I have sent all this proof to XXXX  and XXXX XXXX XXXX wont even give me a chance to send proof to them they say talk to XXXX. I have talked to XXXX along with my doctor and they will not call XXXX XXXX to stop this debt. They are bullying me and illegally trying to force me into paying this money to clear my credit report and name. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I received a number of misleading threatening phone calls over a span of several years from Portfolio Recovery Associates who refuse to identify themselves at odd hours of the day and night. They ask and disclose personal information to others and I've asked them to stop harassing me on a number of occasions. I've filed complaints that they are trying to collect a debt that someone illegally obtained years ago and way beyond the statue of limitations yet I her spoken to and yelled at disrespectfully by this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hello, Capital One credit card company through its CapitalOne Platinum Card is misleading consumers by offering and advertising its card as " No Annual Fee ''. 

After I am signed up to this card 5 years ago, now they are changing the agreement without even notifying me and started charging me XXXX $ annual fee. I found out about it looking on my statement. I called them, and they claim it as a " procedural issue ''. Now, that I close this card, it will affect my credit score and history. They want to waive first year annual fee after I stated that I will close my card. but I want them to roll back my card into No Annual Fee policy. 

Had I known at the very beginning, I would have not signed up in the first place. To make an informed decision, I need to know about this at the beginning, when I sign up on my agreement with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a number of misleading threatening phone calls over a span of several years from XXXX XXXX XXXX who refuse to identify themselves at odd hours of the day and night. They ask and disclose personal information to others and I've asked them to stop harassing me on a number of occasions. I've filed complaints that they are trying to collect a debt that someone illegally obtained years ago and way beyond the statue of limitations yet I her spoken to and yelled at disrespectfully by this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
this medical bill was paid by me in 2015 as well as my insurance, the collection agency keeps reselling the debit to other companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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: VA

Complaint narrative:
On XX/XX/19 and XX/XX/19 I attempted to initiate a dispute on the Equifax website. It repeatedly told me I was entering personal information incorrectly, which I absolutely was not. During the verification process, I was correctly answering the questions regarding information that either is or is not on my credit report. I know I was answering them correctly because I check my credit report at least once a month on XXXX XXXX and also because I am currently in the 10th year of my career in retail banking and consumer and small business lending. After not being able to successfully register my dispute for free, like I have a legal right to do, I attempted to purchase an " Equifax Complete Premier '' membership assuming I would be able to register my dispute from there. I completed the process of initiating an account and entered my billing information at which point I was told that my card could not be verified. I entered my information again and received the same response. I then checked the pending transactions in my online banking and saw that they had charged me {$19.00} twice but was still being told that I did not have an account. I then called their customer service line XXXX and spoke with an employee named XXXX, EQUIFAX ID # XXXX. After having to give my social security to them for probably the 20th time, he told me they never charged me. I informed him that I had been charged twice and was told that I had to wait for the transactions to post and then I could email a different department with a screenshot of my bank statement and request a refund credit. He maintained that I did not have an active subscription but that he could send me a link to reset my password. I then asked how it was possible for me to successfully create an account and see the two successful charges to my account but still not be given access to my credit report or the ability to dispute it. At that point he said there was nothing else he could do for me and that I should wait to see the charges be removed from my account. I am shocked that after all of the wrongdoing and negligence Equifax has been found to be responsible for that they would continue to operate in a way that harms consumers. They have a legal responsibility to allow consumers to be able to dispute items, which they are not allowing me to do even though I am answering their questions correctly. The gentleman also blatantly lied when he said he could not see that there was a successful charge on their end. I sell credit card processing as part of my job. I know that if I can see the transaction on my end, they can see it on their end. Equifax needs to be held accountable for their continued attempts to rip off consumers and prevent people from being able to dispute the inaccurate and damaging information on their credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I attempted to purchase tickets from an online ticket Vendor using the XXXX XXXX through my Huntington Bank account. I was attempting to purchase 4 tickets for {$600.00} for XXXX basketball games in XXXX OH on XX/XX/XXXX for games on the XXXX. The vendor told me how to transfer the money to them via XXXX and that the tickets would be sent to my email once the transfer happened. I sent the money and did not receive the tickets. I immediately called the bank and reported what had happened. They told me I had to wait 3 days since it was the weekend for the charge to post and then we could dispute the charge. I called Huntingtons mobile and online banking fraud service and they said there was nothing that could be done to stop or reverse the transfer. I also called XXXX the day of the transfer and spoke with a customer service rep to report the scammer/fraud that had taken places and warned them of this person using their app and scamming consumers. They did not seem to care that this happened and said I could work through my bank to deal w this issue. I finally submitted the claim but it was rejected by the bank citing that it should have clearly understood I was taking this risk. I had done some research prior to transferring the money about XXXX and tickets and felt as though I would be protected if something went wrong or would be able to reverse the transfer. None of this was possible. I do think that there needs to be better warnings for consumers using this app and better warnings from the bank that this is a very final action and this app is being used very often by scammers. I think there also needs to be better tracking of the people using the app and a better screening process to ensure this cant happen to many people. As a consumer I felt very misled by XXXX policies and dont understand why Huntington would use such a deceptive and poorly designed application. Regardless of my authorizing the transaction, XXXX is allowing deceptive users to take advantage of other consumers. A reasonable consumer would be led to believe that there is protection offered based on experiences w other apps and companies that do offer some sort of protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting for XXXX XXXX a debt amount of {$1500.00} from 2016 on my current TransUnion report. This is false because my explanation of benefits sent to me by XXXX XXXX XXXX XXXX XXXX XXXX  in 2016 indicates XXXX billed total amount of {$3600.00} and XXXX paid {$2000.00} and that the remaining XXXX would not be billed to me per the contract XXXX XXXX has with XXXX that states XXXX is a in network provider they agree to take the payment amount allowed and not bill the patient ( me ) for any balance owed. XXXX inaccuracy states on the invoice for the {$1500.00} my insurance company as Florida XXXX XXXX. XXXX told me XXXX denied the whole amount for an invalid billing code. I called my doctor and had them investigate this and all the correct codes were provided and they were paid the amount allowed and were not to bill me the remaining amount. I have sent all this proof to Transunion and XXXX XXXX XXXX wont even give me a chance to send proof to them they say talk to XXXX. I have talked to XXXX along with my doctor and they will not call XXXX XXXX to stop this debt. They are bullying me and illegally trying to force me into paying this money to clear my credit report and name. Please help 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 2019-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-04-07 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$22000.00} There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-04-07 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: SC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$22000.00} There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2019-04-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$22000.00} There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation