vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX. I was XXXX XXXX and provided all of my information at that time. 

In XX/XX/XXXX, I received my first collections letter ( never even got a bill prior ) from XXXX XXXX XXXX XXXX. I called my insurance, XXXX, who stated they have never received a bill and would need a letter also explaining why nothing was submitted prior. I talked to the hospital who said they cant help and then I talked to XXXX again who took down my XXXX information and said they would work it. 

XX/XX/XXXX, I get another letter from XXXX XXXX XXXX for the same debt. I spoke to them and explained what occurred last time and by the end they said they would work it. 

XX/XX/XXXX, I get a bill for the same debt from Phoenix Financial Services. I call them and the first lady said that its not medical insurance to be billed its car insurance.. I found that odd so I called XXXX once again. XXXX confirmed they have yet to receive anything from anyone regarding this and whoever was billing needed to bill them. I called Phoenix Financial services back and told them basically the same thing I told XXXX is that they can bill XXXX. I was told they do not do that. That is the hospitals job and I had to pay a debt now four years old ( statue of limitations in MD is 3 ) or get the hospital to take back the file of debt and bill. 

Its 4 years after the first visit and because someone didnt bill my insurance I am continuously dealing with debt collectors. The first few letters I thought would be the last as XXXX said they would bill XXXX. 

Phoenix Financial is now stating they will file this on my credit report. 

I do not feel as if I have to pay this debt because someone four years ago didnt file a claim with my insurance. I have provided my military ID over and over again for any collector or organization to submit the proper claims to XXXX to receive their money the correct way. 
The debt is four years old. 
I was XXXX XXXX XXXX and XXXX covered everything if they were billed. 
No one has billed XXXX. 

I do not think that is my responsibility to pay a debt when the hospital had my insurance ( billed it for other things ) and did not bill this. XX/XX/XXXX said it would be worked and I thought this was over. 

I have never not settled a bill that I owed. I have either helped a billing department refile the bill or paid what I owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing this collection for the past couple months. Equifax has stated that this account was verified, but has failed to provide verification. The collector only provided me with an itemized statement of charges. They did not provide me with any original contract bearing my signature proving this debt. 

XXXX ACCT # XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Opportunity Financial, LLC
State: ID

Complaint narrative:
I recieved a PREAPPROVED letter inviting me to apply for a loan with a " code '' on it to " verify '' it was me applying for the loan. I applied for this with the assumption that I had been PREAPPROVED as indicated by the letter. As it turns out, I was denied and now I have a ding on my credit report. How is this allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have some issues on my credit file that need addressed, my name is XXXX XXXX XXXX SS XXXX DOB XX/XX/XXXX. Please remove any other variation of my name it is not accurate ( Please delete XXXX XXXX, XXXX XXXX ) The following addresses are not mine please delete XXXX XXXX XXXX # XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # # XXXX XXXX XXXX, CT XXXX I have requested documentation from the following 5 collections agencies : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX. Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation.

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 2019-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: SC

Complaint narrative:
I have a Cash App account and when I purchased a new phone I tried to add the app to my new phone. The app would not add so I am unable to get the several hundred dollars off the account. I have tried every option and nothing. They keep sending me instructions to my email from an automated system and nothing works.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I filed a complaint in XX/XX/XXXXabout this company and their poor business practices. They acknowledged that they made a mistake, had incorrect information and had corrected the mistake with the credit bureaus. After they acknowledged the mistake they RECONFIRMED THE DEBT in a XXXX  dispute! This is the worst type of collector, one that doesn't even make an effort to establish whether disputes are legitimate debt or mistakes, they just automatically confirm it with no investigation. Twice. 

My complaint : In XX/XX/2019 I was notified that I had a collection on my credit report Waypoint Resource Group account # XXXX. I disputed the account with XXXX. Waypoint verified the items with XXXX! I contacted to Waypoint directly on XX/XX/XXXX speaking with XXXX and XXXX XXXX. They both informed me that my address and birthdate did not match up with their file. At that point they told me they couldn't discuss the account with me because they could not verify my information! Of course they couldn't because it's not my debt, I say. Please remove it from my account. They can't remove it because I'm not the owner of the debt. They tell me a can dispute it with XXXX   or the original creditor. I called the original creditor, XXXX XXXX XXXX and spoke with XXXX employee # XXXX who could not find any delinquent accounts attached to my name, address or social security number. He waited on the phone while I tried to conference call Waypoint to hopefully resolve it with them but after being on hold for 5 minutes, we were hung up on. XXXX didn't want to wait any longer so we ended the call. I have started another dispute with XXXX with the additional information obtained. Waypoint never contacted me ( because they didn't have my contact info ) but were able to put a collection on my credit report and then did nothing to resolve their errors. 
Waypoint response I appreciate Mr. XXXX reaching out in regard to this matter and apologize for any inconvenience and/or frustration that he may have experienced because of it. Waypoint Resource Group was assigned this account to perform third party collections for its client. Upon researching the account, Waypoint discovered that it likely had incorrect contact information on its actual customer and had contacted Mr. XXXX  in error. Upon discovering the error, the credit bureaus were notified to delete the Waypoint tradeline from his credit report. XXXX  was notified XX/XX/XXXX. XXXX  and XXXX updates were processed XX/XX/XXXX. Again, Waypoint apologizes for the error. Should there be any further questions, Mr. XXXX  is urged to contact Waypoint at ( XXXX ) XXXX to discuss.

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 2019-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have reported fraud and identity theft since XX/XX/XXXXand currently still having this problem registered with the FTC and all credit reporting agencies and federal agencies. Thought my search to recover my identity and hopefully locate over 1 millions plus in my life savings and settlement monies. I obtained on XX/XX/XXXX numerous copies of cancelled checks from XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX. 
I am requesting wells Fargo aka XXXX XXXX aka XXXX  XXXX to identify the holders of these accounts of bank markings as follows and attached to this report # 1 check for {$56000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents XXXX XXXX XXXX, NC XXXX XXXX <XXXX> # 2 check for {$3300.00} XXXX XXXX XXXX XXXX  and XXXX XXXX dollars and no cents This will further assist my recovering from identity theft. And as per wells Fargo request that I give them pertinent account numvers for them to review and assist me XXXX XXXX XXXX, NC 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 2019-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I got a credit offer for 12 months without interest, the last month to pay was XX/XX/XXXX and pay the whole amount in the middle of XX/XX/XXXX but bank put more than {$200.00} of interest for all the 12 months because I need it to pay before XX/XX/XXXX. 
I have called customer services and they haven't help. I asked them to charge me interest only for the days after the promotion but they want to charge all the 12 months. The bank keeps adding fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
capital one keeps reporting negative remarks on my accounts to the credit bureaus. They keep saying that I initiated a dispute, investigation completed, and consumer disagrees and this is simply not the truth. 

My two capital one accounts are closed. At one point the payments were late but never missed as I always paid something. I closed these accounts and enrolled them into a debt management company so that Capital One would be paid. I could have walked away from the debt but did not do so. But Capital one says that I have disputed my accounts and that is not true. The only thing I have ever disputed are these false, misleading remarks that they keep placing on my credit files. 

I am trying to get a mortgage and this is impacting my ability to do so. Why must capital one do this to me? Are they upset that the interest rate got reduced when I submitted my two accounts to be handled by this debt management company? Are they not happy that the accounts are being paid on time each month? 

Why are they intentionally trying to hurt me by posting these remarks that are not true on my credit reports. They are intentionally trying to get me turned down for a mortgage for my family. I have asked them in the past to stop this, they called me and said that all remarks would be removed but this was a lie. I am filing this complaint to have the CFPB help me. I am attaching a copy of the credit report to show proof of their unprofessional conduct. My next step is to file a State Attorney Generals complaint against them if they refuse to honor my request.

They are intentionally reporting these false, derogatory remarks on all 3 credit bureau reports and it needs to stop. This is getting out of hand that they are doing this to me.

I could simply stop paying them and let the debt go into a write off status for them and not let them get one single dime moving forward but I do not want to do that but they are leaving me no choice. If the remarks are not removed and kept off moving forward the Colorado State Attorney Generals office will open an investigation. 

Account numbers XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing this collection for the past couple months. Equifax has stated that this account was verified, but has failed to provide verification. The collector only provided me with a screenshot of an itemized statement of charges. They did not provide me with any original contract bearing my signature proving this debt. 

XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: UT

Complaint narrative:
This is for Elan Financial Services. In XX/XX/2019 I opened a card with Elan. First, they have astronomical fees that were not disclosed. I looked everywhere, there are no signs of any explanation. 

But the most important and alarming complaint : I attempted to link my XXXX XXXX XXXX XXXX account to them. Not only did they reject the account number on XX/XX/XXXX ( which I can live with ), but the letter they sent said they sent my payment back to them!??? If it's the wrong account number how in the world could they send it back?! It gets better. My payment didn't come from that credit union! So they took my {$400.00} payment on XX/XX/XXXX, from my XXXX XXXX  account, and they SENT IT BACK TO THE *WRONG* credit union account , which they already told me was " wrong ''! 
Anyone would freak out by this, so I instantly called them. The girl that answered was polite and agreed it was odd, and she suggested I file for a trace. Which I did. I supplied all the necessary documentation. They completely disregarded what I sent them and said the proof I sent was about my payment. 
YES! I KNOW! WHERE DID IT GET SENT TO!? 

I have a right to know where they randomly sent my {$400.00}, but I don't trust this company to help me get it back. I called again, and asked to talk to a manager. I couldn't believe it, the manager was less knowledgeable and more ignorant than the front line reps. He was incredibly rude. He also refused to look into my situation, and kept asking me over and over if I felt like he was giving bad customer service, in response to my questions. He was very confrontational and immature. 

That is only part of it. I DID link my XXXX XXXX  account to this card, XXXX same account my first payment came from. The one they sent to the " wrong '' bank ). Anyhow, I set up regular payments to pay at a set time every month, but they don't work like that. For 3 months in a row they took a random amount they chose ( all 3 different amounts, all at different times of the month ), to pay that bill. I only keep enough in there to pay the bill when it pulls, but they picked their own times and increments. And sure enough, they ALL got returned for insufficient funds! Again, all different fee amounts. 
It shows that the bills were paid online. Which is wrong. Plus I'm the only one who has access to this card. And my experience with them is, it won't do me any good. 

I've only had this card for 5 months and it's literally been XXXX. 

I'd really like, more than anything, to know what they did with my initial {$400.00}. 
And I'd like to know how they justify treating human beings so horribly.

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 2019-10-17 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: I.C. System, Inc.
State: VA

Complaint narrative:
IC Systems collection for what it says was my direct tv account. I have submitted both the last bill amount they are saying was owed to them, which services were billed a month in advance anyways so I shouldn't have, had a bill when service terminated. They on numerous previous disputes to them on amount said the never received equipment back which I was able to prove they did back when the collect was under XXXX before they sold the debt. I have not had them in 7 years easy so all the dates are incorrect. Everyone keeps selling this debt and I have to start the process over and over

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 2019-10-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Fraud Activities is going on with someone trying to open accounts I have a fraud alert on all Major Credit Bureaus How is it that they can apply for credit using my personal information with my Authorization

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I've never had a missed payment with CapitalOne credit card. I do my very best to stay on top of my payments and it says on my credit report that I have 1 missed payment 30 days late listed for on XX/XX/2017. This account was on automatic payments so there is no way there would be late. I called CapitalOne and they looked into it. They said they could change it but they can't remove it because " their system wont let them ''. I've been working very hard on my credit and have been a faithful customer of CapitalOne for years. I don't understand how they cant remove that when it was their doing. I really like doing business with CapitalOne but I also really like to have a good credit score and this is impacting my score and I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing this collection for the past couple months. Equifax has stated that this account was verified, but has failed to provide verification. The collector only provided me with a screenshot of an itemized statement of charges. They did not provide me with any original contract bearing my signature proving this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My husband was on medical leave post surgery and we asked for assistance with the mortgage to be able to afford or lower the payments temporary during his 3 months leave. Mr. Cooper said we could do a loan modification. 

Mr. Cooper mortgage company told us they would modify our loan and we had the option to make payments or not while we were waiting for them to process it. During the process we missed the three payments which total about 6,000 .Understanding we had at the time a total income of XXXX a month so, when he went on leave it dropped by half until he began receiving 60 % of his income from his XXXX XXXX leave. 

The problem is Mr. Cooper failed to disclose the full details of the modification and didnt explain in detail. We were explained and to our understanding that the payments were going to be moved to end of the mortgage loan. In reality, we were taking out a second mortgage with a different lender. We were not explained this part of the modification. We only found this out when we went to take the equity out to do repairs and remodeling. It was then that we found out that we had two mortgage loans.We had the opportunity to read the contract with little understanding of what were signing. It was our mistake not seek help to assist us in understanding the paper work. 

We trusted our mortgage company and didnt know the correct question to ask to get the answers we needed or to disclose this information. We did not get any money out of it. The second mortgage was a sum total of XXXX that was distributed by Mr. Cooper mortgage company to were they designated it to go.Now we have this mortgage that we cant do anything not even sale the home until that second mortgage is paid up front. 

However, It paid the missed payments but if we had known we wouldnt have done that, we couldve made partial payments and excepted the late fees or let something else become delinquent or found other ways to pay. We were not totally broke we still had my income. I was still employed full time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: OH

Complaint narrative:
I have some issues on my credit file that need addressed, my name is XXXX XXXX XXXX SS XXXX XXXX XXXX. Please remove any other variation of my name it is not accurate ( Please delete XXXX XXXX, XXXX XXXX ) The following addresses are not mine please delete XXXX XXXX XXXX # XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # # XXXX XXXX XXXX, CT XXXX I have requested documentation from the following 5 collections agencies : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  # XXXX. Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation.

Company response to consumer: Closed with non-monetary relief