vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-27 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: GSI  Recovery, LLC
State: NJ

Complaint narrative:
I had went to the hospital XXXX  of last year XX/XX/XXXX. I had received Medicaid and all of but one bill for {$110.00} for XXXX XXXX XXXX was paid for in which I had called several times about informing them I had full Medicaid at the time. I now receive a bill from GSI recovery in which I had called several times and never got a call back until today XX/XX/XXXX when I had called 4 times until finally someone picked up. When I tried to explain what was going on and tried to give him my information he said that I had to call Medicaid in which I then tried telling him I did and they said to call them he then yelled at me told me to never call his business again and he dont care that it will now be added to my credit report as bad debt and that I should pay my bills. I was covered so my bills are paid why I keep getting this one that I have called many times about I dont know and keep getting the run around but to be threatened that it will now be added to my credit report as bad credit when i should have never received this bill in the first place is beyond belief. How many times have this company did this to people instead of helping them just threaten them and put things on their credit report that do not belong there.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Spoke with agent in XX/XX/2018 explaining hardship because I was fired and that I was having health issues. Made payment and requested arrangement but to no avail. 
In XXXX, I had another XXXX and called in XXXX, XXXX and XXXX to make arrangements to close account and stop interests and fees by making arrangement to pay them {$50.00} per month. They said unless I had someone to be responsible, that had a job, they could not make arrangements. In the meantime, they have raised the amount owed with fees and interest plus have been reporting to credit bureaus derogatory scores. I have never received call from anyone trying to settle or accept arrangement. I am XXXX and have health issues preventing me from getting a job.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-27 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: FL

Complaint narrative:
Equifax is reporting a bankruptcy on my credit report. I asked Equifax to properly verify this information. I requested that the description of the procedure used to determine the accuracy and completeness of the information be properly verified.. That is, please providing the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my name. 
Equifax responded by using a third party for profit company called XXXX to claim that is how they verified the information. That is NOT what I asked of Equifax. 
Equifax needs to properly verify this information by providing the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: PA

Complaint narrative:
My name is XXXX XXXX And my Information was stolen. Thieves are continuing to try and use my information to get goods and render services in my name. It has stopped me from getting a house and a car. I originally filed my fraud alert on XX/XX/XXXX. As of today, the fraudulent accounts are still reporting to my credit.And I don't Know why.. 

These Account are not mine and I have no clue how they got there. and its hindering me from progressing financially XXXX   XXXX  XXXX/XXXX XXXX {$480.00} XXXX XXXX bank XXXX XXXX XXXX bank XXXX XXXX bank XXXX XX/XX/XXXX {$190.00} XXXX/XXXX XXXX XX/XX/XXXX {$270.00} XXXX bank XXXX XXXX XXXX XX/XX/XXXX {$300.00} EQUIFAX XXXX XXXX/XXXX XXXX {$480.00} XXXX XXXX bank XXXX XXXX XXXX bank XXXX XXXX bank XXXX XX/XX/XXXX {$190.00} XXXX/XXXX XXXX XX/XX/XXXX {$270.00} XXXX bank XXXX XXXX XXXX XX/XX/XXXX {$300.00} INQUIRY- XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX {$480.00} XXXX XXXX bank XXXX XXXX XXXX bank XXXX XXXX bank XXXX XX/XX/XXXX {$190.00} XXXX/XXXX XXXX XX/XX/XXXX {$270.00} XXXX bank XXXX XXXX XXXX XX/XX/XXXX {$300.00} Please Remove these fraudulent accounts from my credit report. My information was compromise and I strongly believe my information was victimized by the breach. I do not know where the accounts came from nor did I open any of theses accounts. 

I am currently in the process of consulting with my lawyer on weather I not to proceed with a lawsuit if the accounts are not removed Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vice President XXXX XXXX XXXX XXXX XXXX XXXX Fraud and XXXX XXXXXXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX Senior Vice President XXXX XXXX Theft Equifax LLC XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX vice president chief legal XXXX Equifax llc XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Law Offices Howard Lee Schiff, P.C.
State: CT

Complaint narrative:
Howard E. Schiff Law Firm in Connecticut emptied my Checking, IRA Savings, and Child support bank accounts yesterday totaling over {$3000.00} leaving me with {$0.00} dollars. I am a single mother taking care of a minor child ( XXXX year old daughter ). I was not served any papers, I was not notified of what even the debt was for. My attempts to get the money back from the firm have failed. I need immediate assistance in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
This complaint involves company XXXX XXXX XXXX XXXX who is illegally and it's two collection companies Enhanced Recovery and XXXX XXXX. In XX/XX/XXXX I contacted XXXX XXXX  and requested validation of a {$830.00} debt as it is invalid and does not belong to me. They were unable to validate and removed it from my account. XXXX XXXX XXXX XXXX then sold the debt to Enhanced Recovery in XX/XX/XXXX. Once again I had my attorney send them written request to legally validate this debt as it's invalid. Enhanced Recovery responded by removing it again from my report. For a 3rd time in XX/XX/XXXX it went back to XXXX XXXX who again I sent letters of validations. As of XX/XX/XXXX it was removed from my credit as invalid. 

Today I was notified by my credit monitoring service that for a now 4th time the debt has been transferred back to Enhanced Recovery who is illegally reporting this debt on my credit report. I have asked them on two previous occasions to valid this debt and they have not. 

I have also contacted the original company XXXX XXXX XXXX XXXX directly about this debt on XX/XX/XXXX and XX/XX/XXXX and the information they provided was that this debt is for equipment charges that was not returned. I provided copies of the receipts at that time that the equipment was returned using their requested method which was XXXX. Tracking numbers were XXXX and XXXX. The customer service rep advised she could CONFIRM that it was returned and the equipment is now being used by another XXXX XXXX XXXX XXXX customer however I am still being charged for it as unreturned. I requested to speak with a manager and explained to that manager how could it be legal to charge me for unreturned equipment when you have confirmation it was received AND that it is now being used by another one of your customers. If I am being charged {$830.00} for equipment that equipment should now belong to me as my property not being used in the home of another customer. The manager at that time resolved the issue by having the collection companies remove it. Unfortunately however they wait a few months and trade it back and forth and place it back on my credit report to damage it. I have to keep battling the 3 companies together from damaging my credit report. 

I ask that you please assistant me with FINALLY resolving this illegal matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RELIANCE FIRST CAPITAL LLC
State: VA

Complaint narrative:
I submitted my information on XXXX on XX/XX/19. On XX/XX/19, a Reliance First Capital sales associate called me from a toll free number ( XXXX ). After hearing what he was calling about I told him I was not interested and hung up. Immediately, the same person called me back from a different phone number ( XXXX ). I picked up the phone and he started talking to me again. I told him again that I was not interested and he shouldn't be calling me again, and that I was going to file a complaint. He proceeded to tell me he wasn't breaking any laws. I asked for his full name and he told me he didn't have to tell me that and he hung up on me. 

I'm also submitting a CFPB complaint, because this type of harassment is not ok. You should be ashamed of these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase purposely holds pending transactions until account balance is low and pushes these transactions active to charge additional insufficient charges. Current account balances reflects these pending transactions. Then the next morning current account balances show a different story from account balances the night before. Deceiving business practices to charge customers multiple insufficient fees. I have several screen shots and this happens often too often. Please let me know if I need to display these screen shots.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-27 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: UT

Complaint narrative:
Both complaints filed, received the same reply from TransUnion. It does not matter how much they think they are right. They are still in violation of the FCRA. They can not arbitrarily determine or report a score that is not consistent with information, complete or incomplete on my credit report. Simple as that.

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 2019-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IL

Complaint narrative:
XXXX has taken over the loan management after I enrolled in the PSLF program. Since enrollment the customer service has been incompetent and inconsistent. I enrolled in a part-time masters program and they loans were placed in deferment. I have been attempting to remove the deferment for 4 months. Each person I talk to gives me different instructions on how to do this. I uploaded the requested paperwork to remove the deferment. I received a mailed letter stating the deferment was removed, but then 2 weeks later received an email that the deferment was back in place. I want to continue paying my loans on schedule but the servicer is preventing me from doing this. The wait times are usually very long on the phone. I have attempted to use online contact channels as instructed but never receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 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: AR

Complaint narrative:
My bill was due on XX/XX/XXXX. I paid my bill on XX/XX/XXXX. I understand I did pay my bill late, however, since there are only 28 days in XXXX I was not 30+ days late by paying on XX/XX/XXXX. This did not stop XXXX XXXX from tagging my credit bureau with a 30 day late derogatory mark though. When I called to try to resolve the issue with them the woman was very rude to me and told me there was nothing they could do. They obviously do not care about people as they claim. This has dropped my score XXXX points from a XXXX to a XXXX. This is the only derogatory mark on my entire credit history and it won't go away for 7 years! I now can't finance a XXXX that I need to have. They also tag on a ton of extra " fees '' to your payment. My XXXX bill was XXXX higher just due to these unknown fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/19 I was texted a message with information that I had a new XXXX account. I had never opened an XXXX account. On the advice of my credit card company, I proceeded to freeze my credit in hopes that would dissuade identity theft. Freezing my credit through XXXX and XXXX was quick, thorough, easy. and efficient. However, when I tried to freeze my credit through Experian, they kept trying to force me to join and to buy their credit protection products. I was unable to communicate this problem to them without joining. Identity theft is a huge problem in our country. This company needs to become more consumer friendly and accessible to help solve the problem. Plus, I am almost XXXX years old, and this situation is anxiety producing enough without being stonewalled by a company that is supposed to be there to help.

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 2019-03-27 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: PA

Complaint narrative:
My name is XXXX XXXX And my Information was stolen. Thieves are continuing to try and use my information to get goods and render services in my name. It has stopped me from getting a house and a car. I originally filed my fraud alert on XX/XX/XXXX. As of today, the fraudulent accounts are still reporting to my credit.And I don't Know why.. 

These Account are not mine and I have no clue how they got there. and its hindering me from progressing financially XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX   XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX bank XXXX XX/XX/XXXX {$190.00} XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} INQUIRY- XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX {$190.00} XXXX   XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} Please Remove these fraudulent accounts from my credit report. My information was compromise and I strongly believe my information was victimized by the breach. I do not know where the accounts came from nor did I open any of theses accounts. 

I am currently in the process of consulting with my lawyer on weather I not to proceed with a lawsuit if the accounts are not removed Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX XXXX XXXX Operations Manager XXXX  XXXX XXXX XXXX XXXX CEO CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX Executive Vice President Transunion Corp XXXX XXXX XXXX Director Fraud and Identity management Transunion Corp XXXX XXXX  XXXX XXXX Senior Vice President Enterprise fraud/ID Theft XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Corporate vice president chief legal officer XXXX 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 2019-03-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX And my Information was stolen. Thieves are continuing to try and use my information to get goods and render services in my name. It has stopped me from getting a house and a car. I originally filed my fraud alert on XX/XX/XXXX. As of today, the fraudulent accounts are still reporting to my credit.And I don't Know why.. 

These Account are not mine and I have no clue how they got there. and its hindering me from progressing financially EXPERIAN XXXX XXXX  XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX  XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} INQUIRY- XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} Please Remove these fraudulent accounts from my credit report. My information was compromise and I strongly believe my information was victimized by the breach. I do not know where the accounts came from nor did I open any of theses accounts. 

I am currently in the process of consulting with my lawyer on weather I not to proceed with a lawsuit if the accounts are not removed Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case EXPERIAN XXXX XXXX Operations Manager Experian XXXX XXXX@Experian.com XXXX XXXX CEO CEO Experian XXXX XXXX XXXX@experian.com XXXX XXXX XXXX Executive Vice President XXXX  XXXX XXXX XXXX XXXX Director Fraud and Identity management XXXX XXXX XXXX XXXX  XXXX XXXX Senior Vice President XXXX fraud/ID Theft XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Corporate vice president chief legal officer XXXX 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 non-monetary relief
Consumer complaint received 2019-03-27 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: MO

Complaint narrative:
XXXX, XXXX  & Transunion are reporting lates on all 3 of my XXXX  XXXX accounts : XXXX ... These accounts have been in deferment and these lates are not valid. I have already spoke with XXXX XXXX and they say they are deferred and they gave me proof of deferment/forbearance. I have attached it and i need the late payments removed from my XXXX XXXX accounts. 
They are inaccurate.

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 2019-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Scheer, Green & Burke L.P.A.
State: LA

Complaint narrative:
I contacted the original creditor that they claimed to have had a file number for after setting up a payment arrangement prior with this company Scheer, Green , & Burke, Co LPA which I called back and told them that I knew my rights they had to provide to me within 5 days validation of this debt that I was not paying this that I spoke to the original creditor and they have no knowledge of me in there account whatsoever. The law office tried to claim that they would not have that record and I told them by law they can not collect a debt after a due expiration date if I can not validate the debt. This is a scam I told them that I was reporting them to you all as well. I am in the middle of obtaining a mortgage for my first home and I am scared to death. The original creditor said that if that debt was valid that I would have already had a mark on my credit report which I do not. Can someone please help. They are stating that I have to give them a settlement amount on XX/XX/XXXX I close on my home XX/XX/XXXX or a few days after. They are claiming this is for an emergency room visit of XX/XX/XXXX of last year. I also spoke with the attorney generals office and they told me that its probably a scam and to fill out there form.

Company response to consumer: Closed with explanation