vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
XX/XX/2017 I was a victim of identity theft in which this how the medical debt was accrued

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 2019-05-09 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: NC

Complaint narrative:
When I check my credit score Im told that incomplete information about my mortgage is hurting my score. This is the same with all the reporting services. I dont know how to report to them that I do not have a mortgage I own my house outright. The same goes for all my vehicles. I also do not have any personal loans. My only obligation is my credit cards which I pay in full every month and have done so for over 10 years.

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 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I had an account reported to my credit over an issue that is still LEGALLY OPEN CASE ( XX/XX/2018 UNDISPOSED ) Case No. XXXX XXXX XXXX there was NEVER a judgement ruled over any balance, therefore this account is false and the balance is fictitious. Fabco is not even compliant with the Laws in the state of OHIO 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT ( C ) ( 3 ). I need this account removed immediately I am in contract to purchase my Home by the end of this month. 
The entire account is still in dispute in a court of Law. I will sue Fabco it this negative inaccurate account effects my closing on my home. There can not be a set balance if the XXXX County Municipal Court has NOT made any rulings. Due Process!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I checked my report recently and noticed that you did not remove it. Why is that? 

Ally Financial Inquiry from XX/XX/2019 It appears to me that you don't care about my rights and my creditworthiness.

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 2019-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
XX/XX/2017 I was a victim of identity theft in which this how the medical debt was accrued

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 2019-05-10 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: M&T BANK CORPORATION
State: NJ

Complaint narrative:
1st mortage loan paid in full on XX/XX/2016, balance does show XXXX however payment status still shows as Late 120 days. XXXX balance obviously cant currently be late 120 days. Hudson City Savings Bank is the lender that appears on my credit report however they were bought along with the mortgage loan by M & T Bank. M & T Bank is the one that got paid when home sold. M & T for some reason refuses to update payment status to " Paid. ".

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 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This email concerns the banks decision in the dispute I opened in XX/XX/XXXX, regarding the transaction of {$270.00} charged by XXXX XXXX XXXX XXXX A XXXX on XX/XX/XXXX. 
Im writing to you out of frustration of dealing with the banks transaction dispute department in regards of this transaction.. This merchant has been playing games for long time with unsuspected tourists and visitors because he thinks that can not get back to him just because they are from a different country. This merchant is a car rental company, and the transaction was intended to be an incidental authorization hold only for a pre-paid car rental. That authorization was supposed to drop off by itself after returning the car. 
Apparently, this merchant process those kind of transactions as a sale to keep the money for himself with no right to do so. Weve contacted the merchant multiple times and he lied and said that the transaction should be dropped and he has nothing to do, until he stopped answering our phones completely. 
Then I filed a dispute in XXXX, but didnt hear from Citi Bank until XXXX, asking me to provide a proof of return, or a credit slip. I tried to explain many times in writing and over the phone that the transaction does not involve any merchandise and thus there would be no credit slip, but no one is listening and apparently not reading my email, and they just repeat the same request of this proof of return. 
Its not fair that the bank just close the investigation this way, this is the last thing we would expect from the bank. We dont really know what kind of credit slip we could have from a car rental company that ran your card for incidental insurance. I want to ask every person in your department is s/he ever got a credit slip from XXXX, XXXX, XXXX or any car rental company in the world after returning the rented car. 
This merchant is 100 % dishonest, and we expected a stronger stance from Citi Bank, by instead of asking us an impossible and illogical request, it would ask the merchant why he charged this card, and what service, merchandise or anything he provided for this money. But unfortunately the bank is helping this merchant to get away with money he has no right to. 

Please note, we had the same exact problem, with the SAME merchant, for the exact same amount in XX/XX/XXXX. But at that time we thought it is just an innocent mistake, and after trying to contact the merchant multiple times, we sought the banks help. But now it is very obvious that the merchant is doing that systemically and deliberately.

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 2019-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
XX/XX/2017 I was a victim of identity theft in which this debt was obtained

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was diagnosed with XXXX XXXX XXXX and was notified that I would be undergoing XXXX. So I notified all my creditors of my situation and all creditors were ok with using my XXXX protection except for Synchrony and XXXX who refused to use my XXXX benefits that I was paying for on my cards in case I would be hospitalized and out of work which I was. Now they sold my accounts to a collection agency who is now attempting to take me to court in XXXX for debts that didnt have to incur or happen because I had insurance and took the right steps as a consumer.

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 2019-05-10 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: VA

Complaint narrative:
I recently went to a credit education class and one of things i was told was to monitor my credit report. I checked my credit report for the first time in a while and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. I've contacted FTC and my local police. I'm doing this myself. There are still items on my credit report that are not mine. XXXX 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 2019-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
This service from XXXX was requested fraudulently, Im being penalized for service I never received, nor requested. I was told by representative that this account would be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
i did busines with capital one not this third party debt collector this company can not show proper debt validation and by regulation of the fcra section 609 they have to provide original contracts which can not be provided by this third party company whom is trying to collect illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XX/XX/2019 I ordered catering for my brothers funeral in the amount of {$710.00}. Currently I have a balance of {$130.00} on this card. Received a text message from capital one asking if I was authorizing purchase - I immediately responded yes. Caterer tried to run my credit card 8 times - all declined. Received an email from capital email on XX/XX/XXXX asking if I was authorizing purchase - since I thought I would be charged on this visa I responded no as explathe transaction was declined 8 times even though I immediately responded to their text message on my cell phone, I had to use my MasterCard to pay on XX/XX/XXXX. Highly embarrassed and caused further emotional stress during a very difficult time - there should have been no problem once I ok, d the transaction. Caterer kept asking me if I was over my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am being harassed by getting repeated calls everyday. 
They are also calling me from an anonymous number repeatedly. 
I am even receiving phone calls from them at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I was diagnosed with XXXX XXXX XXXX and was told that would need to undergo XXXX. So in anticipation of being out work I notified my creditors to let them know of situation so that I can utilize my XXXX benefit that I knowingly and purposely apply for as a smart consumer especially because I have XXXX  XXXX. All companys were ok with applying my benefit except for Barclays after numerous attempts to exercise my benefit that I pay for which I applied for during the application process for the credit cards. They refused to use my benefit and then just this week I received a letter from a collection agency attempting to take me to court to collect the debt that didnt have to happen had the creditor applied he XXXX benefit I was paying for. This is unacceptable and demeaning and by now have increased in charges due to interest and fees that I should not be liable for since I was paying for a benefit to protect me in case of hardships.

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 2019-05-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
i do not owe this third party debt collector and under fcra policy section 609 there is no originally signrd contracts and no proper debt validation i did recieve financial aid and this company is not trying to collect illeagally

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
i did busines with capital one not this third party debt collector this company can not show proper debt validation and by regulation of the fcra section 609 they have to provide original contracts which can not be provided by this third party company whom is trying to collect illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hewitt-Capital
State: TX

Complaint narrative:
Caller stated that agents will be coming by my place of business or residence to serve me legal documents unless I contacted a XXXX XXXX with Hewitt Capital at XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
In XX/XX/2019, we received notice that a medical bill was sent to CMRE Financial Services for collections. I was in the process of paying the hospital ( XXXX XXXX XXXX ) when the debt was sent to collections. CMRE is attempting to collect {$880.00}, which is not the correct amount. This amount does not take into account the payment I made to XXXX XXXX XXXX on XXXX XXXX for {$25.00}. I have repeatedly sent letters to CMRE requesting that they verify their information with XXXX XXXX XXXX and only attempt collection on the amount I actually owe. I believe this whole ordeal is a result of XXXX XXXX XXXX accepting the payment from me on XXXX XXXX, but not giving that information to CMRE. CMRE claims they have contacted XXXX XXXX XXXX and validated the debt, but they are still sticking to their claim that we owe {$880.00} rather than the actual amount we owe which is {$860.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: VA

Complaint narrative:
I recently went to a credit education class and one of things i was told was to monitor my credit report. I checked my credit report for the first time in a while and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. Ive contacted FTC and my local police. Im doing this myself. There are still items on my credit that are not mine. XXXX 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 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND FUNDING XXXX as of XX/XX/2019 reporting for identity fraud, was reported and corrected for XXXX XXXX and XXXX  but not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Please provide any and all information regarding this debt including payments made, charges, fees, interest, terms, rate, etc. 
I have requested this information over and over and over for years - all to no avail. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: FL

Complaint narrative:
Please provide any and all information regarding this debt including payments made, charges, fees, interest, terms, rate, etc. 
I have requested this information over and over and over for years - all to no avail. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hi, I recently had an identity theft where the criminal opened a PayPal online credit card with my personal information. While I am disputing the fraudulent transaction charges with the company, I think this company 's business practice is unethical. Here are a few reasons why I believe so. 

First of all, the account was opened without informing me or the activation process with mail. 

Secondly, I have a PayPal account already but they are not connecting the new account with my already existing account information what so ever such that there's no way that I can know the existence of this crime until I receive a statement. 

Thirdly, they allowed the card to be used on the same day as the card was open. This means the criminal can take the money from this credit card if he or she obtains any identity information from personal data breach incidents while the victim has no way to know it and had to go through this painful and time consuming process to dispute with the company. 

What's really surprising to me is that the service representative also recognizes that the possibility of abuse in case identity theft but simply says that that's how they practice the business. 
I am very surprised that this kind of business practice is allowed for a well known company like PayPal.

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 2019-05-10 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: LA

Complaint narrative:
TRANSUION is still allowing items report to my credit file. My lawyer and i have contacted the creditors and received written responses by email and mail, which is attached in the documents i included. TransUnion is still trying to waste time and contact the creditors of these 3 unauthorized inquires. The other bureau 's has already taken care of this issue within 3 business days, Why can't transunion do the same!? 

The creditors sent my lawyer and i letters to send TransUnion, stating to remove the following inquiries off my report and TransUnion refuses to remove instantly. 
PLEASE SEND THIS ASAP AND REMOVE ASAP before we pursuit with court.

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 2019-05-10 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: FL

Complaint narrative:
The following inquiry on my XXXX credit does NOT belong to me : Chase Bank Usa, N. A Inquiry dated XX/XX/2019 Chase called me and told me that someone tried to falsely apply for credit using my social security number and that they denied the credit. However, Chase has failed to remove the inquiry from my XXXX  credit report even after I sent them a letter to the following address : CHASE BANK USA, N. A. 
XXXX XXXX XXXX XXXX, DE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
on XX/XX/19 i paid a settlement to Navy Federal Credit Union and i was informed that it would be updated and the negative information about it would be removed. Since then the company has updated the information for the balance owed but instead of changing the status to closed it was changed to charge off which is incorrect since i paid them to settle the account and close it. This has dropped my score 70 points and has severely hurt me as i am trying to purchase my first home and this has made me ineligible due to the credit score decreasing significantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation