vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I started this journey XX/XX/XXXX of this year when I checked my credit and noticed several accounts from Account Resolution Service account numbers XXXX ( {$420.00} ),  XXXX ( {$1300.00} ), XXXX ( {$1000.00} ), XXXX ( XX/XX/XXXX ), XXXX ( {$1400.00} ),  XXXX ( {$1000.00} ). I originally contacted the credit bureaus to dispute the accounts due to the accounts not belonging to me and is not something that I recognize. I also pointed out reporting errors with the listings as it should be reporting 100 % accurately and asked for proof of verification received from Account Resolution Service and did not receive anything but a generic response with no proof. After 2 attempts I contacted Account Resolution directly on XX/XX/XXXX via certified mail USPS #  XXXX attempted delivery on XX/XX/XXXX at XXXX XXXX letter was not delivered due to no access to delivery location. How is it possible for them to provide an address that the postal service can not access? This type of practice does not seem ethical. In the letter I asked for them to verify they are attempting to collect from the correct person. I also requested they send me competent evidence with a full accounting and original contract. These accounts are still reporting on my credit which they shouldn't because no one seems to have the proper documentation and accounting so these should be removed as I am not responsible for these debts. Please provide validation of the accounts especially since I never received any notice/statement from you stating you're trying to collect on an alleged debt.

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 2019-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I was informed that my data had been released/breached by Equifax. I attempted to file a claim for compensation after verifying that my data had been compromised, and I was emailed saying my compensation request for {$120.00} was denied, with no further recourse, and I had no email confirming my submission to the class action. 

I sent an email complaining to the company in early XXXX, and received no response. Was this another scam to collect SSNs and no intention of honoring their settlement? I cant even get credit monitoring now, and may miss the action deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Every XXXX of every month for several years, I have been charged for debt protection on my Citibank Best Buy Credit Card in the amount of {$49.00} plus interest. I never agreed to have debt protection on my account. I am not financially stable enough to have any additional charges on my account. The reason I never noticed anything until now was because I don't use my Best Buy Credit Card that much. Whenever I make purchases, they're usually large amounts ( i.e.television, laptop, etc. ) and I opt for interest free for those purchases. Whenever I open the main menu in my account, I see two large purchase amounts with expiration dates of when the interest free is over with. It doesn't mention any additional charges. Those debt protection charges and interest are tied into those two amounts, which are not noticeable unless I open a statement. I called an agent at Citibank to inquire about my statement and she informed me about these debt protection charges. She advised me to notify their dispute department. I reached out to their dispute department and there was nothing they could do about any one of those charges. I spoke with a manager letting her know my concerns and she could not do anything for me. I even went the sympathy route of reminding her that I have been a customer for more than 15 years. She still would not assist me. She did mention that the debt protection is something that customers need to opt out of when they sign up for credit card services. I was a little confused because it sounded like it is an automatic charge on the account when I sign up unless I opt out of it, but I was never informed about debt protection. This entire debt protection seems like a scam. This entire incident has really hurt me financially. I have only been paying the minimum balance because there isn't any interest on my account. However, interest has been accruing because of the debt protection. I can not believe that I did not catch on as to why my balance has not been much lower.

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 2019-09-29 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: IL

Complaint narrative:
When i received my credit report on XX/XX/2019 i noticed fraudulent accounts or accounts that i did not authorize so i made a police report and i also filed a complaint with ftc and i'm following up with you guys because my current grievances wasn't met.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: TX

Complaint narrative:
All incorrect information on my credit score before and after I bought a home And my credit score gone downhill lower than before some of the credit cards I stop using them and they still try to collect my money it very sad and frustrating! I try to make my end meet for my family and XXXX little boy but they keep messing with my credit score it make my process to buy a home very challenging because of high interests base on my credit score! 
All I want is a fair treatment Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: TN

Complaint narrative:
My wife received a Court summons in XXXX County Tennessee. The summons was delivered by a XXXX County Sheriff Deputy today, XX/XX/2019. The summons was stabled to several documents. A Copy of A litigation letter from professional, XXXX XXXX, for Discover Products Inc. ; representing Discover Bank was notarized by a XXXX XXXX In Ohio. Attached to this letter is a printed copy of a report from U.S. Department of Defense ; Manpower Data Center is signed by XXXX XXXX, Director of Manpower Data Center. 

My wife isnt XXXX XXXX, and she has never worked for a government agency, and especially not The Department of Defense. 

The letter written by XXXX XXXX states that Discover Products Inc is granted access to Department of Defense record keeping computer systems and regularly is allowed use of this record keeping system. 

XXXX County General Sessions Court Discover vs XXXX XXXX Court date is scheduled XXXX XXXX at XXXX. 

Why did Discover Bank contact the Director of Manpower? 
My wife is a civilian, so Why should Discover Bank contact DOD? 
Why did Discover Products Inc contact DOD? 
Why does Discover have regular approval for using the Manpower Database?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: IL

Complaint narrative:
When i received my credit report on XX/XX/2019 i noticed fraudulent accounts or accounts that i did not authorize so i made a police report and i also filed a complaint with ftc and i'm following up with you guys because my current grievances wasn't met.

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 2019-09-29 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: IL

Complaint narrative:
When i received my credit report on XX/XX/2019 i noticed fraudulent accounts or accounts that i did not authorize so i made a police report and i also filed a complaint with ftc and i'm following up with you guys because my current grievances wasn't met.

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 2019-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
Date XX/XX/2018 {$600.00}, I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a Best Buy Visa Credit Card in XX/XX/2016. Unfortunately, I had been experiencing some kind of hardship recently at work, since I am getting my hours cut. I usually have been responsible on the payments and I tried to reach an agreement with the credit card servicer, and they refused to get me an additional one week extra to make the usual payment. They instead told me I will be charged a late fee in addition to the minimum payment I owed them. Best Buy Visa 's servicer ( Citibank ) had been the worst people to deal with, ever, as this is not the first time I can't reach an agreement with them and their attitude had been the worst as a matter of fact. I am trying to work things out in good faith but they always look for any kind of ways to win and ruin my credit.

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 2019-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TN

Complaint narrative:
I was offered Kroger Rewards Prepaid VISA from Kroger through my Kroger Rewards App and I accepted. Im not sure of the exact date I received it but it was a few weeks ago.Shortly after I activated the card, put money on the card.The card was locked. I called Kroger to find out the problem and they said I need to verify my identity.So I did exactly what they said and faxed my information and they said they couldnt read it. I faxed a second time on XX/XX/2019.They couldnt see it even though I got confirmation.So on XX/XX/2019 I faxed another copy of my information. I called and they said they still couldnt verify anything. I have seen lots of complaints about people having the same issue.It feels as if they want me to just give up my money. Ive been dealing with this for a couple of weeks now and I dont believe that I will get my money back.These faxes are costing me money out of my pocket to get my money.

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 2019-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CFM Group
State: AL

Complaint narrative:
My name is XXXX XXXX and I acquired a business, changed the name of the business, moved the business to a new address, and I operate my business as an XXXX. I recently began receiving rude and harassing calls from XXXX XXXX saying that I owe {$6500.00} for a debt that I have nothing to do with. XXXX XXXX called my business and ask for the owner and got my name from someone who works at my business and since then he has called and threatened to report me to the credit bureaus. I ask XXXX XXXX to email me any paperwork, bills, or contracts relating to this matter to show me that I owe him anything. He refuses to email me anything to prove that I owe him a bill. I do not owe anyone any past due balances and am clueless as to the bill that this XXXX XXXX is threatening me with, but because he is so aggressive and threatening, I am writing because he is threatening to place negative things on my credit report. I am respectfully requesting that XXXX XXXX provide proof that I owe him anything. I am also requesting that if he has nothing to show me that your bureau fine and discipline XXXX XXXX and his company to the fullest extent that is allowed by law. Last, I request that if XXXX XXXX can not provide any proof that I owe this bill, that he be told to stop calling me with threats. Thank you for your attention to this matter. 

The number to reach XXXX XXXX is

Company response to consumer: Untimely response
Consumer complaint received 2019-09-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank has ruined my social security number by closing 2 of  my accounts as " Deceased ''. I now can not get a bank account in my name due to being reported by this bank as dead. Im clearly alive, working, just got a new id card, im a legal us citizen who cant get an account opened for the past year because someone screwed up and registered me as dead.

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 2019-09-29 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Hi I just graduated XXXX XXXX, I just enrolled in college and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security Number until now. when my high school counselor Told it to me. when she help me apply for colleges. and loans for  school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-29 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Hi I just graduated XXXX XXXX, I just enrolled in XXXX  and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security Number until now. when my XXXX XXXX counselor Told it to me. when she help me apply for colleges. and loans for school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.

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 2019-09-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hi I just graduated XXXX XXXXXXXX, I just enrolled in college and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security XXXX until now. when my XXXX XXXX counselor Told it to me. when she help me apply for colleges. and loans for school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-29 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: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Hi I just graduated XXXX XXXXXXXX, I just enrolled in college and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security Number until now. when my XXXX XXXX  counselor Told it to me. when she help me apply for colleges. and loans for school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Hi I just graduated XXXX XXXX, I just enrolled in college and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security Number until now. when my XXXX XXXX counselor Told it to me. when she help me apply for colleges. and loans for school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH  I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.

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 2019-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I checked my credit report which shows delinquent on COI ( Convergent Outsourcing ) that appears to be a XXXX bill. I dont have an acct with XXXX nor have purchased a phone with them.

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 2019-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AFNI INC.
State: UT

Complaint narrative:
This account is old from XXXX and the company keeps putting in my credit report that the account opened year after year after year for example they said it was open in XXXX they said it was opened in XXXX this credit is this debt is like 12 years old or so and they just keep putting that information on my credit report and won't stop. 
My name is XXXX XXXX and the company that's trying to collect his afni

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
XX/XX/2019, received notification that a negative account was placed on credit report. 
I never heard of this company. Never signed a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
What they have reported : i was late on a payment & the loan was not paid in full. 

i was never late on a payment, I paid the full loan balance off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
What they have reported : i was late on a payment & the loan was not paid in full. 

i was never late on a payment, I paid the full loan balance off.

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