vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY

Complaint narrative:
the doctor charged me no show fees for XXXX . the collection agency added XXXX $ as finance charges and put it on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
XX/XX/2016 XXXX occurred on my Credit in the amount of {$1200.00} Aa which I did not open this account

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 2019-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
After speaking with my previous insurance provider I was informed that the amount that quality asset recovery is attempting to collect is inaccurate. I am now once again requesting that this collection agency display the original bill in document form. 

Account # XXXX Inaccurate amount {$380.00}

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 2019-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
A new privacy notice was received from DiTech Financial. The customer elections were to be sent to XXXX XXXX XXXX  XXXX, c/o Ditech Financial , LLC , XXXX XXXX XXXX XXXX, XXXX, AZ  XXXX. The enclosed return envelope is addressed to DiTech Financial , LLC, Customer Service, XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

This is an action that is typical of the inattentiveness that is characteristic of this company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
I previously filed a complaint about about National Credit Systems in regards to a collection they have on my credit report for XXXX XXXX XXXX. They provided you and myself via mail with a copy of my lease and a bill that was faxed to them XX/XX/XXXX stating that XXXX XXXX verified the debt. XXXX XXXX was the owners in XXXX when I signed my lease and XXXX I moved out, XXXX the property was sold to XXXX, then again in XXXX to the current owners XXXX XXXX. The original owners business no longer exist no contact information can be found and they no longer hold a business license in Arkansas. The current owners and the one prior to them stated they have no record of debt and no way of providing National Credit Systems with a verification of debt. They cant even provide me of any records. This collection agency has obtained old documents in attempt to collect money from me, by saying they are collecting on behalf of XXXX XXXX which is false information. Secondly any debt that was with the original owner XXXX has reached the statute of limitations Arkansas Code 16-56-111.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I opened an account through XXXX, I already owned my phone so there was no problem there. I paid the first month and the bill went up in the second month for absolutely no reason. Nobody could give me a reason so I finished paying my bill and ended service. XXXX came to the conclusion on their own that I had over paid and sent me a refund via my bank account. Nothing else was said and I received no notice of owing any amount and thought the matter was closed. I checked my credit reports and there it was but through Diversified a collection agency and it was under their name. I called them and they were nice and took care of everything for me. I sent them copies of my bank statement and they considered it paid in full and took it off the other 2 credit reports but not this one. I put in a dispute and its coming back as valid. So now Im stuck with this on my report and no way to get it off apparently. So is it XXXX or XXXX thats trying to be XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Provide Equifax with a statement provided from the Ftc stating they must block items on my credit report stating they must block the items that are fraudulent. Last chance. This time I do intend to sue for defamation or character and knowingly reporting false information. Will not tolerate blatantly being disrespected by Equifax. Will not contact you because there will be no proof of call. Block information or I will sue no more games Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Under certified mail receipt no. XXXX I wrote a letter to Specialized Loan Servicing, dated XX/XX/2019, received by Specialized on XX/XX/2019. This letter concerned Final Payment of this Loan, Release of any Liens related to this loan, my dispute of two charges to my account in the amount of {$25.00} for each of the two charges, recording fee in the amount of {$92.00} and the amount of {$130.00} held in suspense. To date I have had no response to this letter. Previous correspondance on the final payments to my account had been sent on XX/XX/XXXX. 

The Statement with Closing Date XX/XX/2019 shows that the loan has been paid in full, does not explain the XXXX amount shown in the previous balance and does not explain the status of XXXX amount that was classified as suspense on the Statement with Closing Date XX/XX/2019. 

The XX/XX/2019 Statement showed a balance due to me in the amount of XXXX. The XX/XX/2019 does not account for the XXXX suspense amount and does not explain how the XXXX credit amount became 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 2019-10-13 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: ND

Complaint narrative:
The following collection account and credit inquiry is fraudulent and isnt my account or credit inquiry : Equifax Mortgage Services, XX/XX/XXXX and XXXX XXXX XXXX, {$200.00}, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-13 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: ND

Complaint narrative:
The following collection account and credit inquiry is fraudulent and isnt my account or credit inquiry : XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, {$200.00}, XX/XX/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 2019-10-13 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: ND

Complaint narrative:
The following collection account and credit inquiry is fraudulent and isnt my account or credit inquiry : Equifax Mortgage Services, XX/XX/XXXX and XXXX XXXX XXXX, {$200.00}, XX/XX/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 2019-10-13 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: MN

Complaint narrative:
The following accounts and credit inquiries are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Loans, XX/XX/2019 and XXXX XXXX XXXX, XXXX. The accounts and credit inquiries are fraudulent. I filed a police report with the XXXX XXXX Police Department. The XXXX XXXX Police Report Case NumbeXXXX : XXXX. The investigating officer is XXXX XXXX of the XXXX XXXX Police Department. The creditors listed above can call XXXX XXXX XXXX at : XXXX. XXXX XXXX is investigating the fraudulent accounts and credit inquiries.

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 2019-10-13 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: MN

Complaint narrative:
The following accounts and credit inquiries are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XX/XX/2019 and XXXX XXXX XXXX, XXXX. The accounts and credit inquiries are fraudulent. I filed a police report with the XXXX XXXX Police Department. The XXXX XXXX Police Report Case Number : XXXX. The investigating officer is XXXX XXXX of the XXXX XXXX Police Department. The creditors listed above can call Detective XXXX XXXX at : XXXX. Detective XXXX is investigating the fraudulent accounts and credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
My bmw that had the loan was stolen XX/XX/2018 over a year ago. Insurance paid out the car and I even made an extra month of car loan payment after the car was gone. Suddenly over a year later I get a collection notice that I owe 800 something dollars from over a year ago. They couldnt explain what the money was owed for or account to why. Before the fact why didnt they contact me to pay the money or tell me I even owed them anytime this past year just trying to ruin my life further for no reason like how they cant explain exactly what the money is for that they claim I even owe them. Over a year is not a reasonable time and to not give me reasonable notice or explanation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
On Thursday, XX/XX/XXXX I transferred {$800.00} to my cash app account. For some reason i received an email stating my account was closed with no real explanation. I have tried to contact CashApp several times, there is no real number to call so I have emailed several times since Thursday and have only received automated emails and have gotten no where. I just would like to get my funds out of the account. It is a total of {$800.00}. 

Attached are pics and emails received. I have tried to add a new card and bank to transfer funds and it will not accept. The email I keep receiving says it has been over a week since they have heard from me but I have not had this issue a week yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I don't have a written contract with the company ( I C SYSTEM ), nor have I in the past. Therefore, I don't owe this company anything.

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 2019-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
In XX/XX/2014, XXXX claims that I called them and accepted financial responsibility for a specific phone line, the person who placed the call had personal information about me. XXXX began sending bills to an old address of mine. Not one single call was ever placed from the billed phone line. The account went into collections in XXXX of 2014, with the collections appearing on my credit report. Numerous calls to XXXX denying that I made that acceptance call with a request for proof of a contract with my signature on it or the phone number that the call was placed from ( surely XXXX has caller ID and is aware of who made the acceptance call ) went unanswered. XXXX 's fraud department has repeatedly insisted that it was me that made the call, although they refuse to disclose the phone number it was placed from, or the fact that an old address was given that I could prove with a change of address form from the US Postal Service, or to provide me with proof of the phone call ( all calls are recorded for legal reasons ). XXXX continues to harass me with this collection, erroneously extending the date of first collection, affecting my credit score and numerous financial transactions. I will NOT pay a debt to XXXX that I don't owe, and I'm sure if this has happened to me, it's happened to others, but I'm not in a position to hire an attorney to resolve this issue and XXXX, so far, has refused to discuss the issue with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: KS

Complaint narrative:
On XX/XX/2019 I checked my balance by phone before going to the store. I noticed that my account balance was several hundred dollars less than it should be. I tried to log into the direct Express site, to check my balance, but it would not let me. I tried to contact direct Express and after several calls that could not go through due to high call volume and 40 minutes on hold I was finally able to reach someone. I asked him what the charges we and he told me there was one from XXXX totaling XXXX dollars and to call XXXX to have them stop the charges. He did not have me cancel my card or tell me that there was another charge to XXXX of XXXX dollars. I contacted XXXX who did not come up with anything in an investigation. I tried contacting direct Express for 3 days and again due to high call volumes could not get ahold of anyone. While this was happening there were 4 more fraudulent charges 2 foriegn and 2 from XXXX in XXXX  made on my card. When I finally was able to get ahold of someone she had me cancel my card, told me she was sending a new one and a package to despute the charges and asked if I wanted expedited shipping on the card for a charge to which I said no. A few days later I got an email from ups saying they had delivered my card, the card was delivered to the wrong address, and the despute packet never arrived. When I contacted direct Express about  the card being delivered to the wrong address and not receiving the packet, they said they would send a card, but I would be charged for it. I told them I should not be charged because they sent it to the wrong address, to which they said they would waive the fee and send the despute packet. On XX/XX/XXXX they charged me XXXX for expedited Shipping of the card which I explicitly said I did not want, and they never sent me a despute packet. On XX/XX/XXXX they gave provisional credits for 2 of the purchases while they investigated the charges. I still had not received the packet to despute the charges and include my police report. And they did not credit me for the 4 other fraudulent charges. XX/XX/XXXX I recieved a letter saying they had investigated and were not able to prove fraud had occurred and will be reversing my credit and be taking XXXX back from my card. Again I was never provided the packet to despute or provide further information for their investigation including a police report and the facts that 4 of the charges were in California and two out of the country in a foriegn language while I live in kansas. I am on disability and them taking the money back is detrimental to me and my living situation. I have not been able to get ahold of anyone at direct Express since  receiving the last letter. There are no family members or friends that have access to my card, all of these charges occurred while I was sleeping.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-13 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: Capio Partners, LLC
State: UT

Complaint narrative:
I was seen at XXXX Hospital in XXXX UT on XXXX XX/XX/XXXX. I had just gotten out of prison in XXXX and had no insurance. I acquired a bill of {$6000.00}. I had just started working and was only able to make minimal payments. I made my payments directly to the hospital. On XX/XX/XXXX I received a bill from XXXX for the balance due on the hospital bill. Their claim was " XXXX, XXXX is a company that is managing your account for the healthcare provider. '' At that time or shortly after ( I don't know where to find the exact date because it has changed hands again XXXX XXXX turned my account in as a collection. I have not missed one payment. I disputed the fact that no one had to collect from me. I was making monthly payments. My dispute was not validated. In XX/XX/XXXX, I received a NOTICE OF DEBT dated XXXX XXXX stating the above account, owed to XXXX Hospital is past due. Capio Partners has been contracted to collect the outstanding balance. Payments and questions should be directed to Capio Partners to insure proper credit. At that time I could no longer use the XXXX Hospital online bill pay ( it was blocked ) and I had to begin making my payments to Capio Partners and I had to pay almost double to keep the account current. I have auto payments set up again and have not missed one payment. When Capio Partners took over the debt from XXXX a new collection was reported to the Credit Reporting agencies with an adverse mark again. The only adverse mark I have on my Credit Report comes from this hospital bill and I have voluntarily made my payments, yet it continues to be a bad mark on my Credit Report and it should never have gone to collections. XXXX called themselves managers for the healthcare provider yet turned my account in to credit-reporting agencies and Capio 's NOTICE OF DEBT states " Please be advised that we may report the failure to pay the account to credit-reporting agencies. '' I have not failed to make payments on this account, yet it reflects as a collection against my credit report. Both the attending doctor and the Laboratory cut their bill significantly due to no insurance and voluntary payments being made. Once I paid them off, I started paying the hospital more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
When I go to XXXX XXXX to check my credit report they have it on my report that I still owe XXXX to XXXX XXXX .. When the car was traded in for a new car and it was paid for by the dealer. They are refusing to take this off. this is not correct. They show me as being late when it wasn't late I no longer own the car. It the title was in the dealer position. Apparently the dealer was late in getting the payment to XXXX so what does XXXX do they punish me by saying I owed them this money .. NO the payment was made by XXXX XXXX XXXX where we bought our new car XXXX They say they get their information from Transunion and rely on Transunion for the information. However Transunion shows the car was paid in full I have tried to get them to remove the late mention since I had no control over the when the dealer paid XXXX. 



XXXX XXXX XXXX Last reported XX/XX/XXXX {$190.00} Reported balance Highest balance {$29000.00} Nice! You've almost paid off 100 % of this loan OVERVIEW Highest balance {$29000.00} Monthly payment {$530.00} OpenedXX/XX/XXXX ( 1 yrs, 0 mos ) Term72 months ( 6 years ) PAYMENT HISTORY green_status green_status red_status green_status red_status You've made 67 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX green_status XXXX green_status red_status green_status Current red_status Not current Last paymentXX/XX/XXXX Payment statusCurrent Worst payment status30-59 Days Late ACCOUNT DETAILS Account statusOpen TypeAuto loan ResponsibilityIndividual Remarks -- Times 30/60/90 days late1/0/0 CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX USA

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