vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXXmy insurance - XXXX XXXX XXXX - paid XXXX XXXX XXXX {$100.00} for services.
<P/>
On XX/XX/XXXX, XXXX XXXX XXXX XXXX  sent to XXXX a collection item of {$100.00} On XX/XX/XXXX, my XXXX FICA score had dropped 60 points because of this collection item.
<P/>
I received no notification from the Debt Collector or XXXX XXXX that they were trying to collect this item from me.
<P/>
Nor did XXXX inform me they were posting this item and the serious effect it would have on my FICO score After a series of phone calls, XXXX XXXX confirmed the item was paid and provided the check number.
<P/>
From this same series of phone calls, the principals involved agreed it was a XXXX-up that should not have normally happened.
<P/>
I never received an explanation or an apology from any of the four participants in this XXXX-up .XXXX XXXX  XXXX -- original provider of services XXXX -- the billing contractor for XXXX XXXX XXXX XXXX XXXX XXXX -- a debt collection outfit XXXX -- Credit Bureau ... .other credit that may be involved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: AUTOMOTIVE CREDIT CORPORATION
State: MS

Complaint narrative:
I placed this account in  Chapter   XXXX  bankruptcy in  XXXX   XXXX  and BK was completed on  XXXX   XXXX . The last payment was paid on vehicle and was paid off  XXXX / XXXX / XXXX  totaling  XXXX .   XXXX  The following is what they show on my credit re port (  XXXX  ) C ollection as of  XXXX   XXXX  to  XXXX   XXXX  Debt included in Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX  They also show I was in collection from  XXXX   XXXX   XXXX  which has been shown as a negative on my report.

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 2017-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On   XX/XX/XXXX   I called  XXXX  to have them remove a debt that has been reported on my account since   XX/XX/XXXX . According to the Fair Credit Reporting Act, the credit reporting agencies need to follow the 7 year record   retention period of reporting any credit. During this phone call their dispute team representative "  XXXX  '' stated that she nor  XXXX  could remove this item. Knowing the laws and my rights, I was very unsettled to hear that  XXXX  does not look out for the consumer 's that they voluntarily report for. However, I also wanted to ensure that I was correct in my knowledge. So on  XX/XX/XXXX , I also spoke to the Attorney General 's  Office  of Colorado. During that phone call they did confirm that I was correct in my knowledge of the Fair Credit Reporting Act and that after 7 years of reporting a debt, it can no longer be reported. I would like for   XXXX   to stop reporting this de  bt ASAP according to Federal law.
<P/>  Account that is past this 7 year record retention is as follows :  XXXX   XXXX  Auto Finance Acct # :  XXXX  Original start date or reporting :   XX/XX/XXXX  Currently still on my credit report as of  XX/XX/XXXX  This same account is also being reported on Trans Union and  XXXX  with a start date for both of them  XX/XX/XXXX  I thank you for your time and look forward to hearing how you can help remove the said account   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 2017-06-09 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On  XX/XX/XXXX  I called   XXXX   to have them remove a debt that has been reported on my account since J XX/XX/XXXX . According to the Fair Credit Reporting Act, the credit reporting agencies need to follow the 7 year record retention period of reporting any credit. During this phone call their dispute team representative "  XXXX  '' stated that she nor   XXXX   could remove this item. Knowing the laws and my rights, I was very unsettled to hear that  XXXX  does not look out for the consumer 's that they voluntarily report for. However, I also wanted to ensure that I was correct in my knowledge. So on  XX/XX/XXXX , I also spoke to the Attorney General 's Office of Colorado. During that phone call they did confirm that I was correct in my knowledge of the Fair Credit Reporting Act and that after 7 years of reporting a debt, it can no longer be reported. I would like for   XXXX   to stop reporting this debt ASAP according to Federal law.
<P/>
Account that is past this 7 year record retention is as follows :    XXXX   XXXX   XXXX   XXXX    Acct # :  XXXX **** Original start date or reporting :  XX/XX/XXXX  Currently still on my credit report as of XX/XX/XXXX  This same account is also being reported on   XXXX   XXXX   and Equifax with a start date for both of them  XX/XX/XXXX  I thank you for your time and look forward to hearing how you can help remove the said account   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: FL

Complaint narrative:
We have been receiving multiple calls daily in regards to a collection. The collection amount is incorrect and we have formally in writing disputed the charges. We have also in writing asked the debt collector to no longer call us. They have continued to call both myself and my wife in addition to non involved family members. Additionally they have verbally threatened and harassed my wife in regards to the debt.

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 2017-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
BANKS OF NORTH CAROLINA N  C General statute article 22 53-282 ( b ) The licensee shall ensure that each customer cashing a check shall be provided a receipt showing the name or trade name of the licensee, the transaction date, amount of the check, and the fee charged.
( c ) A licensee shall ensure that in every location conducting business under a license issued under this Article, there is conspicuously posted and at all times displayed a notice stating the fees charged for cashing checks, drafts, and money orders. A licensee shall further ensure that notice of the fees currently charged at every location shall be filed with the Commissioner.

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 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans Union fa iled to correct wrong information on a public record, a N Y State in come tax lien causing me to lose a {$10000.00} a month contract and is now o  n Public Assistance and about to be evicted.
  XXXX   and  XXXX  corrected the information and removed the Lien on   their reports since  XXXX     2017  howeve r Trans Union r efused to do so.   The amount reported is incorrect, the address was incorrect, there was no Social security # identifying me.   This has ruined my family 's life.   I understand that as of  XXXX   XXXX ,  2017 , this information will no longer be reported.

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 2017-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have been a  Chase  credit card customer for approximately 8 years. I currently h ave 7 car ds wi th Chase -- 6 personal cards and 1 bu siness card. I have never had a late payment and I have a  XXXX   credit score .  <P/>  Two days  ago I was shopping and went to  use my Chase bu siness card. It was declined. This was very frustrating and embarrassing for me as I had no other form of payment. However, I assumed it was a minor issue. Then I went on my Chase.com account and saw that all of my credit cards were marked with " this account has been closed. '' There was no explanation and no warning. Assuming there must be some mistake, I called i nto Chase on that same day. The customer service representative at firs t had no idea what had happened. Then he put me on hold and said that sometim es Chase will do an ac count " review '' and decide to close a person 's accounts. I told him that that made no sense in my case since I have a perfect payment history, most of my cards have no balance, and I never come even close to maxing out a card. He told me that that was all the information he could provide. I was dumbstruck.  <P/> How coul d Chase just arbit rarily decide to close all of my accounts? This made even less sense to me since I have just recently opened a new account with them, and it had to be manually approved so I had just a couple of weeks ago had someone f rom Chase revie w my account and credit and issue me the new card! The only remote possibility I could think of was that I had recently made a payment to my business card that was returned because of a bank error and I was charged {$39.00} by  Chase. However, I called into Chase about th at and they reversed the charge and I made a new payment so it was not an issue.  <P/> I really ca n't believe this. I have multiple automatic payments set up with those card a nd I use my Chase bus iness card on a daily basis. I 'm now scrambling to make sure that I do n't miss payments on various subscriptions that I have set up through those accounts. I have a high income and have never had any credit issues -- no late payments, no bankruptcy, nothing. The fact that the customer service representative was n't even able to give me a reason for the closure was even more upsetting. This is absolutely humiliating and unacceptable.  <P/> The current balances  on four of my Chase cards are {$0.00}. One personal card has a balance of ~ {$2000.00}, and my busin ess card has a balance of  XXXX  {$900.00}. Neither are past due.  <P/> I searched on  XXXX  and apparently I 'm not the first person that this has happened to. Someone recommend that I file this CFPB to help get my accounts reinstated.  <P/> Thanks you, and if you have any questions please do n't hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
For the last 9 months charges ranging from {$1.00} to {$21.00} were taken from my account! I talked to people from the call center floor all the way to th e CEO 's office  to redeem these charges! They refused to recover the charges! I am filing this report to let you know how they treat their  XXXX  customers! I am a  XXXX    XXXX   patient that is hospitalized quite frequently! Chase Bank decided to tell me that this is not their fault! I should have paid more attention to my bank statement! I am trying to recover overThousands of dollars that was taken from me that  Chase refuses  to refund to me due to their 60 day policy! I only get, {$960.00} a month! There are to many charges to list in this case!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I was foreclosed on in    2008  by  CitiMortgage. As I foreclosed on I was under the impression that I can wait seven years for it t o drop from my credit but CitiMortgage reopened the case and withdrew their foreclosure on the home. I am now still showing as owner of the home but with a nonpayment of near ly ten years. I have tried a deed in leui but the bank sees my financials and just talks about keeping the home on top of me. The taxes alone will crush me so a deed in leui is not possible. The house is not habitable because it has sat for ten years vacant and with no upkeep. I have had three  lawyers and talked to every agency known to man but they all give me the same response. I cant help you but you can call ... .. agency for help. I am trying to move on with my life but I am unable to and there is no other option but to file complaints with every agency known to man. How can a mortgage company foreclose on you and then reopen and continue to ruin your life like this is ridiculous. I am in the military so I cant exercise my right to file for bankruptcy because I will lose my job.

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 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc.
State: TX

Complaint narrative:
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
While I was disputing an over charges by  XXXX   XXXX   XXXX   XXXX  for charges of DATA used by a Tablet given to me in an offered by  XXXX   XXXX   XXXX   XXXX  when I connected  XXXX   XXXX  services in my apartment,  XXXX   XXXX   XXXX  cancelled my  XXXX   XXXX  services.    XXXX   XXXX  is charging {$490.00} for breached of contract. I do not feel that I breached  XXXX   XXXX  's contract when they where the ones who terminated me.   I.C . Systems Inc. hav e reported me to  XXXX  and  XXXX  that I know. I do not know how many more.   They reported me for a debt of {$490.00}, wait a couple of months, withdraw it. Then wait a couple of months and report me again. Can they do 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 explanation
Consumer complaint received 2017-06-09 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
please i see since  XXXX / XXXX /   2013  reporting {$270.00} it is not true i need chexsystems removing that for me my phone #  XXXX   XXXX  also email  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 2017-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There were  XXXX  unauthorized atm withdrawals in  XXXX  :  XXXX   XXXX  - {$400.00},  XXXX   XXXX  {$100.00},  XXXX   XXXX  {$200.00}, for a total of {$700.00}. The withdrawals were not in the city in which I reside nor did I authorize the withdrawals. I was at work the days of the withdrawals. Once I noticed my account was low, I looked through my statements to see what was going on, and that was when I called to report the theft.   XXXX  I filed a complaint with the bank, at which point they put the money into my account. Upon reviewing my account today -  XXXX / XXXX / 17 , the bank reversed the decision to refund my account, withdrawing {$400.00} and {$200.00}, with the {$100.00} claim still under review.   XXXX  Today,  XXXX / XXXX / 17 , I filed a complaint with the  XXXX  Police Department for identity theft. I did so because the bank told me that they could not provide the information of their investigation in which they determined I was liable for the money, nor could they provide the video from the ATM. They stated that I must subpoena the information, which can be done by the police.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TH Professional & Medical Collections LTD
State: IL

Complaint narrative:
On  XXXX / XXXX / 17  I contact ed Professional Med Clctn an d spoke with a lady by the name of  XXXX . I paid Account number  XXXX  in the amount of {$60.00} using my debit card and received confirmation number  XXXX  from her. I also paid Account number  XXXX  in the amount of {$61.00}, again on my debit card and was told to use the same confirmation number. That same day I also paid with my debit card on Account  XXXX  and received confirmation number  XXXX . I was told that they would update the credit bureaus with these payments. After reviewing my credit report today, I should that they are still reporting Account  XXXX  and  XXXX  A as not being paid. When I spoke with the company, they told me that the payment that I made had been applied to an old account th at was 15 years old and t hey could not make any adjustment. When I called in and spoke with  XXXX , I specifically told her what I wanted to pay and thought that the payment was being applied to these  XXXX  accounts. At no time did I approve a payment to be applied to an account that wa s 15 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays B ank made an error in paying  XXXX   XXXX . They paid it twice.  XXXX   XXXX  receiv ed two  times what they were supposed to be paid.   I wan t Barclay ' s Bank to take back the {$3600. 00} ( ex cess money ) from  XXXX   XXXX  and return it to my account.    XXXX   XXXX  is willing to return the money but  Barclay 's Ba nk is blocking the transactio n. Insteal,    XXXX   XXXX  has sent me a check for the amount of {$3600.00 } ( amoun t owed. ) I do not want  XXXX   XXXX  to make a reimbursement by sending a check directly to me.   A check from  XXXX   XXXX  deposited into the bank creates the appearance of extra income.  <P/> I want t the excess mo ney ( {$3600.00} ) wired directly to Barclays Ban k, the same way that it was originally sent to  XXXX   XXXX .   Whenever I called they assure me that my case we nt to the executive  office and my problem is fixed. That it will take time to update it. But it has not been updated. I still owe more tha n the 6,000.00 (  special checks w ith the 0 per  cent interest until next year in  XXXX    XXXX   ). my loan amount limit from  Barclay is  {$6000.00}. Presently since yesterday  XXXX  I owe the ba  nk Barclay close to {$10000.00}.
<P/>  We have spoke  in a three way telephone conversation and they told me that it is not possible to fix the amount in question and it was not going to be returned to Barclays Credit Company. Barclay does not allow that payment back.

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