vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc.
State: CO

Complaint narrative:
XX/XX/XXXX receive medical treatment at : Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX === {$1100.00} === {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I paid my co-pay and XXXX XXXX Paid the balance of {$1100.00}. I resigned from my XXXX   job in XX/XX/XXXX. In XX/XX/XXXX I got a letter from collection agency for {$1100.00}. I went to the clinic to find out why they sent me to collection agency. They stated the claim was paid but charged back by XXXX XXXX. I called XXXX XXXX who stated they charged back the payment when they received notice that I resigned dated XX/XX/XXXX which triggered the charge back. I called XXXX, my previous employer about the wrong date and they corrected the date and sent it back to XXXX XXXX. I was instructed to tell the clinic to resubmit the claim for payment again because XXXX XXXX can not repay the claim until the clinic request repayment. 

The clinic office manager stated the doctor that worked at that time is no longer there and company policy will not allow them to reprocess the claim. I submitted a dispute and the reason twice to XXXX and each time they refused to verify with the clinic. 

The only result I want is for the collection to be removed from my credit. Its their right to decide not to process the claim but when they refuse to do so and XXXX XXXX is willing to pay the claim. That is there decision not to get paid. I ask that your agency call the clinic and request from them to remove the account from collection and suggest they change their policy and refile the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/2018 I am being hit with a Inquiry from wells fargo. I never made said inquiry. This is fraud. I never authorized or signed anything with this company and have no idea what they are talking about. I called them and they said best thing to do was to report here. Just want this removed from 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 2019-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
for several months i have been trying to communicate with midland credit management, asking for verification and validation of an amount they say i owe of {$500.00}. not only did they fail to respond in the timeframe allowed by Fedreal Fair Credit Reporting Act. They have now sent the bill to my grandmothers house in XXXX, New York. I was born and raised in XXXX XXXXXXXX, Va, i live here and work here, NEVER lived in new York. It is a violation for them to send MY INFORMATION to my grandmothers house, i guess as an embarrasment tactic, but i have a slew of family that would have access to this mail- aunts, uncles, cousins and not to mention my grandmother!! 

midland Funding is not abiding by the rules, as far as reporting or there tactics, the methods they are using are illegal and very actionable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Synchrony Bank allowed someone who stole my Identity to open two accounts ( XXXX  XXXX XX/XX/2015 ) and XXXX XXXX XX/XX/2015 along with a few other Synchrony Bank store cards. These account were open as part of a person who stole my identity living as me for quite some time even attempting to make payments to keep the theft ongoing. they were notified numerous times over the last 4 years about this yet stated my claims were invalid and basically called me a liar, They have since gave no relief or help in this matter and continue to ignore me. 4 years has been long enough for them to resolve this matter

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 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
I just received a phone call at XXXX XXXX  from XXXX XXXX   claiming that she was doing a curtesy call and that she was a lawyer trying to do a follow up of a complaint I made thru you guys against a payday loan and XXXX XXXX  she when I then asked to clarify who she or what company she was from and then stated XXXX XXXX  I said I should not be talking to you if your the one I am making a complaint to and that she should not be calling me she should be giving the CFPB a response to my complaint not following up to me directly regarding the complaint seeing that she also stated that she is a lawyer she should of known that and not reached out to me to question me about a complaint made to XXXX XXXX  the fact that she went behind and directly reached out to me is not what she was suss posed to do not know where's when I make this complaint nor when I submitted that complaint did it says that the person that I made my complaint about would reach out to me the CFPB stated after and in the following email that as soon as you guys recieve a response you will follow up with me of the response from the business not that the person said complaint was against would reach out to me that is a lawyer tactic she was trying to get away with thinking that I would not catch on I do feel that she reached out to me as a tactic to so called get me to incriminate myself per say by saying something not as the same for first complaint I feel she was not proper and that a lawyer with any professionalism especially someone with XXXX XXXX  would know not to call me as well as making a what she called it a curtesy call before she gave the CFPB her response the call lasted 6 minutes as recorded on my call log

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Every month when my payment is due I'm locked out of my account and get transferred to numerous places and countries trying to get access. They never gave me my store card so I have no idea what the number is. This is now the 4th month, 3rd since escalating to the " executive department '' that this has happened. I still do not have any idea what the card number is and can not get access to my account. I'm not XXXX I write down the login and passcode and it works right up til a day or so before the bill is due. It is my belief that they are doing this intentionally. They promised to waive the late fees on this and didn't and none of the issues have yet to be resolved. I ask to speak with managers and they tell me Wells Fargo doesn't have any. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-23 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: NY

Complaint narrative:
XX/XX/2018 I am being hit with a Inquiry from XXXX XXXX. I never made said inquiry. This is fraud. I never authorized or signed anything with this company and have no idea what they are talking about. I called them and they said best thing to do was to report here. Just want this removed from 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 2019-02-23 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: NY

Complaint narrative:
XX/XX/2018 I am being hit with a Inquiry from XXXX XXXX. I never made said inquiry. This is fraud. I never authorized or signed anything with this company and have no idea what they are talking about. I called them and they said best thing to do was to report here. Just want this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: NY

Complaint narrative:
I was looking through my XXXX XXXX and noticed they were fraud activity that I never authorized or signed for. 

The following inquiry 's were never made by me. 

XXXX XXXX XXXX XX/XX/XXXX is fraud XXXX XX/XX/XXXX is fraud XXXX XXXX  XX/XX/XXXX is fraud XXXX XXXX XX/XX/XXXX is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have three school loans taken out one that happens to be in XXXX ( XXXX paid and XXXX balance ) before I was even born. Then the other two on my credit report were in XX/XX/XXXX ( 1= {$3000.00}, the 2nd= {$3100.00}, both closed. But was told that they're the same one. But on my credit report it states that there different. ) I also tried to dispute those two that I never did those that I fully believe my ex-husband XXXX XXXX whom I divorced in XXXX and have a five-year XXXX XXXX against until XXXX that he committed fraud against me. I sent in document stating my case. Nothing was done and now I was garnished my XXXX taxes ( {$3.00}, XXXX ) which I was trying to use to support my XXXX kids and move out of California with and now I can no longer do. Can you please help? Not only am I financially struggling but I was also trying to fix my credit for a better future for my family and I and I am at a total loss at what to do now and nowhere to turn for help. I can't even afford a lawyer so whatever you guys can do for me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
The account in question was opened back in XXXX by an ex that is now deceased. I have reported it to the original creditor, the FTC, and informed the collection agency multiple times since it was first reported to my credit reports back in XXXX. 

Within the past year, I have contacted the collection agency and the original creditor asking for proof that I owe this debt and they refuse to provide validation. I have disputed this with the credit bureaus and they continue to state the debt was validated without providing any proof. The collection agency is reporting that the debt took place in XXXX which is false and refuses to provide me with copies of bills or invoices. 

I have written correspondence to the collection agency dated XX/XX/XXXX asking for written correspondence showing me that I owe this debt and that it is not past the statute of limitations. They sent a letter back stating it was verified and did not provide me with any proof or remove the collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
I paid this XXXX XXXX XXXX on XX/XX/, 2018 a medical debt which I had disputed. I felt like it was easier to just pay them. 

However, the debt collection calls have continued. On average, I receive 4 calls a day from XXXX. I contacted XXXX. They confirmed that the debt is paid-off. Every time I talk with them, they tell me that the calls will stop and I would be removed from the call list. However, the harassment has continued for over two months.

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 2019-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Several negative items on the report either from erroneous data or reporting of debt beyond the statues of limitation. Some debt also is not me or is not 100 % accurate. According to the section 609 of the Fair Credit Reporting Act and the Fair Collection Act there are negative items that shouldnt be reporting. I also asked for the company to show me proof of my last day of activity to verify the debt and the company was unable to show proof because they do not go beyond the statue of limitation as a company policy however the debt still hasnt been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I revelry opened an account with TD bank and once opened was told to fund the account. I did so and now TD bank is telling me that I will not have access to the funds until I can come to a branch. This is holding my funds hostage and causing a major problem with regards to accessing my money. I requested they override and put the money bank into my account and they have denied access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My father and myself have an account with Santander. On XX/XX/2019. 
I dropped off a check on behalf of my father, XXXX XXXX, XXXX to get deposited into HIS checking accout. My brother and myself are my father 's POA. They took the check, deposited it into MY account by mistake, then in turn blamed me for Financial Abuse/Fraud and called Adult Protective Services, without consulting me or asking me any kind of questions first. The bank knows me well. And knew the situation that we were in the process of doing home repairs. When the Fraud Department contacted me from Santander, they told me ( VIA telephone ) that they retrieved an old POA number on my fathers account. It happened to be my aunt, who is no longer a POA or a Trustee, ( She has since been removed of both ). They had no right whatsoever to do that. On top of everything else, Santander LINKED my father 's and my bank account together. Which yet again, my father nor myself NEVER consented to that. When I questioned why the accounts were linked, they then proceeded to shut down my bank account, without disclosing that to me, and went on ahead and closed my account and would not let me have access to the account again. Thank XXXX I was smart enough to make a few copies of the old account and clearly see them depositng the money into my account instead of my fathers. They made HUGE Mistakes. They embarrassment, humiliation, and stress that my father and myself went through ( and am still going through ) was and is horrible that it was to the point were it physically made me sick.

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 2019-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
On XX/XX/2019 a XXXX XXXX from a debt collection firm/attorney 's office named Caine Weiner emailed and called my employer by emailing and calling XXXX XXXX who is administrative Assistant to the CEO at the Company where I have worked for 7 years. ( See Attached email documents ) XXXX XXXX then emailed the email that was sent to her by XXXX XXXX to me. I immediately sent a cease and desist email to XXXX XXXX at her email XXXX. ( See attached email documents ) Then on XXXX XXXX XXXX XXXX ignored my cease and desist email to her sent on XX/XX/2019 and emailed and called XXXX XXXX again. XXXX XXXX then emailed XXXX XXXX 's email regarding some debt ( I am not even aware that I owe it as they will not reveal what it is for ) to all upper management and legal at my Company. I am in fear of losing my job over this person 's actions. ( See attached email documents )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: NY

Complaint narrative:
I was going through my XXXX XXXX account and noticed that there was fraud and things I never authorized on my account that I was told was gon na come off my account since I have no idea what they were talking about. As someone tried to steal my identity Collections that are fraud XXXX XXXX for {$870.00} is fraud and not authorized XXXX XXXX for {$770.00} is fraud and not authorized XXXX XXXX   {$260.00} is fraud and not authorized I have spoke to these companies and have informed them. 

There are also hard inquires that are fraud that I never applied for. 
XX/XX/XXXX XXXX XXXX  XXXX XXXX on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/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 2019-02-23 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Re : XXXX Continue debate over JP Morgan credit card that was issued to me put back in early XX/XX/2018 for travel. I think XXXX and JP Morgan 's plan was to keep any employees 50 and over too tired so we didn't notice that they were stealing from our credit card accounts we were working 7 days a week and 10 hours a day and my last day for working with XXXX was XX/XX/2018 yet JPMorgan kept changing the Auto machine to say different things when I called to check on my account, and I wasn't working nor using their credit card. Now starting with the auto machine it was at one time {$4000.00} that this bank had been asking for in beginning but I only had XXXX   XXXX so I sent it and at that time I was trusting that the government Bank was a good bank being a good steward staff member. A JP Morgan staff person told me the {$3000.00} was for the XXXX XXXX, so I called to XXXX XXXX  and they said they had already been paid in full. This is when I knew JPMorgan Chase bank was Bank was telling lies. Also this bank did not tell me that the hotel the XXXX  XXXX although a crooked Hotel had already taken their {$150.00} to pay for the time I had stayed there- JP Morgan owes them {$150.00} more, and JP Morgan shouldn't be just as corrupt to steal from them. JP Morgan- Chase Bank sent me invoices this bank calls them ( disputes ) but on the banks auto machine they called it my credits. JP Morgan Case Bank gave me a check for {$1700.00} attached. After I sent this bank my $ XXXX XXXX paid $ XXXX then this bank set up a credit for me, that I didn't ask for. My age is a perfect prey in fact any workers XXXX and over and XXXX -Home land Security was hoping we didn't notice what they were doing and I didn't know either until the dispute. I will let the XXXX protection know and the elderly protection know what what's going on with JP Morgan Chase Bank. I told my boss and he just cut off my XXXX-off and went into hiding. THIS lets one know this bank is corrupt and XXXX. I have put in a report with the Police. Now if JP Morgan- Chase Bank wants to go to court they can bring their invoices in strong reasonings with them. The Banks auto machine began to say I owed JP Morgan- {$630.00} then they say - I had it in credit. This amount was from a case that I won back in XXXX XXXXand I spent the whole XX/XX/2018 fussing with a JP Morgan Staff woman -XXXX  XXXX about a case that has already been settled in XX/XX/2018, ( how crazy is that? ) So I requested a man staff of JP Morgan to look over my account there at this bank. JP Morgan 's auto machine began to say that I had XXXX in credit I requested that-but never got, it then it said that I had a credit of $ XXXX so I requested that, but never got it.My $ XXXX JP Morgan wants it back I say no and we can go to court and they can bring all the paperwork and invoices I'm ready to go

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Due to the Equifax data breach, I was coerced into enrolled in their XXXX XXXX program at no charge. After 1.5 years or so, I have been informed that my free membership is cancelled. My login and password no longer worked on their website. I decided instead to put a freeze on my information. I set up a new login on their site, and had to include my full S/S number. I still could not log in to the site, and was eventually locked out. I called customer service, and the representative took all my information and left me on hold awhile. When she came back, she said ( in a very heavy accent ) she couldn't help me without more information, including my full social security number ( I had already given her the last four ). Considering Equifax 's record on security, and the fact that their call center is in the XXXX, I feel very uncomfortable giving more info to some foreign person just to unlock some bogus site. It's bad enough this company has put me in this position, but do I need to put my information at more risk?

Company response to consumer: Closed with explanation