vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
barclays has the wrong info for this acct and should be deleted # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
I attended an outpatient program called XXXX.Most XXXX hospitals don't charge you for money they can't collect from medicare.I 'm being billed because medicare wouldn't pay the full {$9200.00} this hospital billed them.I 'm on the hook for {$580.00} an amount medical wouldn't pay because I wasn't entitled to medical.This debt was incurred on XX/XX/XXXX2014.I was not told in advance I might owe a co-payment or be liable for any amount my insurance wouldn't cover.If I had been told in advance I might owe these people money I would not have attended their program.I also took steps to fill out paperwork indicating hardship originally in 2014.I was discharged from the outpatient program in 2014 over this.This isn't fair I had been convinced by the director of the program I wasn't going to have any liability because of the hardship paperwork that was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have on my credit report a inquiry from Capital one bank USA na date XX/XX/18 that I don't have no ideal of and didn't give them consent to pull my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
portfolio acct XXXX  XXXX was to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I applied for a Chase United Explorer mileage plus credit card with the promotion of XXXX mile points and XXXX off my plane ticket I purchased. I did this on XX/XX/2019. I received my statement for the amount of the original purchase price of the ticket. No discount at all. I called them several times to try and fix the problem. I was told the offer of XXXX mile points and XXXX more is what I received. That is not was the advertised promotion was when I applied for the card. I told her that's what I wanted. She then tells me that's a downgrade offer and she can't do that. What they gave me was a better offer. It's better for them if I spend XXXX dollars on a credit card. I absolutely feel this is fraud on their part. False advertising!! I cancelled the card. I still think they owe me the XXXX off that was advertised when I signed up for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: VA

Complaint narrative:
I have received 2 phone calls within 8 hours. The debt is not mine it is my fathers I understand they have a job to do but they only call just give me their name with out a company name and reason for calling till I tel them my name. My father and I have the same name which I also understand can become confusing. The two individuals that did call me as soon as I gave my name then went into a ti-raid about me owing a debt and they are a collection agency and I had to raise my voice so they would be quite and so I could ask a question which is what is the age of the person they are looking for at which time I told them that I am 30 years younger and they have the wrong person and I ask where did they get my number from they said its on the file and if I could give them my fathers phone number. I asked for the company that gave them my phone number erroneously and they said they can not give me that information I told them on the first call fine just take my number off the list, it is not his number nor has it ever been his number and they need to get the right number from the company that he is in collections for, the first lady said she would take my number off. Now 8 hours later same thing happens and I even talked the manager on duty told me the same thing and since I'm related they can not take my number off the record, which tells me that I will be getting constant harassing phone calls for something I did not even do or have control of. I have good credit and have never had issues since I was very young but for GC Services to harass me because my elderly father is a bit extreme.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX   XXXX-XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX mailed me a letter to my mothers house stating i was being sued i contacted them that i am unemployed and currently ill. they stated they would be suing me, very unprofessional I told them once i got a job i would contact city bank to pay they told me not to contact them and that they would be sueing me. it was a very harassing and intimidated phone call. Beware of XXXX XXXX XXXX they want to coerce you into paying your debt and that is unlawful for a law group to use there position to threat a citizen and bring fear upon them in order to have them pay a bill. IT is an unlawful way to collect 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 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2019, through the website XXXX XXXX I found out that an " On Site Manager '' did a credit inquiry of me through Equifax. I had not authorized any credit inquiries this year, so I immediately contacted Equifax. On or about XX/XX/2019, I called Equifax and told the representative about it. I asked him to remove this inquiry since it's XXXX and unauthorized, but the representative said he can't help me with that. 

I asked for a free copy of my credit report from Equifax. On XX/XX/2019. my credit report arrived and I found out it was XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA, XXXX ) that had pulled my credit report. This is unauthorized and I had never heard of this company before. If you look at their XXXX profile, you will find that I'm not the only victim : XXXX XXXX XXXX I called XXXX and nobody answered the phone. 

I ask for your help to demand Equifax to remove this credit inquiry from my report, and also look into this XXXX company. This link has more info about this company : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THE ACCOUNTS REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THE ACCOUNTS REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
CONVERGENT OUTSOURCING continues to try and collect money from a bill that I have no knowledge of. I have disputed their claims through XXXX and have asked to provide a bill showing the amount I supposedly owe. My request has not been completed. 

I ask that they provide a copy of the bill ( which I know they can't provide ) and I DEMAND that they REMOVE this negative information from my credit report! 

Thank you XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX , XXXX/XXXX , XXXX, XXXX/XXXX  XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2018 my XXXX  credit card was fraudulently charged three amounts {$330.00}, {$330.00}, {$100.00} I opened a disputed against a fraudster company XXXX  that tried to defraud me and after some time the fraud department of Capitalone.com refunded two charges of {$100.00} and {$330.00} closing dispute in my favor but for some unknown reason rewarded the third charge of {$330.00} to the fraudulent company XXXX and closed the case without an appeal. By doing this Capitalone.com sided with fraudulent company and assisted in defrauding my account by {$33.00}. I called multiple times to XXXX  asking to review the case and reopen the dispute but to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29 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: The Outsource Group, Inc
State: GA

Complaint narrative:
I went to see a doctor for general appointment in XXXX XXXX hospital in XXXX XXXX on XX/XX/XXXX. I confirmed before going that it was covered in my insurance. 

I paid XXXX $ copay when I went there, doctor did my XXXX XXXX without giving me any estimate and without asking me. I was told that I will have to pay only co pay. 

On XX/XX/XXXX I was shocked to see {$350.00} bill from hospital. I wrote a certified letter to XXXX XXXX XXXX hospital on XX/XX/XXXX ( attached ) mentioning above details and never got any response. Instead of reply I received letter from Collection company on MEDICREDIT XX/XX/XXXX. Again I wrote letter with certified mail to Medicredit on XX/XX/XXXX ( copy of letter attached ) and wrote that charges are not valid and asked them to send me documentation, agreement and other information asked in letter. But they never replied and sent me collection notice again on XX/XX/XXXX without providing me documentation any information. 

I sent again certified letter on XX/XX/XXXX with copy of my earlier letters sent to XXXX XXXX XXXX hospital and to MEDICREDIT and asked them again to send me verification agreement / documents that there is valid basis for claim. But again they did not provide and documents and harassing me by calling and sending collection notice. 

I am finding myself helpless in this situation. XXXX and Medicredit does not have any verification documents and threating me to report it on my credit file. 
Please help me to resolve this issue and take strict action against malpractice of Hospital .I dont owe anything to XXXX XXXX hospital , XXXX XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX/XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB 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 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have a open & active credit card account with Barclays. My credit limit is {$25000.00}. It is not showing on my credit 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 2019-05-29 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: Federal Financial Services Inc
State: NC

Complaint narrative:
I live in XXXX But i moved to XXXX in XXXX. In XXXX my car was reposessed. The car was towed and i was told i would be notified of the auction of the car and how much i would ow. I never got a call or anything by mail about my car. Federal Financial Service stated that i needed to get in touch with the towing company in XXXX. I did and they said they will send me the information about where my car was auctioned off. They never did and XXXX  reached out several times with no response. I filed a police report in XXXX for stolen car because the financial service nor the tow company told me they knew where the car was or who bought it. The tow company said they sent the financial company certified letters about where to get car before it was auctioned but financial service say they never got it. This is fraud. The car dealership was closed down due to some criminal activity and the financial company closed in my city. I have made them aware for yrs that i habe not had the car yet they continue reporting the full amount on my credit of XXXX withoit knowing where the car is or who has it i asked them to change the status from charge off to settle or just delete. They refuse to do anything. This is a huge hinderance to me as i am a single parent of XXXX kids. After this step I will sue the finance company because they have not provided any proof i should still owe this car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 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: FL

Complaint narrative:
I have sent multiple letters to Equifax I have called them multiple times Im now filing a complaint today I spoke with an agent at Equifax who yelled put me on hold for over an hour came back on the line and said goodbye and hung up. I found my identity theft report and it is terrible to be victimized by identity thieves and then again by Equifax. I sent Equifax my proof of identity including state ID Social Security card bank statements and utility bills they are also aware of identity theft report they continue to write me saying they can not find a file on these which is not true as I have a copy of my Equifax report. None of the documents I sent Equifax contain my middle name nor did any documents have my middle initial but when Equifax sends me bogus letters saying they cant find my file they always include my full name including my middle name if they cant find my file how do they have my middle name I feel like this company Equifax is not honest and they do not care about the consumers I have the right to an accurate credit report free of errors due to no actions of my own. It has been over 45 days and Equifax refuses to acknowledge their error. There is an item on my credit report that shows a charge off account the creditor is listed as XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXX I have never authorized an account with XXXX XXXX XXXX I have never been in the military there is another era that is listed as XXXX XXXX and shows an original predator as XXXX XXXX XXXX the same applies here I have never had any financial dealings authorizations or use of XXXX XXXX the XXXX XXXX account shows That it was opened in XX/XX/XXXX the XXXX XXXX XXXX shows opened XX/XX/XXXX Equifax is getting paid by these financial institution and it seems as though they work for them and do not care who they harm were their erroneous entries. I have not authorized in anyway any of these accounts and I feel like Im just a number to Equifax and they are damaging me causing me to be denied lower interest rates or financing because of my in accurate Equifax report please help in this situation contact Equifax. 
Respectfully

Company response to consumer: Closed with non-monetary relief