vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
This debts should had been covered by the hospital as i was told. And other charges I paid them as much as I could for a 5 minute visit.

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 2019-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certified Services, Inc.
State: IL

Complaint narrative:
Certified Services is causing me injury by falsely reported a debt on my credit report that I do not owe. I never signed an agreement/contract with them or used their services. They are violating my right under the Fair Debt Collection Practices Act by providing misleading information by reporting account on my credit that I did not sign up for with them. They have two accounts on my credit that should be removed. I have tried going through the XXXX, however, they did not respond to the agency, which provides an example of their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
National Credit Systems is reporting a collection account on all 3 credit bureaus credit reports. I sent them a letter on XX/XX/2018 asking for them to VALIDATE the debt. I also disputed the account with all 3 credit bureaus in which they stated the account was verified however I had not received any validation from them. They violated the FDCPA in which they continued to report an unvalidated debt. I sent them a follow up letter on XX/XX/2018 to advise them that they were in violation for continuing to report an unvalidated account and to advise them that they had failed to send me back required information that I requested. At this time, they have yet to send me any documentation but are still reporting this account. I am demanding them to comply with Federal law, and delete this account as they have failed to send me information to prove this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: SC

Complaint narrative:
I have pulled my credit reports on XX/XX/XXXX and to my findings there was this collection agency name Real Time Resolutions reporting negatively to credit bureaus XXXX  and XXXX in the amount of {$2200.00} claiming that I took out an installment loan fro a company called XXXX XXXX XXXX in the amount of {$1700.00}. Ive sent request to Real Time Resolutions for VALIDATION of the information they are submitted to the credit reporting agencies. In return they sent me a verification of bills they supposedly sent me in XXXX to an address that I have never lived at which is on XXXX XXXX XXXX XXXX XXXX SC XXXX but they never VERIFY the debt. I never receive a notice nor do I know about this debt. The VALIDATION I expected was proof of an agreement, my signature and any other LEGAL proof that I took out the alleged installment loan with XXXX XXXX XXXX and they fail to do that. I ask that this company cease reporting to my credit report and have it remove 100 % ASAP. I do know my rights and they are in violation of Section 609 of the Fair Credit Reporting Act. They failed to provide a copy of the original creditor 's documentation. The documents attach is what they sent to me after requesting validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Daily phone calls from area codes all over the country, most showing Portfolio Recovery on my phone screen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is reporting on my XXXX and Experian credit bureuas, and according to the State of California and CFPB, these accounts are no longer my responsibility. I want this account removed from both credit bureaus. 

https : //oag.ca.gov/system/files/attachments/press_releases/nXXXXcomplaint.pdf http :  //www.consumerfinance.gov/newsroom/cfpb-sues-XXXX-for-illegal-online-loan-servicing/

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 2019-01-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is reporting on my Equifax and XXXX  credit bureuas, and according to the State of California and CFPB, these accounts are no longer my responsibility. I want this account removed from both credit bureaus. 

https : //oag.ca.gov/system/files/attachments/press_releases/XXXX.pdf http : //www.consumerfinance.gov/newsroomXXXX/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I applied for the loan online, and received an automated phone call that my loan request had been approved. I was told to call XXXX to finalize the transaction. I was offered a {$10000.00} loan with a $ XXXX/month payback over 60 months. I spoke with XXXX and he outlined all the terms and conditions. I was told I would receive the funds via XXXX XXXX, but I had to pay the wire transfer fees upfront with a prepaid card. I was told to get a XXXX XXXX or XXXX card in the amount of {$360.00} and that XXXX XXXX would call me for the card information. I went to XXXX XXXX and purchased a XXXX XXXX card. On the way home from the store I started feeling suspicious that " what does XXXX XXXX want with a prepaid XXXX XXXX card? ", so when I got home ( and before I gave them the information ) started doing some research both online and with phone calls to XXXX XXXX and One Main Financial. I was told by XXXX XXXX that the MTCN numbers of XXXX & XXXX did not exist. They also told me that they do not accept XXXX XXXX gift card for payment. One Main Financial told me this is not the way they operate, they do not use XXXX XXXX to transmit funds. When I " googled '' the phone number XXXX I found other complaints of scams associated with this listing. I had never signed a loan contract - XXXX told me after I provide the card info and my funds were wired that I would be required to sign. After this research I told him that I did not feel comfortable providing any further information by phone, to please send me an email with the contract information. The email is from XXXX. This does not look like any other legal form I have signed online, and it says repayment is {$100.00} per month. So now I have a XXXX XXXX card worth {$360.00} ( I never gave information over the phone ) and no loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX {$4100.00} XXXX  {$5100.00}

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 2019-01-31 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX {$4100.00} XXXX  {$5100.00}

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 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In 2012 there was a Macys card opened under my name which I never authorized. I had been asking Macys to remove this card from my credit report and close the account as it was not me yet they have refused to do so. The account is still showing under my credit report as a charge-off when I never authorized them to open an account in the first place. I would like this account fixed and removed from my credit as it is causing problems and negative remarks under 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 non-monetary relief
Consumer complaint received 2019-01-31 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: CA

Complaint narrative:
In XX/XX/2012 there was a XXXX card opened under my name which I never authorized. I had been asking XXXX to remove this card from my credit report and close the account as it was not me yet they have refused to do so. The account is still showing under my credit report as a charge-off when I never authorized them to open an account in the first place. I would like this account fixed and removed from my credit as it is causing problems and negative remarks under 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 2019-01-31 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: CA

Complaint narrative:
In XX/XX/2012 there was a XXXX card opened under my name which I never authorized. I had been asking XXXX to remove this card from my credit report and close the account as it was not me yet they have refused to do so. The account is still showing under my credit report as a charge-off when I never authorized them to open an account in the first place. I would like this account fixed and removed from my credit as it is causing problems and negative remarks under my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: CA

Complaint narrative:
In 2012 there was a XXXX card opened under my name which I never authorized. I had been asking XXXX to remove this card from my credit report and close the account as it was not me yet they have refused to do so. The account is still showing under my credit report as a charge-off when I never authorized them to open an account in the first place. I would like this account fixed and removed from my credit as it is causing problems and negative remarks under 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 non-monetary relief
Consumer complaint received 2019-01-31 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account NATIONAL CREDIT SYSTEMS INC Opened Date XX/XX/2017 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that NATIONAL CREDIT SYSTEMS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company  they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: CA

Complaint narrative:
The Family Support Service Department has put a negative remark on my credit on XX/XX/2018 saying I previously owed money to them because my childs father decided to go to the County and sign up to receive benefits. I have spoken with their department and they have actually told me that they should have never reported that to my credit because it was a mistake. Now this has caused me a great inconvenience with new ventures I am trying to pursue and I need this removed immediately from my credit since it was their mistake.

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 2019-01-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Family Support Service Department has put a negative remark on my credit on XX/XX/2018 saying I previously owed money to them because my childs father decided to go to the County and sign up to receive benefits. I have spoken with their department and they have actually told me that they should have never reported that to my credit because it was a mistake. Now this has caused me a great inconvenience with new ventures I am trying to pursue and I need this removed immediately from my credit since it was their mistake.

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 2019-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
All this information as been given to the company many times through their online 'bankmail ' and their call in service. On XX/XX/XXXX I went online to my HSBC account and wired {$50000.00} to a dollar denominated investment account I have with my wife on the XXXX XXXX XXXX. On the form it asked do you want to send $ or GBP and I checked . In late XX/XX/XXXX I get the first statement and it has a deposit of $ XXXX.After checking with my broker to find out why it was {$2000.00} short he said they might have done a double FX. I checked with the interim bank and the account holding bank and they both said they received {$47000.00} dollars. On XX/XX/XXXX I sent my first bankmail request for clarification of the wired amount. I was told I would have to contact the 'wire room ' through their call center. As of this date I have made between 6-8 calls some of which lasted 2 hrs plus. I have never been able to speak directly with the 'wire room ' because they do not take outside calls. Some of the operators were rude and unhelpful but there were 2 who tried very hard to get me an answer. The last one did call me back twice, once to let me know she was still trying ( the wire room never got back to her in the 3 weeks between phone calls ) and the 2nd time to say she and her manager were going to give this to an executive entity that would investigate and get back to me. That was the first week of XX/XX/XXXX. It is now the first of XX/XX/XXXX and I have still heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Good morning I would like to file a formal complaint against citi bank Best Buy credit card. I had first opened this new account back in XXXX as a new customer. Upon opening this new account a received a new credit card.. I lost my credit card at the gas station which was then picked up.. not turned in and used by the individuals who picked up my card to pump gas at the gas station and make purchases without my authorization ... when I realized my card was missing I contacted citi bank reported the fraud claim and filed a police report.. the police report was filed with XXXX County police however the financial crimes unit advised me to dispute the charges with my bank due to the fact that they were minor and that ultimately they wouldnt open up an investigation unless they knew the indentity Of who stole my card ... I filed the complaint with citi bank ... citi bank never sent me any correspondence regarding this matter.. and then ultimately closed my disputed due to the fact that they didnt have enough information ... I never received any documentation in the mail to provide them the information they requested ... so in XXXX when I found out that they did not even process my dispute claim I re-opened the claim ... they advised me that they would send me the documents that I needed to provide them the additional information ... again I never received the documents ... when I checked my account again.. it shows that on XX/XX/XXXX they just decided to close my re-opened claim due to the same reason.. I would like for these fraudulent charges to be waived because I was not responsible for them.. I would also like for citi bank beat buy credit card to actually assist me with this matter and not set me up for failure by not sending no me the appropriate documents to support my claim ... this claim was handled very poorly by them and therefore I deserve to have this reviewed again and processed correctly.

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 2019-01-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted several request for validation and verification of inaccurate accounts on my Experian credit report. Experian states all are accurate and verified. After the investigations were completed I asked for the source to whom performed this verification/validation. Experian has ignored my request and now states they will not start another investigation. Experian still has not provided the requested information. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

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 2019-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was charged a {$34.00} fee in my business bank account because a {$700.00} check was returned. The reason this check was returned was that I had ordered these counter checks from my checking account but never looked and saw how they were not from my checking account but from my business checking account. The Chase Bank folks had not printed checks for the right account. This was especially bad because they had withdrawn the fee from my checking account and I had clearly told them to do it for my personal account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-31 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: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account CREDIT ACCEPTANCE CO  Opened Date XX/XX/, 2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CREDIT ACCEPTANCE CO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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