vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I've been locked out of my Experian reporting. I have a paid membership and answer all my sign in questions. After entering my login info, I'm subsequently redirected to a page with a contact number and PO box . I called their customer service line countless times and it hangs up on me after every prompt. I've used each phone option that is offered. I have a paid membership and have been locked out of my account, and can't access information. I wanted to receive a copy of my reporr and am unable to do so. Furthermore I wanted to freeze my account due to suspicious activity and I can't do so without access to my account and their phone number is not helping. They want me to send info to a PO box but this is a security issue and have been given no info on how the information will be processed. Credit reporting is a necessary financial tool and I'm upset at the amount of disorganization and hurdles must be gone through just to access this necessary tool.

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 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Plus Inc
State: NJ

Complaint narrative:
22 inquires on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: TN

Complaint narrative:
I AM A VICTIM OF IDENITY THEFT. I SENT INTHE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX   CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPLEN BY THE THEFT AND NOT ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 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: OH

Complaint narrative:
I received Emergency Care on XX/XX/2019 at XXXX XXXX XXXX XXXX. When the bill arrived, I applied for financial assistance due to poverty level income. I was granted assistance and received a letter dated XX/XX/2019 indicating that all services provided on XX/XX/2019 were paid and the accounts considered closed. On XX/XX/XXXX I received a statement from XXXX XXXX XXXX attempting to collect on services provided at XXXX XXXX XXXX XXXX in the amount of {$240.00}. I contacted XXXX XXXX XXXX XXXX XX/XX/XXXX after receiving the statement from XXXX XXXX XXXX and was told the account was closed and no amount was due. I contacted XXXX XXXX XXXX the same day and disputed the billing and asked for proof of debt. I indicated I had a letter stating the account was paid, and that I had contacted XXXX XXXX XXXX XXXX and was told I had a XXXX balance. I was told that because I was treated in the ER on XX/XX/XXXX, I owed the bill and was provided no further information why or where the bill came from. I again stated there must be an error and I wanted proof of debt owed. 
On XX/XX/XXXX I received a bill from HRRG for the same {$240.00}, after not having been provided any proof of the debt from XXXX XXXX XXXX. Fair Debt Collection Practices Act states that I have the right to obtain validation of debt information in order to ensure the information 's accuracy and I have been denied that right by XXXX XXXX XXXX. I was in turn passed on to a collection company instead of providing me with the information that I am due. I contacted HRRG to explain that I had already spoken with XXXX XXXX XXXX and disputed the debt. Again, I requested proof of debt, this time from HRRG, but was told there is no proof they can provide other than a duplicate of the bill I already have from XXXX XXXX XXXX. I would like proof of debt in the form of an itemized statement from XXXX XXXX XXXX XXXX, showing what items I am still owing for. XXXX XXXX XXXX XXXX is unable to provide me with that information, because they indicate my account is paid in full.

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 2019-09-03 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

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 2019-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was offered a settlement on my capital one credit card I paid the settlement offer but capital one is still reporting that my credit card is still overdue amd that I still owe money on it amd they wonr remove the negative item or update the account to say its paid it's just sitting there as if I haven't done anything to resolve the issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 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:
This account was paid in full and has XXXX balance. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: KY

Complaint narrative:
On or about XX/XX/2019, I disputed an accidental charge made on my NetSpend pre-paid card. They immediately canceled my card which meant from that instant I had NO access to ANY of my money. After I reported the dispute, I had to call the customer service number to get a new card sent to me and I was told I would be charged {$10.00} for a new card! This is because the only option they have for disputes is to mark the customer 's card " reported lost or stolen '', which is incorrect. 
On XX/XX/2019, after they still hadn't resolved the dispute on my card and I found that I can't just purchase a new pre-paid NetSpend card *without loading money on it at the time of purchase*, I finally broke down and ordered a new card for {$9.00}. I also paid an extra {$20.00} for 'expedited shipping '. 
Today 's mail came - still no card. I now have three of my bills that are sending me emails they couldn't process my card because of these idiots and I'm almost out of gas as well and as I mentioned before, even tho my direct deposit hit my account on XX/XX/2019, I still have NO access to my account or money and they STILL haven't resolved the dispute!

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 2019-09-03 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

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 2019-09-03 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: Consumer Portfolio Services, Inc.
State: NJ

Complaint narrative:
fraud inquires on report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: LEXISNEXIS
State: NJ

Complaint narrative:
Hello im complaining to the public record who illegally entered and shared information without my permission to the credit bureaus. Lexus nexus and XXXX have a partnership. I request to have this attested. My personal information should not be shared. I request it be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: FL

Complaint narrative:
This account was paid in full and has XXXX balance. Please remove it from 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 2019-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: MI

Complaint narrative:
I received a communications regrading a settlement involving predatory lenders who illegally are charging higher interest rates than allowed by the applicants state of residence. This entity file a lawsuit against similar predatory lending on behalf of consumers regarding the unethical lending practices. The lawsuit indicated the lender violated federal and various state laws by ( a ) making and collecting loans with annual interest rates in excess of the amount allowed by state law, ( b ) lending to consumers when these entities were required to have a license from a state to lend to consumers and they did not have that license, ( c ) services or collection activities, ( d ) their involvement in and support of other parties conduct. This lender is operating under the same guidelines. The loan documents I received are deceptive and indicates the laws of the state of Utah will govern the loan. I reside in XXXX. The name of the companies are XXXX XXXX doing business with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: Credit Plus Inc
State: NJ

Complaint narrative:
fraud inquires on report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
fraud inquires on report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I was offered a settlement on my XXXX XXXX credit card I paid the settlement offer but XXXX XXXX is still reporting that my credit card is still overdue amd that I still owe money on it amd they wonr remove the negative item or update the account to say its paid it's just sitting there as if I haven't done anything to resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
I HAVE BEEN TRYING TO RESOLVE THIS ISSUE SINCE XX/XX/2018, WHEN OCWEAN SET UP MY LOAN MODIFICATION. AFTER PHH TOOK OVER EVERYTHING WENT FROM BAD TO WORST. I RECENTLY RECEIVED A LETTER IN THE MAIL, AS DID MY HUSBAND, WE RESPONDED THE SAME DAY, WE MOST DEFINITALY WANTED A FACE TO FACE TO FINALLY STRAIGHTEN THIS ALL OUT. WE HEARD NOTHING BACK, CALLED ESCALLED IT TWICE AND STILL NOTHING. THIS WEEKEND WE RECEIVED A FORECLOSURE NOTICE AND THE POSTMAN LEFT A NOTICE TO PICKUP MAIL AT THE POST OFFICE, MY HUSBAND WENT TODAY AND IT WAS TWO MORE LETTERS TO SET UP A FACE TO FACE. I CALLED, PN HOLD 34 MINUTES THEN THE LINE HUNG UP, CALLED BACK, THE NME ON THE LETTERS AND THE EXTENTION WERE NOT RECOGNIZED BY THE SYSTEM. I WAS UNABLE TO GET THROUGH TO AN OPERATOR BECAUSE HER BOX WAS FULL?? I AM SO IRRATED BY THIS WHOLE THING AND DESPERATLY NEED TO HAVE SOME INTERVENTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This account was offered a settlement and I paid that settlement in full and capital one refuses to report it as paid in full it is still reporting as past due and outstanding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
In XX/XX/2019 I purchased a MoneyGram for {$260.00} to pay my car loan to XXXX XXXX XXXX XXXX. XXXX XXXX never received the Payment. They did an exhaustive search and could not find it. I then went back to MoneyGram to find out what happened to the Money Order. They sent me a copy of the Paid Money Order and said they paid XXXX XXXX. I went to XXXX XXXX to recover the money and they said they could not help me. I then filed a complaint with CFPB against XXXX XXXX and they responded with a letter that they could not help me, I need to contact MoneyGram to help me. I had done that already and they told me to go after XXXX XXXX. I am attaching all my correspondence that I sent to CFPB with my complaint against XXXX XXXX plus my Complaint against XXXX XXXX and XXXX XXXX Response Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: GA

Complaint narrative:
please remove i have letters and emails attached that show no proof of me attending the school that is all rolled up into my student loans - my experian report stated that i agreed in writing that it was removed in error and i never agreed to any sort of thing i need proof of this what is showing in writing

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 2019-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Credit & Finance, Inc.
State: FL

Complaint narrative:
I have an account with XXXX XXXX XXXX XXXX. I have been paying on the debt for 9 months. I need to change the arrangement but the number they give you to call XXXX answers, puts you on hold for two minutes, then says voice mailbox is full then ask u to press 0 for someone else when you do it again says the mailbox is full.The website www.atlanticcreditfinance.com only allows you to file a complaint but nowhere to access your account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 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: IN

Complaint narrative:
I have a female put things in my name without my consent and without me authorizing and acknowledging, there are 2 credit cards in my name along with money from XXXX XXXX. I want them removed and deleted, I dont have access to a credit card, nor have i shopped and used one. I want this done and immediately i keep getting notifications from places that i never even shopped at. The girl had access to my info because she and I were dating and when we broke up she went on a rampage in my name because she was unable to do it herself which is not fair to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: IN

Complaint narrative:
I have a female put things in my name without my consent and without me authorizing and acknowledging, there are 2 credit cards in my name along with money from XXXX XXXX. I want them removed and deleted, I dont have access to a credit card, nor have i shopped and used one. I want this done and immediately i keep getting notifications from places that i never even shopped at. The girl had access to my info because she and I were dating and when we broke up she went on a rampage in my name because she was unable to do it herself which is not fair to me

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 2019-09-03 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: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Hello im complaining to the public record who illegally entered and shared information without my permission to the credit bureaus. XXXX XXXX and XXXX have a partnership. I request to have this attested. My personal information should not be shared. I request it be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I leased a new ( XX/XX/XXXX ) XXXX XXXX XXXX in XX/XX/XXXX. At the time of the lease contract, I purchased an extended maintenance plan for 36 mos/36,000 miles at a cost of {$490.00}. I had been bringing my car to the same dealership for all maintenance ( which was, essentially, just standard items like oil changes and tire rotation ) for the past two years, without issue. I was informed in XX/XX/XXXX that the original dealership was no longer an authorized GMC dealer and that they had closed permanently ( no explanation why ) and that I should move my account to the next closest dealer. When I went for my regularly scheduled maintenance visit, I learned that the new GMC dealer I'd been assigned ( XXXX XXXX XXXX in XXXX XXXX, CA ) has no record of this maintenance agreement, despite my showing them a copy of the lease contract where it clearly states I'd paid for it and how many months/miles it covered. The contract says the maintenance agreement was with XXXX XXXX XXXX ( XXXX also happens to be the name of the financial institution that holds my lease - but they also offer extended warranties and maintenance plans ). I reached out to XXXX, and they have NO RECORD of my having a maintenance plan. Which leads me to believe the most likely scenario that the XXXX XXXX XXXX XXXX dealer pocketed my {$490.00} and never actually bought me the maintenance contract. This fraud may have something to do with why the dealership closed, I have no idea. But I know that I want to get what I paid for, or get my $ refunded since I should have until XX/XX/XXXX or XXXX miles, whichever comes first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Dear Sir or Madam : I recently obtained a copy of my credit report from Equifax Credit Report and found the following item to be in error : Citizens Bank ATTN :  XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX Account # : XXXX Amount : $ {$11000.00} On XX/XX/2017, Citizens Bank and I agreed to a settlement of {$3500.00}. However, Citizens Bank continues to report this loan and unsettled/written off which is directly effecting my credit score. I have spent several days trying to resolve the matter but Citizens Bank continue to ignore the matter. 

I am officially writing o CFPB and asking for assistance because my efforts have gone now where. I have also reported these to the 3 credit reporting firms for dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation