vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Company is trying to collect on a debt that was previously forced to be removed by CFPB. I have not signed any agreements with this company nor do I acknowledge owning any debt to this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and around XX/XX/2019 my XXXX XXXX auto loan was reporting the wrong amount owed to Equifax as well XXXX therefore an inquiry was initiated to have it corrected. The following month my auto loan account was completely erased. 
Instead both XXXX and Equifax has deleted my account completely affecting my credit score and report. I have contacted XXXX XXXX in regards to assisting both bureaus on reporting the right info to no avail it haven't been fixed. A representative from XXXX XXXX told me that my account should be reporting to all 3 major Equifax, XXXX  and XXXX correctly after XX/XX/2019. I know that XXXX and Equifax has had my credit accounts mixed in the past and has had a " mixed profile '' after my Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
The fraud model for my card consistently prevents me from using the card for everyday purchases such as gas or groceries. I receive 1-2 calls per week regarding " potentially fraudulent activity '' on my 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 explanation
Consumer complaint received 2019-11-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I gave information to the company to process a dispute. The information to verify my identity was read off a credit card billing statement. The system did not verify the information correctly and my dispute has been placed on hold. They want me to send a copy of my social security card which I will not do. This is a problem created by an Equifax representative who incorrectly input a number or card company name AFTER I READ THE NAME OF THE CREDITOR AND THE PAYMENT AMOUNT OFF OF THE PAPER STATEMENT. 

Correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/1976 I have disputed this company CREDIT BUREAU OF AMERICA SEVERAL TIMES! 
Finally i got an update ( attached ) showing that they REMOVED the account from my credit file. Soon after I received a bill showing they are still ACTIVELY attempting to collect on this debt. 

AFTER VERIFICATION AND VALIDATION was not enough to keep the debt on my credit file I find it offensive and ILLEGAL that they are now attempting to collect from me again. 

Please see to it that this account is REMOVED from ALL THREE BUREAUS AND NEVER TO BE RE-INSERTED INTO MY CREDIT FILE AGAIN. 

NOT TO MENTION MY NAME IS NOT EVEN SPELLED CORRECTLY ON THIS FRAUDLENT ACCOUNT. I HAVE PLEADED WITH XXXX XXXX XXXX XXXX  PROVIDING DOCUMENTS THAT I WAS NOT LIVING AT THE ADDRESS. THE MISSPELLING OF MY NAME SHOULD BE SOME INDICATION THAT I WAS NOT THE AUTHOR OF THIS ACCOUNT. I THEN DISPUTED WITH CREDIT BUREAU OF AMERICA AND PROVIDED THE SAME DOCUMENTATION. 

IF THIS ACCOUNT IS NOT REMOVED AND ALL COLLECTION EFFORTS CEASE AND DESIST I WILL HAVE NO OTHER OPTION BUT TO CONTACT THE ATTORNEY GENERAL ALONG WITH MY PERSONAL LAW ATTORNEY TO FILE A LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: S & S Recovery, Inc.
State: TX

Complaint narrative:
On XX/XX/2019 XXXX XXXX of S & S recovery called my job from XXXX I called her back and asked her to not call my employer again. She stated she will not and made a note to not call my employer. However today XX/XX/2019 she has again called my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
The whole process was a disaster. I'll keep it to the important details for brevity. 

I refinanced my FHA mortgage to a conventional mortgage with Citizens Bank. Their sales pitch was that it would save me {$200.00} a month. This was an escrowed mortgage. When I got my school taxes in the mail, I called to make sure they were paid. They were not. They were on file, but for some reason never paid. Also, when they sent me an escrow refund or whatever, they overpaid me back with no explanation. I called them and they said they didn't know what it is, but I should go ahead and cash it. Now my school taxes are late and they have a penalty. I am now short in my escrow account by over a XXXX dollars. I'll have to overfund it to make sure I have enough for real estate taxes. Their only answer to me ( after waiting on the phone for an hour in a half ) is that they also XXXX  up because they didn't collect enough money at closing. However, this was a no money down at closing loan! They rolled in the costs to the loan. Now I am concerned that my {$200.00} savings as promised is not {$200.00} and my mortgage balance has gone up by thousands! This was a bait and switch and had multiple mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was contacted by Navient last XXXX and told I was in default on my student loan. I explained I had only recently left college and that I had filed the paperwork for income based repayment. They told me that I had been in default on their loan for over 10 years and that I had never started repayment. Nothing had ever showed up on my credit report concerning this loan and I had never been contacted concerning this loan or the repayment. 
It took me 3 months to finally get them to follow the guidelines for my income based repayment. I started paying them through direct debit in XX/XX/2019. In XX/XX/2019they attempted to take over {$300.00} out of my account with is 6 times what my normal payment is. When I contacted them I was told it was because I hadn't filled out the paperwork for income based repayment. I explained that it was not time for me to file that paperwork again. 
I have had these issues with them repeatedly and I am concerned because I know that a large portion of what I owe them is interest concerning a loan I knew nothing about for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Avant Credit Corporation
State: AR

Complaint narrative:
AVANTCREDIT SOLD THIS DEBT XXXX XXXX   AND ONCE AGAIN REAPPEARS ON MY CREDIT REPORTS. ESPECIALLY, XXXX AND XXXX. SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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:
Credit reporting agencies are required by law to report true and accurate information on a consumer credit file. Every measure must be taken to avoid inaccuracies, false and misleading information. I have submitted proper documents involving some accounts reported fraudulently on my file. The Fair Credit Reporting Act gives me the right to request information be blocked. Every measure should be taken to prevent reinsertion of accounts once they have been removed. I have been treated like the suspect who is using my identity instead of the victim who is suffering. Experian has been acting nonchalant in reference to my issue. I have requested sign documents with my signature from Experian and Creditors involve. I have receive nothing to support the continuation of the following accounts remaining on my credit file. I have a right to know what information Experian have receive in reference to the following accounts. I should not have to suffer because someone else has open accounts in my name.

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 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2019 and XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute with Equifax. I was emailed a notice stating only that their investigation had been completed. They never notified me as to the result of that investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I sold an item on XXXX and received payment via PayPal. The item was a {$100.00} XXXX XXXX Gift Card. I received payment ( after fees ) of {$94.00} via PayPal and was able to transfer that into my bank account. 

A couple of hours after I receive payment and transfer the money to my bank account, I deliver the gift card digitally via a message to the buyer on XXXX. A couple of hours after that, the buyer opens a dispute on PayPal stating that the transaction was unauthorized. 

I am given a chance by PayPal to provide information about the purchase. I give them documentation showing the delivery of the gift card and that the gift card was redeemed. PayPal closes the dispute in favor of the buyer, and refunds them their purchase. Now they want to collect {$98.00} from me without the buyer returning the merchandise that was delivered. Not only is {$98.00} more than I received from the claim, but they are not even requiring the buyer to return the merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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:
I have been trying to buy a home so today XX/XX/19 I got my credit ran to see how much I qualified for, however, I was told that I was not eligible for any kind of loan because there were accounts reflecting badly on my credit report. I went through my credit report and none of those accounts are mine. I didn't open any of those accounts and I have never opened any type of account with any of those companies. I'm not sure who these accounts belong to or who could have got a hold of my personal information to open accounts in my name without my permission ; I have already gone to file a police report regarding these unauthorized accounts. I did not benefit anything such as money, goods, services or any other benefit from these accounts nor did I participate in any transactions or payments that were made towards these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 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: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX IT PUZZLES ME WHY THIS COMPANY ALLIED COLLECTION IS ADDING TO THE BALANCE OF AN ACCOUNT AT THEIR COLLECTION AGENCY! FIRST OF ALL I DISPUTE THE ACCOUNT. 

I AM ALMOST CERTAIN THE U.S. Fair Debt Collection Practices Act PROTECTS US FROM ACTS SUCH AS THIS. 

I AM DEMANDING THAT THIS ACCOUNT BE DELETED FROM ALL BUREAUS IT IS BEING DISPLAYED ON AS WELL AS ALL COLLECTION ATTEMPTS CEASE AND DESIST. 

XXXX XXXX AND ALLIED COLLECTIONS HAVE HAD AMPLE TIME TO RESPOND TO MY MANY DISPUTES AND HAVE CHOSEN NOT TO, BUT TOOK THE TIME TO ADD {$2.00} CONTINUALLY TO MY CREDIT FILE. 

IF THIS IS NOT RESOLVED I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERALS OFFICE AND MY ATTORNEY HAS ADVISED ME THAT WE WILL FILE A CLAIM IN COURT TO GET JUSTICE FOR 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 explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX attempted to enroll in Federally Facilitated Marketplace training through XXXX agent portal. Was told by Experian that they " could not verify my identity. '' This is really interesting to me as I own a home, have called several times, have driver 's license, military id cards, social security cards, medicare cards as well as being a XXXX XXXX XXXX   in Colorado and Florida. I am working for XXXX  XXXX during Open Enrollment. Have gone through many hours on the phone trying to get this straightened out. It was finally straightened out, I did an enrollment on healthcare.gov Friday-no issues. Was doing an enrollment last night and ran into the same thing-we can not confirm your identity. 
I have had it with these people. Experian says I put a freeze on my account-I do not recall doing so. I paid them to overnight a pin so I could get this straightened out-it is messed up again.

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 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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 been trying to buy a home so today XX/XX/19 I got my credit ran to see how much I qualified for, however, I was told that I was not eligible for any kind of loan because there were accounts reflecting badly on my credit report. I went through my credit report and none of those accounts are mine. I didn't open any of those accounts and I have never opened any type of account with any of those companies. I'm not sure who these accounts belong to or who could have got a hold of my personal information to open accounts in my name without my permission ; I have already gone to file a police report regarding these unauthorized accounts. I did not benefit anything such as money, goods, services or any other benefit from these accounts nor did I participate in any transactions or payments that were made towards these accounts.

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 2019-11-12 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 been trying to buy a home so today XX/XX/19 I got my credit ran to see how much I qualified for, however, I was told that I was not eligible for any kind of loan because there were accounts reflecting badly on my credit report. I went through my credit report and none of those accounts are mine. I didn't open any of those accounts and I have never opened any type of account with any of those companies. I'm not sure who these accounts belong to or who could have got a hold of my personal information to open accounts in my name without my permission ; I have already gone to file a police report regarding these unauthorized accounts. I did not benefit anything such as money, goods, services or any other benefit from these accounts nor did I participate in any transactions or payments that were made towards these accounts.

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 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I was billed over {$10000.00} by a hospital. All of that was paid by my insurance except for a {$75.00} co-pay. I told the staff that I could not afford the {$75.00} co-pay. They gave me " financial assistance '' forms to complete while I waited to see a doctor. I turned them in. They claim they lost them. Regardless, the debt collector has been charging me {$80.00} consistently. They never even sent me correspondence to dispute it. Although I have called and written them via their website disputing it. I also had my ( now prior ) insurance company call the hospital in an attempt to resolve. They refuse to absolve the amount claimed or seek the proper amount, pursuant to FDCPA and FCRA. They have harmed my credit on all three bureaus instead of complying with my requests and the law. Please make them pay and remove it. Thank you.

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 2019-11-12 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: TX

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 30 60 ) days late on the XXXX/XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Received mailed communication from Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX. XXXX on XX/XX/2019, file number XXXX XXXX XXXX and one on  XX/XX/2019, file number XXXX XXXX XXXX. I called their office and they said the file was closed. I spoke with XXXX XXXX she indicated the company had " pulled back the file '' on both of these matters. I asked for a written communication verifying at the present time they were not collecting a debt. She refused, I explained that the legal notice they sent me indicates I must respond in 30 days and I need something in writing from their company telling me they were not collecting a debt presently. I explained if I didn't respond on whether I owed the debt or not within 30 days there were legal ramifications, I couldn't risk not responding by mail and having them take my silence a validating the debt that tried to collect and now refuse to send me written acknowledgement of the status. I asked her to check with her supervisor, she came back on line saying they would not send anything in writing. I asked for her supervisors name and she said it was XXXX XXXX. This entire call was in the office of XXXX XXXX XXXX XXXX of Michigan 's customer service center. I had to take time off from work to try to get this bill straightened out ( 2nd time for these same bills ). The XXXX customer service representative was taken aback by this companies unwillingness to provide this documentation. I assert I have a legal right to a written status of the collection action they started against me. They refuse to provide it!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation