vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 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 tried to refinance my car today XX/XX/19 and I was told that I was unable to do so at this time because there are some accounts reflecting badly on my credit report. I took a look at the accounts and none of them are mine. I did not open any of these accounts I never allowed anyone to open them in my name or with my personal information. I don't know who these accounts belong to but I never benefitted anything from them being open in my name such as money, goods, services or any other benefit. I do not have any relationship/contract with any of these companies and I never authorized them to access my credit nor personal information. I have already filed a police report regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: VA

Complaint narrative:
On XX/XX/XXXX, I was informed by a lender with whom I was attempting to refinance my mortgage that there was a negative mark on my credit report. Specifically, and entry was made on my credit report that a collection was reported for {$730.00} by XXXX , XXXX on XX/XX/XXXX. This came as a surprise as in XX/XX/XXXX I had received a credit score in excess of 800 with no negative marks. 
I called XXXX who informed me that the debt was in relation to a visit to XXXX XXXX XXXX Hospital in XXXX or XXXX of XXXX. I did not recall ever receiving any such bill for the visit in XXXX, and so I asked XXXX what address the bill was sent to. I was told that it was sent to an address that I last lived in XXXX of XXXX. A simple XXXX search will show my current address and so it is clear that no attempt was made to confirm the address or else I would have received notice of the collection activity. I received none. In fact, I to date still have not seen a bill for the service. This seems to be a clear example of debt " parking '' on behalf of XXXX and XXXX XXXX XXXX Hospital. XXXX said if I would pay the bill over the phone and then dispute the issue with the credit reporting agency that they would confirm that they had sent the bill to the incorrect address. 
I paid the amount owed over the phone ( despite still not having received a bill ), and filed disputes with all three major reporting agencies. I have since received results that they have simply updated my report to show that the amount was paid in full, but the collection activity remains. I've been able to make contact on the phone with at least one agency ( XXXX ) who confirmed that they did not actually investigate my claim that I never received a bill, but instead brought the dispute to conclusion when they saw the amount was paid in full. It is clear that this must be the case with the other two as well. 
For the record, I do not believe that I had ever been to XXXX XXXX XXXX Hospital ever before the visit at the end of XXXX. I recall filling out several forms that included my current address. I had been a patient at XXXX XXXX Hospital XXXX in the XXXX time frame, and assume that the billing department at XXXX simply used the old address that was in the system for my years earlier visit to XXXX Hospital XXXX rather than the updated address information that I provided to the receptionist in XXXX on my visit to XXXX XXXX   Hospital. 
I am now having difficulty in receiving credit from mortgage providers as I attempt to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: VA

Complaint narrative:
On XX/XX/XXXX, I was informed by a lender with whom I was attempting to refinance my mortgage that there was a negative mark on my credit report. Specifically, and entry was made on my credit report that a collection was reported for {$730.00} by XXXX , XXXX on XX/XX/XXXX. This came as a surprise as in XX/XX/XXXX I had received a credit score in excess of 800 with no negative marks. 
I called XXXX who informed me that the debt was in relation to a visit to XXXX XXXX XXXX Hospital in XXXX or XXXX of XXXX. I did not recall ever receiving any such bill for the visit in XXXX, and so I asked XXXX what address the bill was sent to. I was told that it was sent to an address that I last lived in XXXX of XXXX. A simple XXXX search will show my current address and so it is clear that no attempt was made to confirm the address or else I would have received notice of the collection activity. I received none. In fact, I to date still have not seen a bill for the service. This seems to be a clear example of debt " parking '' on behalf of XXXX and XXXX XXXX XXXX  Hospital. XXXX said if I would pay the bill over the phone and then dispute the issue with the credit reporting agency that they would confirm that they had sent the bill to the incorrect address. 
I paid the amount owed over the phone ( despite still not having received a bill ), and filed disputes with all three major reporting agencies. I have since received results that they have simply updated my report to show that the amount was paid in full, but the collection activity remains. I've been able to make contact on the phone with at least one agency ( XXXX ) who confirmed that they did not actually investigate my claim that I never received a bill, but instead brought the dispute to conclusion when they saw the amount was paid in full. It is clear that this must be the case with the other two as well. 
For the record, I do not believe that I had ever been to XXXX XXXX XXXX Hospital ever before the visit at the end of XXXX. I recall filling out several forms that included my current address. I had been a patient at XXXX XXXX Hospital XXXX in the XXXX time frame, and assume that the billing department at XXXX simply used the old address that was in the system for my years earlier visit to XXXX Hospital XXXX rather than the updated address information that I provided to the receptionist in XXXX on my visit to XXXX XXXX   Hospital. 
I am now having difficulty in receiving credit from mortgage providers as I attempt to refinance.

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 2019-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX, I was informed by a lender with whom I was attempting to refinance my mortgage that there was a negative mark on my credit report. Specifically, and entry was made on my credit report that a collection was reported for {$730.00} by Medicredit , Inc. on XX/XX/XXXX. This came as a surprise as in XX/XX/XXXX I had received a credit score in excess of 800 with no  negative marks. 
I called Medicredit who informed me that the debt was in relation to a visit to XXXX XXXX XXXX   Hospital in XXXX or XXXX of XXXX. I did not recall ever receiving any such bill for the visit in XXXX, and so I asked Medicredit what address the bill was sent to. I was told that it was sent to an address that I last lived in XXXX of XXXX. A simple XXXX search will show my current address and so it is clear that no attempt was made to confirm the address or else I would have received notice of the collection activity. I received none. In fact, I to date still have not seen a bill for the service. This seems to be a clear example of debt " parking '' on behalf of Medicredit and XXXX XXXX XXXX Hospital. Medicredit said if I would pay the bill over the phone and then dispute the issue with the credit reporting agency that they would confirm that they had sent the bill to the incorrect address. 
I paid the amount owed over the phone ( despite still not having received a bill ), and filed disputes with all three major reporting agencies. I have since received results that they have simply updated my report to show that the amount was paid in full, but the collection activity remains. I've been able to make contact on the phone with at least one agency ( XXXX  ) who confirmed that they did not actually investigate my claim that I never received a bill, but instead brought the dispute to conclusion when they saw the amount was paid in full. It is clear that this must be the case with the other two as well. 
For the record, I do not believe that I had ever been to XXXX XXXX XXXX Hospital ever before the visit at the end of XXXX. I recall filling out several forms that included my current address. I had been a patient at XXXX XXXX XXXX XXXX in the XXXX time frame, and assume that the billing department at XXXX simply used the old address that was in the system for my years earlier visit to XXXX XXXX XXXX rather than the updated address information that I provided to the receptionist in XXXX on my visit to XXXX XXXX  Hospital. 
I am now having difficulty in receiving credit from mortgage providers as I attempt to refinance.

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 2019-10-04 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 tried to refinance my car today XX/XX/19 and I was told that I was unable to do so at this time because there are some accounts reflecting badly on my credit report. I took a look at the accounts and none of them are mine. I did not open any of these accounts I never allowed anyone to open them in my name or with my personal information. I don't know who these accounts belong to but I never benefitted anything from them being open in my name such as money, goods, services or any other benefit. I do not have any relationship/contract with any of these companies and I never authorized them to access my credit nor personal information. I have already filed a police report regarding these unauthorized 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 2019-10-04 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I rented a home that offered a vacation rental with clenaing fees for pets put on as an additional charge, and the original cleaning charge being included in the base rent. As a guest, the landlord claims I caused damage. In dispute, I asked for PRE photos and the landlord provided none, thus being unable to substantiate the claim. As well, the landlord blamed me for things which should be included in regular cleaning fees. He cited cause for cleaning the couch at an abnormal rate of {$75.00} which is an excessive amount of hours to pay for one half hour extra of work in vacuming a couch. As well the pet fees were over {$200.00} and would've covered any excess time for their specific concerns. I submitted the dispute for chase to review and they never even contacted me to receive my proofs of the landlord unsubstantiating the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX  XXXX XXXX XXXX, XXXX  XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( 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 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 2019-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I disputed the debt and requested evidence it related to me in any way and no response and I learn they reported on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: TX

Complaint narrative:
There was something ordered on my card from XXXX that was never received. XXXX originally told me on several occasions that they would refund me, then they started saying to dispute it with my bank. Which I did however capital one keeps allowing them to pull payments from my card. They said that they are not able to block them even though I never received an item from this company. I am afraid to pay my card off because they keep charging me. Capital one sent me new cards and told me that they would block them at one point then they went back on there word. they attempted to charge my card on the following dates : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I do not have any of their items. They have said the closed the account due to non-cooperation however they did said we had to do anything. They have no proof they we ever received an item from them. I even have the card locked and the still allow them to try and pull money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
On XX/XX/2019 I submitted a payment through XXXX   payment portal. When making a paying the " Payment Source '' minimum payment value was XXXX because this value was nearly double what my normal payment was I assumed I had missed a payment. After further research I discovered I had not missed a payment so I called " XXXX XXXX XXXX XXXX, XXXX '' and spoke to a lady named XXXX who helped me the best she could. She agreed that I had not missed a payment but stated she could not refund me the amount I overpaid. It seems that their payment portal does not have a reliable minimum payment value for their drop down which could cause users to give the wrong minimum payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim 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 2019-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: IN

Complaint narrative:
I started at XXXX XXXX in XX/XX/2008 and did not finish my degree. I have student loans and the college has since closed. My loans were sent to collection company as I could not afford the HIGH payment they wanted me to pay. I am currently making {$14.00} monthly payment to collection because they have withheld my Tax return. I have asked several different times of lowering my payments to a reasonable amount and can never get anywhere? I would figure they would work with me instead of not getting paid. I just received a phone call from XXXX stating my loan was accepted into the Navient lawsuit and to call this number for 90 % loan forgiveness and gave a ref # XXXX to use when I call back. I'm not sure if that is a scam. I owe over {$30000.00} In student loan debt as I'm not saying I don't owe this but these companies will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: NY

Complaint narrative:
I am a victim 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 2019-10-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.

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 2019-10-04 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The funds totaling {$790.00} were refunded to my account and I received a letter dated XX/XX/XXXX from Capital One stating : " We're happy to tell you that your fraud investigation with Capital One is now resolved. '' Over a month after that communication, they rebilled my account, again, for {$790.00}. Capital One said the dispute/fraud did not fall within the parameters of their contract with Visa and that I had to seek recourse outside of Capital One. Capital One confirmed they have not tired to reach XXXX XXXX to dispute this transaction. Today, XX/XX/XXXX, they tried for the first time but were unsuccessful reaching anyone at XXXX XXXX. 
They agreed they should not have processed the transactions on XX/XX/XXXX when I replied to the text notification from Capital One that these were not valid charges. They have no intention to take any other steps to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
Wow. Dont even know where to start. And I dont want a canned/form response from them in 15 days. I want legal/government action taken against this company. Please let me know the avenue to initiate that. There are so many dates, times, and details about how theyve been treating me illegally, that I dont even know where to start. 
I'm a XXXX XXXX XXXX  that has never written a review, never missed a payment on anything in my life - including this loan, but I also have never run across a more despicable company in all my years. They lie, stall, refuse to do what they say - such as " a manager will call you back in 48 hours ''. I  don't even have the words to describe what a terrible company this is. They have been screwing me for 3 months solid now, and i can't even talk to an adult manager. I've called them at least a dozen times in the last 3 months and asked to speak to a manager several of those times, and i've never been allowed to talk to someone who sounds like they are over 18 years old. 
XXXX : 237 reviews. 1.3 stars average. 
XXXX XXXX : 77 reviews. 1.1 stars average. 
XXXX : 65 reviews. 1.0 stars average. 
Yikes. This could literally be the worst company in the world. 
At one point in this 3 month nightmare, a manager told me that I did not have to sign the paper saying they could charge me {$900.00} for an appraisal. He said I could send in an appraisal done by an appraiser of my choice and save money on the appraisal. That phone call was recorded. This serves as notice of pending legal action, meaning it is illegal to delete or destroy that phone call or any other records. 
The appraisal I sent in shows a $ XXXX value. My balance is $ XXXX. That is a 77 % loan to value. There has been significant appreciation since the home was purchased, and $ XXXX worth of interior Improvments have been invested in the property also. 
REMOVE THE PMI NOW.

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