vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: LA

Complaint narrative:
XXXX is attempting to charge me for services I did not receive after the flood in XX/XX/XXXX. We were forced to relocate and was provided housing by FEMA. We lived in a hotel in XXXX XXXX for 3 weeks until we were able to find new housing in XX/XX/XXXX. I contacted XXXX and advised we would not be returning on XX/XX/XXXX. I have recently received notification on my credit report stating I owe {$420.00}. I contacted the Collections agency and was advised XXXX did not discontinue my services until XX/XX/XXXX. I explained the situation to the representative and he was extremely rude and advised he was going to mark my account as a refusal to pay. He was disrespectful, inconsiderate and provided horrible customer service. I contacted XXXX directly on XX/XX/XXXX and was provided the same information given by the Collections representative. I explained to both the representative and her supervisor we flooded and contacted them in XX/XX/XXXX to discontinue services due to this reason. Both advised there was no record of us contacting them and I offered proof of relocation and having found a new home and no longer resided in the flooded home. I proceeded to ask the supervisor why is it they are unable to provide any assistance as I was a victim of the flood of XX/XX/XXXX and no longer lived there. She stated they provided multiple types of assistance for 9 months following the flood to their customers. I do not understand how someone can be so cold hearted and disregard someone having lost everything and have to relocate their family. I advised the supervisor I am more than willing to pay whatever balance I had prior to the flood and nothing more as I am not responsible for their error. She said she would gladly take my payment but would not remove any other charges and I would have to file a dispute with the credit reporting agency and they would provide paperwork validating the services. What good is that if I am not responsible for the charges. I have contacted them everyday since for their manager only to be told shes not in the office. I have no problem paying what I may owe but refuse to pay for services I did not receive and did contact them to discontinue services. To explain to someone you dont know that you lost everything you worked so hard for over the years to only be told they have no record of contact and its possible to have more than one lease is beyond heartless. I have worked in customer service over 15 years and would never say anything so inconsiderate to someone and always go above and beyond to find a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: WV

Complaint narrative:
reported negative information on my credit report. the patient was not me or my child. The patient is an adult which i have no durable power of attorney or any other instrument to make me liable for medical bills

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XX/XX/XXXX purchased {$870.00} bank check for the amount of {$10.00} to pay rent from XXXX Webster Bank. 
XX/XX/XXXX went to bank to inquire about check that landlord had not recieved. Was told it was not cashed and that i could stop payment and have check reissued for another fee. 
XX/XX/XXXX had funds to stop and reissue. Was informed that it had been deposited in a XXXX mobile bank account ... 
Reached out to landlord. Not him. Went to XXXX bank, they sent me to police department to fill out complaint and to bring back copy of police report. 12 more days later bring report. Nothing can be done fast forward. 
XX/XX/XXXX Spoke to staff at Webster bank in XXXX banking center XXXX. Per their assistance submitted ( AFFIDAVIT AND INDEMNITY AGREEMENT ) Called several times.. 
XX/XX/XXXX was informed after calling Webster customer service that my complaint was gone. Went to XXXX Branch that day. Filled out another form, supposedly the correct one ( LOSS AFFIDAVIT FOR CHECKS ). Also providing a letter to my landlord that they can not reissue another check until investigation is finalized. 
I have called weekly some times daily and often visited various locations to inquire too no avail, other then to learn that now a third bank ( XXXX XXXX ) is also involved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-09 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: NC

Complaint narrative:
I contacted TransUnion and XXXX  multiple times about them Reporting incorrect information on my personal Credit report. I summit documents and Certified letters asking TransUnion and XXXX to provide Valid information on the Investigation of Incorrect information on my personal credit report, I asked for manner as to how this accounts were verified, who verified and for proof that these accounts belong to me, and TransUnion and XXXX failed to proved information that the Law ( FCRA ) specified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On or about XX/XX/XXXX I contacted LVNV Funding LLC, to dispute a debt they are reporting for XXXX XXXX. I am in formed them of my name : XXXX XXXX and also gave them my social and offered to submit ID and social security verification as an individual names XXXX has been using my social security number. When I called I was harassed by an individual name that XXXX who said that because the name that I provided did not match with the name on the account that she could not give me any information or take any steps to remove my information from my credit bureau. I explained to her that the reason that my name does not match his because this person took out credit with my social security number fraudulently and refused to take any steps. I requested a supervisor and I was placed on an eternal hold. this has been going on for 2 years. I put a lot of effort to clean up my credit so far have been successful with the exception of this particular agency. I feel that their misreporting and their refusal to address consumer disputes is in violation of the Fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
XXXX, with XXXX XXXX, called my ex-sister in law and left a voicemail with my personal information on XX/XX/2019 in regard to my XXXX XXXX Credit card. I was not contacted. I have previously called them and updated my phone number, address, email, etc so there was NO reason for them to call her at all. I feel it was a violation of my privacy to leave such a detailed message with someone unrelated to the issue. I would also like to add that previously they have called MULTIPLE times a day when I believe the law states they can only call 7 times a week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-09 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: U.S. BANCORP
State: MD

Complaint narrative:
Financed auto mobile XX/XX/XXXX All payments made and listed current until XX/XX/XXXX. XX/XX/XXXX Payment made XX/XX/XXXX payment reversed and returned without cause or notice XX/XX/XXXX account listed as 30 days late. US bank was notified removed late charge fee did not remove 30 days late from credit report or explain the reason for payment reversal. XX/XX/XXXX Notified US Bank of discrepancy XX/XX/XXXX again notified US BANK of discrepancy still mo change XX/XX/XXXX again notified again no change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I was on the board for a company that bought a vehicle in XXXX. I cut ties with that company in XXXX. The company stopped paying on the vehicle in XXXX of XXXX. I was unaware of the lack of payments or that my name was used on the vehicle purchase as a co-signer. I didnt receive any notice from Ally about the delinquent debt until it showed on my credit as a charge off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
I am having issues with FedLoan servicing because someone is inaccurately reporting my student record to the Department of Education. 

XXXX and XXXX are reporting my status as graduated as of XX/XX/XXXX, going back to XX/XX/XXXX, XXXX XXXX XXXX is reporting my status for XXXX College as not found because I only enrolled at XXXX and never XXXX as of XX/XX/XXXX, the Department of Education NSLDS system is reporting my enrollment status as half-time as of XX/XX/XXXX, and FedLoan Servicing is reporting my enrollment status as currently enrolled full-time as of XX/XX/XXXX. I graduated from XXXX in XX/XX/XXXX and have not enrolled at any institution since. 

XXXX, FedLoan Servicing, and the XXXX XXXX XXXX are saying this is an issue with the Department of Education. The Department of Education is saying this is an issue with XXXX and also stated that FedLoan Servicing is required to accept documentation from MIIS or XXXX to correct my student status. FedLoan servicing informed me that they can only correct my enrollment status using information from the Department of Education directly. 

Instead of being provided with a solution, FedLoan Servicing provided the suggestion of filing a School Related Deferment Waiver Form ( Form SDWFR-XBCR ). I am concerned about filing the waiver because you are only allowed to ever do this once in your entire lifetime and it has potential financial and legal ramifications. I do not feel like this is an appropriate workaround for my situation when rather the responsibility should be for the entity holding incorrect enrollment data to correct it. While I may wish to file Form SDWFR-XBCR at some point in the future, I do not feel I should be forced to file it now as a remedy to my situation. 

I spoke with agents XXXX, XXXX, and XXXX at FedLoan Servicing during multiple calls on the evening of XX/XX/XXXX. I spoke with XXXX and XXXX at the National Student Aid Information Center on multiple calls on the evening of XX/XX/XXXX. At the XXXX XXXX XXXX, I spoke with XXXX in enrollment verifications, XXXX in deferments, and their manager XXXX at approx. XXXX EDT on XX/XX/XXXX. A response from XXXX via email is also attached to this complaint. 

I do not find the current remedies to be acceptable and feel I am being punished because someone else messed up data on me that I am unable to fix. Please help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
I am currently working with XXXX XXXX XXXX to help pay off my debt rather than filing for bankruptcy. One of the accounts I enrolled in the debt repayment program is my XXXX XXXX credit card that had a balance of {$6200.00}. The collection is being handled by Gurstel Law Firm , P.C . On XX/XX/XXXX, XXXX XXXX accepted a settlement offer of {$3100.00} from XXXX to be paid in 24 months. In accordance with the agreement, XXXX had already made regular payments for 12 consecutive months. As of XX/XX/XXXX, the remaining balance on the account is {$1600.00}. However, in spite of several disputes with XXXX, XXXX and XXXX, XXXX XXXX continues to verify the following inaccurate information : ( 1 ) Balance and Past Due Balance as {$4800.00}, ( 2 ) Payment history shows " FP '' ( Failure to Pay ) from XX/XX/XXXX through XX/XX/XXXX on my XXXX Report and " CO '' ( Collection ) on my XXXX Report, ( 3 ) Payment Status as " Charge Off '' when it should be " Paying ''. As you know, in spite of the fact that the account was in collection, regular consecutive payments on the account, along with the reduction in the balance helps to improve one 's credit score, and unrecorded 12 consecutive payments is significant in terms of improving my credit score. The fact that they continue to report the inaccuracies is continuing to hurt my credit score and causing further damage to my reputation. I am therefore filing this complaint against XXXX XXXX and seeking your help in getting them to correct all three CRA reports accordingly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: Law Office of Linda Strumpf
State: CT

Complaint narrative:
On XX/XX/19 I received a XXXX XXXX alert to a new hard credit inquiry. I opened this to Law Offices of Lind Strumpf whom I googled and found is a bad debt buyer, was able to do this without authorization or approval. I have 0 accounts in bad standing and have never heard of this lawyer ( XXXX XXXX XXXX. ) ( XXXX XXXX, CT ) or company in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: NC

Complaint narrative:
I contacted XXXX and Equifax multiple times about them Reporting incorrect information on my personal Credit report. I summit documents and Certified letters asking XXXX and Equifax to provide Valid information on the Investigation of Incorrect information on my personal credit report, I asked for manner as to how this accounts were verified, who verified and for proof that these accounts belong to me, and XXXX and Equifax failed to proved information that the Law ( FCRA ) specified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I have disputed a Collections account with National Credit Systems multiple times and they have yet to send any information to me validating {$1100.00} being reported on my credit report. I have not done business with a XXXX XXXX XXXX and have no clue as to what this is. I do not owe anyone from XXXX XXXX XXXX and have asked that they supply documentation proving this account belongs to me. I have been going through this since XX/XX/2018 with no resolve and need someone to step in. When I contacted the Collections agency, the representative I spoke with had very broken English and was not able to explain to me what this is and why its on my credit report. She was extremely abusive and kept saying I knew what it was and I need to pay it as though I personally owe her money. This company has horrible customer service practices and dont even attempt to help you. I just need something from them indicating this belongs to me and for what-especially since I have no clue what XXXX XXXX XXXX is and have never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: NC

Complaint narrative:
I submitted on Multiple occasions disputed to Experian on incorrect information that appeared on my Credit Report, they incorrectly report late student loan payments and collection accounts that do not belong to me. I tried on many occasion to have them send verified information to me, of how they got the information, how provided the information, and Experian failed to provided me with complete information, and the negative items still remain on my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian Please delete the following accounts from my credit files asap due to FCRA 623 THE LAW IS VERY CLEAR CREDITORS MUST MUST enter consumer dispute message on the report delete the following accounts ASAP XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts had been updated many times and its time for you to remove them. 
ASAP THEY CAN NOT REPORT ON THE CREDIT FILE ALSO ENCLOSED HOW MANY TIMES THESE ACCOUNTS HAS BEEN UPDATED FROM YOUR COMPANY AND THESE MESSAGE HAD NOT BEEN ADD IT REMOVE IT ASAP YOU HAVE TO DO YOUR JOBS AND FOLLOW THE LAW THE LAW IS VERY CLEAR

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: OH

Complaint narrative:
I have some addresses that are not mines possibly fraudulent I have a EX girl friend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX and My DOB is XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX. 
I have a unverified account that is not accurate showing on my credit file from a XXXX FORMERLY XXXX # XXXX. this account should be deleted ASAP it is not right. I also seen an account that is not mine from some XXXX XXXX XXXX XXXX # XXXX never here of them. please delete this unverified 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 2019-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 there were 14 unauthorized Chase XXXX transactions, equaling out to the amount of {$1900.00}. {$2000.00} was transferred from my savings account to my checking account and then the XXXX transactions were sent without my knowledge. The devices that accessed my accounts on XX/XX/XXXX were devices that I have never accessed with my accounts. The two devices that accessed my account were XXXX XXXX XXXX and XXXX XXXX XXXX and device history shows that these two devices only accessed my accounts on the day my accounts were compromised. I received a text alert to my cell phone at the time these transactions occurred and called Chase at approximately XXXX PST to help me handle this situation. I then spoke with a claims representative who told me that the phone numbers used in the XXXX   XXXX transactions did not match any previous phone numbers that I have ever sent funds through quick pay with. At the end of my call with Chase they stated that I had to close my accounts and open up new ones due to my accounts being compromised, which I did. Additionally I changed my username and password for mobile banking and changed passwords to my email and mobile devices. On XX/XX/2019 I called Chase as I hadnt received any updates on my claim and the money had not been put back into my accounts. The claims rep told me my claim was invalid and gave me a vague explanation as to why. They stated that they had seen no unusual activity or password changes to my mobile banking account. I asked what the next steps would be, and they said that I had to fax proof that it was not me who made the transactions and that I had to contact XXXX themselves in order receive documents of proof. I tried contacting XXXX, the company that handles Chase XXXX  XXXX and they specifically state that they do not handle any discrepancies that have transpired through personal bank accounts. At that point I was very lost and felt that Chase was giving me different excuses in order not to take on the situation and unwilling to help get my hard earned money back!

Company response to consumer: Closed with monetary relief