vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-01 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: HI

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: CA

Complaint narrative:
I have asked for validation of this account of original signed documentation of this account belonging to me. When I called and talked to them they told me that they did not have any documents of signed proof for this account belonging to me. This unverified account is hindering me from getting a Home, Employment and other assistance. 
I have sent several letters to Equifax asking them to delete this from my credit report. I called Equifax and I talked to Employer # XXXX XXXX. He stated that they do not need any proof from the original creditor. XXXX also stated that they do not investigate they only report what is being told to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01 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: MA

Complaint narrative:
This program did not offer the correct issue for this problem. This credit card had a XXXX balance for two years and by mistake I posted a payment that should have gone to my electric co. 

In XX/XX/XXXX we had paid off a XXXX/Capital One credit card # XXXX XXXX XXXX XXXX. I have documentation of that Card being paid off in full. I kept the vendor active within my ON-Line banking " pay bills '', I did not inactivate the account. 

In XX/XX/XXXX I received a XXXX XXXX ( electric ) bill for XXXX, I thought I sent the payment electronically to XXXX XXXX until I noticed a few days later, I incorrectly sent the payment to XXXX/Capital One, as P was right after N in my online billing. As soon as I noticed, I called my Bank ( XXXX XXXX ). They said to contact the vendor ( Capital One ). Capital One and XXXX  have dissolved as partners and my account no longer exists. I've written two letters with all the attachments, I've spoke to Capital One a total of 5 times since XXXX with no resolution, no help. I have the bank transaction of Capital One taking my XXXX, I can also prove that I had to pay XXXX XXXX within the next two days the sum of {$400.00}. I have the bill. I just want my money reimbursed from Capital One. I had got this dispute elevated to Monetary Research and no one has contacted me either written or by phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-01 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I mailed a letter to XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I sent the letter to XXXX XXXX on XX/XX/2018 and it was received anywhere between XX/XX/18-XX/XX/2018. I know the letter was received by XXXX XXXX because they sent a dispute update to XXXX but did not notify me by mail. According to fair Credit Reporting laws, XXXX XXXX should have provided me with a substantial documentation of verification that I owed such debt listed under account # XXXX. I also see in the notes that the account has been transferred and sold off to another creditor which has never contacted me about the debt. Because the law has been violated I demand that this account be removed immediately from all three credit bureaus. I do not want to have to take this issue to court but I will if need be. Please resolve within 15 days according to law. 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 2018-11-01 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: STERLING JEWELERS, INC.
State: TN

Complaint narrative:
I mailed a letter to XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I sent the letter to XXXX XXXX on XX/XX/2018 and it was received anywhere between XX/XX/18-XX/XX/2018. I know the letter was received by KXXXX XXXX because they sent a dispute update to EXXXX but did not notify me by mail. According to fair XXXX XXXX laws, XXXX XXXX   should have provided me with a substantial documentation of verification that I owed such debt listed under account # XXXX. I also see in the notes that the account has been transferred and sold off to another creditor which has never contacted me about the debt. Because the law has been violated I demand that this account be removed immediately from all three credit bureaus. I do not want to have to take this issue to court but I will if need be. Please resolve within 15 days according to law. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
I am having an issue with a medical bill that was apparently sent out to a collection agency ( Simon Agency ). However, I had paid the bill directly at the physician 's office. The collection agency still has me as owing the bill, even though I paid it directly at the doctor 's office months ago. 

The amount of the bill is {$100.00} I paid it using a credit card on XX/XX/2018 when I was at my doctor 's office for a subsequent visit. 

I spoke with XXXX in the XXXX XXXX Billing department on XX/XX/XXXX, and was told that I do not have anything in collections, and my account is up to date. 

However, the collection agency that my bill was sent to says I still owe the {$100.00}, and to date, I have not been able to get this marked as paid on my credit report. 

I emailed Simon Agency on XX/XX/XXXX with proof that this was paid, and additional proof was emailed to them on XX/XX/XXXX. 

I received NO response from them whatsoever. 

I sent a follow-up email on XX/XX/XXXX, and again, received no response from them. 

I submitted a dispute via XXXX, and they closed the dispute saying that Simon Agency says I still owe the {$100.00} ( which I had paid directly at my doctor 's office ) and so this item is still appearing on my credit report as an unpaid item in collections. 

On XX/XX/XXXX, I then submitted an online from found on the Simon Agency website. I received an automated response : " Thank you for submitting the contact form on our website. Please allow up to two business days for a reply from a customer service representative. If you would like immediate assistance please call us at XXXX. '' Today, XX/XX/XXXX, a full week after submitting the form, I still hadn't heard back from Simon Agency, so I called them. I spoke to someone who identified herself as " XXXX '' and was told that I'd have to wait, these things take time, etc. She was supposed to transfer me to someone else to talk to, and I was dumped into " XXXX '' 's voicemail. I left a message and have had no response. 

I have no way to get this agency to understand that I paid the bill. They are reporting that I owe {$100.00}, when in fact, I owe XXXX, because the bill was paid. The only thing they seem to want is for me to pay them the full amount for the same bill that I had already paid, otherwise, they do not respond to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC

Complaint narrative:
This debt appeared on my credit report and I have no knowledge of this debt and no one has sent anything to verify this debt. I have seen several reviews about this company attempting to collect debt that has not been disputed. I have not received anything in writing about this debt and It has been falsely placed on my credit report. Under the FCRA a client is supposed to receive notice about what goes on their credit report and the credit bureau is supposed to thoroughly review and verify these items. According to the FCRA If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This DEBT was listed as XX/XX/2018 and nothing has been received.

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 2018-11-01 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: MI

Complaint narrative:
Dear Sir, As per the Experian credit report dated XX/XX/2018, I observed that there are several fraudulent inquiries in my credit report. I do not have any business with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, GA XXXX ), these are fraudulent inquiries, fraud and misrepresentation, which were not authorized by me and also without my notice and consent. 
I have no idea, what this company XXXX XXXX XXXX stands for, why did they do inquiry in my credit file, which are associated to my name, address, social and various identification details. I do not have nay business with XXXX XXXX XXXX XXXXnd any inquiry on name, social, address and various identification details are considered fraud, crime, misrepresentation and identification theft. 
Could CFPB direct Experian to explain the reasons in written letter for these fraudulent inquiries dated XX/XX/2018 of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, GA XXXX ). Could CFPB direct Experian to answer that why did this fraudulent inquiry made when credit file was locked on XX/XX/2018. 
Could CFPB direct Experian to remove these fraudulent and disputed inquiries of XXXXXX/XX/P& C ( Inquired on XX/XX/2018 ) from my credit report, which were not authorized by me and also these inquiries were done without my consent. 
Could CFPB store my this complaints in the data base, FBI records, FTC records, crime, identification theft and misrepresentation/fraud activity records. I do not have any business with these XXXX XXXX XXXX and fraudulent inquiries for last 12 years. Also, Experian credit file locked on XX/XX/2018 and there should not be any fraudulent and unauthorized inquiries in my file. I do not have any business with XXXX XXXX XXXX for last 12 years, they are harassing me and doing fraudulent inquiries in my file using my name, social, address and various identification details.

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 2018-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
The collection account I am referring to is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX The problem is, is that I was never notified and according to the Fair Debt Collection Practices Act, 15 USC 169 2g Sec. 809 ( b ), I done owe this collection agency anything. The don't have an original application no Proof of this debt that they say I owe. They are continually moving the date back on all three of my credit reports, XXXX, XXXX, XXXX XXXX. If fact they are show two account on three of my credits reports. The first account number is XXXX XXXX for the amount XXXX the second account is XXXX for the amount of XXXX. They are an third party and they have Lack of Standing to pursue me on false accusations. I am harassed by them calling me all of the time. I request that these accounts be removed from my credit reports, ASAP after your investigation has been completed.

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 2018-11-01 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: AZ

Complaint narrative:
The company continues to take actions on my account that make my payments ineligible to count towards PSLF. 

In the Spring of XX/XX/XXXXI called because despite my IDR plan application being processed and being given an amount to pay each month they had me owing XXXX dollars more than what I qualified for. I called several times each time being told they didn't have answers for me. My account was overdue for 5 months until I filed a report with CFPB. 

Most recently, in XX/XX/XXXX I called to have paid ahead status permanently removed from my account. In XX/XX/XXXX they put my account in paid ahead status 3 times each time I had to call and have it removed and that monthly payment didn't qualify towards the PSLF because of it. Again, in XX/XX/XXXX they have placed my account in paid ahead status and my payments have not counted towards PSLF. I have called several times this year to have the paid ahead status permanently removed to be told it has been removed and then each month it still showing up on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing you because I strongly believe that I am a victim of predatory lending because of the high interest rates I am paying for my loan. 2 ) I have tried two years in a row to refinance this loan. All attempts were fruitless. I have faithfully paid my loan on time. 3 ) Each time my refinance application was denied. 4 ) This complaint is about Wells Fargo. 5 ) People involved names are unknown 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 explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
This debt has been reported on my credit report by TWO different agency 's and ii have made several attempts to resolve this issue and all the agency does is send a bill and consider that verification and its not. I pulled my fathers credit report and this debt is also on his credit report and our names are not alike and we were not co owners of any account in the past.SO how can this debt be verified if it is showing up on two different individual credit reports with two different agencies this is getting very frustrating and I have been waiting more than the allotted amount of time for a response. The XXXX XXXX XXXX   credit agencies are reporting this information as verified but how if this is on my and my fathers credit report? So whos bill is it? these are things that a thorough investigation consists of and obviously if has not been done. According to the FCRA, If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This has been going on Since XX/XX/2018 form two separate collection agencies for the SAME bill. I'm pretty sure this is a violation under the FCRA to put something back on my credit report without proper notice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dates : XX/XX/18 and XX/XX/18. Company : Experian. Problem : Completely inadequate phone/web services for lifting a freeze on a credit report.

Trying to execute a temporary lift on the freeze I have on my credit report. Calling customer service provides NO option to talk with a live person, refers you to their website, and abruptly hangs up. Automated phone options only offer two options : to order a credit report or inquire about fraud - neither of which satisfies my needs - ( XXXX ) XXXX. I called the business division since nothing else was working and received a very rude explanation about how Experian is silo'ed and the business division can do nothing to help me. That rep hung up on me - ( XXXX ) XXXX. Going through the Experian website, for the last two days I have selected the option to 'lift or remove ' a freeze on my credit report. The link is dead and takes you to a page that simply says 'loading ' but never loads. Option should be functioning for all browsers. https : //www.experian.comXXXX I went through the website to get a 'one-time PIN ' for my creditor to use to access the credit report. My creditor tried to use that PIN said it was kicked back and did not work. Horrible, frustrating service that renders the consumer unable to lift freeze on credit report. Please see XXXX reviews regarding Experian. More than two dozen reviews, only one review has anything but 1 star for all the same reasons noted above. The horrendous level of customer service reaches beyond inconvenience and is potentially damaging to consumers.

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 2018-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
CAPITOL ONE DEBITED MY BANK ACCOUNT WITH XXXX XXXX XXXX XXXX ON XX/XX/2018 FOR THE ENTIRE BALANCE OF MY CREDIT CARD {$2200.00}.

I NEVER AUTHORIZED THIS PAYMENT AND THEY ARE STATING I MADE THE PAYMENT THRU THEIR IVR AND I NEVER DID NOR DID I CALL. THEY WILL NOT RESOLVE FOR 7-10 DAYS. I HAVE OPEN A PAYMENT INVESTIGATION SINCE THEY STATED I MADE THE PAYMENT.

I HAVE CONTACT MY BANK TO DISPUTE AND STOP PAYMENT. I AM DISGUSTED BECAUSE I AM SIGNING A LEASE FOR A NEW RESIDENCE ON XX/XX/2018 AND MAY NOT BE ABLE TO HAVE MY ENTIRE PAYCHECK RELEASED.

PLEASE ADVISE WHAT STEPS I NEED TO TAKE TO RESOLVE THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I spoke with Nelnet and advised them that my loan keeps going up even though I was making payments each month on time. They told me that I would need to go into a higher repayment plan ( standard repayment instead of graduated repayment ) in order to have my payments go towards my principle. I am making payments now and am having the same issue. My payment amount is {$280.00} per month and I am paying {$300.00} and my payments are still not being applied to principal. I do not see how this is ethical. All of my other loans that I pay, I pay the same way, however, I am actually lowering my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX called Bank of America to assist me in filing a hardship as I am a victim of hurricane Michael. I am unable to work and have no income at the moment. I was on the phone for over an hour being transferred several times or not being helped. I was told only late fees could be waived and I could not get my payments postponed. They advertised online that they were helping customers with hardships and working to help in disaster relief, but stated over the phone that this was not true. I have emails that show to call BOA for assistance during this hard time and also online mortgages were allowed to be put on forbearance. No one sympathized with this horrible situation. 
Once I return to work, I will have several months due at one time which is unaffordable. I was requested to call back every month to state if i can not pay just to let them know. I was also told to call back WHEN I could pay. All my other creditors understood and did NOT falsely advertise. I had the right to request a hardship and I wasnt allowed and I am in a federal disaster area. My town is having to be rebuilt from the ground up. By not helping your customers in need you will drive our community into bankruptcy as an only option.

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 monetary relief