vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I was XXXX in XX/XX/2013. Was seen in XXXX Hosp. ER. The hospital failed to send bills to Workman 's Comp. They had the info when I was seen. Now I have collection agency bothering me. I spoke with collections and explained that these were not my bills. I gave them the name and phone number of the payor. These still sit on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have disputed the following fraudulent inquiries on my credit report but yet the credit agencies are still reporting and marking as updated, even after I reached out to each company individually, claiming that its all on the credit agencies. However, in accordance with FCRA if one is not provided physical evidence then the accounts should be removed. The following inquiries being disputed are, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX / XXXX, XXXX XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have disputed the following fraudulent inquiries on my credit report but yet the credit agencies are still reporting and marking as updated, even after I reached out to each company individually, claiming that its all on the credit agencies. However, in accordance with FCRA if one is not provided physical evidence then the accounts should be removed. The following inquiries being disputed are, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX / XXXX, XXXX XXXX, and 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 non-monetary relief
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting a charge off on my credit report from an old credit card debt. I requested this company send me proof of the debt and they have yet to respond, I requested proof through the credit bureaus and they updated my profile saying it was my debt without showing me proof that the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i just became a young adult ( XXXX years of age ), i went to the bank to see if i qualified for a credit card so i could establish my credit score because as of right now i currently have no credit score. something was wrong with their system that day ( wifi ) i didnt get approved. and now as of right now i have 4 hard inquires on my credit report. only 1 of the 4 were authorized with my permisision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The following accounts has been disputed a few times, and Never once has any of the following companies nor credit reporting agencies ( Transunion, XXXX ) sent me any  physical verification of these accounts as promised by the FCRA/ law. However, the reporting agencies in opposition of the FCRA will only update my report without physical verification, these are the accounts in dispute ... 1 ) XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
XXXX XXXX website is MISLEADING and DECEITFUL. Does not clearly show or state hard inquiry will be placed on consumer file. Only ask for last 4 digits of SSN. Disclaimer is not clearly visible to consumer. In its disclaimer using small print, using the words lender MAY pull credit file. Nowhere before beginning the application it states that the lenders MAY or WILL be pulling your credit file. Asking for last 4 digits of SSN is not a clear indication to the consumer that an hard inquiry will be placed on credit file, Submitted a complaint on website no response. Please visit XXXX XXXX website and start an Auto Loan application to better understand my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: DISCOVER BANK
State: NY

Complaint narrative:
i just became a young adult ( XXXX  years of age ), i went to the bank to see if i qualified for a credit card so i could establish my credit score because as of right now i currently have no credit score.  something was wrong with their system that day ( wifi ) i didnt get approved. and now as of right now i have 4 hard inquires on my credit report. only 1 of the 4 were authorized with my permisision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My daughter XXXX XXXX XXXX opened a credit card account ending in # XXXX in XX/XX/XXXX at XXXX XXXX XXXX XXXX. She added me as an authorized user. I requested and she removed me from the account on XX/XX/XXXX by XXXX. She was 30 days late on her payments in XX/XX/XXXX and this is reflected on MY Equifax credit report and looks like I had a late payment. This is my second request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
I have had automatic mortgage payments set up on my account for years with XXXX/XXXX/IMPAC Mortgage. I have not cancelled them nor has my bank account information changed nor has my account contained insufficient funds at any time. Yet XXXX/XXXX/IMPAC has not drafted payments for multiple months now due to unknown reasons starting in XX/XX/XXXX. 

I was first made aware of the problem after receiving a condescending letter in the mail in XX/XX/XXXX scolding me for not paying my mortgage - no voicemails or emails were received prior to this. I called XXXX 's customer service on XX/XX/XXXX, made all payments over the phone that I was advised to in order to bring my account current. I was told automatic payments were set up correctly and would resume. I also asked if there had been any negative reports made to credit bureaus as a result of their error and was told they would look into it and make sure it was rectified if there had been. 

Automatic payments did not resume as I was told, and I again received a letter on XX/XX/XXXX saying my account was past due. I AGAIN called, sat on hold, and made payments over the phone that I was told were necessary to bring my account current and again I was told that automatic payments would now resume this time. I was also told that there has been negative reports from XXXX   to credit bureaus regarding my account but customer service was unable to do anything about it on the phone. I asked to speak to a manager and the manager told me I would have to open a support request to fix this. 

I opened a case on XX/XX/XXXX and still have not gotten a response. I contacted the company again on XX/XX/XXXX without a response. Meanwhile my credit score has plummeted from XXXX to XXXX all due to this companies negligence and no fault of my own. The amount of time and effort I am being forced to spend to rectify this company 's errors is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following accounts has been disputed a few times, and Never once has any of the following companies nor credit reporting agencies ( XXXX, Experian ) sent me any physical verification of these accounts as promised by the FCRA/ law. However, the reporting agencies in opposition of the FCRA will only update my report without physical verification, these are the accounts in dispute ... 1 ) XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX   XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Included in my 39 page complaint. Equifax re ages alleged XXXX Charge Off account. XXXX  report attached. I have a XXXX credit score with XXXX and Equifax violation of laws is intentional causing DOCUMENTED emotional and financial hardship. Loss of credit and ability to obtain credit. Equifax has deleted Charge off XXXX account 5 times and re places on my credit report without notification or notification of re insertion. No XXXX  UCC11 SHOWS my name under no debt owed. Certified copy from the state of Michigan shall be available within two weeks. I have Equifax on 5 FEDERAL VILOATIONS OF THE FCRA act, Attorney General of XXXX   has been notified 3 times now of Equifax 's violations. Will be taking further action if not removed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Collections on my credit report inwhich I have no knowledge of, the following accounts has been disputed, however, I was never provided any physical verification as promised by the FCRA. According to the FCRA if the disputed items is not backed up with physical verification then them accounts shall be removed. The following accounts are XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NH

Complaint narrative:
These student loans are under federal fraud investigation that i have filed with My State, the XXXX and Department if education. These matters were placed on hold by President Trump and the  Department of Education for over a year. These fraudulent loans giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NV

Complaint narrative:
I have an unverified account from Enhanced Recovery. I had previously disputed this account. I have never done business with Enhanced Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Enhanced Recovery provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Enhanced Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
These student loans are under federal fraud investigation that i have filed with My State, the XXXX and Department if education. These matters were placed on hold by President Trump and the Department of Education for over a year. These fraudulent loans  giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.

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 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
These student loans are under federal fraud investigation that i have filed with My State, the XXXX and Department if education. These matters were placed on hold by President Trump and the Department of Education for over a year. These fraudulent loans giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
These student loans are under federal fraud investigation that i have filed with My State, the XXXX  and Department if education. These matters were placed on hold by President Trump and the Department of Education for over a year. These fraudulent loans giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.

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 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am sending this complaint against XXXX 's incorrect negative reporting on my credit reports. I have attempted to have this issue resolved with XXXX 's through filing a dispute with the credit agencies and to no avail. The problem that I have with the statements received from XXXX 's states that my payment due date is on the XXXX of each month ... I am just going to list one of the statements billing cycles as an example ... This is the one that a 30 days late was reported on my credit report for XX/XX/XXXX. The billing cycles shows from : XX/XX/XXXX to XX/XX/XXXX, now from this billing cycle a " consumer '' would think this billing cycle is for XX/XX/XXXX. With that being said, how could my billing due date be for XX/XX/XXXX when this billing cycle goes beyond the XXXX? My next question of concern, how is this cycle billing for the month of XX/XX/XXXX when it covers the month of XX/XX/XXXX? How can XXXX 's expect a customer to make their payments on an account before the cycle ends? 

I feel as though XXXX 's billing and reporting is 'fraudulent '' and very " deceitful ''. This company should not be allowed to impact negatively on a consumer 's profile report and get away with this type of fraud reporting. Perhaps, they should look at how their statement cycles are calculated. 

Overall, I am so unhappy and disappointed with their overall calculating and deceitful reporting ... I am currently in the process of accessing funds so that I will totally pay off this debt and NEVER shop or do business with them ever again. Word of Mouth is very damaging to a business ... It is my intent to apprise any and everyone I can as to how this company chooses to conduct their business.

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 2018-06-03 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My Td bank debit card was charged for Unauthorized items. 

{$22.00} on XX/XX/XXXX XXXX  {$130.00} {$210.00}. On XX/XX/XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NV

Complaint narrative:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I have an unverified account from IC SYSTEM. I had previously disputed this account. I have never done business with IC SYSTEM. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC SYSTEM provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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