vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc.
State: OH

Complaint narrative:
Twice incorrect information has been placed on my XXXX report by XXXX XXXX in Ohio. XX/XX/XXXX and XX/XX/XXXX I made two reports XXXX and report XXXX but Hire Right is not reporting I disputed the information. I was told in 15 days if the trucking company did not change their report the information would remain th same. Thus, HireRight is just a data base for trucking companies to defame and act with prejudice against truckers. I am having a difficult time finding employment due to unfair labor practices by HireRight because HireRight does not do investigations. It reports only what trucking companies choose to say although the majority of the time after my research are acts of defamation, retailiation, and discrimination. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Opened a new Wells Fargo account for a store specific line of credit to purchase large appliances. First statement arrived on XX/XX/XXXX with a minimum payment of {$61.00} due on XX/XX/XXXX. Made a payment of {$200.00} on the day the statement arrived.

On XX/XX/XXXX we logged in to the website to see if a new statement was available yet, and the website told us that our minimum payment of {$54.00} was past due for XX/XX/XXXX. The {$200.00} had been applied to our account on XX/XX/XXXX, taken off the balance of the account, but had not counted as a payment during the first billing cycle. 

Contacted Customer Support on XX/XX/XXXX and was told that we needed to not pay on the day the statement was available and that we should wait a couple days to make sure out payment is applied correctly. Late fee was waived on the condition that we made an additional {$54.00} payment that day.

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 2018-04-10 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:
There is a student loan on my bureau that I am not signed on. I contacted XXXX   and they could not find the original promissory note. I disputed this with the three credit bureaus. They left the item on my file. I had been told that the credit bureaus do not send disputes on student loans to the student loan entity but simply respond to all disputes as " consumer disagrees ''. I would hope that this is not the case. But since XXXX was unable to even produce a document showing my liability on this loan, someone in this process is guilty of negligence, if not willful negligence. 

I want this item removed from my file as provided in the Fair Credit Reporting Act. 

Account number 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 2018-04-10 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:
There is a student loan on my bureau that I am not signed on. I contacted XXXX   and they could not find the original promissory note. I disputed this with the three credit bureaus. They left the item on my file. I had been told that the credit bureaus do not send disputes on student loans to the student loan entity but simply respond to all disputes as " consumer disagrees ''. I would hope that this is not the case. But since XXXX was unable to even produce a document showing my liability on this loan, someone in this process is guilty of negligence, if not willful negligence. 

I want this item removed from my file as provided in the Fair Credit Reporting Act. 

Account number 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 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This accounts were deleted form my credit report in XXXX. It has been readded on credit report in XXXX. I have disputed this account as not mines. I have also provided a FTC ID theft form on this account. This is not a charge off. 

1. XXXX XXXX XXXX XXXX {$4100.00} Closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10 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: DISCOVER BANK
State: NC

Complaint narrative:
Dear Sir or Madam, Please help me. I am a victim of identity theft, and I am being held responsible by Discover Card for {$5300.00} in purchases that I absolutely did not make. The fraud dispute process has failed. I have been fighting with Discover Card since XX/XX/XXXX, but every time I resubmit my claim, I get rejected with no explanation. When I call, I am told that I can not speak directly with a member of the fraud resolution team because they " do not accept phone calls. '' I want to exercise my rights under the Fair Credit Billing Act ( FCBA ). I first notified Discover Card of the fraudulent activity on XX/XX/XXXX. The charges were credited from my account, beginning on XX/XX/XXXX. I received correspondence from Discover that all unauthorized charges have been credited on my account. 

But on XX/XX/XXXX, I received a letter from Discover stating that they changed their minds, and that I was responsible for all charges. They placed all credited fraud charges back on my account! 

This is a violation of the dispute settlement procedures provided by the FCBA ( 161, sections A and B ). The FCBA settlement procedures apply to fraud or unauthorized charges, which I am disputing. Federal law states Discover must resolve the dispute within two billing cycles ( but not more than 90 days ) after receiving my notification of disputed charges. Discover failed to meet this timeline, and the law clearly states that any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges even if the creditor finds the charges to be valid. 

My dispute was initiated in the XX/XX/XXXX to XX/XX/XXXX billing cycle. The dispute was not resolved within the next 2 billing cycles of XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. The disputed charges did not reappear back on our account until the XXXX billing cycle of XX/XX/XXXX to XX/XX/XXXX. Therefore, even if Discover believes these charges to be valid, ( which they absolutely are not ), under law, we are not responsible to pay the charges. 

I am attaching proof that the dispute began in the XX/XX/XXXX billing cycle, and the dispute was not resolved until 3 billing cycles later, in the XX/XX/XXXX billing cycle. 

I am also attaching the overwhelming evidence proving that the fraud charges were not authorized by me or anyone in my family. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I had received a balance that was XXXX As of last week I had a remaoning balance of XXXX in which an agreement to pay XXXX to satisfy debt and remove from my vredit report immediately. I revently received a credit monitoring alert that showed a remaiming balance of XXXX. This was not agreed upon and I also have a regarding of the agreement alomg with informed consent of the call being recorded on my behalf. I am demanding that they remove all remaining balances as well as listing on my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10 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: NY

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX certified letters were sent to Experian regarding a inquiry on my Credit Report regarding XXXX, I explained I did not give permission to pull my credit report and wanted proof of my permission rather it was on recording or by signature which I don't recall doing either.

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 2018-04-10 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: TX

Complaint narrative:
The two collection accounts below are not mines. I have contacted both companies as well as the attorney general for the state which both companies do business in. 

COLLECTIONS 1.XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 {$5500.00} 2. XXXX XXXX XXXX {$3900.00} Closed

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 2018-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
Wrote to this company multiple times whereas I asked them to stop contacting me yet they continue to do so via telephone calls and U.S. Postal Mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MN

Complaint narrative:
I received a letter today from my mortgage company, Cardinal Financial Company, telling me that " their records show my homeowners insurance expired, and we do not have evidence that you have obtained new coverage ''. This is total XXXX XXXX. My coverage has renewed as expiring. There is absolutely no reason for them to have any " records '' that show my coverage expired. This is called " forced placement insurance '' and its one of the biggest scams in the U.S. financial industry. Tell these XXXX to do their jobs and get my insurance information from my insurance company or my agent. And please investigate and sue the XXXX out of all of the mortgage company criminals and end forced placement insurance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Collections U.S.A., L.L.C.
State: WV

Complaint narrative:
This complaint is in regards to Credit Collections USA Account Number XXXX for {$30.00}, Acct Number XXXX for {$30.00}, and Account Number XXXX for {$280.00}. These are medical bills stemming from a car accident I was in sometime in XX/XX/2008 I believe it was where I was not at fault, at all. I received XXXX and XXXX therapy at XXXX XXXX - a facility in XXXX, OH and consultation with an alternative medicine practitioner in WV. All of the previous bills for this treatment were sent to the at fault party 's insurance company from that car accident who agreed to pay these bills and did pay all the previous bills resulting from this accident. I wasn't at fault in that wreck, I never agreed in writing or verbally to pay these bills nor ever did pay any bills stemming from this wreck and I'm not going to start now. I originally intended to include these medical bills in a bankruptcy I'd planned to file but upon learning that the major debt I had needed to file on was no longer held against me due to the statute of limitations I no longer need to file for bankruptcy and would like these medical bills removed from my credit immediately. If not immediately removed my next step will be to take legal action against the collection agencies for the harm they are now causing my credit. They need to go and bill the insurance company that paid all the other bills and get off the working man 's back.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I had a statement balance due XX/XX/XXXX of {$1800.00}. I had a credit of {$44.00} applied XX/XX/XXXX and made a payment of {$1800.00} on XX/XX/XXXX. I was still charged a {$14.00} interest charge even though monthly balance was paid. I called Capital One ... .and they won't remove the interest charge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Charleston Area Medical Center
State: WV

Complaint narrative:
This complaint is in regards to XXXX XXXX XXXX Account Number XXXX for {$200.00}, Account Number XXXX for {$100.00}, Account Number XXXX for {$30.00}, Account Number XXXX for {$84.00}, Account Number XXXX for {$30.00}, Account Number XXXX for {$94.00} and Account Number XXXX for {$130.00}. These are medical bills stemming from a car accident I was in sometime in XX/XX/2008 I believe it was where I was not at fault, at all. I received XXXX and XXXX therapy at XXXX XXXX - a facility in XXXX, OH and consultation with an alternative medicine practitioner in WV. All of the previous bills for this treatment were sent to the at fault party 's insurance company from that car accident who agreed to pay these bills and did pay all the previous bills resulting from this accident. I wasn't at fault in that wreck, I never agreed in writing or verbally to pay these bills nor ever did pay any bills stemming from this wreck and I'm not going to start now. I originally intended to include these medical bills in a bankruptcy I'd planned to file but upon learning that the major debt I had needed to file on was no longer held against me due to the statute of limitations I no longer need to file for bankruptcy and would like these medical bills removed from my credit immediately. If not immediately removed my next step will be to take legal action against the collection agencies for the harm they are now causing my credit. They need to go and bill the insurance company that paid all the other bills and get off the working man 's back.

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 2018-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Yes my name is XXXX XXXX XXXX I am a XXXX year old lady still working a full-time job trying to keep my home I have my mortgage through OCWEN LOAN SERVICE. MY PAYMENTS ARE {$570.00} A MONTH I HAVE BEEN SENDING {$600.00} A MONTH PROBABLY FOR THE LAST COUPLE OF YEARS I RECENTLY MAILED IN XX/XX/XXXX AND XX/XX/XXXX PAYMENT I SENT {$1200.00} THEY MAILED IT BACK TO ME AND TOLD ME THEY COULD NOT ACCEPT IT BECAUSE I DID NOT HAVE XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX PAYMENT MADE I ALWAYS SEND A CASHIER 'S CHECK OVERNIGHT IT THROUGH THE POST OFFICE AND REQUIRE A SIGNATURE WHEN THEY RECEIVE IT I HAVE COPIES OF WORD SOMEONE HAS SIGNED FOR IT AND RECEIVED IT BUT YET THEY HAVE NOT APPLIED IT TO MY LOAN AND THEY CONTINUE TO SAY I HAVE NOT MADE MY PAYMENTS AND CHARGE ME LATE FEES I WOULD APPRECIATE IT IF YOU COULD HELP ME GET THIS RESOLVED. I hope I did this all correct I am not up-to-date too much on all this computer stuff but if you need any more information just please email me and I will get my daughter to help me do what I need to thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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:
Transunion has not been reporting information sent to them from my credit agencies, XXXX XXXX which on my report is XXXX XXXX XXXX XXXX also known as XXXX XXXX is being reported to.the other two bureaus XXXX and XXXX as of XX/XX/2018, Everytime there is information sent to the bureaus transunion time and time again does not and is not reporting information being sent to them

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 2018-04-10 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 disputed hard inquiries on my Equifax Credit Report two times and Equifax responded saying they will not investigate and for me to contact each company that pulled my credit directly. It is Equifax responsibility to validate/investigate the information with these companies, but there is a lack of responsibility on there part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
I took out two loans, one for XXXX and one for XXXX. they want me to pay back 4 times the amount for either loan. I have already paid them back double. Loan documents are attached. I believe poor people are preyed upon and these are unfair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I received a collection notice letter today, XX/XX/XXXX ( letter is dated as XX/XX/XXXX ) by Penn Credit Corporation, saying I owe {$840.00}. I had received a similar letter by them in XX/XX/XXXX regarding a debt about a car I have never owned in a state I only lived in when I was XXXX years old. When I called them, they asked me odd questions, such as if I had bought a car in a different state, if I smoked tobacco from another state or if I've won the lottery or gamble. In both letters I've received from Penn Credit, My last name is incorrect. I'm not sure if this is a case of identity theft or not, but when I contacted them, they told me to contact the IRS to dispute this debt. This debt isn't from the IRS and doesn't make sense. However, I did call the IRS in XX/XX/XXXX and they could not help me with this. I'm not sure what else I need to do, since I've begun to receive this debt notice, once again. I did email them today ( XX/XX/XXXX ) to dispute this claim. I'm hoping it is settled, however, I've read a number of disturbing complaints against this company regarding false debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This account is holding my credit hostage for a balance I do not owe. XXXX closed this account in XX/XX/2013 it was paid, equipment was returned. NO balance was due or is due. I have contacted IC Systems to remove it and they just re-reported the debt as brand new like an account that is due and owing. Even if I did owe money Utah has a statute of limitations of 4 years and this has long since expires. They are barred from collecting the 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
Consumer complaint received 2018-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX certified letters were sent to XXXX   regarding a inquiry on my Credit Report regarding XXXX/XXXX, I explained I did not give permission to pull my credit report and wanted proof of my permission rather it was on recording or by signature which I don't recall doing either.

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 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is posting duplicate on my report it should be only be listed once.

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 2018-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I was broken into 3 times to my apartment. The 3rd time the burglar took my important documents which resulted in taking my XXXX XXXX credit card. I was unaware as I wasnt using the credit card anymore. After some time I received mail that my account was in collections. To avoid this getting reported to the collection beraus I tried paying it off but I then noticed the charges werent mine.

Company response to consumer: Closed with explanation