vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of  accounts that are reporting on my credit report. Last few months, I have requested investigation & reinvestigation because I felt the items above were not being reported legally. Few days ago, I received a new letter stating that your reinvestigation was complete. Please explain to me how you conducted your investigation!This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. Please respond accordingly                                 

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 2019-08-20 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2019-08-20 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: FL

Complaint narrative:
On XX/XX/XXXX I made two payments to each of my accounts. Capital one debited my bank account four times. Only two payments were credited to my credit card. I made two more payments on XX/XX/XXXX and none of those payments were credited to my capital one account. Capital one claims to have refunded one of my payments on XX/XX/XXXX. My bank statement shows no refund, only withdraws from capital one without posting these credits to my credit card account. I have provided evidence and proof on four separate occasions through verbal banking confirmation via representatives and physical statements to their fax which they have confirmed receipt of transmission. Capital one has not provided any refunds or credits to my account. Instead they added manual payment adjustments of over $XXXX along with late fees for "non payment" as well as interest. I have NEVER been late and 3 out of 4 representatives were very rude and unhelpful

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I XXXX XXXX, have tried to settle my debt by explaining my permanent XXXX  and XXXX XXXX challenges, I am extremely frustrated as a consumer, where I can't seem to find a solution to this adverse debt.I have had a surgery, which now has me on a XXXX XXXX. I want to comply with a solution to this matter, but financially I am strapped, keep in mind I am already at a very old age, where health improvements based on my XXXX XXXX are extremely low, slim to none.My XXXX  was back this past XX/XX/2018 do to a XXXX, and I am going back for a XXXX XXXX really soon.I am now on XXXX XXXX so my only option if you cant help me is a bankruptcy chapter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: MS

Complaint narrative:
I am writing this due to non-compliance with the (Equifax, XXXX ,XXXX). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: Merchants' Credit Guide Company
State: IL

Complaint narrative:
XX/XX/2019 Regarding false collection activity from - Merchant 's Credit Guide XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX I'm filing this complaint today, to bring to your attention, the actions of Merchant 's Credit Guide. This company is a XXXX-based collection agency that has placed TWO collection account actions on my XXXX   and XXXX credit reportsts. As a result, my credit scores have dropped almost 80/50 points, respectively. 

After further investigating these reports, specifically speaking to the company that Merchant 's Credit Guide claims I owe ( XXXX XXXX XXXX ) I've learned from from them there is NO RECORD IF  ME/SERVICES RENDERED TO ME/BALANCE OWED BY ME on file. 

XXXX XXXX XXXX Billing - XXXX, XXXX I've also spoken to the insurance company that paid all of the workman 's comp claim from last XXXX XXXX injury and they stated that they have - NEVER BEEN INVOICED BY XXXX XXXX  XXXX   and that every claim was paid in full. 

This collection company is clearly COMMITTING FRAUD. Not only are they misrepresenting an organization in an effort to try and steal money from me, but they're refusing to correct this matter until a payment arrangement is made. 

I'm asking that you take action against them immediately. I'm also interested in learning what recourse I may have, as a result of what happened to my credit score. 

I can be reached XXXX XXXX. / XXXX XXXX. Central Time, Monday through Friday. XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: DE

Complaint narrative:
The following accounts were reported as accurate and verified. They will not tell me how they verified these accounts what information they obtained. I would like them deleted because I have no knowledge of these accounts and they are inaccurate.Experian Report#XXXXXXXX XXXX XXXX,TX XXXXXXXX XXXX XXXX file#XXXXXXXX XXXX XXXX,PA XXXXXXXXXXXX XXXX XXXX,GA XXXXXXXX XXXX account#XXXX Charge off balance $XXXXXXXX account#XXXX charge off balance $XXXXTXXXX account#XXXX******XXXX charge off balance $XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/2019 I sent XXXX.XXXX, XXXX XXXX, $XXXX, via Pay Pal for a puppy for my daughter XXXX. So far I have not seen a dog. I have Emailed them and I have XXXX XXXX Instant messaged them. So far there is no response. Is there anything you can do to help me? I can’t afford to loose $XXXX On XX/XX/2019 I filed a dispute with Pay Pal, It was closed on XX/XX/2019 with no resolution to the problem!Transaction Date: XX/XX/2019Payment Amount: $XXXX USDRecipient: XXXX.XXXXTransaction ID: XXXXCase Number: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Credit Bureaus are reporting erroneous information 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 non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
There is a collection on my credit report from a Southwest Recovery Service, that lists the original creditor as the same name with a date of XX/XX/17. I have absolutely no clue what this is for. I have never taken out any account with this business and never received any bills or notices that I had a debt with this company. I do not think this debt belongs to me and if it does I believe it has been illegally re-aged and placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
For the second time, upon attempting to log into Navy Federal Credit Union's website to pay my auto loan a few days late, I've been presented with a sparse webpage that claims that I've been put into delinquent status, locked out of my account, and told that I must pay both this and next month's bills, all at once, to regain access. This is untrue; clicking through a small link lets you view your accounts, and to also view the actual amount that is late and due. To a casual observer, however, it would appear that one must pay twice the expected amount! This is misleading and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I have been trying to get my VOM for Loancare for over a month, I have been assured several times that it would be delivered.  The latest supervisor (XXXX) XXXX   XXXX told me XXXX XXXX today...and to call back if it was not done.  Now, XXXX XXXX and he won't even return my calls - I am a paying customer and do not derve this kind of treatment.  I was told it would be here by noon last Friday by a supervisor, the next one hung up on me, and several customer service reps also because I said I would hold instead of getting a call back another company canned lie.  Why do people want to hold you may ask, because I have put in 10 hours with Loancare since Friday the XXXX!  As of now still do not have the request the customer is asking for...it says complete on their end, yet never received on my end.  A XXXX 12 year old can resend a fax/email  Loancare = XXXX!XXXX XXXX - is just a number to make you feel good - more XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I am on Income Based Repayment for my student loans.  I was given incorrect information over the phone, and verified this information multiple times with different people, about when the interest amount would be added to the principle amount of my student loan.  I acted based on this incorrect information, and due to that, the interest was added to the principle because I missed a deadline.  My loans are now growing at a faster rate because the interest amount each month is now greater, and my income based payment amount does not cover the interest that accrues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: MS

Complaint narrative:
I am writing this due to non-compliance with the (XXXX, XXXX  ,Transunion). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-08-20 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing this due to non-compliance with the (XXXX, Experian ,XXXX). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX SOC SEC # XXXX   DOB XX/XX/XXXX ADDRESSXX/XX/XXXX, FL XX/XX/XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida XX/XX/XXXXUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XX/XX/XXXXXXXX XXXX XXXXXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX XXXX XXXX SOC SEC # XXXX   DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK
State: CA

Complaint narrative:
I satisfied my debt on XX/XX/XXXX.  The law office that handled the collection placed a lien on my home and as of XX/XX/XXXX, the lien has not been removed.  This has prevented me from obtaining title insurance and prevented me from selling my home.My county recorders office informed me that the law office had improperly completed an Acknowledgement of Satisfaction of Judgement and therefore, the lien cannot be removed.I contacted the law office on XX/XX/XXXX and informed me of the problem.  They told me to have the title company send them a "demand in escrow" which they did immediately.  The law office never responded to this demand.  I have contacted the law office numerous times but they will not respond to any of my e-mails.  I finally received a response on XX/XX/XXXX where XXXX XXXX, director of operations stated that they would re-file the proper documentation but only after their notary returns the following week but to date, nothing has been filed and the law office won't return e-mails or give me any updates.  I reported the lawyer to the  California State Bar for misconduct and I sent a copy of the complaint to the lawyer.  I received an e-mail from the lawyer in 11 minutes stating that they intended to file the correct paperwork however, this has not been done as of this date.  This is holding up the sale of my home and I have now lost the pending sale.  My debt was satisfied 3 years ago and the Lawyer has the obligation to remove the lien from my property.  California law requires the lien to be removed within 15 days of the debt being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Credit Bureaus are reporting erroneous information 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 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Credit Bureaus are reporting erroneous information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc.
State: CA

Complaint narrative:
I have never heard from this company about the alleged said debt they placed on my credit. Once I contacted them- they added two more accounts to my credit. I was in the middle of financing when the company USCB America placed an account on my credit in the amount of $XXXX XXXXI wrote them a dispute letter immediately by way of certified mail and included a copy of my police report. I have been a victim of fraud. I knew it was not my debt.... according to my credit it says the bill came from Kaiser. I do not have XXXX for health insurance. I have XXXX XXXX and my wife has XXXX XXXX so I am double covered so to speak. Anyway, I have not heard back from USCB America in regards to the alleged debt and its been over 60 days.... now they have added 2 more accounts to my credit. They have my contact information because I disputed the first collection account, now they have added 2 more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: IL

Complaint narrative:
Equifax; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX/XXXX – partial account number XXXX.  (Please see page 15 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MS

Complaint narrative:
XX/XX/2018 a purchase was made at XXXX XXXX in XXXX  Louisiana in the amount of $XXXX. The account used was my daughter's checking account number, but my name was listed as if it was my account. The bank, XXXX of MS, detected fraudulent activity on the account and contacted my daughter and stopped payment and closed the account. I received notification from collection agency and went to my local bank and the officer at the bank called the company and explained to them that I was not on the account that was used. I am continuously getting phone calls and currently unable to write a check anywhere that XXXX  is used. I have submitted all documentation that they have asked for. A police report was filed by my daughter. This was never my account. I have never been to XXXX LA or purchased anything from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: GA

Complaint narrative:
XXXX XXXX AND XXXX XXXX HAS INFORMATION THAT DOES NOT BELONG TO ME REPORTING ON MY PERSONAL CREDIT REPORT. I REQUESTED THEY UPDATE OR REMOVE THE INFORMATION BUT THEY REFUSE TO DO SO.

Company response to consumer: Closed with explanation