vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-14 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:
I am a victim of identity theft. There are several items listed on my report that do not belong to me. I have tried several times through disputes to have them removed ; yet they are still on my report. XXXX XXXX XXXX remains on Transunion and XXXX report. XXXX remains on Transunion, XXXX and XXXX reports. XXXX XXXX remains on XXXX report. And unauthorized inquiries remains on all three. I have attached my ID Theft form. Please remove these items within four business days as legally obligated under the FCRA. All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

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 2017-11-14 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: TX

Complaint narrative:
I am a victim of identity theft. There are several items listed on my report that do not belong to me. I have tried several times through disputes to have them removed ; yet they are still on my report. XXXX XXXX XXXX remains on XXXX and XXXX report. XXXX remains on XXXX, XXXX and Experian reports. XXXX XXXX remains on XXXX report. And unauthorized inquiries remains on all three. I have attached my ID Theft form. Please remove these items within four business days as legally obligated under the FCRA. All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

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 2017-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Just saw on report a collection that should not be there. The amount of {$1400.00}? To a Medical Center was a fraudulent use of my card. This took place in XXXX. I live in XXXX NEVER was in XXXX.We canceled the card

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 2017-11-14 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: IN

Complaint narrative:
TO WHOM IT MAY CONCERN, XXXX/XXXX/XXXX I SEEM TO HAVE A HUGE PROBLEM WITH XXXX MORTGAGE COMPANY. THEY ARE NOT REPORTING TO THE CREDIT BUREAUS OF MY PAYMENTS MADE ON MY HOME AND THIS IS AFFECTING MY CREDIT. I FILIED BANKRUPTCY ON XXXX/XXXX/XXXX AND IT WAS CHARGED OFF ON XXXX XXXX. IN THE BANKRUPTICY IT CLEARLY STATES THAT I WAS KEEPING MY HOUSE AND HAVE BEEN MAKING ONTIME PAYMENTS FOR 3 YEARS AND 6 MONTHS. MY LAST LATE PAYMENT WAS ON XXXX XXXX, XXXX AM DISPUTING THIS. THEY WILL NOT ACCEPT A REAFERMATION AGREEMENT. MY LAWYER DREW UP AN REAFERMATION AGREEMENT AND THEY REJECTED IT BECAUSE IT WASNT DURING THE BANKRUPTYCY TIME PERIOD. I NEVER WAS GIVEN REAFERMATION PAPERS FROM XXXX TO SIGN DURING THE BANKRUPTYCY, ENCLOSED ARE THE STATEMENTS FROM XXXX MORTGAGE OF MY PAYMENTS MADE. I WANT TO THEM TO REPORT TO THE BUREAUS SO I CAN CONTINUE REESTABLISH MY CREDIT. 
Also. Please check to see if pnc mortgage was charging me interest on my home during this time period during the bankruptcy period! 
Please include credit report if possible!

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 2017-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
The issue with this " company '' is more than just repeated calls, it involves all the other issues that were added as options, but it only let me choose one. I just got a call at XXXX today XXXX XXXX XXXX. But I 've been called before XXXX, after XXXX, and even on XXXX. This is a company that I have spoke to on multiple occasions and after fruitless attempts to explain that I paid my insurance out of pocket maximum and do not owe these medical expenses, I have told them to no longer contact me. And yet they still call ... XXXX times within this past month alone. The number is usually ( XXXX XXXX XXXX, and that will be the number I 'm referring to in my complaint. 

I 've been dealing with this for almost 3 years at this point. They have sent debt collection mail to my in-laws home, which I have never lived at and have no idea how they have their address. This is not something I have ever consented to. Additionally I have been told that if I do n't pay this debt it will reflect negatively on my credit report, even if I already paid my obligatory insurance out of pocket costs. I 've told them to send me information proving that I owe this debt and that they are the ones who are legally allowed to collect on this supposed debt. I have yet to see a single piece of paperwork for either. 

This last call I received is the final straw and is what is leading me to complain. The woman I spoke to was aggressive and accusatory. She called me a liar when I said I had already spoken to both my insurance company AND this company. Obviously I 've been dealing with them for almost three years, I 've definitely spoken with both entities to get this straightened out. 

She demanded that I pay. She did n't ask me to pay. In fact, her first intro to me was, " Will you be paying this debt with a credit card, check, etc ...? '' The amount was for a little over $ XXXX. I told her I was n't paying it at all since it 's not debt I owe. And that 's when she got aggressive. Her voice changed, as well as her attitude. She said that she " knows '' what the insurance company said ... despite accusing me of lying about speaking with them. She claimed that she would be writing all sorts of things down in my " file '' that I never even said. She said the call *may* be recorded and I truly hope it was.

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 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed multiple times in providing me with the physical and original documents they have in their files pertaining to an alleged medical account ( XXXX XXXX and XXXX XXXX that they are reporting. I have questioned Experian regarding the validity of this account as well as to insure me to me that no HIPAA Law violations were acted upon a numerous of times and I simply receive the generic statement from Experian stating - " The information you disputed has been verified as accurate. '' Yet I have not received any proof as to how they are determining this alleged account to be " accurate. '' It is to my understanding that in accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through PHYSICAL verification of the original signed consumer contract of all accounts you request that are being reported on my credit report. Experian has FAILED to do this! 
This law is very clear as to the Civil liability and the legal resources available to me for the " negligent noncompliance '' ( FCRA - Section 617 ) if Experian continues to fail at complying with this federal 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 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have asked Experian to remove the incorrect public record listed on my credit file and they 've yet to provide me with adequate validation of this filing listed against me. 

I am asking that Experian follow suit and delete this public record from my credit file, as another credit reporting agency, XXXX, has found that this information was indeed inaccurate and has since removed the delinquency from my file with them. 

I have proof to submit showing that XXXX has found a discrepancy in this delinquency and has no longer reported this bankruptcy on my credit file with their company. I am asking that Experian either submit proof of their VALIDATION ( not verification ) of this bankruptcy or remove it from my credit file as it has caused me extreme emotional and financial distress.

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 2017-11-14 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello. Me as well as my partner and Im hearing co-workers have a continuous issue with XXXX bank Salary at sea card issued to XXXX XXXX cruises employees. Since we work for the cruise company clierly we travel a lot and quiet often having problem withdrawing money from ATM or making payments ( is being declined and banks charging you for that ) whether is restorant shop or online. Every time have to call the bank and they say you are in high risk area but they will fix the issue XXXX Ive never complain about any unauthorised transactions and keeping my card details safe ) however its never being fixt right away and you find yourself being embarrassed and looking for solution ( that often coast you more ) how to make a payment at restorant or shop or whenever you might be at the time. So you have to call them again ( from foringh country that calls are expensive ) and then they say that in that case you must wait XXXX-48h. So now you are abroad in situation where you need money but cant get any because of your banks issues. Nevertheless often XXXX.dont solve the issue and you still not able to get any money from ATM so you have to call them again and again. Often happens you simply cant even access your bank because it wont accept your call since you keep trying to call them it says you reached num.of tries. So you just spend you vacations stranded in one place with no money and not able to reach your bank nor that it helps when you do. Imagine situation where you find your self on a night out and not being able to pay your bill then you taking a taxi to ATM but any transaction being declined. Let me be clear-that not just happend once or twice its a constant sruggle even if you tell them you planing to stay in the country for a month few day later your card is not working again.

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 2017-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Moxley & Associates, LLC
State: FL

Complaint narrative:
Moxley & Associate LLC have failed to comply with my numerous prior validation request sent to them, in direct violation of Title 15 U.S.C 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: ONLINE Information Services, Inc.
State: KY

Complaint narrative:
XXXX This number " XXXX XXXX '' Calls Every day. MANY times a day, trying to speak to a " XXXX XXXX '' no such person is here, or ever has been. 
Its a Credit card place of some sort wanting me to open accounts. 
I speak to them, tell them no such person is here and remove my number. they do not, and call EVERY DAY starting very early, around XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: TX

Complaint narrative:
I have an account on my credit report that was deleted by Experian several months ago due to someone stealing my information and getting an apartment. I noticed last month that Experian has reinserted or re-reported this collection back onto my report as a new debt collection. 

I have sent a letter pressing them to remove it and no response yet. The letter was sent XXXX. I 'm trying to move forward with something and need to use my credit but because of this collection that is put on hold. 

Experian is a big company and I know I 'm just a number of them but I 'm hoping to shine some light into this and get the service I need. 

Thank you, 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 2017-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX have failed to comply with my numerous prior validation request sent to them, in direct violation of Title 15 U.S.C 1692g.

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 2017-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: LA

Complaint narrative:
I received an email from the Lending Club on XXXX XXXX, XXXX that my loan application was being denied due to inadequate income. The problem is I did not apply for a loan. This was a total surprise. I called this company on XXXX XXXX, XXXX and XXXX, XXXX. I currently have a loan opened in XXXX XXXX. I requested a copy of the loan application which they were unable to produce. The big 3 credit bureaus were contacted and have security freezes and fraud alerts on my accounts. The fraud unit of Lending Club sent a report I can fill out for law enforcement. The claim is I checked the loan rates on XXXX XXXX, XXXX which I did not. I live alone with my puppy. No one else has access to my computer. Since no proof could be furnished of loan rates being checked, other consumers should be aware of questionable practices of Lending Club. From what I have read online, this situation has happened to many people. If I had known how this company operates, I would not taken a loan from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Immediately after closing our mortgage with XXXX XXXX XXXX, it was sold to a different company called Nationstar Mortgage. My husband and I each send Nationstar Mortgage, which recently changed their name to Mr. Cooper, more than our required payment ever month. My husband is paid bi-weekly and I am paid monthly. We each send a partial payment after each paycheck we receive, and the total monthly payment is always more than required. 

Every single month Nationstar fails to apply our payments to our account. Instead, they hold the fund in some reserve account that does not apply to our principal or accrued interest. Without fail, we have to call them to correct the mistake. Several times they have sent us letters saying our account is in default for not making payments, when in reality we were ahead of our payment schedule by several months. 

They also often fail to apply our extra payments to the principal, and instead apply them as regular payments in an attempt to increase the interest owed on the loan. 

This is a recurring problem with every payment we have made to the company. Reading the review on the XXXX XXXX XXXX website, it seems to be a common complain among other consumers. I feel cheated because I did not choose this company but am now stuck with them as my loan servicer. 

Is there anything CFPB can do to have my loan transferred to another servicer. I feel the company in changing their name is attempting to escape responsibility for their predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from PROCOLLECT. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint againstPROCOLLECT in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. 

This debt was agreed to be removed by XXXX and pro-collect. It was deleted 4 months ago and then reinserted/re-reported last month on my credit report as a new collection. 

Attached is my document. 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 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was a loyal Kohl 's customer for over 8 years. I had a credit card which I paid in full each time I received a bill. I never carried a balance to the next month. I received a call on XX/XX/17 that my account was 60 days past due {$170.00} plus fees of {$64.00}. I never received a bill from them. I was devastated and paid by phone immediately. They assured me that they would get it taken off of my credit report if it was reported. A week or so later I got a letter stating that they investigated and there was nothing they could do. I never got a bill! I 'm not sure if it was a glitch in their system but I never received the bill. If I had, as history shows, I would have paid it immediately. I have since closed my account with them because I will not deal with a company that treats their customers this way!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had a credit card with Capital One since 2001.
Payments have always been made on time and in full for past 16 years. 
Applied for another credit card on line to take advantage of a promotional offer. 
Application was denied even though my credit score is in the high XXXX 's. 
Also credit rating is XXXX. 
Ask bank for re-evaluate application about three weeks ago. 
Have not received a response regarding re-application. 
Called bank, refused to account for their denial.

Company response to consumer: Closed with explanation