vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
Well I keep disputing it online and then it gets takin off my credit report then they put it back on my credit report saying new account open and it was sold to a new creditor which is illegal Commonwealth Financial opened XX/XX/2019 the last time they put it on my report it said XXXX of 2019 amount of {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: CA

Complaint narrative:
Hello, I recently closed on my home on XXXX XXXX 2019 with Veterans United as my lender. Today, on XXXX XXXX 2019 I logged onto their website in hopes to make my first home payment which is due on XXXX XXXX 2019. However, I came to find out my loan has been transferred to XXXX XXXX. My concern is not with the transfer. I understand these occur and a stated in the closing documents. My concern stems from my understanding both my old ( Veterans United ) and new ( XXXX XXXX ) lender have a legal obligation to inform me no less than 15 days PRIOR to the effective date. No one from either company has emailed, mailed, or called me regarding this transfer. I still have yet to be told from either lender of this transfer.

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 2019-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONEMAIN FINANCE CORPORATION
State: MD

Complaint narrative:
My information was stolen in the XXXX  data breach. Information and documents used to open a fraudulent account. I have included Ed the FTC complaint and various police reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
No contract, Disputed with credit bureaus, and lied about have confirmed info was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: Curfin Holding Company, Inc
State: IL

Complaint narrative:
Greater chicago finance company in XXXX XXXX Illinois fraudulently accessed my credit report 4 times without my permission or acknowledgement. I did not authorize them to check my credit on no occasion after XX/XX/2015 Please investigate this abuse and remove the hard inquirys from my 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 2019-11-16 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 — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  and transition are reporting a personal loan I paid in full that it is close and drop a lot of point on my credit report. My understanding about paying a full amount in a loan it will increase your credit score but unfortunately my credit score went down 62 points. It was a credit union account, paid in full 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 2019-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/19 Ally bank closed my account for no reason i have no access to my funds. I was advised that the deciding to close my account due to a dispute for unauthorized charges so there for i believe they are wrong in this matter.

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 2019-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
I have had XXXX XXXX and XXXX for years and then all of the sudden i have a collection account on my XXXX  account from XXXX. When I first asked them about it they said it was for an equipment charges. I told them that's XXXX ive been with XXXX XXXX for like 5 years. The next attempt they said it was early disconnect charges. I told them now they are changing their story and ive had XXXX for years. Now they just reported on my credit report again {$1300.00} and i do not owe this to them. Im not sure what is going on here but I need it removed. We are working on buying our first home and have been paying off my debt for years. If it were mine id pay it but im tired of this. Ive have disputed it and asked for proof and they refuse. Im done please help me. I have also been told my other friends and family they have experience similar cases and are not happy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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 — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX are reporting a personal loan I paid in full that it is close and drop a lot of point on my credit report. My understanding about paying a full amount in a loan it will increase your credit score but unfortunately my credit score went down 62 points. It was a credit union account, paid in full XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have contacted this bureau several times for inaccurately reporting a bankruptcy on my credit report. They also have it listed as joint and my husband has no public records reporting on any of his credit reports. This is causing me undue hardship and is preventing me from obtaining credit offers that I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: STERLING JEWELERS, INC.
State: OR

Complaint narrative:
NOT RESOLVED 1.0 Details When I financed my purchase for a bridal set they said my payment would be {$98.00} a month with the new credit promotion they were offering. When I went to pay my bill the following month the minimum payment due was upwards of {$200.00} a month. 

I went to the store to correct it and spent 3 hours trying to get the issue resolved. They said that the item was submitted incorrectly and they need to re-ring it under the right payment plan. However, because the payment was due I had to make it even though it was an incorrect amount otherwise I would be charged late payment fees. I refused to pay the higher amount. 

They also told me that I wouldn't qualify for lower monthly payments unless the amount charged to my credit card was at least {$3000.00}. They had to take off the sale price and certificates used on my original purchase so i could qualify for a payment I could actually afford. They also stated that the lowest minimum payment I would qualify for was {$110.00} a month, rather than the {$98.00} that was previously agreed upon. I reluctantly agreed. 

It's been 2 months now and the issue was never resolved. My payments have never been correct and I have been spent countless hours on the phone and in the store trying to fix this mess. Currently my payment shows {$220.00} a month and I've been charged a total of {$750.00} in monthly payment fees and late charges. I've now been reported to collections and this account is showing deliquent on my XXXX and XXXX XXXX credit report. 

The associates at the store say they can't help me and I need to talk to Kay Customer Service. 
Customer Service says they can't help me and I need to talk to the financial institution. 
XXXX XXXX says they can't help me and I need to have it corrected in the store.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Gurstel law firm pc has not been contacting me via telephone I have provided to them. They have been calling my mothers home every other day. On XX/XX/2019 I received a call on my mothers home phone from Gurstel Law Firm, I answered & they hung up. I then received a call on my cellular phone I answered & they hung up. Under the law for consumer protections I have rights that clearly state a debt collector, attorney, has to make a reasonable attempt at communicating with me about this debt. This law girl has not done that instead they have submitted for a writ if garnishment to the court & have not made any attempts at contacting me. Ive not received any letters asking me about this debt. No reasonable calls even when I have attempted to try to pay the debt. I feel like my writes have been violated & this requires an investigation. I will also file a complaint with the State of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX law firm pc has not been contacting me via telephone I have provided to them. They have been calling my mothers home every other day. On XX/XX/2019 I received a call on my mothers home phone from XXXX XXXX XXXX I answered & they hung up. I then received a call on my cellular phone I answered & they hung up. Under the law for consumer protections I have rights that clearly state a debt collector, attorney, has to make a reasonable attempt at communicating with me about this debt. This law girl has not done that instead they have submitted for a writ if garnishment to the court & have not made any attempts at contacting me. Ive not received any letters asking me about this debt. No reasonable calls even when I have attempted to try to pay the debt. I feel like my writes have been violated & this requires an investigation. I will also file a complaint with the State of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: TX

Complaint narrative:
I have disputed bankruptcy information with the three credit bureaus and they are claiming they have verified this information to be accurate. As you may see from my attachment that the bankruptcy court does not provide any information to credit agencies. The information is coming from a third party company called XXXX XXXX who gets it from Pacer or some other form of record pulling. This information is not being verified legally from the " said '' creditor which listed on my credit report is the bankruptcy court. This obviously isn't being done due to the fact they don't verify information with credit agencies. So instead of verifying with the court in which they can't they verify with XXXX XXXX. I have placed a freeze on my XXXX XXXX information as well, but yet they still claim to have verified it as being accurate.

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 2019-11-16 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: CA

Complaint narrative:
I paid off my Capital One credit card balance on XX/XX/XXXX. On XX/XX/XXXX they charged me {$94.00} with a description of finance charge/ interest when I had a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: CARRINGTON MORTGAGE SERVICES, LLC
State: HI

Complaint narrative:
Carrington mortgage The report is saying we were 30 days late for several monhs Our payments were always made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
IQ DATA INTERNATIONAL IN, ( Debt Collector ), reported me to the credit bureau on behalf of ( XXXX XXXX XXXX XXXX XXXX ) That I owed XXXX dollars. I did not break my contract, they said I owed the money in damages apartment had, and they had to fix. I called the debt collector in 2015, and stated that I did not do XXXX worth of damage, but I was willing to settle it for XXXX dollars. They refused and told me the amount would just be going up, today they say I owe XXXX dollars, I think that is not legal what they are doing, also they will not compromise with me, they want the whole XXXX for deletion on my credit file. I do not have XXXX dollars, I can only afford XXXX, which I think its a good compromise, for the original balance of XXXX ( which I did not do in damages to apartment )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
I recieved my bank statement to find my account had over XXXX in charges that I did not authorize so I went to bank called police did every single thing known to do an As I was asked to do, and yet it's been 30 days now An I have XXXX in bounced check fees fines and the bank is refusing to give me my money back and im told that it's a civil cop matter not there problem they said it's theft not fraud well yeah it is both cause I'm not sure who stole it I gave them few scenarios I might could help them but I'm not sure they said I need to make an arrest to whom did it and get the cops to make them pay me back it's ludicris! Im in need of that money and as the CEO mr XXXX words to me were, oh well you may just have to eat that money REALLY im blown away I put my money in trusting them to keep for me safely and now im broke and completely losing my whole life daily please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Purchased a prepaid visa gift card from Kroger XX/XX/2019 for {$500.00} tried to use it and could not. 

1. The magnetic stripe didn't work. 
2. They said the balance was used XX/XX/XXXX in a store I did not recognize for {$490.00} before the card was even open. 
The card was compromised before I could even use it. How could this be? I researched and other people are having the same problem only with the US bank cards. Why are they allowed to continue selling compromised gift cards or gift cards that are easily compromised?

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 2019-11-16 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: Fidelity National Information Services, Inc. (FNIS)
State: WY

Complaint narrative:
I attempted to open an account with XXXX XXXX as my fianc is a member ; however, I was denied stating my reputation had been tarnished by a previous bank. So, I ordered my ChexSystems report and found an account reporting by XXXX XXXX XXXX XXXX XXXX for {$1100.00}. I have no knowledge of this debt. The last time I used XXXX was before I was XXXX  to a XXXX  XXXX. However, prior to going to XXXX, my account was NEVER delinquent, and I made sure of that. I Received a refund check from the State of Georgia for stolen property by the XXXX. I deposited the check into my account, adding to the existing balance to total more than {$2000.00}. I had a rental for a few weeks, so the cost was exceeding ( {$1100.00} ) however, I knew my account would cover it. After I deposited the check, I never had a chance to check my account account again because shortly after, I was XXXX. From XXXX, I went to XXXX  for three years. So, if there were any discrepancies with the account, I HAD NO KNOWLEDGE. When I got out of XXXX, all the mail had accumulated at my mothers home. None of the mail was from XXXX XXXX about a past due balance.

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 2019-11-16 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 I pulled my credit report. Wanted to get ready for loan to buy new home. 
I saw that Equifax and XXXX  credit reports have XXXX  XXXX XXXX XXXX  entries in COLLECTIONS status. I did not go to XXXX  XXXX XXXX during the periods that these services were provided. 
XXXX XXXX went to XXXX  Hospital thinking that they put someone else medical fees against me by mistake. I have never been contacted by anyone about the XXXX. They looked me up and that I was self-pay with no insurance was listed and they had my home address incorrect in their database. This is when I found out that the XXXX  were from XXXX at home care. During this time period an XXXX hospital gave me a XXXX  XXXX that required at home health care by XXXX. XXXX, without my knowledge took my bloodwork to University XXXX XXXX without XXXX insurance information on the paperwork. I asked XXXX  Hospital for copies of the XXXX  forms XXXX  submitted and all of them had my correct home phone number. I was never called. XXXX knows my correct home address since they provide " at home care '' but they were not asked. Since Obamacare, everyone has insurance but they had me down as " no insurance ''. I mailed a letter to the address they had listed for me to see what response the USPS would give them. A week later, I received the letter back from the USPS stating that it was the wrong address. So XXXX  Hospital would have been told for each incorrectly addressed bill that it was the wrong address. Instead of doing any basic or minimal due diligence to contact me ( call my phone number, get with XXXX for my correct address, or XXXX  my address ), XXXX  Hospital used the credit report system to harm my credit. I had to contact XXXX  Hospital two more time to push them to file their claims with XXXX. They were paid within a week of their actually filing claims with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: GA

Complaint narrative:
XXXX XXXX I pulled my credit report. Wanted to get ready for loan to buy new home. 
I saw that XXXX  and Experian credit reports have XXXX  XXXX XXXX XXXX  entries in COLLECTIONS status. I did not go to XXXX XXXX XXXX during the periods that these services were provided. 
XXXX XXXX went to XXXX Hospital thinking that they put someone else medical fees against me by mistake. I have never been contacted by anyone about the labs. They looked me up and that I was self-pay with no insurance was listed and they had my home address incorrect in their database. This is when I found out that the labs were from XXXX at home care. During this time period an XXXX hospital gave me a XXXX XXXX that required at home health care by XXXX. XXXX, without my knowledge took my bloodwork to XXXX   XXXX XXXX without XXXX insurance information on the paperwork. I asked XXXX Hospital for copies of the XXXX  forms XXXX   submitted and all of them had my correct home phone number. I was never called. XXXX knows my correct home address since they provide " at home care '' but they were not asked. Since Obamacare, everyone has insurance but they had me down as " no insurance ''. I mailed a letter to the address they had listed for me to see what response the USPS would give them. A week later, I received the letter back from the USPS stating that it was the wrong address. So XXXX  Hospital would have been told for each incorrectly addressed bill that it was the wrong address. Instead of doing any basic or minimal due diligence to contact me ( call my phone number, get with XXXX for my correct address, or XXXX  my address ), XXXX  Hospital used the credit report system to harm my credit. I had to contact XXXX  Hospital two more time to push them to file their claims with XXXX. They were paid within a week of their actually filing claims with 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