vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
Merchants and professional collection bureau, inc put XXXX on my credit that I don't owe. I called the XXXX XXXX XXXX XXXX XXXX where they claimed the bill came from, they to me that I don't owe them any balance, that the Collector is not their collecting agency. I called Merchants and Professional collection Bureau to dispute the bill, they refuse to remove it from my credit report demanding my husband and I to pay the bill. In XXXX  the XXXX XXXX XXXXXXXX XXXX sent me a letter that their billing system was hack into and my medical records and personal information was compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: FL

Complaint narrative:
I submitted a complaint regarding fraudulent information on my credit report. Two days after doing so, Equifax made two files for me. Now the problem is worse than it was before. I need my complete file to be correct, and not have two files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: MD

Complaint narrative:
The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ;

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 2021-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jonathan Neil & Associates, Inc
State: TX

Complaint narrative:
Johnathon Neil Associates conducted an unauthorized hard inquiry on my XXXX Credit Report. The pull was does XX/XX/2021. 

I have no business with this company and have no knowledge of any debt owed to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have paid off my credit card with XXXX XXXX XXXX and they agreed to delete it off of my credit report and they are still reporting it and have not removed it. This account has been on my credit since XX/XX/2016 and I would like it deleted as it was paid and the company agreed to delete it, Instead they marked it as a paid charge off.

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 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: MO

Complaint narrative:
THIS IS NOT MY ACCOUNT THIS COMPANY HAS PLACE THIS FRUAD ACCOUNT ON MY CREDIT FILE AFTER I ADVISE THEM THAT THIS WAS NOT MY ACCOUNT AND MUST HAVE BEEN OPEN WITHOUT MY KNOWLEGE

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 2021-08-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: TX

Complaint narrative:
I have previously disputed with XXXX XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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:
I find it disheartening that you keep claiming these 2 accounts to be verified and IT IS SO ABUNDANTLY CLEAR that the information is inconsistent. Now rather its you or the other credit bureaus that is reporting the incorrect information is none of my concern. The point is ONE OF YOU is WRONG and until you can prove to ME that you are the bureau that's correct, then ALL of you is WRONG. Please delete these accounts.It is so clear it wasn '' t properly verified. All credit information reported to the credit bureaus must match in its entirety amongst all credit bureaus and if you look at mt attachments as proof you can see that is not accurate and consistent. The accounts in question are XXXX XXXX  XXXX and XXXX XXXX  XXXX/XXXX XXXX XXXX. Here is the incoonsistencies with XXXX XXXX. The DATE OPENED is inconsistent amongst you and the other 2 bureaus, LAST REPORTED is inconsistent amongst you and the other 2 bureaus, DATE LAST ACTIVE is inconsistent amongst you and the other bureaus and the DATE OF LAST PAYMENT is inconsistent amongst you and the other bureaus. Now for XXXX XXXX XXXX/XXXX XXXX inconsistencies. LAST REPORTED is inconsistent amongst you and the other bureaus, DATE LAST ACTIVE is inconsistent amongst you and the other bureaus an DATE OF LAST PAYMENT is inconsistent amongst you and the other bureaus. AGAIN I have attached documents that clearly show that you have not properly verified anything. Please review

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 2021-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NE

Complaint narrative:
I received an email stating my loan payments would be starting again, and I noticed I was being charged during this time for interest, which was not supposed to be happening until XX/XX/2022. I have attached my email chain with Nelnet and my current loan details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Our FHA mortgage was financed through PHH Mortgage Services for the year of XX/XX/XXXX - XX/XX/XXXX. They failed us terribly and have put us in a serious bind with our home and county tax office. They not only failed to pay the total amount of taxes owed originally around {$4800.00} now with an outstanding balance of around {$5400.00} with interest continuing to climb. The incorrect amount they can account for ( 2 payments totaling around {$1400.00} ) they paid it to the wrong account! I made them aware of their error back in XXXX after they sold our account and we attempted to refinance. During that process, the new company found the error, making us aware we were unable to refinance due to the mistake and negligence of PHH MORTGAGE SERVICES. After severe run around and no assistance, XXXX in the PHH escalations department assisted me in XXXX and confirmed with me the county lot number they made the incorrect payment was the incorrect account # by the very last number. He assured me that they would correct their wrong, took responsibility, sent it up to a superior, after all it was their mistake. We are now nearing the end of XXXX with no resolution! They have yet to make any changes. They have now decided to send an email stating there was no wrong doing and push the problem onto us and the new mortgage company. They claim the new mortgage company should roll the back taxes into our account. Why should that be the resolution? It's also not possible at this time. Keep your word and right your wrong. Make the necessary corrections. Pay what you owe to our taxes and cover all of the interest that has piled up as a result. We are fed up with the situation and want to move on. We simply want to refinance our home and we can't even do that because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CitI bank collecting for home depot. payment is due XXXX of each month. Payment is made XXXX of each month with XXXX XXXX online banking. Somehow a processing glitch occurs and account is charged a late fee of {$31.00} although payment is debited before the XXXX of the month. I have not charged anything since XX/XX/2021. Yet each month a bill is received for a late charge. Current statement shows a credit of {$28.00}. I have successfully had 2 late payments taken off and have changed the due date. Yet current statement still shows 2 late charged of {$63.00}. Spoke with a supervisor at Cit I bank last nite and he is trying to say I have a {$25.00} balance from XXXX yet it's not reflected on most current statement only late charges. I'm a senior on a fixed income who always pays on time. I'm very very frustrated with this mess. I spoke with XXXX XXXX on line customer service today XX/XX/XXXX seeking assistance but the only thing they can do is mail all monthly statements. Please help me this is affecting my credit score and my XXXX XXXX. I don't know what else to do. How can they charge a late fee on top of a late fee without a purchase 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 monetary relief
Consumer complaint received 2021-08-24 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: FL

Complaint narrative:
Good afternoon, I am writing to you because I never authorized any furnishers to report on my credit and the information they are putting on there are fraudulent and wrong. I wrote to all 3 credit bureaus and none of them responded in over 2 months. I want these frandulant reports removed or I will seek litigation because what they are doing is also wrong by putting false medical reports on there I never authorized to report and they never verified any of this. Thank you for your time.

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 2021-08-24 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: NY

Complaint narrative:
I find it disheartening that you keep claiming these 2 accounts to be verified and IT IS SO ABUNDANTLY CLEAR that the information is inconsistent. Now rather its you or the other credit bureaus that is reporting the incorrect information is none of my concern. The point is ONE OF YOU is WRONG and until you can prove to ME that you are the bureau that's correct, then ALL of you is WRONG. Please delete these accounts.It is so clear it wasn '' t properly verified. All credit information reported to the credit bureaus must match in its entirety amongst all credit bureaus and if you look at mt attachments as proof you can see that is not accurate and consistent. The accounts in question are XXXX XXXX  XXXX and XXXX XXXX  XXXX/XXXX XXXX XXXX. Here is the incoonsistencies with XXXX XXXX. The DATE OPENED is inconsistent amongst you and the other 2 bureaus, LAST REPORTED is inconsistent amongst you and the other 2 bureaus, DATE LAST ACTIVE is inconsistent amongst you and the other bureaus and the DATE OF LAST PAYMENT is inconsistent amongst you and the other bureaus. Now for XXXX XXXX  XXXX/XXXX  XXXX  inconsistencies. LAST REPORTED is inconsistent amongst you and the other bureaus, DATE LAST ACTIVE is inconsistent amongst you and the other bureaus an DATE OF LAST PAYMENT is inconsistent amongst you and the other bureaus. AGAIN I have attached documents that clearly show that you have not properly verified anything. Please review

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Not sure where to start with this. I am having problems with Target XXXX XXXX. I have try paying my bill online and for some reason they have block me which I find very odd. Why? I did call them over this and ask them why they didnt call me they said they has a phone number with XXXX area code on file again which is odd I have never had a XXXX area code number I live in the XXXX and I have had the same number for many many years. Here the thing are about that Target has call me before so why now do they have different number and cant get a hold me? When I call they cant ever tell me why they have the wrong number or why they have a late payment for when their system was down and not working not my fault I couldnt make the payment. Everything about my account is wrong now all because of their system bein down and they are unwilling to help me or fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
A credit card was opened in my name for a business. I had no knowledge of account and did not have a card or responsibility to pay any of the bills. The business always paid every bill and is responsible for debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: MD

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent reports be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have paid off my credit card with XXXX XXXX XXXX and they agreed to delete it off of my credit report and they are still reporting it and have not removed it. This account has been on my credit since XX/XX/2016 and I would like it deleted as it was paid and the company agreed to delete it, Instead they marked it as a paid charge off.

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 2021-08-24 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: OH

Complaint narrative:
I have paid off my credit card with XXXX XXXX XXXX and they agreed to delete it off of my credit report and they are still reporting it and have not removed it. This account has been on my credit since XX/XX/2016 and I would like it deleted as it was paid and the company agreed to delete it, Instead they marked it as a paid charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX Equifax Score was XXXX. On XX/XX/2021, I Logged onto XXXX to Check My Credit Scores. When doing so, I Noticed My 'Equifax XXXX Score had Decreased 23 Points. This was Unusual. When I Checked the Notification as to Why My Score Decreased, It Stated I had a " Late Payment within the Last 30 Days '' - Which is Inaccurate. My Payment History has Been ON TIME within the Last 14 months. Im Not Sure Where that Information Came From, because there is No Late Payment Reported on Any Account on My Report within the Last 30 Days. Trying to Dispute on Equifax was unsuccessful due to lack of options. Nothing Has Changed from XXXX to XXXX except My Credit Utilization Decreasing - Which Should NOT Decrease My Score. This was Unfair and Should Be Reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: OK

Complaint narrative:
I lost my job because of covid and I keep telling them that I will call them back when I get settled in to my new job but they keep calling me on different numbers every time I wish they would stop because now there calling me while Im at work and I keep telling them this and Im eventually gon na loose this job because my manager keeps having to talk to me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I had a credit card with XXXX XXXX XXXX and XXXX XXXX XXXX bought my debt contacted me and I paid them in full with the agreement of deleting it off of my credit report and it is still on there I would like it removed. It is no longer on my XXXX  but it is still being reported on XXXX  and TransUnion  with a balance of XXXX when it has been paid.

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 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Wednesday XX/XX/XXXX at XXXX XXXX  I made a cashiers check deposit into a chase atm account. I got a receipt immediately saying I should call a number with the claim number provided to make sure my money was deposited. There was no records of the deposit once I called. Chase continues to say theyll expedite things and send emails informing me of the actions but nothing has been resolved and Ive yet to be reached out to. All the communication has been due to me calling 1-2 times a day. 
Ive used chases atms for years and never had this issue before. This is a business account that I use for payroll and there seems to be no concern whether my business will make it or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: U.S. BANCORP
State: TX

Complaint narrative:
fcra law : violations never late fix it or we will get the whole account removed : payment show late never late fcra violatons US BANK XXXX XXXX XXXX XXXX Reported : XX/XX/2021 + {$1100.00} In good standing

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