vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
XX/XX/XXXX, I received an email notification from XXXX telling me Radius Global Solutions LLC sent a negative credit report to XXXX. I immediately contacted XXXX ( XXXX ) XXXX and spoke to XXXX, an associate. He explained that Radius Global Solutions LLC is a debt collecting agency acting on behalf of XXXX XXXX XXXX XXXX for {$470.00} owed for services provided XX/XX/XXXX. 
I never received a letter or bill from either Radius Global or XXXX XXXX at any time and I would not have been expecting one because I had full medical coverage by XXXX XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. 
As of XX/XX/XXXX, coverage was assigned to XXXX. 
After our discussion, an investigation was opened and I was promised a response in 30 days from XXXX. However, XX/XX/XXXX, I received a letter from Radius Global Solutions LLC offering me to pay the sum of {$330.00} to settle the debt. A copy of this letter was sent to XXXX. I have a legal and moral obligation to pay all debts, this however, was not incurred by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XX/XX/2019 {$980.00} I called and told them this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
XX/XX/2017 {$380.00} I sent letter stating this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: IL

Complaint narrative:
Conduent ( ACS ) Loan service handles my student loans. The website is not active, unable to reach anyone and horrified that they cover my loans. I am unable to view history of payments, or updated information. Funny they don't seem to have a problem taking money out of my account every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
As reported by XXXX my Equifax score has decreased by 116 points because of the following change. A balance was decreased by {$110.00}. Based on Equifax data dated XX/XX/19 Credit changes : Current score XXXX - Score was XXXX up until XX/XX/19 XXXX points down. 

We found 1 change to your Equifax credit report. 
Balance Decrease XXXX  Balance Decreased by {$110.00} Didn't payoff or close the account, didn't miss a payment, no collections were added, I am not using anymore credit etc. 

I have filed a previous complaint of inaccurate reporting. I am hoping this is not retaliation from the powers that be. Even multiple hard inquiries won't decrease a score by XXXX points. What is going on? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XXXX debt collections keeps sending my letters and reporting false information stating i owe a medical debt i have sent several letters asking for validation but yet i have not received correct documents

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 2019-03-22 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:
I checked my credit score and was shocked at the amount of unknown fraudulent accounts that were showing on my report. I was not sure how my report was compromised, but after performing some investigation, I became aware of my information being involved in several credit bureau breaches. Additionally, there are a few addresses on my credit report that are not associated with me. I am not sure how these addresses and breaches may have affected my report, so I decided to contact the credit bureaus for a more thorough investigation. I have not heard a response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: CA

Complaint narrative:
I lived at XXXX  XXXX at XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone number : ( XXXX ) XXXX for 3 leases. Almost 34 months.. 

.. At the end of my 2nd year/lease I was approved to move/transfer to another unit in the complex, they apparently evicted me without my knowledge, instead of just clicking one button and doing a transfer. XXXX was the year in question. I had my lawyer reach out and the building admits I was NEVER evicted. The building fully admits I was NOT EVICTED and wrote a letter to my new renter.. unfortunately, this doesn't help very much at all. It needs to be removed from my report. And they just don't seem to care. None of the credit agencies or this complex who collected 3 years of rent on time only to evict me falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have had a Macys XXXX XXXX card through Department Store National Bank. First problem, this is NOT a REAL XXXX XXXX card, and this nebulous bank name is impossible to find a " real '' point of contact. I have had 3 incidents with this bank. 

# 1 I phoned Macys and got the payoff balance for my credit card. I paid it off over the phone and stopped using the card. I was in the process of purchasing a home. There was an outstanding balance of {$2.00} cents that was not paid off ( unknown to me ). It accused months of late charges, and when it came time to get my mortgage, I was denied because of this credit card late charges. Which, because I normally bank online, thought was PAID OFF months ago. Despite 12 phone calls to Macys Customer Services begging and pleading, they would not change the report to the credit bureaus and I lost the house I was trying to purchase and had to wait 6 months to clear up the credit report. 

# 2 I purchased 2 coats online with what I thought was my only macys  charge, my Macys XXXX XXXX card. Week later, returned both cards to store with receipt. when I got my statement there was a XXXX balance, as expected. Two months later, I get a late bill because the cashier returned the coat to my inshore card!!! Which I did not know I had. I was charged late fees, etc ... .Ended up paying in the end! 

# 3 In XXXX my bank gave me a HELOC to pay off my credit cards. They paid with a cashiers check mailed to Macys. It has been 3 months now, and my card still had not been credited for the payoff. I have phoned them 16 times now, and they keep telling me they will research it, but nothing is done. I now owe XXXXXXXX XXXX {$800.00} and Macys {$800.00}. Neither bank will do anything! Criminal

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 2019-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: AL

Complaint narrative:
Asking Advance America to work with debt relief company XXXX XXXX XXXX about negotiating a solution for a payment plan. XXXX  XXXX is handling my debt problem and all phone calls need to directed toward XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I have tried multiple times to talk with these folks to resolve a matter from XXXX that is not mine. They are very rude and unwilling to work with you so at this point I am asking that the debt be removed from credit reports. All 3

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center
State: CT

Complaint narrative:
XX/XX/XXXX I signed a document after discussing w/ a third party called premier student loans ; who offered services to me in consolidating my loans leading me to believe that if I paid 6 months worth of {$250.00} for 6 months I would only have to pay {$40.00} to them making me believe that after 10 years the rest of my loans would have been forgiven. They collected information from me as I worked at XXXX Hospital XXXX and XXXX Hospital XXXX  saying I qualified for this assistance. They asked for my ID and password as to make changes on the account 'for me '. My payments towards XXXX were then changed to {$50.00} a month, on top of this XXXX fee. I contacted this company summer of XXXX when I was noticing that I was still paying extra essentially and had done the math in my head that this loan forgiveness didnt add up but they told me I could not buy out of this payment plan and was stuck with them for the remainder of the term I had signed. After getting notification to recertify my income driven plan ( which I didnt realize I was in as I wasnt having an issue paying my loans I just wanted to have loan forgiveness and in turn hopefully lower my payments ) My monthly payments increased to where my usual baseline loan payments were prior to engaging to this company. I have now realized that in the coarse of 10 years I will have given money to a 3rd party for essentially nothing. I believe that I have been scammed out of almost XXXX in using this company and they continue to take out money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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:
I checked my credit score and was shocked at the amount of unknown fraudulent accounts that were showing on my report. I was not sure how my report was compromised, but after performing some investigation, I became aware of my information being involved in several credit bureau breaches. Additionally, there are a few addresses on my credit report that are not associated with me. I am not sure how these addresses and breaches may have affected my report, so I decided to contact the credit bureaus for a more thorough investigation. I have not heard a response as of yet.

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 2019-03-22 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:
During XX/XX/2018 I obtained a copy of my credit report and noticed numerous of inaccuracies with Equifax. I informed them by disputing the inaccuracies for the last several months & the issue is getting very frustrating because it continues to affect my credit negatively. 

The accounts that I have an issue with are listed below : UNKNOWN ACCT # XXXX AMOUNT : {$59.00} UNKNOWN ACCT # XXXX AMOUNT : {$69.00} UNKNOWN ACCT # XXXX AMOUNT : {$59.00} UNKNOWN ACCT # XXXX AMOUNT : {$200.00} XXXX XXXX ACCT # XXXX AMOUNT : {$1000.00} XXXX XXXX XXXX ACCT # XXXX AMOUNT : {$390.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called capital one auto financial to make a payment arrangement, but I was not late yet, I told them that at that time I could not make the payments since I was out of work and they never gave me any solution at any time. I tried to send in 1 month 100 to the next 400 to try to fall into late payments, I insisted on the 3 month and I made a payment arrangement that I had to pay XXXX for 4 months to get up to date, although it was difficult because of the high value of the couta I did it has me month during the period they gave me, now I am completely up to date with a very high interest payment for a XXXX XXXX a month, and so that way I arrive with them to the payment arrangement I have been notified in the 3 credit bureaus as late payments of 30 and 60 days for 5 months, I have been affected by the credit and the worst is that they have no word because while a person is in payment arrangement is considered the good account but this company is all otherwise. They do not want to refinance the debt of the car so that my interest will be reduced. And the last month of the payment arrangement that was in XXXX, I had to pay the payment arrangement I had plus the month of the car. What do I have to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I opened a card with XXXX in XXXX and paid each month in full for 4 years. In XXXX, I reported to XXXX that my card had been stolen and that fraud had occurred. They asked me to identify charges that were not mine. I did this- they continued to keep all those items on my bill, charge me late fees, and interest, even though all the charges were supposed to be disputed. XXXX sent me a new card and an email acknowledging they were investigating the fraud, but did not stop fees and kept all the disputed charges on my bill. I refused to make payment because the credit card contract shows that if I make a payment on items that are fraudulent, that you accept those items as part of your bill. After 6 months fines and fees and no more response about the investigation, they closed the account, continued to add on more fees, and then, after adding over {$1000.00} beyond my credit limit to the bill in finance charges, submitted the file to credit reporting agencies and a collection agency. 

I challenged them due to the fact I had fraudulent charges and they had acknowledged them but did not fulfill their end of the contract in how they handled my case. XXXX took a civil suit against me in XXXX, TN, on XX/XX/XXXX. After over a year of court dates, the judge dismissed the case because they did not have the legal right to hold those charges on me, and that should have stopped them from pursuing me and have legally made them remove the negative information from my credit report. 

Instead, XXXX processed the already charged-off debt, as a new opened account, and charged it off again, resetting the 7 year negative delinquent charged off status of my account with them. Despite having brought a civil case against me, and losing, they acted against court orders, and still refuse to adjust this. I have gotten them removed from two out of three of the major credit bureaus by showing the court signed and stamped judgement dismissal. XXXX   however, did not remove it, and XXXX will not remove it. 

XXXX XXXX  aggressive bullying and illegal actions have greatly affected my personal life in time, court expenses, lowered credit score, and overall a frustrating and painful experience from someone who was a faithful customer and on-time-always credit card holder, now still affected, years later, by their irresponsible behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I absolutely tryed to make online purchases with my card and it would not go through and Them I contacted JcPenny and they said they had no idea what was going on just for me to contact the credit bureaus and see what the problem was I was just very very unhappy and upset because my jcpenneys credit card payment have been in on time and it was always paid completely off and In full I most definitely would like to have my credit card back on so I can make purchases on line please and thank you very much for fixing and finding out what the problem is and my issue,.

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 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts were created in my name Fraudulently.

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 2019-03-22 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: FL

Complaint narrative:
During XXXX2018 I had obtained a copy of my Experian credit report and noticed several inaccuracies listed in my credit file. I informed them of the inaccuracies by disputing them & til this day Experian is still reporting those inaccuracies as verified, how they be verified if the accounts have different status dates & different dates of last activity. This has been an ongoing issue because the accounts still remain listed in my credit file with Experian which is hurting my credit profile. 

The accounts that I have an issue with are as listed below : XXXX XXXX ACCT # : XXXX AMOUNT : {$1000.00} XXXX ACCT # : XXXX AMOUNT : {$190.00} XXXX ACCT # : XXXX AMOUNT : {$390.00}

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 2019-03-22 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I spoke with barclays in XXXX and XX/XX/2018 about removing the 30 day late. After a conversation with the woman she agreed to remove the 30 day late. I noticed in XXXX this still was not removed and reached out to barclays. they said they had assured me it was removed and to wait for the credit buruea department to update. Following up in XXXX I wrote a letter to have the said item removed. I just received a response stating that the item is accurate despite numerous conversations with them stating they had it removed from the credit bureau. Please help!

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 2019-03-22 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: FL

Complaint narrative:
During XXXX I had received a copy of my TransUnion credit report and noticed that it was several inaccurate accounts being reported within my credit files from TransUnion. I began disputing those negative and inaccurate accounts with TransUnion on to keep computer generated results stating that the accounts were verified. These accounts are adversely affecting my credit in various ways because the information being reported is completely inaccurate and erroneous. 

XXXX  XXXX ACCT # : XXXX AMOUNT : {$1000.00} XXXX ACCT # : XXXX AMOUNT : {$190.00} XXXX   XXXX XXXX ACCT # : XXXX AMOUNT : {$59.00} XXXX   ACCT # : XXXX AMOUNT : {$1200.00} I've also requested that my personal information be updated as well to reflect my legal name and address for delivery of any mailed per FCRA Section 623. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA 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 2019-03-22 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: CA

Complaint narrative:
I spoke with XXXX in XXXX and XX/XX/ 2018 about removing the 30 day late. After a conversation with the woman she agreed to remove the 30 day late. I noticed in XXXX this still was not removed and reached out to XXXX. they said they had assured me it was removed and to wait for the credit buruea department to update. Following up in XXXX I wrote a letter to have the said item removed. I just received a response stating that the item is accurate despite numerous conversations with them stating they had it removed from the credit bureau. Please help!

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