vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-21 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:
Multiple cra violations, inaccurate information including names, addresses, phone numbers, employment history and pretty much the entire report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XX/XX/2017 I do not or ever did have a belk card. I have 0 credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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:
This is the second complaint that I file against Transunion with CFPB for the exact same issue. Transunion marked the first complaint as completed but ignored my complaint and failed to resolve my issue. Transunions failure to comply with the FCRA is causing me financial harm as Im unable to apply for business line of credit due to a bankruptcy that is appearing in my Transunion credit report. The first complaint was filed on XX/XX/ ( complaint # XXXX ). Transunion has been negligent and has not provided me with the information that I requested under my rights under paragraphs ( 6 ) ( B ) ( iii ) and 7 of the FCRA. In summary, Transunion has failed to provide me with name, address, and phone number for the business they used to verify the bankruptcy that appears in my credit report. According to FCRA, I have the right to know the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. More details about this complaint can be found in the attached letter to the CFPB dated XX/XX/ along with the other attachments with letters to and from Transunion.

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 2018-02-21 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:
XXXX  XXXX XXXX said i didnt have credit history and XXXX  and XXXX cant seem to fix my credit with the inaccurate information they need to fix that asap

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 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received an email from Equifax on XXXX XXXX, 2017 stating that in order to complete my enrollment in my free XXXX service ( received because my account was hacked ), I needed to log onto the provided email to finish the process. For the many times I tried, the response was always that the system was down & to try later. Several times I have spoken to several representatives for help and each time they could not find me in the system, even though Equifax had sent me the email. And each time their response was for me to keep trying. The enrollment period has been closed and I was not successful in enrolling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC

Complaint narrative:
Wakefield and Associates are trying to collect on a debt not owed to them. There are 3 accounts listed on my credit report in the amounts of {$840.00}, {$99.00} and {$480.00}. I wrote to them to request validity of proof of services, and they returned a generic bill saying " Emergency room visit '' which I do not acknowledge.

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 2018-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
I contacted Caliber Home Loans for a modification as I was having difficulties paying my mortgage because of a hardship. I received a trial plan which was increased my payment {$230.00} per month. I contacted Caliber Home Loans on three separate occasions with no explanation. My latest call to Caliber was yesterday and the single point of contact informed me that I would have to talk to XXXX XXXX to find out the how Caliber came up with the increased payment. The single point of contact also told me that if I could not afford my home to surrender it. I want Caliber Home Loans to tell me how they came up with the increased amount and perhaps work with me to lower the payments. 

Also, I have not received an explanation from Caliber regarding the Obama Hardest Hit Funds they received back in 2016 upwards of XXXX. I was advised that XXXX went towards the principle and that would lower my payment however that was not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: GA

Complaint narrative:
I have several hard inquiry that I did not authorize. There are a few dates that have multiple hit all on the same day. I will attach an XXXX sheet that has the inquiry that I am complaining about. I has a list of the inquiry in question the date and the company that is reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several hard inquiry that I did not authorize. There are a few dates that have multiple hit all on the same day. I will attach an XXXX sheet that has the inquiry that I am complaining about. I has a list of the inquiry in question the date and the company that is reporting them.

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 2018-02-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have incorrect bill from XXXX being reported on my credit report by XXXX XXXX and XXXX. After disputing this bill before and it being deleted for non confirmation it was reinstated on my credit report and experian have blocked my access to file dispute online requesting that i submit mail only dispute which usually takes over thirty days. I feel experian has violated by consumer rights.

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 2018-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was reviewing a copy of my credit report and saw a listing for XXXX XXXX XXXX XXXX. for a debt of {$3400.00}. I sent a certified letter requesting that they validate the debt, provide HIPPA consent for PHI, and original signature of an agreement for payment. On XX/XX/XXXX, I received a package in the mail from the company. Upon opening the package I found an itemized bill with PHI in the form of XXXX codes and service descriptions. I have never authorized my PHI to be given out to any companies.

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 2018-02-21 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I opened a XXXX XXXX Department Store credit card in XX/XX/XXXX. The card was used sparingly. Payments had always been paid on time. I believe I used the card to purchase a suit in XX/XX/XXXX.  That had been the only time i used that card in years and hadn't used it again since. However, in approximately XX/XX/XXXX I received a notice from XXXX 's saying that my account was in arrears to the tune of {$3500.00}. Completely flabbergasted I contacted them. They told me that my bills had been being sent to Virginia. They had been for quite some time. I asked if there were any authorized users of my card and they said no. I asked if the purchases were made in store or online and they said in store. I have never lived in Virginia. Ever. I've been a Connecticut homeowner since XX/XX/XXXX. You can check my mortgage statements for proof of that. I've never made a purchase at a XXXX 's in Virginia. I told them the purchases must've been fraudulent. They refused to do anything about it. Quite frankly XXXX 's was content to allow these fraudulent purchases to take place because the bill was being paid. However, as soon as the person stopped paying they blamed it on 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 non-monetary relief
Consumer complaint received 2018-02-21 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:
XXXX XXXX XXXX said i didnt have credit history and XXXX and transunion cant seem to fix my credit with the inaccurate information they need to fix that asap

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 2018-02-21 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:
XXXX  said i had no credit history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
In XX/XX/2015 I received a call from XXXX XXXX. They called telling me how they could help my online business and persuaded me to buy their very expensive Marketing package taking complete advantage of me. This included Social Media Gateway Marketing leading traffic to my website, Mobile website, and Video marketing for {$7300.00} I paid them with my USAA XXXX card ending # XXXX I never received any of these services as stated in my contract or described to me when they contacted me on the phone, I have only received some basic account setup and a couple of half hour training sessions that lead nowhere and definetly not worth {$7300.00} It was very minimal stuff not even close to what they described to me when they got me to give in to their demands and pay them the outrageous amount. 

They deceived me and gave me their verbal promise this marketing package was needed to build a successful online business. 

This is unacceptable, please dont let these scam artist get away with this and help me get my money back. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I originally used my reward to purchase XXXX gift cards, prior to redeeming my points for these cards I called customer service to verify that these gift cards would not expire since I was not planning on using them immediately but didn't want my point to expire. I was assured that these cards would not expire. Upon receiving the cards, I opened the envelope and glance inside to make sure the number of cards ordered were there, I did not take them out and look at them. this was back in XX/XX/XXXX ) I went to use them XX/XX/XXXX and was denied at the merchant because they were expired. I argued and said that couldn't be, the next day I called Bank of America and and was told that these cards did expire. I explained to them that it was not what I was told. After over an hour on the phone being transferred all around the company I was told someone would callme back and they will more than likely re-instate my points or re-issue my cards they have seen this resolved that way many times. I never received a call back. Called back again and they stated that they called me back, but after verifying and correcting my phone number the everyone I spoke to on that call the system was still showing an incorrect number. so I was transferred around again and again was told someone call me back and this was an easy resolution. Again no call. This went this way until about XX/XX/XXXX. After numerous transfer I finally go to speak to XXXX who was supposed to be supervisor. She needed to get approval and would call me back that day, surprisingly she did and told me that she had approval to re-issue my cards and they would be sent to my home address. I never received anything. I called again XX/XX/XXXX and spoke to XXXX another supervisor who was going to send me an escheat form to have my cards re-issued and assured me they would. He also did not have notes in the system of my conversation with XXXX. It is now XX/XX/XXXX and I still have yet to receive new cards. I am beyond frustrated. I have been a customer since XX/XX/XXXX and this XXXX card is my go to card for all my purchases and my account is always paid on time if not early. I never carry a balance. I have attached a more detailed letter with all the names of the people I have spoken to over the past 5 months, it's about 20 in all. This has cost me so much time and aggravation.

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 2018-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rosebud Economic Development Corporation
State: MS

Complaint narrative:
My name is XXXX XXXX XXXX and I an a client of XXXX XXXX Help debt collections agency whom is handling my accounts that I have with them to settle. One of my lenders who knows that I am a client of XXXX XXXX Help is consistency calling me and this Lender is XXXX XXXX. They have been sent the legal documents to there company informing them I am a client of XXXX XXXX help to for them to only to communicate with them concerning my debt owed. They are not doing what was asked of them in the documents that was sent to them. They call me everyday but I don't answer but I know its them that is calling everyday. this XXXX XXXX number that appears on my caller Id when they call it XXXX. So please I want o file a compliant against this company for harassment due they know they not suppose to contact me and are to only talk to my representative with XXXX XXXX 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 2018-02-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have incorrect bill from XXXX being reported on my credit report by XXXX XXXX and XXXX. After disputing this bill before and it being deleted for non confirmation it was reinstated on my credit report and XXXX have blocked my access to file dispute online requesting that i submit mail only dispute which usually takes over thirty days. I feel XXXX has violated by consumer rights.

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 2018-02-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have incorrect bill from XXXX being reported on my credit report by XXXX XXXX and XXXX. After disputing this bill before and it being deleted for non confirmation it was reinstated on my credit report and XXXX have blocked my access to file dispute online requesting that i submit mail only dispute which usually takes over thirty days. I feel XXXX has violated by consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, I spoke with a representative from XXXX XXXX XXXX about a past debit. At that time, I made arrangements to settle the debit. I also asked the representative, that once I paid the settled amount, would this collection be removed from credit report. The agent advised that it would. I called back once the debit was paid and was informed that that it would stay on my credit report for seven years. I spoke with a manager by the name of XXXX, who advised that he would listen to the conversation that I had with the rep. However, he never returned my call. I then began to research the company online and noticed that XXXX XXXX XXXX XXXX, licence with the State of Georgia has been dissolved since XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: CA

Complaint narrative:
In XX/XX/XXXX XXXX XXXX XXXX, having its address at XXXX XXXX XXXX XXXX, California, reported a negative collection item to all three major credit agencies ( please see attached ). I disputed this item in XX/XX/XXXX and it was removed from all the known agencies. 

In XX/XX/XXXX this year i have discovered that the item was reinserted to my Equifax credit report ( but to none of the others to my best knowledge ). I was advised that the credit bureau should have notified me within 5 days of reinserting the deleted item, but they haven't done so. Furthermore, I believe that I am being treated unfairly by the bureau. I am now forced to go through the disputing process all over again, including the expensive costs of the process as well as the enormous time i need to put into this. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation