vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Professional Bureau, Inc.
State: CA

Complaint narrative:
My service was XXXX to XXXX atXXXX XXXX XXXX and now they have sent my account which shows {$440.00} and now it's to collection agency 'Merchants And Professional Collection Bureau , IncXXXX XXXX for {$440.00}, my date of service was XXXX XXXX and i had XXXX XXXX XXXX XXXX XXXX XXXX XXXX health insurance and i had about {$50.00} deductible and total out of pocket cost was about {$820.00}. but i had copay very low. It has happened to me before that if hospital or clinic don't file claim on time frame according to insurance company guideline then they wouldn't get paid so i would like to get all information starting date of service to when they filed claim to my insurance and again i had about {$50.00} To {$75.00} copay. To me it's look like because of their billing department mistake, so then they go after patients to cover up their cost. They should Audit the billing department

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: CA

Complaint narrative:
These loans are not mine THEY DO NOT BELONG TO ME I HAVE NOT SIGNED OR APPROVED THESE LOANS I DO NOT KNOW WHY THEYWERE TAKEN OUT OR WHY UNDER MY NAME OR WHO USED MY INFORMATION THIS IS NOT MY ACCOUNTS. I HAVE BEEN GOING THRU WITH ALL THE BUREAUS AND NOTHING HAS BEEN DONE!!! I HAVE OPENED AN FTC AND NOTHING IS HAPPENING> Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account

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 2021-05-08 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:
These loans are not mine THEY DO NOT BELONG TO ME I HAVE NOT SIGNED OR APPROVED THESE LOANS I DO NOT KNOW WHY THEYWERE TAKEN OUT OR WHY UNDER MY NAME OR WHO USED MY INFORMATION THIS IS NOT MY ACCOUNTS. I HAVE BEEN GOING THRU WITH ALL THE BUREAUS AND NOTHING HAS BEEN DONE!!! I HAVE OPENED AN FTC AND NOTHING IS HAPPENING> Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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:
These loans are not mine THEY DO NOT BELONG TO ME I HAVE NOT SIGNED OR APPROVED THESE LOANS I DO NOT KNOW WHY THEYWERE TAKEN OUT OR WHY UNDER MY NAME OR WHO USED MY INFORMATION THIS IS NOT MY ACCOUNTS. I HAVE BEEN GOING THRU WITH ALL THE BUREAUS AND NOTHING HAS BEEN DONE!!! I HAVE OPENED AN FTC AND NOTHING IS HAPPENING> Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account

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 2021-05-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
We traded in a vehicle early and had an early termination of our lease on XXXX. The final play off check ( {$19000.00} ) was sent to Chrysler Capital by the dealership on XXXX. Chrysler Capital lost the pay off check and have admitted it was their fault but not until just last week. Because the check was lost and the lease not terminated our account became delinquent. We got the first notice on XXXX. 

Chrysler Capital told the dealership that the check the supposedly never received was short and demanded more money from them ( {$490.00} ). The dealership send in more money on XXXX but not until we received another delinquent mark on our credit report. The additional funds were sent in by the dealership in the amount of Finally Chrysler Capital demanded another pay off check be send in for the original ( {$19000.00} ). In order to close the account. The dealership sent the check on XXXX and it was received and signed for on XXXX. Chrysler Capital admitted that for 12 days the were unable to locate this 3rd check and again we received another delinquent mark on our credit reports. 

Chrysler Capital was finally able to find the check and post it to close the check. 65 days after I first spoke with them to try to find a solution. Now they are not responding with the needed information to update our credit reports. 

Throughout the process I have been told countless mistruths, been given misleading fact, been told this was all my fault. We have been promised but never received a speed resolution, call back from managers, and documentation. You are unable to reach directly those people who are assigned to you account. You are unable to reach managers. Emails are never returned. 

We are in the process of buying a home and closing is contingent on Chrysler updating our credit and providing necessary documentation. They have known from day one that this is a time sensitive request but have made no good faith effort to resolve the issue which will potentially cost us thousands of dollars and the lose of a custom built home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08 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: CORELOGIC INC
State: TX

Complaint narrative:
not mine : fcra violatons XXXX XXXX XXXX - Closed 7 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$20000.00} XXXX XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX 2 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened Indicates the date an account was opened XX/XX/XXXX Account type Lease Paid Off : 4 % Balance on XX/XX/XXXX Loan Amount {$1800.00} {$1900.00}

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 2021-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's Retail Furniture sued me for a debt I didn't owe. They have, for months ignored my requests to verify the debts they are reporting to the major bureaus. They are reporting 3 seperate accounts, with seperate amounts due. The first account is {$1700.00}, next {$1200.00} and {$0.00} for the 3rd account. They sued and subpoened me in XX/XX/XXXX, and I entered a plea of not guilty. When I contacted the firm, they only wanted to discuss payment options. They have continued to report 3 seperate negative accounts, adversely affecting my ability to obtain the purchase of my first home. In XXXX of XXXX, they refused to respond to my request I sent for verification of the accounts. They received it via certified mail on XX/XX/XXXX. As of XX/XX/XXXX, they are still reporting derogatory information. 

This month, Conn 's changed the amount I owe to {$1900.00}, without notifying me of the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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 informed all companies that I did not authorize any inquiries as well as disputed all unauthorized accounts. I was told they came back verified but when i ask how was it verified I was told I could not know that information. Even after I asked for copies they used to verify it knowing I was a victim of fraud

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 2021-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
RMP, LLC have a {$2000.00} collection debt on my credit report. They claim it is for an emergency physician service. However, I have never been seen by their physician. The hospital they claim the bill generated from has stated that I do not owe any money. The debt is fraudulent. Please ask them to remove it from my credit file with the 3 credit bureaus. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: TX

Complaint narrative:
An item was placed on my credit report that was fraudulent. I never received any communication from this agency or business and was not aware of it until my expecting fiance and I were denied housing, due to the damage on my credit. I have retained counsel and if the item isnt removed, pending further investigation, will be moving forward with a legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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 informed all companies that I did not authorize any inquiries as well as disputed all unauthorized accounts. I was told they came back verified but when i ask how was it verified I was told I could not know that information. Even after I asked for copies they used to verify it knowing I was a victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: TN

Complaint narrative:
I am a victim of Identity Theft, someone has access to my personal information and it ruining my credit by applying accounts that I have no knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I feel that Equifax is not scoring my credit fairly. My credit score is XXXX when it should be much higher than this. The reasons they are giving me for things that are hurting my credit are cancelled out by the things they are saying that is helping my credit. Also I have low to no balances on my credit cards but it isnt raising my score one bit. But if I use {$1.00} on my credit card, I get ding severely. Also I paid down half of one of my installments from {$1600.00} to $ {$720.00} and my scored dropped 54 points. Why did my score have to drop so much for paying down my debt? This is unfair. I feel like I am being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: IL

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This bureau is reporting XXXX. XXXX, XXXX as duplicate accounts which is inaccurate information being reported Do not know what this account is XXXX. XXXX XXXX Account # 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 2021-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
Paypal has targeted me as a XXXX and has engaged in a campaign of denying me access to my Paypal Wallet and the money that I have stored there.

Paypal first refuses to remove an old number so that now I can't complete id verification by Mobile Smartphone.

Paypal has now locked my account. They demand a document, but won't specify what document is required ( the email explaining what they want was not ever recieved at primary email address on record with Paypal. ) Paypal has purposly denied me access to my money and have omitted key required email necessary to complete id confirmation in a deliberate attempt of seperating me from my account for political reasons. 

XXXX XXXX XXXX ( former cell now disconnected. ) Please help. 

Sincerly, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is a scam. Trying to unfreeze and they keep asking for different items, I have my password, then it says log in, then it says password error, then it says call, no answer and repeat, then they try to sell you credit monitoring. 
additionally, there is ZERO reason my score is low with them compared to the other bureau 's its almost as if they have a side arrangement to keep the score lower so that banks / finance companies can charge a higher interest. And you can't reach anyone, and repeat.

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 2021-05-08 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I currently have a business auto loan with J.P Morgan Chase for starters I signed for this loan on behalf of a company and was informed the loan would not report to my personal credit. on the XXXX of XXXX I contacted chase to make my auto payment once I made my payment via phone chase verified payment was successful. I later found out that the payment came up invalid because I guess the rep input the incorrect account information. 
It was not until chase reported me late on XXXX the XXXX I was contacted and informed that my payment never processed. I immidely verified my bank account payment and the pay was deducted. I disputed the late with the credit agency and cases still reported me late inspite of me trying to still pay my bills after being laid off with XXXX. After being laid of with XXXX I contacted J.P Morgan chase and informed them that I needed for them to give me thirty days deferment on the auto loan. I was told by the reversative my request was approved and that my next payment was not due until XXXX which I have proof this agreement was updated in my account. However chase still reported my balance past do by the credit agency's..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08 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: MI

Complaint narrative:
I have sent several letters to not only the credit reporting agencies as well as companies directly to advise them that several accounts on my credit report that were a result of identity theft. I have sent police reports as well as the FTC fraud affidavit and they continue to not only report these items, but they have recently charged-off causing even greater harm to my credit score and any lending opportunities in the future.

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 2021-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
0n XX/XX/2021 I mailed a letter to Capital One regarding my account ending in XXXX seeking more information about the denial of my request for a credit line increase. 
Under the Equal Credit Opportunity Act, I have the right to know the specific reason why my credit line request was denied. Although I have been a Capital One credit card holder for decades with a credit score in the 800 's with a credit utilization less than 5 %, the only response I have received is that the recent use of this accounts existing credit line has been too low. Since this is not specific, it is requested Capital One provide the specific factors based on my credit profile that was used to deny my request for a credit line increase. A letter was received acknowledging my correspondence but did not offer the information requested. Instead I was asked to call and speak with a Customer Service Representative. I would like to have the reason regarding my denial in writing based on the Equal Credit Opportunity Act. 

The letter mailed is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: AL

Complaint narrative:
I demand the deletion of the fraudulent account and inquirie listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: MI

Complaint narrative:
I have sent several letters to not only the credit reporting agencies as well as companies directly to advise them that several accounts on my credit report that were a result of identity theft. I have sent police reports as well as the FTC fraud affidavit and they continue to not only report these items, but they have recently charged-off causing even greater harm to my credit score and any lending opportunities in the future.

Company response to consumer: Closed with explanation