vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
I received ( 4 ) four bills from XXXX , IXXXX XXXX XXXX XXXX XXXX , MO XXXX XXXX. For charges that I have no knowledge of. 
Bill 1. consumer # XXXX client reference # XXXX Amount {$30.00} Bill 2. account # XXXX consumer # XXXX Amount {$290.00} Bill 3. account # XXXX consumer # XXXX Amount {$180.00} Bill 4. account # XXXX consumer # XXXX Amount {$160.00} with the total of {$670.00} that is been reported to the three credit bureaus. I called XXXX AND TOLD THEM THAT I DID NOT HAVE THESE BILLS. I DID NOT KNOW WHO MADE THESE CHARGES. I ASK THEM TO STOP REPORTING TO THE CREDIT BUREAUS ON MY SOCIAL SECURITY. I ASKED THEM TO REMOVE IT FROM MY CREDIT REPORT THEY REFUSED. THEY SAID IT WILL STAY ON MY CREDIT REPORT UNTIL I PAY. PLEASE ASK THEM TO REMOVE THE FOUR CHARGES FROM MY CREDIT REPORT. I HAVE CALLED THEM MORE THEN 10 TIMES. THEY STILL REFUSED TO REMOVE IT FROM MY CREDIT REPORT. I FILED 4 DISPUTE WITH THE 3 CREDIT BUREAUS THEY ALSO REFUSE TO REMOVE IT FROM MY CREDIT REPORT. I HOPE YOU CAN HELP RESOLVE THIS 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 2018-08-17 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: MN

Complaint narrative:
I have continuously disputed information with equifax and although the accounts are not mine they continue to report the information stating they have investigated and verified accounts that I know are not mine I have disputed every month for 1 year starting XX/XX/XXXX until now.XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
My student loan is serviced with Navient. I applied in XX/XX/2018 to get my student loan forgiven through the XXXX  loan forgiveness program that requirs 5 continuous years XXXX  in a XXXX XXXX XXXX XXXX. I have met all the requirements, filled out a completed and correct application and submitted it the application in XX/XX/2018. The application was processed and submitted for approval and forgiveness. During this process, the loan was placed in forbearance. On XX/XX/2018, I received an email from Navient stating I must complete a new student loan forgiveness application since the address of the XXXX  is missing in section five of the application. That information from Navient is incorrect. The application and all pertinent information was completed, accurate, and submitted in XX/XX/2018. They accepted the application as complete since all infotmation was correct and completed on the application. This process has caused undue stress, XXXX, and worry. It has delayed me the opportunity to buy a house, start a family, and get married.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: NJ

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the ECRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed.

Please resolve this matter as soon as possible. 

Thank You.

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 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Plaintiff asserts XXXX  XXXX XXXX, XXXX ( " XXXX  '' ) failure to provide him proof conducted an intrusive investigation into XXXX XXXX XXXX XXXX having engaged in fraud and deception. Creditor reporting unfounded statements and unsubstantiated claims Plaintiff owing a balance is gross fabrication. XXXX  not contending in writing receiving evidence of proof, Affidavits from sworn police officer, bank statements Discover drafted from Mr. XXXX bank accounts, XXXX sent a statement to XXXX XXXX citingyour account balance is XXXX and account paid in full around XX/XX/XXXX. Attorney General conducted an investigation thru discovery XXXX  never conducted an intrusive investigation, into fact findings but instead, reliance on XXXX falsity of facts. 

Mr. XXXX consumer requesting FTC intercede on his behalf an conduct investigation into XXXX, repeatedly and persistently failure to remove the erroneous information timely. CRAs knowingly from XX/XX/XXXX through XX/XX/XXXX creditor receiving payments made via XXXX XXXX  via phone. In support of argument Deputy XXXX XXXX County Sheriff provided affidavit around XX/XX/XXXX XXXX committed fraud against Mr. XXXX government employee and service member. XXXX  knew or reasonably known of fraud or fraudulent acts rather than take appropriate action instead reported Mr. XXXX owing XXXX in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( a ) et seq. ( " FCRA '' ), supports and substantiates furnisher of the misrepresentation of the facts and XXXX   retaliated or engaging retaliatory action. 

Plaintiff 's asserts both employers XXXX  and XXXX engaging in pattern of conduct, that is habitual and habit forming, making unsubstantiated claims that there is no timing requirement for response or responding to identity theft that occurred or is occurring is incorrect and in violation of 15 U.S.C. 1681g ( a ) .FTC stops unfair, deceptive andfraudulent business practices.

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 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX I opened a card with AMEX under the Platinum services. The agreement was that me, the customer, was to spend {$5000.00} within the first 3 months and if that is accomplished I would receive XXXX membership rewards points. On XX/XX/XXXX I called AMEX to downgrade my card because I wouldn't be using it for its purposes. In doing so, my rewards were downgraded as well. Thus it was agreed over a phone conversation that I would need to spend {$4000.00} in order to achieve XXXX points. Today, XX/XX/XXXX I have not seen any points updated on my account to reflect what I have already spent. As of today I have spent over {$4200.00}, of which has been paid in full and on time and include {$550.00} in annual fees, and only have XXXX points. I have contacted AMEX on XX/XX/XXXX and XX/XX/XXXX. There has been an escalation with XXXX ' attached for reference. I have also since called and online chatted with customer service representatives who give me different answers as to when my situation will be resolved. Some say within a day and others say 6-8 weeks. My concern is that my time period of 3 months will be up and therefore I won't receive anything at all. I have been a customer with AMEX since XXXX and have always paid my balances in full and on time. I feel slighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: NJ

Complaint narrative:
I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the ECRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed.

Please resolve this matter as soon as possible. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Someone promised me money greater than 100 $ but in a spoof email pretending to be someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: MD

Complaint narrative:
Between XX/XX/XXXX-XX/XX/2018 a public record was removed from my credit report as the result of a dispute I filed. I contacted the company which a representative stated the public record was removed and I would receive a new credit report. Within the same week I received an alert from my credit monitoring Agency that the public record was added again. I contacted the company directly, submitted another dispute and the company stated this never happened. The fcra states that the credit reporting agency has 10 days to notify me of any additions of removals from my credit report. That was not done by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: NJ

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the ECRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. 
Please resolve this matter as soon as possible. 
Thank You.

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 2018-08-17 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: Creditors Bureau Associates
State: GA

Complaint narrative:
Reporting for original creditor. Accounts are paid. They have bought these accounts and still trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: Credit Bureau Systems, Inc., Paducah, KY Branch
State: GA

Complaint narrative:
Reporting for original creditor. Accounts are paid. They have bought these accounts and still trying to collect

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Disputed Account still remains on my report. Card was opened fraudulently. I had no knowledge of this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Account opened fraudulently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/XXXX I called Navient to reapply for my Rate Reduction program. I began the program in XXXX. I would call yearly to give my financial statement and they would admit me back in. XX/XX/XXXX they told me my program was going from a 1 year to a Six month plan, so I needed to call every 6 months with my new financials. I called in XX/XX/XXXX with my financials and they readmitted me in. Come XX/XX/XXXX, I did not receive the normal email reminding me to re apply for my program. It has slipped my mind without the normal reminder and they ended up charging me {$1300.00} for the month of XX/XX/XXXX. I called and they gladly refunded my money because they made the mistake of not reminding me. They asked me to call back in XXXX before my next payment to reapply for the program. I called XX/XX/XXXX at XXXX and gave all my financials that I had given previously. Nothing had changed from XX/XX/XXXX. They woman on the phone told me that everything is exactly the same as it was in XXXX but unfortunately they can not accept my enrollment at this time. I asked why? if everything is the same. The response I received was : " We just plug the numbers into the system and due to the system update, they did not accept you, unfortunately this is something we can not override. '' I asked to speak to a manager and she told me that even if I did it would mean nothing, its what the computer generates. My monthly payment had jumped {$600.00}. I told her I can not afford that, and she said to try again next month and maybe the computer will accept me then, and to keep trying every month. If they have a program that requires your financials to meet a certain percentage then why is a computer making the decision that is exactly the same as it was 6 months ago when I was approved?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: FL

Complaint narrative:
Pulled my free annual credit report from Equifax and my old bankruptcy is still listed on the report. I was advised at the time of filing this chapter of bankruptcy would remain on my report for SEVEN years which has no passed. I attempted to file a dispute but was advised Equifax could not verify my identity after it had already been verified to receive the report. Equifax Report Confirmation # XXXX. I think this is ridiculous. 

My bankruptcy is over 7 years old which I was advised was the time limit for the case remaining on my credit report for the Chapter of Bankruptcy I filed in XXXX of XXXX. Reference Number : XXXX on Equifax report date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I have reached out to XXXX XXXX XXXX  about account XXXX opened XX/XX/XXXX for the amount of {$300.00} with a current reported balance of {$480.00}. I contacted them in writing on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX about this account being a fraudulent account. I sent a copy of my police report, Identity theft affidavit along with copies of my license, and social security card. I have not received any documents or any correspondence back form this company. This is in direct violation to the Fair Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On several occasions now, Regions Bank, XXXX XXXX, XXXX Ga. where I opened the account, has taken money from me in the process of my using their services. This has become habitual. Currently, the bank on both XX/XX/2018 and again on XX/XX/XXXX of 2018, the bank withdrew fees, ( 3 ) in total in the amounts of {$36.00} dollars and then {$72.00}. The fees are for NSF charges and the account was NOT over drawn on any of the days and dates they did this. It is as if they are using my account like a cookie jar for their own use. I called and argued the fact back in XXXX and proved the account was not over drawn using the banks own statement for the day and days surrounding the debit, and they STILL refused to return the money. Getting away with this, they apparently feel free to do it again. The money missing this time prior to my realizing what they had done did cause my account to over draw a week later, by their construction, and a snowball affect of their taking more fees! THEY HAVE BLATANTLY STOLEN MONEY FROM ME, practice methods to then force and cause an infraction ; AND THEN TAKE THE POSITION THAT I CAN'T DO ANYTHING ABOUT IT! Can you please file a formal complaint and help me. I'm fed up with their many practices.They have at one time back in XXXX solicited me to use their bank to bank transfer funds process which, when I followed through in the amount of more than {$600.00} dollars, ( two separate transfers, and I paid a monetary fees for the service ) .... the money never showed up into the other bank. I waited days. When I attempted to located the transaction online within my statement, Regions took away my ability to access my account online. The tech department couldn't even get me a new pass word or fix the issue. After a week and in visiting the bank in person because the money just " disappeared '' and the bank refusing to return my money, I went to a lawyer and within several days I was back online and the money was returned. However, they are apparently now at it again. If they are bullying me and stealing from me, I'm sure I'm not the only one. I have photo copies of my bank statements and will attempt to forward them here if possible. 
Thank you, Ms. XXXX XXXX The Artists XXXX XXXX  XXXX ( XXXX ) XXXX Cell ( XXXX ) XXXX Business

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 2018-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I Am Having a Problem with a Fraud Checking Account That Was Open With Capital One 360 there was a Checking Account that Was Open without My Permission and is Still Showing on My Capital One User Name And Has Not Been Removed i Contacted Capital One 360 Customer Service And They Told Me The Account Was Already Closed But is Still not Closed on my My Online ID And Has Not Been Deleted From My Capital One Profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I applied to refinance my loan and sent all the papers requested and the company just stop communicating and never processed the loan nor would tell me why got all my person information conducted and appraisal, two visited Got tired of waiting so went to another company and got it done still nothing freedom mortgage.

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 2018-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Webcollex, LLC
State: TN

Complaint narrative:
They call everyday at a number that waa not given to them and third party about debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
Received an invoice from Apex Asset Managment ( a collection agency for XXXX XXXX XXXX ) on XX/XX/XXXX, claiming a payment due of {$22.00} for services from XXXX XXXX XXXX in XX/XX/XXXX. 

I wrote them a letter on XX/XX/XXXX informing them that I had paid all invoices presented to me from XXXX XXXX XXXX, had never received a late notice or invoice represented by these amounts, and requested additional information. I copied XXXX XXXX XXXX. 

I received a second invoice from Apex Asset Management, noting they have not received a response from me. I have not received any response from either Apex Asset Management or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation