vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
OnXX/XX/XXXX, I disputed three items with TransUnion credit bureau ( File XXXX ) by telephone. I explained to the TransUnion customer service representative that I believed that these three items were added either fraudulently or mistakenly on my account. I truly believe that these are incorrect charges placed on my account and I expressed my concern and my request to have these items investigated by TransUnion and subsequently removed from my credit report. The representative explained to me that the investigation would take up to thirty days and that I can follow the procedure online through the TransUnion website. On XX/XX/XXXX only ten days later, the online portal revealed that the investigation was complete on all three accounts as verified, and that on XX/XX/XXXX the results would be placed on my credit report as accurate/verified. OnXX/XX/XXXXI called TransUnion customer service to request information regarding their procedures used to verify medical debt information. The representative claims that the only form of verification they use is the person 's name and address. I explained that that information could easily be incorrect or used by anyone. However after further questioning, the representative claimed that they also verified the information from my social security number. I explained that I felt that my HIPPA rights had been violated and that I never gave any authorization to any party to disclose my protected information. Then the representative told me that if I was dissatisfied with the results of the investigation, I would have to re-dispute the items. I have tried my best to work with TransUnion directly to resolve my issue, but I feel as if they are not trying to help me resolve this. However, I submitted the same disputes with XXXX credit bureau and two items were quickly deleted. Why is it that TransUnion would refuse to remove these items? Is there some form of discrimination being used?

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 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a compliant with the CFPB 60 days ago regarding an account that appeared on my credit report that listed an amount that I did not owe. ( XXXX XXXX ) According to CFPB XXXX XXXX submitted a dispute to the credit bureaus ; XXXX, XXXX and Transunion but I never heard any of you. I want my credit report updated and this account removed.

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 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a compliant with the CFPB 60 days ago regarding an account that appeared on my credit report that listed an amount that I did not owe. XXXX XXXX XXXX ) According to CFPB XXXX XXXX submitted a dispute to the credit bureaus ; XXXX, Equifax and XXXX but I never heard any of you. I want my credit report updated and this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: FL

Complaint narrative:
The debt was a result of an unpaid ticket citation from XXXX XXXX, Florida from XXXX/XXXX/XXXX. It was a red light camera ticket so no XXXX gave me a ticket. I never received a ticket in the mail, so I have no idea that I had a ticket. My license got suspended because of the unpaid ticket. I was not aware of the suspended license until I was pulled over by a police XXXX. I found out that the ticket was XXXX. So I sent a check out XXXX XXXX. The check went to XXXX XXXX XXXX XXXX XXXX and Services, XXXX. Box XXXX in XXXX, Colorado XXXX check was never cashed so I called the Clerk of the Court in XXXX XXXX XXXX I found out the ticket went to a collection agency, XXXX XXXX in XXXX, PA. I was never notified by XXXX XXXX that they took over the dept. XXXX, the XXXX turned into XXXX XXXX what I now owed XXXX. In addition the check was never cashed, at least not yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: USCB, Inc.
State: CA

Complaint narrative:
Ive been getting multiple calls a day from " XXXX XXXX from USCB to pay a debt. I do not have any debt at all. This is a scam trying to get our credit/credit card for thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This a formal compliant against Experian regarding inaccuracy on my credit file. On XX/XX/XXXX, I  discovered that XXXX XXXX account number xxxxxxxxxxxxx XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XX/XX/XXXX and XX/XX/XXXX by XXXX  which I have proof. I know that CRAs does not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified Experian in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX by DELETING/REMOVING this account from my credit file.

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 2017-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
I do not owe on any medical bills nor have any medical bills recently this is inaccurate and false information

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 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: PA

Complaint narrative:
Credco, XXXX and XXXX XXXX, these agencies placed inquiries on my credit report more than once within less than 30 days, once a credit report is pulled once the company should not have to pull it again within 30 days. I only authorized this agency to do it once and again once the credit report report expires which was in 90 days.

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 2017-08-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation. 
The information in this ID Theft Report is Clearly LEGIBLE. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification. 
I have NEVER had a student loan for ANY School. I have Repeatedly Contacted Department of EDU. And NAVIENT concerning these accounts THEY ARE NOT MINE. 
My wife Does have student loans I DO NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I borrowed about {$2500.00} from XXXX XXXX onXX/XX/XXXX. I 've made payments of {$290.00} every month startingXX/XX/XXXX. I was late with a payment a couple of times and had to pay NSF fee of {$36.00} to my banker ( XXXX XXXX ) and a penalty to XXXX XXXX of {$15.00}. I am still in process of paying this loan off at the said monthly rate. I will have to pay these people until XX/XX/XXXX in order to pay off this debt.This is loansharking at it 's most despicable level in my opinion. I may not be able to get help with this but I wanted your agency to know about this type practice which is prevalent in lower socio-economic communities. XXXX XXXX is another and there are others. Regular banks will not lend money to less affluent people but they finance these loan sharks. The poor people need help. I need help. Please do what you can for us. Thank you. My loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I bought a mattress from XXXX XXXX XXXX in XXXX XXXX, Florida. I financed {$1100.00} with Acima Credit. I paid the balance before the 90 day deadline. I had a credit report last week that says I owe {$1600.00} to Acima. I called Acima yesterday and they said I do not owe anything. I never owed {$1600.00} to Acima. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
I was in the process of refinancing. My old mortgage company " Nations Direct Mortgage '' did everything they could to delay the process. I would pay {$150.00} for a payoff report and less than two weeks later it was n't any good so I 'd have to pay for another. We were finally at the end of XX/XX/XXXX. They had taken my XX/XX/XXXX mortgage payment without authorization via automatic withdraw and told me they would n't reimburse my account and I was just going to let it slide. I signed papers and then three days later I received a check from Nations Direct identified as " Escrow Reimbursement. '' So I cashed it. Then all XXXX broke loose. They sent me that money in error. Their error. The escrow reimbursement money was actually withdrawn from the mortgage account and they refused to close until I wired them {$1500.00}. I did that immediately and the process was closed. But from the end ofXX/XX/XXXXtill even today three weeks after the close and transfer of my mortgage I receive collection calls daily. Yesterday XX/XX/XXXX I received my 9th letter of collection notice and a form for Loss Mitigation Alternative Program. I 've called Nations Direct at least a dozen times and explained to debt collections who call me at work, what the situation is but to no avail. Now I find that my credit rating has been affected by a delinquent mark for a mistake they made. When I ask them to retract the mark they tell me no, that I 'll have to write a letter and dispute the mark. Why should I have to fix their mistake? And as of today I still have n't received any of the money that is sitting in an escrow account. because I paid my property taxes for the year ALL of that money should be coming back to me but has n't. This company has put me through XXXX and affected my credit rating with their errors and shows no remorse of attempt to correct the wrongs they 've caused 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 explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: PA

Complaint narrative:
XXXX, XXXX and Credit Plus, these agencies placed inquiries on my credit report more than once within less than 30 days, once a credit report is pulled once the company should not have to pull it again within 30 days. I only authorized this agency to do it once and again once the credit report report expires which was in 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX, Equifax and XXXX XXXX, these agencies placed inquiries on my credit report more than once within less than 30 days, once a credit report is pulled once the company should not have to pull it again within 30 days. I only authorized this agency to do it once and again once the credit report report expires which was in 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: GA

Complaint narrative:
A company named XXXX XXXX XXXX claims I owe them money. A credit collection agency, Joseph, Mann, & Creed, ( JMC Account # XXXX, Client Account # XXXX ) keeps calling and sending me bills and threatening other actions. 

At some point, my XXXX-year-old daughter contracted with XXXX XXXX to receive services and I neither co-signed nor agreed to be responsible for the account. I never used or benefited from XXXX XXXX in my home. The services XXXX XXXX may or may not have provided my daughter were for her apartment located some twenty-five miles from my home. And as a point of fact my daughter tells me XXXX failed to provide the services she had contracted with them to receive. 

I have asked for proof of my alleged debt and all they send is account statements.

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 2017-08-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
XXXX afternoon. I need your help. I am having issues with Toyota Financial Services. I 've leasing vehicles since XX/XX/XXXX, with no any problems, sin I authorized the Bank to take recurrence payments, this way never I was going to be behind. The situation started sinceXX/XX/XXXX, when I went to the dealer to returned my old Rav 4, XX/XX/XXXX, with only 10,000 miles. The last monthly payment for this old account was withdrawal by Toyota Financial on XX/XX/XXXX, {$350.00}. At the end of XX/XX/XXXX I brought to the dealer my Toyota Rav 4,XX/XX/XXXX, Acct. # XXXX XXXX XXXX. I got my new vehicle Toyota Camry XX/XX/XXXX, same payments, same due date. The problem started here. Toyota Financial withdrawal onXX/XX/XXXX, {$350.00}, and instead to apply this payment to my new vehicle, Acct. # XXXX XXXX, the bank applied this payment once again to the old account for the vehicle that I returned at the end of XX/XX/XXXX. The dealer took care of the paid off, having XXXX balance. I sent via Certified Exhibits to the 3 Major Credit Agencies, since Toyota Financial sent a bad report against me, stating I was behind sinceXX/XX/XXXXup to XX/XX/XXXX. I submitted Exhibits showing receipts from Toyota Financial, statement from the bank and also Ref. # to prove that the bank is incorrect and I am correct. The 3 Major Credit Agencies contacted Toyota Financial Services, after the confirmed that I am correct and not behind, also asking the bank to apply theXX/XX/XXXX to my right account, since the bank applied that payment to my old NON existent account. This bad record was removed on my behalf. However Toyota Financial, just sent me a new bill for {$730.00}. I called 4 times, discussed this matter with 4 customer services, the names, XXXX XXXX other with ID XXXX they put me on hold never came back, every one have different statements, that I did not pay XX/XX/XXXX, I advised I 've the letter from Toyota Financial as receipt of my payment, the last one says I did not pay XX/XX/XXXX, I advised her I submitted to you guys Exhibits of each payments to my new Acct. she said we do not have nothing. Toyota Financial promised to the 3 Major Credit Agencies to update correctly the mistake, did not, because sent me a huge bill asking me to pay XX/XX/XXXX andXX/XX/XXXX $ XXXX, I paid XX/XX/XXXX already, the payment electronically has been submitted by XXXX XXXX, Toyota Financial received the payment onXX/XX/XXXX {$350.00}, XX/XX/XXXXpayment has been paid, and Toyota Financial still having it, refusing to move that payment to the right new account. I 've Exhibits, from XX/XX/XXXXup toXX/XX/XXXX, payments that Toyota Financial has taken and refused to upgrade my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I disputed the account with XXXX XXXX Acct # XXXX XXXX with Experian, XXXX and XXXX. Experian conducted an investigation resulting in the account being deleted. However the account was re-inserted back onto my credit report. I was not given notice of this according to the FCRA. I 've attached and highlighted evidence of the account being deleted.

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 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have tried to get XXXX XXXX deleted from all 3 credit bureaus on my credit report and it still continues to show up. I have documentation that these accounts no longer exist with XXXX since they could not validate the accounts and yet they continue to show on my 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 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian mixed my file with another individual with a similar name. A credit bureau is responsible for maintaining individual reports properly and correctly under the FCRA. Experian 's mishandling and mixing of my individual credit information DECREASED my credit score by over 100+ points. Experian 's incorrect report was over a 100+ points lower than the other two credit bureaus. Unfortunately, this information came to light after I submitted a credit card application with one of my banks. My application was denied based on Experian 's incorrect credit report, and I lost a {$200.00} cash-bonus opportunity. 

On XXXX XXXX XXXX, I reported the improper information listed on my credit report, and the representative informed me that Experian had mistakenly mixed my file with another individual residing in California. While Experian " re-evaluated '' after fixing the relevant issues, I was still denied the opportunity to benefit from a cash-bonus offered by my bank. 
Experian clearly violated their statutory and regulatory requirements under the FCRA by mixing my file with an individual with a similar name -- evidencing that their filing procedures and protocols are not compliant with FCRA requirements.

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 2017-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA

Complaint narrative:
Heartland ESCI has been overcharging me for my monthly student loan payments, stating on my account that I 've been paying less. Thankfully this is a small loan, so my payments are n't much. But others with larger loans could be overcharged as well. My bank statements show I 've been paying them {$35.00} each month from XX/XX/XXXX untilXX/XX/XXXX, but Heartland 's website reports I 've been paying {$33.00} for statements of {$34.00} during this timeframe. They reported me as past due for an amount of {$1.00}. If I 've been paying {$35.00}, {$1.00} higher than the statement amount for a couple of months I should not be past due {$1.00}. If I continue paying {$35.00} every month for ten years I would be paying them {$120.00} more, and for what? The servicing fee is included in the {$34.00}. Something is off with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have tried to get XXXX XXXX deleted from all 3 credit bureaus on my credit report and it still continues to show up. I have documentation that these accounts no longer exist with XXXX since they could not validate the accounts and yet they continue to show on my report.

Company response to consumer: Closed with explanation