vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-03 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: OH

Complaint narrative:
I submitted disputes on my credit report with XXXX, Equifax and XXXX on XX/XX/XXXX. I included all required information to prove my identity including my driver 's license and a current electric bill. All 3 companies sent me letters stating that they needed more proof of my identity before they could do anything. On XX/XX/XXXX I sent all 3 companies a copy of my driver 's license, a copy of my social security card and a copy of a letter from the post office showing my change of address along with my disputes. Once again they have sent me letters requesting the same information from me that I have already supplied them with such as, ID, Social Security Card and proof of address. My letters were very clear and I believe this to be a stall tactic on their part to allow the creditors that I am disputing to have more time and keep these items on my credit report.which is a clear violation of my rights as a consumer. This is keeping me from getting a mortgage because they are n't doing their job properly. Please look into this because this is hindering me from doing a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: OH

Complaint narrative:
I submitted disputes on my credit report with XXXX, XXXX and Experian onXX/XX/XXXX. I  included all required information to prove my identity including my driver 's license and a current electric bill. All 3 companies sent me letters stating that they needed more proof of my identity before they could do anything. On XX/XX/XXXX I sent all 3 companies a copy of my driver 's license, a copy of my social security card and a copy of a letter from the post office showing my change of address along with my disputes. Once again they have sent me letters requesting the same information from me that I have already supplied them with such as, ID, Social Security Card and proof of address. My letters were very clear and I believe this to be a stall tactic on their part to allow the creditors that I am disputing to have more time and keep these items on my credit report.which is a clear violation of my rights as a consumer. This is keeping me from getting a mortgage because they are n't doing their job properly. Please look into this because this is hindering me from doing a lot.

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 2017-07-03 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: TN

Complaint narrative:
I filed a chapter  XXXX . It was discharged. I sent paperwork to Navient showing the discharge. They put my loans back in repayment mode. I had to ask for a forbearance. They have improperly directed me into the forbearance. I was not properly informed of deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: AL

Complaint narrative:
I AM REQUESTING A RE- INVESTIGATION OF THE INQUIRIES ON ALL  XXXX  CREDIT BUREAUS. THERE ARE  XXXX  INQUIRIES ON MY TRANSUNION CREDIT REPORT THAT I DID NOT AUTHORIZE. AS YOU CAN SEE SOMEONE USE MY IDENITY AND OPEN UP ACCOUNTS IN MY NAME IN  XXXX   XXXX  NEVADA. A PLACE I HAVE NEVER LIVED AND I AM STILL FIGHTING TO HAVE THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND I HAVE MAILED LETTERS TO EACH CREDITOR ASKING FOR REMOVAL OF MY CREDIT REPORT. I AM ASKING AGAIN FOR A  RE  INVESTIGATION FOR THE REMOVAL OF ALL  XXXX  INQUIRIES OFF MY CREDIT REPORT FROM TRANSUNION AND  XXXX  FROM   XXXX   AND  XXXX . I HAVE DONE MY PART BY SENDING OUT CERTIFIED LETTERS TO THE COMPANIES AT THIS TIME I AM ASKING FOR DELETION OF MY CREDIT FILE. THESES WERE ALL FRAUDULENT INQUIRIES

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 2017-07-03 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: AL

Complaint narrative:
I AM REQUESTING A RE- INVESTIGATION OF THE INQUIRIES ON ALL 3 CREDIT BUREAUS. THERE ARE 23 INQUIRIES ON MY XXXX CREDIT REPORT THAT I DID NOT AUTHORIZE. AS YOU CAN SEE SOMEONE USE MY IDENITY AND OPEN UP ACCOUNTS IN MY NAME IN XXXX XXXX NEVADA. A PLACE I HAVE NEVER LIVED AND I AM STILL FIGHTING TO HAVE THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND I HAVE MAILED LETTERS TO EACH CREDITOR ASKING FOR REMOVAL OF MY CREDIT REPORT. I AM ASKING AGAIN FOR A RE INVESTIGATION FOR THE REMOVAL OF ALL 23 INQUIRIES OFF MY CREDIT REPORT FROM XXXX AND 26 FROM XXXX AND EXPERIAN. I HAVE DONE MY PART BY SENDING OUT CERTIFIED LETTERS TO THE COMPANIES AT THIS TIME I AM ASKING FOR DELETION OF MY CREDIT FILE. THESES WERE ALL FRAUDULENT INQUIRIES

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 2017-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: AL

Complaint narrative:
I have an old medical bill that was sent to collection that I normally pay on my next  Doctor  visit. I have n't been in so it was sent to collections in which I did n't know of. Did n't receive no letter stating debt and when I did receive a phone call the representative was very rude and threatening. Had a harsh tone and told me that if I did n't pay in a week I would be sued. The representative would n't even work out a payment plan for the debt of {$150.00}. So know it 's on my credit report damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: VA

Complaint narrative:
I have contacted  XXXX , about a unauthorized inquire showing up on MY Experian and  XXXX   XXXX  credit report back in  XX/XX/XXXX . I  have reached out to  XXXX  several time from    XX/XX/XXXX   to  XX/XX/XXXX  with no   resolution. I 'm in the process of buying a home so I 've been extremely focused on NOT applying for any new accounts of any kind.   XXXX  I have been a vi ctim of Identify theft twice within the past 10 yrs. I have co ntacted the credit agencies and they are no help at all. I have been in contact with them as well in regards to some other fraudulent accounts over the yrs. It has taken me countless of hours and thousands of dollars to prove these account were not mine. I have placed fraud alerts on all  XXXX  credit reporting agencies to protect me but as I 'm realizing nothing if full proof. Because of the fraud alert creditors call to verify information per the statement on my credit report. I DO NOT APPLY FOR ANYTHING ONLINE out of fear of have my information compromised again.

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 2017-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
O n  XX/XX/XXXX , o ur daughter had a   XXXX   XXXX   XXXX   XXXX   XXXX  . We used  XXXX  to try and remove it at home. After a while, the indention was still there, so we decided to take her to  XXXX   XXXX   XXXX . When we arrived we signed in. We looked at her toe again under the fluorescent lights at the hospital and determined that the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   .  We told the hospital that under the lighting, we could tell that the   XXXX   was no longer there. Since we already signed in, they had us sign something that said we no longer needed to receive treatment from them. We went home and received a few bills a month or so later. They totaled around {$170.00}. I called the hospital to speak to the billing department. They said it was a mistake on their part and said that it was taken care of on their end. Apparently {$120.00} of the entire bill was eradicated because we have received no bills whatsoever in probably a year or so. Now, after all this time, we are getting a bill from a debt collector for {$47.00}. I called the debt collec tor, ARS, on  XX/XX/XXXX  and  explained to them the situation and told them I wanted to dispute the debt. They told me they will continue to contact me for the debt.

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 2017-07-03 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: CITIBANK, N.A.
State: DC

Complaint narrative:
CitiBank was my Student Loan Lender until XX/XX/XXXX. My loan has since been sold to XXXX. <P/>On XX/XX/XXXX my father unintentionally made a {$1500.00} payment to my old CitiBank Student Loan Account through his XXXX XXXX on line payment checking account. In the past, he had occasionally submitted payments to assist me with paying down my student loan debt with Citibank. As such the account was still in his online payment menu. The {$1500.00} payment was intended for a different recipient. As documented by XXXX XXXX in Exhibit A, the payment was processed to the CitiBank on line Payee and accepted by the account as listed below : Citi-The Student Loan Corporation XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX Student Loan Acct No XXXX To date, it appears that above account is still active and accepts on line payment, even though Citibank maintains they have no record of the account number, they have since closed the account, and closed accounts will bounce back the payment automatically to the originator. It is also my understanding, they no longer have a student loan operation. As of XX/XX/XXXX, no payments have been returned by Citibank or XXXX. XXXX states the payment needs to be returned by Citibank ; Citibank states that XXXX needs to rescind the unauthorized payment from their end. As a consumer, having spent 20+ combined hours in person and by phone, my Father and I are at this point seemingly powerless to large institutions who do not seem to care enough to do what is right by their hardworking customers. As such, we are filing an official complaint with CFPB.

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 2017-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
It 's been well over a year now, and I 'm still battling with Merchants  & Professional  remove a fraudulent medical account. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply with the FACTA and I 'm suffering the consequences of this identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian has switched my social security number with my deceased husbands number. He has been deceased for almost 17 years. I was denied credit recently because of this. This has not been an issue until recently. I have been trying to get this corrected with them but I have been getting a different answer every time I call. The last call I was told that it is against the law for them to change the ss number without proof but they did not have any proof when they changed it to the incorrect number. I uploaded a copy of my SS card twice, the first time they said they could not read it and then I was told they never received anything. I have now sent everything registered mail with signature required. I am being told it should be corrected within 3-5 business days after the receive it.
I have an excellent credit score and I am being denied credit because Experian has for some unexplained reason changed my social security number. This should never have happened and I am having to jump through hoops to prove their mistake. XXXX 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 non-monetary relief
Consumer complaint received 2017-07-03 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: AL

Complaint narrative:
I RECENTLY FILED A CLAIM WITH THE CFPB IN REFRENCE TO FRAUDULENT ACTIVITY ON MY CREDIT REPORT. I AM ASKING FOR A  RE INV ESTIGATION. I HAVE LIVED IN ALABAMA 53 YEARS. I HAVE SENT PROPER DOCUMENTATION TO SHOW I AM A LABAMA RESIDENT. NEVER LIVED IN  XXXX   XXXX  NEVADA. SOMEONE APPARENTLY WAS LIVING UNDER MY IDENITY IN  XXXX   XXXX  NEVADA DURING THE TIME I RESIDED IN ALABAMA. I HAVE STATE OF ALABAMA NOTICES FROM THE DEPARTMENT OF REVENUE SHOWING I OWE TAXES FOR  XXXX ,  XXXX .  XXXX ,  XXXX  I HAVE MY ALABAMA TAX RETURNS AND ALSO BILLS. HOW IS THIS POSSIBLE TO LIVE A DOUBLE LIFE. I SUBMITTED 19 YEARS WORTH OF ALABAMA ISSUED DRIVERS LICENSE. POWER BILLS, LEASE. TO SHOW AT THE SAID TIME I RESIDED IN ALABAMA NEVER LIVED OUTSIDE ALABAMA.   XXXX   HAS REMOVED THESE ACCOUNTS FROM MY CREDIT REPOR T NUT  NOT TRANSUNION AND  XXXX . PLEASE SEE THE FOLLOWING ACCOUNTS THAT DO NOT BELONG TO ME  XXXX  -BANKPRUTCY  XXXX   XXXX  NEVADA   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   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 2017-07-03 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: TX

Complaint narrative:
The Collection agencies did not give me a paid in full paper work ; they were acting in good faith on behalf of XXXX XXXX XXXX XXXX XXXX XXXX ; They did not keep calling or writing but the debt was not removed from my credit record ; They single handedly use this one negative report for too many points for to long of time. They claimed no revolving credit or too few revolving account paid on time foe years now. They did not think of Pay Day loan companies was building credit ; they kept listing a Bankruptcy that was Dismissed in 2009 was still used unto this day? They sighted 1 late mortgage account in more than 2 two years was a good reason to deny credit? The Checking account for XXXX was closed and reopened after XXXX did not respond in time with documents used as a attempt to pay -- XXXX XXXX. They added a new never heard of before Collection agency for {$240.00}. XXXX XXXX XXXX 1 call and 1 letter? Contacted XXXX XXXX XXXX of XXXX XXXX Department and fell on deft ears after last payments made. They upheld the XXXX demand for " debt will ; not be released until they could wipe down the inner loins for the innermost place of the port for purging waste was paid ''?

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 2017-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: VA

Complaint narrative:
Someone stole my information and opened a Credit card in my name and talked to the bank more than a time but they say they sent the Credit card to the address of my house and I did not use this Credit card My name XXXX XXXX XXXX Bank name discover bank Open date XXXX 2017 Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My account with Synchrony was opened for {$1500.00}, because i had major transmission work done and did not have enough credit cards to spread the enormous expense over. They offered 12 months of interest free payment ( 30 % deferred APR ). I was paying down, on the average more than the minimum, on a monthly schedule. On X/XX/2017 after 12 months and a balance of {$780.00}, had expired i was hit with a {$450.00} interest charge. Now my balance went up to {$1200.00}. I immediately called them and asked why did they do that and they said that it was in their contract, which i never read since i opened this card at XXXX transmission and all i had to do is sign. I never had or had the opportunity to read any contracts. Also, no one ever discussed or disclosed that the interest will balloon at end of 12 months. I asked to talk to their supervisor or someone higher up the org-chart and they said i need to call next business day. I called several times between late XX/XX/XXXXand XX/XX/XXXX. Each time they put me on very long hold times 1.5hours or longer as i tried to get in touch with their supervisor to explain what is going on. Last time i called and asked to pay off the original debt and was put on hold again for well over 2hours. I do not have time to wait on the phone for unreasonable amounts of time as i need to work and have responsibilities. I called all 5 of my other credit cards and all the banks said that after their deferred APR expires normally the regular annual APR kicks in. There is NO Ballooned interest with any of the other credit agencies. I believe this bank is practicing unethically and possibly criminally. I want to pay off my original debt in one lump sum and be done with it. <P/>Please help!!!! <P/>Thank you. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX 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 monetary relief
Consumer complaint received 2017-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
In pursuit of a fraudulent debt assigned to Professional Debt Mediation by my former landlord, XXXX XXXX XXXX, a fake Certified Mail notification regarding a claim on my {$300.00} rental deposit was generated on X/XX/2016 in order to steal it and cover up the fact that a claim on it had already been submitted to the Credit Reporting Agencies more than two moths prior without notifying me about it beforehand in violation of Florida Statute 83.49 ( 3 ) ( a ), which requires that landlords notify former tenants within 30 days via Certified Mail ( unless the tenant vacates or abandons, which is not applicable when the Courts order the Sheriff to possess the apartment on behalf of the landlord ) of any intention to impose a claim on the deposit and also to refund the deposit before continuing any additional collection activities ( see XXXX ). Moreover, the landlord feloniously intercepted the fake Certified Mail notice on X/XX/2016 with the help of the XXXX for the route -- who was obligated to forward all of my First Class mail on a permanent basis as of X/XX/2016 ( see section 2.3.7 at XXXX for details regarding the applicability of Certified Mail as it pertains to Change of Address requests ) -- in an effort to prevent me from finding about the landlords illegal conduct.

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 2017-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IA

Complaint narrative:
I contacted Fed Loan Servicing regarding student loans in XXXX. I was inquiring about the student loan forgiveness program. I work for a non-profit, and have since XXXX. I was told that in order to become eligible for the program I would have to bring all my loans over to Fed Loan Servicing. Just recently I found out that information was not correct and my loans qualified for the program since my start date at the non-profit. All my loans were Government loans and did not need to be consolidated to be eligible. I have asked several times over the years and received misinformation on my loans. <P/>All I would like is to have my loan payments back dated to when I started working for a non-profit. I feel as though Fed Loan Servicing wanted my loan consolidated with them for their benefit, not mine. The customer service agents I have spoken with tell me they can not do anything.

Company response to consumer: Closed with explanation