vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-13 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX XXXX has listed a {$610.00} collection to my credit report. The debt source is accurate, however the balance is not. The final high balance of that delinquency does not match the collection amount. 

I have paid this debt and have sent mail to XXXX XXXX asking about the debt however have not received a response. ( Both electronic and snail ) 15 U.S. Code 1681i states that Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services
State: MI

Complaint narrative:
I have been contacted numerous times by a company I have never done business with. This company is in no way located or associated with the state of Michigan and I have never resided outside of this state. I have asked them numerous time via phone to VALIDATE the debt they say they have on file for me. They have not sent VALIDATION to me as to why they are contacting me regarding a debt I do not owe to them. I have NEVER signed or agreed to any contracts with this company and I don't know why they think they have any rights to continue to say I do or to contact me at all. They have placed this said debt on my credit reports without first sending me written proper validation or written warning. This is a violation of HIPPA as well as the FCR act and I have rights to take this further. I want them to decease contact with me immediately and them to remove this NEGATIVE mark from all of my credit report ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: AES/PHEAA
State: CA

Complaint narrative:
I have two student loans currently in repayment status, held by servicer AES. I have auto-bill pay set up to make electronic payments each month. In XX/XX/XXXX, AES stopped processing my payments, though I made no changes to bank bill-pay or my repayment status with AES. When I contacted AES and asked them why they stopped processing my payments, they informed me that I am 'paid ahead ' on my loans until XX/XX/XXXX. So, instead of applying my XX/XX/XXXX., XX/XX/XXXX., XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX automatic payments to my loan principal, they just let the loans sit there accruing interest. Is this legal or ethical? Further, is there a class of other loan customers to which this is happening? In other words, is it an isolated occurrence, just an oversight? Or is AES deliberately not processing payments on 'paid ahead ' loans in a predatory attempt to earn more interest? Can you find out and let us know? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: VA

Complaint narrative:
All 3 credit bureaus are reporting unauthorized credit inquiries which I have attempted to dispute online with no results. Upon noticing the unauthorized inquiries, I immediately placed a temporary fraud alert on all reports. I would like these false inquiries removed from all 3 reports. 

XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX EQ : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: NY

Complaint narrative:
i AM A VICTIM OF I DENTITY THEFT I HAVE WRITTEN THE CREDI BUREAUS EXPERIAN AND XXXX AS WELL AS XXXX NUMEROUS TIMES OVER THE PAST YEAR TO SEND THEM MY POLICE REPORT, FCRA 605B, DRIVERS LIC. COMPY OF MY CREDIT REPORT, ADDRESS ID AND A FULL NARRATIVE DIRECTING THEM ON WHAT IS FRAUDULENT ON MY CREDIT REPORT CIRCLING THE ITEMS, THE LATENESSES,  AND THE INQUIRIES AND THEY REFUSE TO ABIDE BY MY FRAUDULENT ACCOUNTS ON MY REPORT AND REFUSE TO REMOVE THEM IN A TIMELY MANNER AS THE FCRA 605B MANDATES THEY DO BY FEDERAL LAW. I HAVE TOLD THEM WHAT ITEMS ARE NOT MINE AND WHAT ITEMS TO REMOVE AND THEY HAVE REFUSED AND THEY ALSO HAVE GONE PAST THE 30 DAYS ALLOWED TO ADJUST MY SCORE AND REPORT AND REFUSE TO DELETE THE ITEMS AS STATED ON MY IDENTITY THEFT POLICE REPORT.I DEMAND THAT THESE ITEMS TO BE REMOVED AND MY SCORE ADJUSTED.

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 2018-05-13 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: VA

Complaint narrative:
All 3 credit bureaus are reporting unauthorized credit inquiries which I have attempted to dispute online with no results. Upon noticing the unauthorized inquiries, I immediately placed a temporary fraud alert on all reports. I would like these false inquiries removed from all 3 reports. 

XXXX XXXX XXXX  XXXX XXXX  TU : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2018-05-13 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: VA

Complaint narrative:
All 3 credit bureaus are reporting unauthorized credit inquiries which I have attempted to dispute online with no results. Upon noticing the unauthorized inquiries, I immediately placed a temporary fraud alert on all reports. I would like these false inquiries removed from all 3 reports. 

XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2018-05-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Officer, I'm writing to report problem experienced with XXXX XXXX, which led to incorrect reporting of late payments. 

I'm a customer of XXXX XXXX  since XX/XX/XXXX, everything was fine until recent years, when they keep changing their credit card program ( from XXXX XXXX to XXXX XXXX in XX/XX/XXXX, and from XXXX  to XXXX XXXX  in XX/XX/XXXX ), which creates great confusion for customers. 

In XX/XX/XXXX, I thought the program is ending, so I tried to pay off my entire balance using reward points. However it appears that some pending charges were not showing at the moment, therefore {$65.00} was left unnoticed. 

There were no alerts sent to me regarding the charges. When I found out two months later myself, I immediately called and paid off the balance. The late fees were removed immediately, however the incident led to an impact on my credit score by 50 points. 

I called and wrote to the dispute department several times, however they remain unresponsive. Therefore I'm writing to CFPB to have the issue resolved. 

Last but not least, it appears that XXXX XXXX increased the reward points redemption threshold from around 1,000 to 25,00, which forces customers to use the card even though the features of the card is no longer competitive. I found that exceptionally unfair to the customers, and I saw no other company implementing the same rule. 

Please advise, really appreciate your help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: NY

Complaint narrative:
i AM A VICTIM OF I DENTITY THEFT I HAVE WRITTEN THE CREDI BUREAUS XXXX AND XXXX AS WELL AS TRANSUNION NUMEROUS TIMES OVER THE PAST YEAR TO SEND THEM MY POLICE REPORT, FCRA 605B, DRIVERS LIC. COMPY OF MY CREDIT REPORT, ADDRESS ID AND A FULL NARRATIVE DIRECTING THEM ON WHAT IS FRAUDULENT ON MY CREDIT REPORT CIRCLING THE ITEMS, THE LATENESSES,  AND THE INQUIRIES AND THEY REFUSE TO ABIDE BY MY FRAUDULENT ACCOUNTS ON MY REPORT AND REFUSE TO REMOVE THEM IN A TIMELY MANNER AS THE FCRA 605B MANDATES THEY DO BY FEDERAL LAW. I HAVE TOLD THEM WHAT ITEMS ARE NOT MINE AND WHAT ITEMS TO REMOVE AND THEY HAVE REFUSED AND THEY ALSO HAVE GONE PAST THE 30 DAYS ALLOWED TO ADJUST MY SCORE AND REPORT AND REFUSE TO DELETE THE ITEMS AS STATED ON MY IDENTITY THEFT POLICE REPORT.I DEMAND THAT THESE ITEMS TO BE REMOVED AND MY SCORE ADJUSTED.

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 2018-05-13 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:
My past credit disputes and results have been reported with error after error with XXXX, US DEPT OF EDUCATION, and XXXX XXXX XXXX. This ranging from XX/XX/2004 to current. 

XXXX and US Department of EDUCATION have each loan account on my credit report 2 to 3 times each. Due to some " old '' and incorrect reporting of accounts and not properly reporting and or removing these accounts off my credit report. After disputing 3 times and making several phone calls I need a proper investigation with account amounts and dates from a higher source. 

XXXX XXXX  XXXX XXXX XXXX has also been improperly reporting dates and amounts after disputing 2 or 3 times also reporting all student loans as 1 big loan which is incorrect and some or all due to abuse of laws should result in deletion.

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 2018-05-13 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:
My past credit disputes and results have been reported with error after error with XXXX, US DEPT OF EDUCATION,  and XXXX XXXX XXXX. This ranging from XX/XX/2004 to current. 

XXXX and US Department of EDUCATION have each loan account on my credit report 2 to 3 times each. Due to some " old '' and incorrect reporting of accounts and not properly reporting and or removing these accounts off my credit report. After disputing 3 times and making several phone calls I need a proper investigation with account amounts and dates from a higher source. 

XXXX XXXX XXXX XXXX XXXX has also been improperly reporting dates and amounts after disputing 2 or 3 times also reporting all student loans as 1 big loan which is incorrect and some or all due to abuse of laws should result in deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: NJ

Complaint narrative:
My past credit disputes and results have been reported with error after error with XXXX, US DEPT OF EDUCATION,  and XXXX XXXX XXXX. This ranging from XX/XX/2004 to current. 

XXXX and US Department of EDUCATION have each loan account on my credit report 2 to 3 times each. Due to some " old '' and incorrect reporting of accounts and not properly reporting and or removing these accounts off my credit report. After disputing 3 times and making several phone calls I need a proper investigation with account amounts and dates from a higher source. 

XXXX XXXX XXXX XXXX XXXX has also been improperly reporting dates and amounts after disputing 2 or 3 times also reporting all student loans as 1 big loan which is incorrect and some or all due to abuse of laws should result in deletion.

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 2018-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am unable to contact the credit reporting agency Transunion, it seems they are the only one reporting negative information. The last time I tried to process a dispute I ended up mailing them the information, which they did update but the complaint is access to them is delayed and they should not have reported the information in the first place. They were the only credit bureau reporting the information which prevented me from received a loan at a better rate. My score recently dropped and I discovered that they are reporting incorrect information but I am unable to access their website again. This is disturbing that a major credit bureau can not only report incorrect information but they can make it difficult to contact them to complete a dispute. Something needs to happen to correct this situation, I'm sure that I am not the only one this has experienced this problem.

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 2018-05-13 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Dear Officer, I'm writing to report problems experienced with XXXX XXXX. I found that they are giving inadequate notice for balance due, which led to unnecessary late payments ; also their rewards program is unfair to the consumers. 

In XX/XX/2017, I tried to pay off my entire balance using reward points. However it appears that some pending charges were not showing at the moment, therefore {$65.00} was left unnoticed. 

There were no alerts sent to me regarding the charges. When I found out two months later myself online, I immediately called and paid off the balance. The late fees were removed immediately, however the incident led to an impact on my credit score by 50 points.I found it appalling, because they have my cell phone number and email on file, yet they failed to send me any notice before treating it as late payment. 

Another thing that bothers me is that Barclays keep renaming and changing its program ( from XXXX XXXX to XXXX, and to XXXX XXXX ), and the reward terms are getting worse. It appears that they have increased the redemption threshold to XXXX points, which forces the customers to keep using their card, even though the card features were no longer competitive. 

Please advise, really appreciate your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: FL

Complaint narrative:
I had a notification from my credit reporting agencies indication a major action. So I looked into it. Come to find out I have a collection on me for a " medical '' bill. Problem is, I haven't been to any medical professional, hospital, emergency room or anything relating to that in over 15 years! I am in an active dispute with the 3 credit reporting agencies. Now over a year ago I did misplace my wallet. And it was found and mailed to me. Money was missing but otherwise seemed untouched. I didn't think anything of it at the time. Maybe this could be a pending result of that? I'm not sure. But I know this debt isn't mine because the services they claim, I haven't used such in over 15 years!

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 2018-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I test drove a vehicle and they asked for my information. I gave them it with the intentions that they promised my credit wouldnt be ran ( only soft hit ) They lied to me and ran my numbers. Then in questioning the company they continued to lie to me saying they didntThis all happened XX/XX/XXXX. I am beyond furious because my credit score was XXXX and now down to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
I received a notice from Specialized Loan Servicing ( SLS ) stating that our payments were going up and we were short in escrow of the amount {$2000.00}. Our loan was transferred from XXXX XXXX XXXX XXXX   to their company in XX/XX/XXXX. Our payments with XXXX XXXX and SLS are current and up to date. So there should not be a shortage with our escrow account. Our bankruptcy was discharged early last year and we received a noticed that there was an escrow overage and we received a escrow refund check for {$2100.00}. We received a refund because XXXX XXXX was supposed to apply the pre-petition payment of {$2600.00} to the escrow account. I called XXXX XXXX on XX/XX/XXXX regarding the matter and the escrow representatives and customer service understood and verified that the pre-petition was not applied to the escrow account as stated. Please review all verified bankruptcy documents from my attorney. If the escrow was short as XXXX XXXX as stated they would not have discharged the bankruptcy as stated in the documents.

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 2018-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
I went XXXX XXXX and finished with an XXXX and XXXX. I became severely I'll with a XXXX XXXX causing XXXX  XXXX. I took a private loan from XXXX as a last resort to pay for my final semester as the Federal loans were denied. XXXX XXXX XXXX XXXX ended up closing my bank account with my social security and SSI / XXXX payments and my bank account is shut down I have no access to my bank account and am occuring {$34.00} overdraft fees everyday and don't have money to pay it off. I have been paying student loans and made a large payment of {$1000.00} two-three months before account was shut down and {$150.00} a month on Federal loans since then. I wasn't served properly and never knew there was a lawsuit against me. XXXX XXXX XXXX the attorney filed suit in southern California when I live in northern California. I've lost XXXX XXXX from stress grinding them at night as I cracked the roots. I have had to secure counsel to help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX - CALLS REPEATEDLY ALL THROUGH THE DAY ( ROBO CALLER ) RECORDED MESSAGES AT TIMES OTHER TIMES NO MESSAGES IS LEFTS ON MY PHONE JUST A PHONE CALL. 

XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX   XXXX XXXX ( ROBO CALLER ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/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 non-monetary relief