vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
There is an unknown medical charge on my credit report. It does not state the original creditor only that it is medical. I am a veteran. I have always had medical insurance. I'm not sure why this is on my credit. It is affecting my credit negatively. I do not owe this. I'm not sure what it even is. It could be from improper billing. It is the only medical collection on my report. It is very odd. For it to be sold to a credit bureau is also confusing. The date stated on my credit report is XX/XX/2016. The amount is for {$200.00}. I've never received any notice of owing this debt or being able to dispute it in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Contacted Experian on XX/XX/2018 about the dispute I submitted today regarding an alert I recieved today. XXXX XXXX XXXX showed a collection item with XXXX XXXX XXXX XXXX, but was unable to validate it with me. 

Experian fraud resolution stated that they don't have to get documents, they verity only the name, address, creditor, and balance. I said even if the account is NOT my debt. I requested that they verify the debt by getting contracts, payment history, or something to validate that debt is legitimately mine, or if they can't validate it to remove it immediately. 

They said they are in the process of investigating it. 

Sent XXXX  a dispute requesting the same account validation stating that it was not mine.

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 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I filed a Chapter XXXX Bankruptcy in Federal Court in XX/XX/2016 and Caliber Home Loans is claiming to be the servicer of my note but I have yet to receive an updated statement. I still do not have documentation proving that my note was sold, nor do I have a receipt of all the pre and post petition payments made to them. I attach a copy of the evidence of payment during last year to the Trustee. I demand a correct statement and all information regarding my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: OH

Complaint narrative:
I checked my credit report XX/XX/2018 and saw CCI was on my credit report for {$550.00} for a XXXX XXXX bill. I still have XXXX XXXX so i immesiately called them and I was told it must be some mistake because my services from my old address were transfered to my new address so There should be no past bill of XXXX. The XXXX XXXX  employee told me that my fonal bill from the old address was XXXX and was paid. I called CCI and explained they must have me mixed with with someone else and that I never recieved any notice of a debt from them and was not told in writing of any XXXX, I simply found it on my credit years later and It cant be true. I was met with hostility and I was told It was mine. I explained why did I never receive anything from Cci at all and she didnt answer me. I called XXXX XXXX again and they emailed me a final bill and said it must be a mistake but she apologized for XXXX XXXX having the old address and she said i dont think we sent the old bill to the new house even though we had that info because we switched services over. She said I must have paid the XXXX during the " transer over '' process because It was sent to the old address. i called CCI again and they refused to explain why I was never told of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Freedom Mortgage, In review documents related to this loan it has been found that Freedom Mortgage has failed to properly credit payments to the account in a timely manner and have a history of this, paired with the fact they failed to send out statements for the better part of XX/XX/XXXX ( >6months ) leaves to believe that as a company they are failing to properly record payments in a timely manner or provide the service you are required to. Freedom Mortgage has failed to properly credit payments in XX/XX/XXXX and now in XX/XX/XXXX where the check for payment has cleared my bank and they have received payment and failed credit the payment to the mortgage this is not acceptable.

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 2018-08-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Trying to buy a house and get a mortgage. There is a negative thing on my credit report that says I owe over 27,000 . The company that is listed on my credit report is Transworld sys inc/ XXXX XXXX XXXX . I called them to ask them about the debt. The date listed on my credit report was XX/XX/XXXX. I never took a loan from them, never got a letter from them. My last loan I took was in XXXX. The only loan to my knowledge that I owed money on was from key bank. I havent made a payment to them since XXXX. And that loan was for XXXX $ I told them in XXXX when I was having financial trouble that I cant afford the payments. They started to call my XXXX year old daughter cell phone asking for money. Im an emergency room nurse, and was calling my work everyday. I told them to stop and they kept calling and harassing me. So, I stopped paying them. I have paid off, or charged off XXXX $ in school loans since XXXX. And worked hard to get out of debt and own a house again. 
When I called this XXXX XXXX XXXX, they found me in the file but would tell me the loan I apparently took out. I asked for proof of debt, promissory note, etc. they said they didnt see any in my file, and told me they never sent me a letter of debt or settlement. My mortgage loan broker tried calling them, they said they will fax proof of debt, but never faxed them anything. Now they are refusing to talk to me or him. This might cost me this house, stress, is hurting my credit and costing me a higher interest rate. The underwriter wont go threw with the mortgage with this on my credit. Regardless, if this turns out to be from key bank or XXXX, then the last time I made a payment was 5 years ago. What I rdo ad and was told that after 3 years is the statute of limitations. Please help me, rectify this situation, cause I think they have no proof that I even had a loan. Cause if they did, they would send me it, and wont. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have contacted and faxed Experian, XXXX, and XXXX   on several occasions asking them to remove the extended fraud alert from my credit report, but they have not removed it. I never gave them permission to place an extended alert on my credit report. I ask that they have this fraud alert removed immediately.

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 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have contacted and faxed XXXX, TransUnion, and XXXX   on several occasions asking them to remove the extended fraud alert from my credit report, but they have not removed it. I never gave them permission to place an extended alert on my credit report. I ask that they have this fraud alert removed immediately.

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 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have contacted and faxed XXXX, XXXX, and Equifax on several occasions asking them to remove the extended fraud alert from my credit report, but they have not removed it. I never gave them permission to place an extended alert on my credit report. I ask that they have this fraud alert removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed immediately.

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 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp
State: SC

Complaint narrative:
Equitable Acceptance and XXXX XXXXXXXX XXXX scammed my credit line by {$1300.00}. They said they could consolidate my loans for this amount. This happened in XXXX and I found out what they had done three months after. I did tell them to take me off the contract and they agreed but the credit line is still affecting my overall credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed immediately.

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 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX / XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I rented from XXXX apartments in XXXX. I broke my lease, gave more than 60 day notice. The management company was to send me a bill to my home address, because they did not calculate the final move out bill ( {$580.00} ). The company lost my address and never sent me the final bill, did not call. I called management 3 times to ensure my file was satisfied. They changed management companies, lost my file and slapped me with a collections charge of {$690.00} months later. 
1 ) Charge is too high 2 ) management negligence caused this to happen 3 ) I was not allowed to speak to management after it went into collections. 

Here is the latest letter they sent me : XX/XX/XXXX Current Creditor : XXXX at XXXX XXXX XXXX Balance : {$690.00} Enclosed you will find copies requested. 
If a balance is remaining on your account ( see above ), you may send payment in full to National Credit Systems , Inc . 
Otherwise, you may contact our office immediately at ( XXXX ) XXXX. 
It is important to know that National Credit Systems , Inc. is a third party debt collection agency whose efforts are solely on behalf of the current creditor who has previously validated this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2018, I notified USAA via international phone call that my debit card was stolen/lost. I was advised that a new card would be sent to me within 5-7 business days. During this time and up to end of XX/XX/2018, I was traveling frequently and wasn't home all the time. On XX/XX/2018, as I was going through my mail, I realized that my debit card never arrived. I reviewed by checking account statement and noted that there was fraud on the account. I called on XX/XX/18, I again called USAA to report the fraud and order a new debit card. I was advised that a fraud claim was opened and new debit card ordered. I was told it would take 2 business days to have the money placed back into my account. On XX/XX/18, I conducted USAA via chat to inquire about the status of the fraud claim and was advised via chat message that a fraud case was never opened. USAA failed to comply with Regulation E, Section 1005.11 on XX/XX/18 when they were first notified of the fraud issue. USAA also mislead and lied to me regarding how long the process took to refund my money. Additionally, USAA has caused me substantial injury relating to financial harm as a result of failing to honor my fraud claim and continuing to charge me fees for overdrawing my account. Due to USAA unfair practice they have committed a violation of UDAAP pursuit to regulatory guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cadillac Accounts Receivable Management
State: IN

Complaint narrative:
Collection account ( s ) just appeared on my credit report overnight. This bill was part of a Federal Workman 's Compensation claim that was approved, and paid. Company never notified me at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Designed Receivable Solutions, Inc.
State: NV

Complaint narrative:
" CFPB '', You have back complaints from me dated in the months of XXXX, XXXX and now XXXX. Now the refer number to track is:XXXX.Ihave never been given a clear explanation nor have I received a letter explaining why " DRS '', did not notify me of their investigation status or results or their investigation did not fix an error on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: DISCOVER BANK
State: FL

Complaint narrative:
To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.

Company response to consumer: Closed with explanation