vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
a. Dr, XXXX admitted it is a preventive but coding nurse coded as diagnostics
b. insurance call not tell how to code 
c, coding nurse refuse to change 
I went to the clinic for annual physical only.
Receiving the bill for a diagnostic test, I called my insurance company and they told me the code they entered is not preventative but diagnostics so that is not 100% covered.  And it is against the law for the insurance company to tell them how to code.  And the procedure code and reason code is not matching.
I went back to Doctor's Office,  Dr. XXXX said it should be regular preventive exam items. He called the nurse manager in and The nurse manager took me to her office and called the billing office.  The bill office person said they can not change the code. It is up to the person ( the nurse entered the code)to change.  but, the coding person refuses to change the code.  Also, they refused me to talk neither the coding nurse nor the Doctor.   It leaves me the powerless

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 2019-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On Saturday XX/XX/XXXX I went to Victoria’s Secret and was approach by a sales associate. She informed me of special deals they were having and had asked me if I had an angels credit card with their store. I replied that I did previously have one but was not sure if it was still active. She then asked if I wanted to open a new card, which I replied “no”. She then kept hounding me to open one but I repeatedly told her I did not want to new one, that I preferred to pay cash for my purchases. I did say that I wanted to see if my old card was active, which she then informed me that she could look up my existing card with my name and social as well as my date of birth. At no point did she say that she was opening up a new card. I made it very clear to her that I did not want another credit card and she opened one up under false pretenses and did not inform that she applied for me. She then stated that I had a $XXXX credit limit, she did not say that this was a new limit as she implied that this was my existing credit limit from the card that I had originally opened around XX/XX/XXXX-XX/XX/XXXX. Today, which is XX/XX/XXXX I spoke to the store manager who confirmed that the only people that can check to see if you have an open card are the associates that work behind the cash registers and not those that walk around with their XXXX, which is what the associate who committed the fraudulent account opening was using.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
I received a loan from advanced 24/7 in XX/XX/2017. I am a disabled individual that lives on a fixed income. I did not realize that getting this loan was going to put me into a viscous cycle of having to borrow from this loan to make ends meet because the payment on the loan was extremely high. Especially seeing as I make only a little over $XXXX a month. The percentage rate for the APR on the loan is ridiculous at 279.5%. I am not able to pay the $XXXX that they are asking per month and buy groceries, my medication, toiletries, etc that are needed for me to live my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: FL

Complaint narrative:
My husband and I have AGAIN been denied TEPSLF, despite being guided through the process by FedLoan Servicing case managers. The first time we were denied TEPSLF, we were told in writing to make three (3) more payments, resubmit employment verification and resubmit the request ot the TEPSLF program to have our loan forgiven. We did all of that. Our case has been screwed   up from day one (1) with FedLoan servicing. We have CONTINUALLY been given misinformation regarding our case. No one ever gives the same answer, and the ball has been dropped over and over again. I have document after document, email after email and phone call after phone call, of misrepresentation and guidance by Fed Loan servicing staff and agents. My husband and I are now planning to seek legal advice because of the most recent correspondence denying our request, for not having made 120 qualifying payments under TEPSLF. It is sad, that our case has been so mishandled and drug out by FedLoan Servicing,  we are having to are consinder legal counsel. It appears as though we continue being led in a cirlcle, in an attempt to collect money. We are both public servants who have served well beyond the the required time in service, and made well more than the required payments to qualify. The poor business practices, lack of training, and knowledge of the law by FedLoan Servicing personnel continue to cause our family mental anguish and undue stress. The practices by this company border on criminal. It seems we are nothing more than a revenue stream, whom FedLoan Servicing has no intent of letting go.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX XX/XX/XXXX (now XX/XX/XXXX) did a hard inquiry through Capital One Auto Finance without my permission.On XX/XX/XXXX XXXX XXXX did a hard inquiry through Capital One Auto Finance without my permission.On XX/XX/XXXX XXXX XXXX XXXX  did a hard inquiry through Capital One Auto Finance without my permission.I have documentation from all three dealers to have these inquiries removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The allegation for this complaint is as follow:The issues begin since the beginning of the filing of Bankruptcy Chapter XXXX on XX/XX/XXXX.  There were some payments missed and property tax not paid, so BKXXXX was filed to sustained the arrears escrow and some back payments in the amount of $XXXX. During BKXXXX, every effort was made to meet with the BKXXXX payments regulations and sustaining the regular monthly mortgage payment on the account.  But each month the monthly payment would increase without any explanation.  But we continue to make monthly payment as required.   But we don't believe the amount due was justify.  And the bank keep increasing the monthly due to about $XXXX per month. Fast forward 5 years after BK Chapter XXXX was completed and a discharged was granted XX/XX/XXXX.   Monthly payments continued post BKXXXX, up until XX/XX/XXXX.   As of XX/XX/XXXX, OCWEN said we have not made mortgage payment for the past 46 months. OCWEN did not acquired the loan until XX/XX/XXXX. How can they say we are 46 months behind. Original loan was own by XXXX XXXX, sold to XXXX XXXX in XX/XX/XXXX, then the loan got transferred or sold to XXXX XXXX in XX/XX/XXXX, the loan was transferred to OCWEN on 1XX/XX/XXXX. As of XX/XX/XXXX, PHH Mortgage Services and OCWEN joined forces to established mortgage origination and servicing capabilities.  As a result, PHH is now enforcing a foreclosure on my home.  The date of sales: XX/XX/XXXX at XXXX.  The publishing amount of the Notice of Sales is now $XXXX and PHH is now the current loan Servicing company.Both company are doing shady business.  A dispute was filed on OCWEN on XX/XX/XXXX.  But now since the merger with PHH Mortgage Services in XXXX XXXX XXXX, XXXX XXXX, NJ XXXX.  They are once again pursuing with Foreclosure on my home.  In the disclosure, they indicated an escrow arrears of $XXXX not paid.  Enclosed is all of the supporting documents for this claimant.  Both companies, OCWEN and PHH Mortgage Services should be put of business for robbing innocent people like myself, who have worked hard to upkeep the home.  I am pleading for your help in my case.  Please let my case be heard.Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: EQUIFAX, INC.
State: RI

Complaint narrative:
Company has violated the Fair Debt Collection Practices Act by placing an ambiguous collection amount on my credit report 3 years after the account was closed and paid in full. The XXXX lease was never late, yet now reporting 14 or more 90 day late payments and collection. The lease terminated in XX/XX/XXXX, paid in full, never late. XXXX company has not reached out nor attempted to notify about "debt". Account appeared as charge off on credit report with balance and late payments years after paid in full. Received notice dated JXX/XX/XXXX with "lease termination invoice". Attempts to contact number on notice have all failed. Operators collecting information and then terminating call. XXXX is acting abusively due to not purchasing vehicle at lease-end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: AZ

Complaint narrative:
Transunion, XXXX, and XXXX  are fraudulently reporting inquiries that aren’t mine. I’ve called several times to all 3 bureaus to get these fraudulent inquiries removed to no avail. I’ve reported the fraudulent inquiries to the FTC

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 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am writing to file a complaint against Comenity Bank Avenue. I have tried to dispute this account about 7 times, and it keeps coming back verified which is not true. Enclosed is documentation regarding FTC Report My DL Id and Social Security Card. I want XXXX XXXX XXXX to please provide proof that this my account. It must have my name social and DOB on the verification of proof. I am requesting your assistance to putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed above

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Trying to re-fi a mortgage to XXXX from Mr Cooper. Mortgage was taken over by Mr Cooper from XXXX. XXXX and Mr Cooper are preventing me from changing my mortgage to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: AZ

Complaint narrative:
XXXX, XXXX, and Equifax are fraudulently reporting inquiries that aren’t mine. I’ve called several times to all 3 bureaus to get these fraudulent inquiries removed to no avail. I’ve reported the fraudulent inquiries to the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: AZ

Complaint narrative:
XXXX, Experian, and XXXX are fraudulently reporting inquiries that aren’t mine. I’ve called several times to all 3 bureaus to get these fraudulent inquiries removed to no avail. I’ve reported the fraudulent inquiries to the FTC

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 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: SD

Complaint narrative:
I am having problems with portfolio recovery, they not only posting debt that have been changed off and have been written off, which I do not owe this debt legally. I would like them to remove this debt from my credit report, or I would like them to provide me with a written agreement that I borrowed this debt from them. Or remove this debt from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX  claimed to consolidate my student loan and bring it down to 50% if I continued to be employed for a minimum of 5 years. XXXX would begin the process only after I paid the fee which included 2 installments of $XXXX and they would not accept any other form of payment other than my bank routing and checking numbers. Once they received the payments, they would contact my loan servicer, XXXX Student Loan Agency, and submit my repayment plan/contract. I paid them a total of $XXXX from XX/XX/XXXX to XX/XX/XXXX. After I continued to receive bills from XXXX I decided  to contact them and see why I was still behind on my payments. XXXX assured me that they do not interact with third party companies about student loans and if I needed a forbearance they would help me directly. I told XXXX that I had a contract/plan from XXXX to send them and that this company assured me they would contact XXXX to help with my student loan. XXXX apologized for the inconvenience and told me to contact my financial institution to let them know I had been a victim of fraud. I contacted Bank of America immediately and they returned the $XXXX but only to take it back a month later. I called Bank of America onXX/XX/XXXX and asked why they left my account negative and they said that XXXX forward them the contract where I gave them permission to take this money from my account.

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 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have sent several certified letter to transunion requesting verification of bankruptcy on my credit report I know that there company uses an electronic method to verify public records. Iam aware that my local courthouse does not offer verification this way. So how and why are they reporting unverified bankruptcy on my credit 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 2019-08-20 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: FL

Complaint narrative:
I HAVE SENT DISPUTES TO REMOVE INACCURATE AND UNVERIFIED INFORMATION FROM MY CREDIT REPORT AND THE COMPANY STILL HAS NOT REMOVED IT.

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 2019-08-20 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: LA

Complaint narrative:
The purpose of this complaint is , I request that XXXX XXXX   #XXXX,XXXX #XXXX formally substantiate account dataXXXX XXXX #XXXX,XXXX #XXXX conferred to the major credit bureaus for me, XXXX XXXX, withrespect to the unverified  accounts. Since errors may becontained within in that data, I hereby request that your company collect andforward the formal validation within a month of receipt of this request. In additionplease supplement with materials which verify that the account was not utilized as aprofit-loss tax deduction after my time as a student. I need more than a summaryone-sheet. Instead, I have demanded a substantive validation. Should you be unableto comply with my request during this reasonable period, any data disseminated fromyou to the major consumer reporting agencies must be considered counterfactualand may bespeak XXXX XXXX #XXXX,XXXX #XXXX  desire to ignore consumer protection law. If thisis the circumstance, kindly annul such bureau reports upon your next transmittal.Thanks sincerely for your assisting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: FL

Complaint narrative:
ACCOUNTS ON MY CREDIT REPORT ARE 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 explanation
Consumer complaint received 2019-08-20 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: FL

Complaint narrative:
ACCOUNTS ON MY REPORT ARE NOT MINE, I HAVE NO KNOWLEDGE OF THESE ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: CA

Complaint narrative:
I HAVE INFORMATION ON MY REPORT THAT I HAVE NO KNOWLEDGE OF AND ARE NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: CA

Complaint narrative:
ACCOUNTS ON MY REPORT DO NOT APPEAR TO BE 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 explanation
Consumer complaint received 2019-08-20 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: CA

Complaint narrative:
I BELIEVE I AM A VICTIM OF IDENTITY THEFT AND THERE ARE ACCOUNTS THAT DO NOT BELONG TO 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 non-monetary relief
Consumer complaint received 2019-08-20 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: CA

Complaint narrative:
I sent EXPERIAN LETTERS ON:XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXasking to verify this information that shows on my credit reportAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.  Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.   Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.as well as unknown inquiresnot once have they verified anything even XXXX XXXX SENT ME A LETTER STATING THEY WILL DELETE THE ACCOUNT BECAUSE IT DOES NOT BELONG TO ME, YET EXPERIAN STILL REPORTS AS WELL AS OTHER ACCOUNTS THAT WERE NEVER VERIFIED

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 2019-08-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
I called Conn 's and was redirected to the third party agency that my account had been transferred to. The third party told me that Conn 's had agreed to settle my account and the account would reflect paid as agreed. The third party also told me that the account balance would reflect XXXX. Conn 's is still reporting that I owe XXXX to all 3 credit bureaus. I tried to dispute the amount owed and Conn 's "  verified '' that I owed them money. I contacted Conn 's and sent them the settlement agreement showing that Conn 's agreed to settling the account and after I paid the settlement that account balance would be XXXX. Conn 's ignored the letter that I emailed them back in XXXX. I called and spoke with a representative and and supervisor and they both said that I owe the amount that is due. I told them that I will be submitting a complain because they have blatantly ignored the email that I have sent them and have refused to reduce the balance to XXXX as agreed per the settlement.

Company response to consumer: Closed with explanation