vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX has placed a fraudulent medical collection on my credit report. I have never received any notification for medical bills and I am a XXXX and have a great benefits package.  This is negatively impacting my credit and needs to be 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 2019-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I try everything in my power to result this issue I call I send dispute out to let them know that me personally I have never open this account and for them to come tell me that this account is accurate when I know its fraud at this time Im willing to do what ever and take the extra step to get this account removed of my report because its not accurate and fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
I try everything in my power to result this issue I call I send dispute out to let them know that me personally I have never open this account and for them to come tell me that this account is accurate when I know its fraud at this time Im willing to do what ever and take the extra step to get this account removed of my report because its not accurate and fraudulent

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 2019-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WATERMARK CAPITAL, INC.
State: NV

Complaint narrative:
I have a mortgage through Watermark Capital serviced by XXXX. The first payment was due XX/XX/2019. I make payments through a bill payment service. When I did not see the first payment post at the XXXX website, I made a payment directly through their website to insure I was not late on the first payment. Turns out myloancare was just slow in posting the payment made through the bill payment service, so it ended up that I made the first payment twice. 

In early XXXX, I noticed that rather than applying the second payment to principal, they applied it as if it was early for the next month. They also applied the impounds to the next month, rather than to the principal. 

Since early XXXX, I have spent hours waiting on hold, left messages that were not returned, and have spoken with five agents - XXXX, XXXX, XXXX, XXXX - a manger, and XXXX. Each of the agents said the issue would resolved in some number of days ( varied among agents ) or that I would get call back by a manager. In each case, nothing was done and there was no follow-up. 

I am writing to see if a complaint to CFPB may help me get some action on my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have had the private student loan accounts serviced through Navient for over 10 years. I have been paying on them for a number of years as well. 

I am disabled ( XXXX XXXX survivor ). This last XXXX I was according to them more than 60 days late in paying my accounts. However, I can't figure out how they are applying my payments. I spent 2 hours on the phone with them today and I still am confused. 

They reported this to the credit bureau and my credit score has dropped considerably. 

I have an online account with them and though I receive monthly bills on the account I did not receive any notification online that they were going to report me to the credit bureau. 

Can you help? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
i was garnished starting XXXX XXXX XXXX and i didnt receive notice of this until after i was already being garnished. they have been taking more than the allowable percentage from my pay checks. i went on short term XXXX from XX/XX/XXXX until XX/XX/XXXX and was still being garnished the maximum amount. upon my return to work i was and am currently still being garnished. while i was on short term XXXX i wasnt receiving an income because my illness has not yet been resolved. i was forced to return back to work because i was not getting paid, and still my illness has not yet been resolved

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 2019-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: AZ

Complaint narrative:
I received an unsolicited letter in the mail for a Brinks Money Prepaid MasterCard. It was addressed to me at my new address. I did not sign up for anything with this company, and I did not provide my information to them. Inside the letter were these items : a MasterCard embossed with my name, an account number and routing number for XXXX XXXX, and instructions to call in to verify my identity in order to activate the card. Where did they get my information? Why are they sending me a card that I did not request? I feel like this is fraudulent activity to compromise my identity.

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 2019-07-19 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: HI

Complaint narrative:
First let me say none of the preselected questions quite apply. I am upset that after several years now of rebuilding my credit with NO delinquencies, nothing bad on my report and everything positive except I have used over half my credit amount. I used airline credit cards to buy material for my business then pay them off. Why the XXXX should using a credit card be a reason to lower a persons score? This system can not in any way properly rate a persons credit. I dropped XXXX points just because I used the credit I was approved for. There needs to be a change in this unfair credit score rating and it should be based on real reasons not some fictions creation ( most likely created by banks to raise ones rates )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have attached my id theft report to prove this account is not mine. Fighting this fraudulent account has been very inconvenient for me. Please remove this account as I have attached proof of it not being mine below.

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 2019-07-19 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: TN

Complaint narrative:
Having trouble having items removed or notated correctly on all credit bureaus.

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 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
All collection accounts are more than 7 years. 
They keep revolving and never go away.

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 2019-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NC

Complaint narrative:
I have attached my id theft report to prove this account is not mine. Fighting this fraudulent account has been very inconvenient for me. Please remove this account as I have attached proof of it not being mine below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Contacted Transunion about A Ssn trace they did with out my permission. Transunion also added address Ive never lived. XXXX XXXX XXXX XXXX nc and also XXXX XXXX XXXX XXXX thats my mother in laws house I only have an id there because having a XXXX you have to switch immediately in order to get a job and I didnf have a utility bill yet so my XXXX has that address but Ive never lived there. XXXX the representative told me he couldnt help me or give me the number of the consumer relation group number. Transunion is still reporting information thats been deleted from other credit bureaus due to XXXX verification as stated from representative. 

XXXX XXXX has yet to provide a signature for said account Ive paid on account for my wife but never signed any documentation and they cant provide documentation they told me to go to the dealership. 

XXXX- cant provide documentation and cleary know its fraud but continue to report through XXXX XXXX as verified XXXX XXXX- admitted to account being paid to my seld and ohio attorney general off and fraudulently reporting through XXXX XXXX XXXX- passed state and federal statue of limitations and recalled debt. 

XXXX XXXX Ive never signed an order form with them to make an hard inquiry Please delete all address except XXXX statements and fraud alerts 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 2019-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Conduent Incorporated
State: OR

Complaint narrative:
This is with my California XXXX XXXX  card. I had money deposited XX/XX/XXXX at about XXXX and by XXXX it had been used in rapid succession and emptied. I notified the company at XXXX ( all PST time ). I started a fraud dispute. I received a letter today saying I was in a deal with the merchant and they denied fraud. The card company said there is not one thing I can do case is closed. I asked to speak to someone regarding the investigation because its so obviously fraud and they told me I could not, no one that has a phone number. I was instructed to contact the merchant but there is no contact information for them. Not on the statement and they said they did not have it. But Im guessing they had to contact them to investigate and just wont share it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: TX

Complaint narrative:
On Monday XX/XX/2019 around XXXX my vehicle was broken into and my wallet was stolen. In my wallet was my debit card issued by XXXX bank. Being at it was in the middle of the night, I didnt realize my car had been broken into until I woke up for work that morning. When I woke up, I checked my phone and noticed I had alerts from my bank. There were a total of 6 transactions made with my debit card. 3 atm transactions for XXXX dollars each plus atm fees. The first transactions was at XXXX for XXXX. There was another at XXXX for XXXX and another at XXXX for XXXX. Then around XXXX there was a transaction made at a whataburger for XXXX and finally 2 transactions made at a merchant called XXXX XXXX, each for XXXX. I tried calling my bank but the bank customer service center did not open until XXXX so I had to wait until then. Once XXXX came around I called and got the card cancelled and opened up a dispute claim to get my funds returned to me. I sent them screen shots of the transactions made along with a case number of the police report I filed for identity theft. They said they would do an investigation and then contact me once they were done. I received a email from the disputes department yesterday saying they did not see any suspicious activity done on my account and closed the case saying they will not refund my money. I have gone back and forth with them asking how they could not see anything suspicious. The bank would never allow me to withdrawal more than XXXX in a day from a atm so for someone to be able to withdrawal XXXX within 5 minutes is very suspicious to me. I can provide any kind of other information you think will help me in recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: AES/PHEAA
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting that it is late. Balance is reporting {$920.00} and the balance is currently is {$580.00}. I dispute it multiple time with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've been a victim of identity theft and have been battling the effects of it for several years. I've sent police reports and identity theft affidavits to Equifax directly and through CFPB website to prove this ... I still continue to have problems with illegal/fraudulent inquiries and they refuse to remove them from my credit profile. 

The following inquiries are fraudulent and a result of identity theft : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
To Whom It May Concern : XX/XX/XXXX Reference Account # - XXXX Reference Account # - XXXX I have filed disputes with the three credit reporting bureaus ( XXXX, XXXX and XXXX ) all three disputes were sent by certified mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding two collection accounts being reported by Professional Finance Co. The collection accounts in question are both regarding an original creditor, XXXX XXXX XXXX XXXX. I have requested each of the three credit bureaus as well as Professional Finance Co to validate this debt by providing a contract that bears my signature or any documentation they can provide to prove this was in fact my account. Letters were mailed directly to Professional Finance Co on XX/XX/XXXX also by certified mail. Both XXXX and XXXX have deleted both of these accounts ; however, XXXX is stating that these accounts have been verified by the collection company, Professional Finance Co. I have attached the XXXX and XXXX dispute responses which reflect these accounts have been deleted. 

If Professional Finance Company has an obligation to report accurate information to all three credit bureaus, why is there a discrepancy in their reporting methods? 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/XXXX my checking account with chase was charged check amount of {$500.00} that I did not authorize. I called several times to tell them that I did not authorized payment to the business establishment but they constantly refuse to reimburse. I spoke to account supervisor to explain my account did not even have enough funds to pay for the fraudulent check but they refused to reimburse me the funds. Please help me. My money is being stolen and my bank refuses to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I received a notice of justice court citation. The citation states that I was sued by Calvary SPV l , LLC, ASSIGNEE OF XXXX XXXX on XX/XX/2019. I am being sued for {$2200.00}. There are no actions taken by me at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: PA

Complaint narrative:
XXXX XXXX XXXX is reporting that it is late. Balance is reporting {$920.00} and the balance is currently is {$580.00}. I dispute it multiple time with Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: WI

Complaint narrative:
Under Section 611 ( 5 ) ( A ) of the FCRA the 3 main credit bureau 's Equifax, XXXX, & XXXX are all required to promptly DELETE all information which can not be verified. 

I have done everything humanly possible to rectify this error on my credit file. This is the last straw before a lawsuit. 

Account Name : XXXX XXXX XXXX XXXX is falsely reporting on my credit file and also made a notation to the CFPB on XX/XX/2019 that this complaint does not belong to them. So if this is the case why are you still reporting them on my file? 

Address : XXXX XXXX XXXX  XXXX XXXX, XXXX, WI XXXX or XXXX XXXX XXXX XXXX, XXXX, WI XXXX I want this Unverifiable and erroneous information off of my consumer credit file with in 30 days or I will take Equifax Inc to small claims court and sue for actual damages, including court costs, attorneys fees, lost wages, libel, defamation and intentional infliction of emotional distress. 

Just to be clear your actions are truly outrageous I will seek to also recover punitive damages meant to punish malicious or willful conduct. Under the FCRA, the court decides the amount of the punitive damages. 

I am using this CFPB complain as a portion of my lawsuit as well. 

You can resolve this very easy by deleting this item off my credit file ASAP. 

Please resolve this issue as soon as possible, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
As i check my credit report there is a dept that i have no knowledge of nor did i sign any contract with

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: CA

Complaint narrative:
I am in the process of obtaining a VA Home Loan. 
Loan application pulled credit Reports from XXXX XXXX, Equifax The Equifax report and credit score were blank. No Credit history was displayed. 

I called Equifax on XXXX to find out if there was a credit freeze. Was informed NO, that is not the problem. There is no information on my credit file. Person on the phone said that none of my personal answers matched the information they had on file. 

XXXX ID : XXXX informed me to send photocopies of Driver License and Social Security Card to Fax XXXX Include cover letter with name, address phone # and reason for sending fax. It would take 5-7 days. 
I sent fax on XXXX XXXX XXXX Called on XXXX to inquire if my credit file was fixed. Equifax rep told me yes, we will send you a copy in the mail. I accessed my file on-line and it is still blank. 

Called again on XXXX. Was informed by Equifax representative XXXX ID : XXXX, that there is no record of my faxed information. I should have put Attention Dispute Department on my Cover letter. I should send the fax again. 

I am getting the runaround trying to obtain my credit file from Equifax. This is holding up my VA Home Loan.

Company response to consumer: Closed with explanation