vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, Capio Partners , LLC, located at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, telephone number ( XXXX ) XXXX, placed with the credit bureau, XXXX a debt of {$330.00} allegedly owed to XXXX XXXX XXXX XXXX of Texas for XXXX performed on XX/XX/XXXX. I disputed the collection, informing all parties this is an covered procedure paid through worker 's compensation and I am not responsible for any charges. 

This company alleged it was true. They reported the debt, again on XX/XX/XXXX, XX/XX/XXXX and again, XX/XX/XXXX. 

I, continually, disputed these claims, submitting an Explanation of Benefits from XXXX XXXX XXXX XXXX verifying the charges for service and the fact I did not owe the provider. 

I, faxed this information to XXXX and the account was removed from collections on my account. 

In XXXX, XXXX and XX/XX/XXXX, the same company using another name, XXXX XXXX, using the same address with a different XXXX XXXX ( XXXX ) and telephone number ( XXXX ) XXXX submitted the {$330.00} debt, again. I disputed on XX/XX/XXXX and again on XX/XX/XXXX, they claimed the debt is valid. 

I contacted XXXX via telephone, informed them this was the same company that had been deleted, now they are using another name. XXXX was able to find the supporting document I had provided, previously and are opening the case, again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 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: NC

Complaint narrative:
On XX/XX/2019 I paid off a loan from XXXX XXXX XXXX. I paid the loan off completely and in full. They are currently reporting this as a settlement, which is a deliberate and malicious statement. This loan is the result of cross-collateralization, basically strong-arm tactics. I was very vocal about their unethical business practices, and noW that I piad them off, they are deliberately reporting this gross inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have inaccurate information on my credit report regarding a loan from XXXX XXXX XXXX that was paid off in full and no late payments. The loan is reporting inaccurately and causing me great distress.

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 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I used the American Express BlueBird account in a store today to charge about {$230.00} on XX/XX/2019 in XXXX XXXX, NC and was declined. I checked before using the prepaid card and I have about {$400.00}. However, I was able to charge {$4.00} in the food court after that. I called the XXXX number at the back of the card once in my hotel room and was told that my card was compromised with unauthorized transaction. I do not believe this reason because I have been in XXXX XXXX, NC since XX/XX/XXXX and have been using the card for no problem. As a XXXX officer the situation was very embarassing as I was with colleagues. 
I was able to talk to a so called XXXX department supervisor name XXXX with ID XXXX and was told the XXXX that buying an apple is different that buying a banana even if its the same store. The apple will be declined but the banana will be approved since the apple is the one thats fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-10 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: MD

Complaint narrative:
Never received a statement from original creditor and I believe that this is not accurate, I send them different letter and they never reply, it ' s affecting my credit score, I also contacted the XXXX credit bureau, XXXX and XXXX deleted only Experian keep reporting with what kind of proof and the account in good standing ( please see letter from wynfiled attached. ) Experian is not challenging them well.

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 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
We purchased a home in XXXX through ERA. We filed Chapter XXXX bankruptcy not on the home and that was dismissed and paid for in XXXX. We went through a mortgage help company and paid over 800 to get our mortgage through a different company due to the problems we had with ERA. This company then got us a loan modified through PHH and both companies have the same account number, and telephone number to contact them. We have received a letter from PHH last month stating that our direct payments will no longer be pulled since we filed bankruptcy on the loan. We have not filed bankruptcy on the loan and the bankruptcy has already been dismissed so we are not sure why they did this. We have been paying extra every month but now the company says our account number is no longer valid. I am not sure how a mortgage company can hire outside companies and then lie about being the same company. They have the same people working there also. Is there anything we can do about this since this company is lying and we paid extra money to get rid of them. I am attaching all the paperwork that we have received from both companies. any help would be greatly appreciated. Both my husband and I are on Social security and can not afford extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have inaccurate information on my credit report regarding a loan from XXXX XXXX XXXX that was paid off in full and no late payments. The loan is reporting inaccurately and causing me great distress.

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 2019-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: VA

Complaint narrative:
I recently filed a 3 dispute with XXXX XXXX XXXX over false claims that did not belong to me on XX/XX/XXXX. The same false claims are showing up 5 days later on my report once again under a new collection agency known as Capio Partners, the old claims are broken down into 4 different claims now starting from {$100.00}, {$100.00}, {$650.00} and {$180.00}. Capio is attempting to collect fraudulent collection from XXXX as an new collection.False/Negative claims appeared on my credit report between XX/XX/XXXX. Regarding a hospital visit from XXXX that I have never been to. I had no information about the collection agency prior to just appearing on my report. I contacted Capio Partners on XX/XX/XXXX. Reaching REP XXXX who was very unprofessional during the call all because I told XXXX the claims weren't mine he began to interrogate be putting words in my mouth I didn't say as if he was belittling me for trying to straighten false report. I never felt so uncomfortable while speaking with a REP until today. I asked to speak with a supervisor ( XXXX ) located in TX who muted the phone and also insulted me as if I couldn't spell a simple word. Everyone I spoke to was no help which is a headache and so draining when I didn't make the claims and this is the company I have to speak to regarding my negative claims on my report. I shouldn't feel like I'm in an interrogation when speaking with collections agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
bank of america sent a renew credit card to my old address. some one got the credit card and used it to make at {$900.00} purchase at XXXX XXXX XXXX XXXX store at XX/XX/2019. i reported and filed a XXXX   dispute with bank of america right away while the transaction still pending. bank of america denied my dispute for the reason that the card was used for the charge. the card was used because it was stolen. how can bank of america let the card to be used without activation?

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 2019-09-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: BB&T CORPORATION
State: MD

Complaint narrative:
On XX/XX/19 I went to the bank ( BB & T ) to open a CD with {$4500.00}, I counted the amount and left it on the desk for the person to take it up to the teller. He took the money up to have it counted. A few minutes later he came back and told me I was short {$780.00}. I took more money to make up the difference. I was so upset that I left the bank. I called the bank back and ask to she the security video and the manager told me the tape had to be review by the security unit and she would get back to me in about a week. She asked me not put put this on social media. I called her back after a week and she said she had not information for me and it could take weeks or months to it to be resolved. She was more worried about the employee then myself, she said his job would be on the line

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 2019-09-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
On XX/XX/XXXX I met with a sales person who had reached out to me about my lease coming to an end. I told him I was aware of the excessive miles and will be ready to purchase the vehicle unless he can offer me something else. Instead of looking at used vehicles with lesser miles at the same price I would buy my current lease for, I asked to hear about what he can offer me to get into a newer lease. I told him which lease I would be interested if we can work out a deal, he walks off and comes back with an other sales person who offers me a XXXX XXXX at {$570.00} for 39 months and the dealer will cut me a check to pay off the bill XXXX will send me for the remaining of my lease which he said was for {$2700.00}. We agreed on a lower monthly payment. I questioned if the only bill I will receive will be for {$2700.00} and he replied yes never mentioning any other charges or the miles so I agreed to the deal. The bill I received for my previous lease came in for {$10000.00} which included the excessive miles. I contacted the dealer right away to let them know this is not what I spoke about with the original sales person who I made clear what I was looking for. They told me the second person who made me the offer only deals with the car payments. He tells me the other sales man never mentioned anything to him about the miles. I know I was scammed. The first sales person who got the sale did what he had to do to get his sale for the month, I have reached out to him and he wont even reply back to my emails which is very unprofessional if he did nothing wrong. The dealer has done nothing at this point. I called the XXXX and he has not returned my message.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: GA

Complaint narrative:
Transunion is reporting fraudulent information regarding a dismissed chapter XXXX bankruptcy. The information has been disputed multiple times over the course of several years in attempts to have the information removed. Transunion states the information is verified by XXXX but refuses to acknowledge my several documents sent via mail to them showing proof from XXXX they are not reporting a bankruptcy. I've disputed this fraudulent bankruptcy so many times that Transunion has revoked my access to dispute via their online access. Each written submission I've submitted via mail has only received copies of my credit report in return. I sent information to Transunion via mail from the XXXX District Georgia Court that they do not provide access to their records regarding judgments and was ignored once again by Transunion. XXXX states they do not have any information regarding a chapter XXXX bankruptcy being reported by them in the VERIFIED department of their data base. XXXX did state they do have information in their UNVERIFIED department which from their statement, " Under the FCRA, can not be used for credit decisions, personal information, job placements etc. '' I was informed on XXXX behalf to ask how Transunion is obtaining their information? As well as if this information they've received is from their verified or unverified department? If Transunion is using unverified public records from XXXX they are violating this act and my right as a consumer. If they state to use verified then they're no such record of a bankruptcy. Attached is XXXX report stating they do not contain the information Transunion is stating they provided.

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 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Schools First Credit Union has issues with their insurance system. I upgraded my home insurance and their system is having issues recognizing that I submitted proof of insurance several times even though they have even notes in their system showing that I have submitted proof of insurance. They keep generating threatening letters and final warning letters claiming they will start charging me for home insurance services even though I already hold a policy with XXXX and have provided them with copies many times over. There is either a glitch in their system or someone is not marking the correct boxes in their system upon reviewing my documents.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-10 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: NV

Complaint narrative:
I am a fraud-victim of the XXXX and XXXX Data Breach. I have filed a fraud report with my local police dept. the Federal Trade Commission and now the Consumer Finance Protection Bureau. There has been loans, credit cards, medical services and other credit obtained under my name.I never had any use for credit as my late husband took care of all our financial needs and would never allow me to sign any debt-instrument whatsoever. 
1.XXXX XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX   XXXX  5. XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending
State: LA

Complaint narrative:
We receive multiple letters per week advising us that we " have yet to take advantage of programs sponsored by the Department of Veterans Affairs ; you are entitled to a payment and rate reduction through VA eligibility lending programs. '' Usually it's a refund of between $ 1,400-2,500. 

The phone number is usually an ( XXXX ) area code, but the full number typically changes. The most recent one was ( XXXX ) XXXX. There is no listed address.

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 2019-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Revenue Corporation
State: TX

Complaint narrative:
According to section XXXX XXXX XXXX XXXX XXXX in amount of {$710.00} must removed from my credit report from 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 2019-09-10 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:
Date last reported XX/XX/2019 {$3600.00} Faxed, mailed and called about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: PA

Complaint narrative:
On XX/XX/2019 in the morning, Sallie Mae called all my family members about a payment that was due. I did not authorize them to call all my family members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
On XX/XX/XXXX of XXXX there was a credit pull on my account and I did not have an account with them at the time and did not receive or create an account with them on that date. I would like this inquiry removed that is reporting on XXXX. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On XX/XX/2019, I received mail from multiple sources informing me of credit card accounts that had been opened, activated, and used in my name. I had not opened any of these accounts and I realized someone had done this fraudulently. I began contacting the appropriate businesses to notify each of the fraudulent nature of the spending, I froze my SSN with the major credit reporting agencies, and I filed a police report with my local police department providing them with all of my relevant documentation. I have since requested credit reports from each agency and I have updated the police case file with additional evidence that has come my way regarding other fraudulent activity. 

Throughout the fraudulent activity, over {$4500.00} was spent in my name in at least three different accounts that were opened at various large retail outlet stores including XXXX XXXX, XXXX XXXX, and Dick 's Sporting Goods, through store credit cards accounts ( financed through XXXX and Synchrony Bank ). At least one week passed between the first fraudulent activity and the date when I got the first bills in the mail which alerted me to the situation. As for breach of personal information, it is my understanding that my name, address, cell phone number, and social security number were all included in whatever information was taken and used against me in this case of identity theft.

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 2019-09-11 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: TX

Complaint narrative:
last reported XX/XX/2019 Balance {$360.00} Mailed and fax disputing this account.

Called the hospital and also disputing this account to them, no change.

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 2019-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My wife obtained student loans and graduated from XXXX  in XX/XX/XXXX. I obtained student loans and graduated from XXXX XXXX in XX/XX/XXXX. After getting married in XX/XX/XXXX, we consolidated our loans. Since XX/XX/XXXX, we have worked for XXXX XXXX XXXX and XXXX XXXX. We have tried over the last 2 years to obtain the public service loan forgiveness, but have been refused because of our consolidation. Similarly situated persons who did not consolidated have been granted the forgiveness. This discriminatory action is hurting my wife and I, especially since retirement will occur in the next 10 years. Please help us. We thought we did the right thing by consolidating. No one explained this dilemma in consolidation.

Company response to consumer: Closed with explanation