vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-09 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: FL

Complaint narrative:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my dispute letter to the CRA dated XX/XX/XXXX. Inaccurate Items disputed XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Basic dispute reason : remove this account because it shows the date of status didn't change/update, this irrefutable proof that no investigation was done ina previous dispute ... delete immediately However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date of status or DOS didn't change/update after the investigation was done, this proves that no investigation was ever done because the date of status or DOS didn't change. DOS didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the DOS didn't change to be a current updated date as per FCRA. 

It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX date of status or DOS was ( XX/XX/XXXX ),  XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX  XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was (XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX date of status or DOS was ( XX/XX/XXXX ) After what is known as an investigation that was conducted and completed by the CRA, my dispute results from that investigation shows the DOS didn't change/update.

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 2019-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Navient will not allow deferment or forbearance on a private loan even though the federal loans are recognizing XXXX XXXX is a fraudulent school and billing has stopped. Im still required to pay on my private loans despite them acknowledging that fact

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: CA

Complaint narrative:
I went to XXXX XXXX  XXXX XXXX  hospital and XXXX California on XX/XX/2019. I have XXXX medical insurance but I still received a bill for {$920.00}. XXXX covers all of my medical expenses and the bill shouldve been applied to my XXXX insurance. Can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A late payment shows on my credit report with XXXX mortgage. The error was XXXX fault and I have a letter from them stating the same. Upon showing this letter to the credit reporting agencies, nothing has been corrected. The correction has held me back from refinancing as well as other damages. 
Another item was also the error of the creditor The statement was mailed to the wrong address. This also caused a late payment which is not accurate.

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 2019-06-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
A late payment shows on my credit report with XXXX XXXX. The error was XXXX   fault and I have a letter from them stating the same. Upon showing this letter to the credit reporting agencies, nothing has been corrected. The correction has held me back from refinancing as well as other damages. 
Another item was also the error of the creditor The statement was mailed to the wrong address. This also caused a late payment which is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: GA

Complaint narrative:
Ive sent multiple dispute letter to the credit bureau stating that the inquires listed on my credit report is not accurate, i received letters stating those account was verified, I sent another dispute letter stating to receive proper documentation bearing my signature for those inquiries, Nothing received in reposnse. Also, Ive made contact with Transunion multiple via phone stating I was a victim of there inquiry issue, again I was routed to send disputes letter in for a reinvestigation. 

This is becoming a very stressful situation to me and my family with inaccurate information being reported on my credit report. I hope this matter can be 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 2019-06-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
MACY'S/DSNB ACCOUNT IS FRAUDULENT AND NOT MINE. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT.

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 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I HAVE CONTACTED MIDLAND CREDIT MANAGEMENT TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF $ XXXXTHIS ACCOUNT ORIGINAL CREDITOR WAS XXXX, XXXXTHE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES. PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE AND REPORTING THE WRONG AMOUNT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION. THEY DID NOT PROVIDE PROOF OF OWNERSHIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: PA

Complaint narrative:
I submitted a court decision document that released me of any debt to a creditor that I closed a account on due to fraudulent activity, and charges ... XXXX, XXXX XXXX XXXX ... they closed it in XXXX, then reported it as a charge off in XXXX, I had it removed off credit bureaus only to see a new amount listed again in XXXX XXXX ... they are engaging in erroneous info and fraud

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 2019-06-10 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: PA

Complaint narrative:
Experian continues to list a debt from XXXX XXXX a company I have never purchased a XXXX thing from, of which they could never verify a signature of purchase for anything, the debt is from a phone order of which I never had as a phone number associated with, they have had this junk on my file for 4 years, I have attempted to get it removed several times, outside of the court system which I contacted attorney generals office over, and they are now investigating, I have had no relief ... my signature was never verified nor proven ... they are liars who made a mistake

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 2019-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have explained to TransUnion over and over that I did not give anyone permission to look at my credit. I attactched a identity theft report and a police to my previous request and they continue to leave fradugelent information on my credit report. This account does not belong to me & I have never opened an account with XXXX XXXX XXXX. The following inquiries should not be on my report because I did not give anyone my permission to look at my credit from these companies XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and there are several from 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 2019-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Auto Finance issued an auto loan to someone using my identity in XX/XX/XXXX. I disputed the debt and received notification that TDAF found I was not responsible for the debt and it would be removed from my credit report on XX/XX/XXXX. 

Over the past two weeks, I have twice had a repossession agency XXXX XXXX stop at my house to look for the vehicle at TDAF 's behest. This constitutes harassment for a debt acknowledged as not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I HAVE CONTACTED XXXX XXXX XXXX TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF $ XXXX.THIS ACCOUNT ORIGINAL CREDITOR WAS CITIBANK, N.A.THE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES.  PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE AND REPORTING THE WRONG AMOUNT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION. THEY DID NOT PROVIDE PROOF OF OWNERSHIP.

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 2019-06-10 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: Colony Brands, Inc.
State: PA

Complaint narrative:
XXXX continues to list a debt from XXXX XXXX a company I have never purchased a XXXX thing from, of which they could never verify a signature of purchase for anything, the debt is from a phone order of which I never had as a phone number associated with, they have had this junk on my file for 4 years, I have attempted to get it removed several times, outside of the court system which I contacted attorney generals office over, and they are now investigating, I have had no relief ... my signature was never verified nor proven ... they are liars who made a mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I HAVE CONTACTED MIDLAND CREDIT MANAGEMENT TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF $ XXXX ACCOUNT ORIGINAL CREDITOR WAS XXXX, XXXXTHE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES. PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE AND REPORTING THE WRONG AMOUNT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION. THEY DID NOT PROVIDE PROOF OF OWNERSHIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE SENT NUMEROUS WRITTEN REQUESTS TO EQUIFAX TO REMOVE FRAUDULENT 2 ACCOUNT FROM MY CREDIT RPORT WHICH SHOWS THAT I AM AN AUTHORIZED USER. I KEEP TELLING THEM I NEVER REQUESTED TO BE AN AUTHORIZED USER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I HAVE CONTACTED XXXX XXXX XXXX TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF XXXX XXXX.THIS ACCOUNT ORIGINAL CREDITOR WAS CITIBANK, N.A.THE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES. PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE AND REPORTING THE WRONG AMOUNT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION. THEY DID NOT PROVIDE PROOF OF OWNERSHIP.

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 2019-06-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive sent multiple dispute letter to the credit bureau stating that the inquires listed on my credit report is not accurate, i received letters stating those account was verified, I sent another dispute letter stating to receive proper documentation bearing my signature for those inquiries, Nothing received in reponse. Also, Ive made contact with Experian multiple via phone stating I was a victim of there inquiry issue, again I was routed to send disputes letter in for a reinvestigation.

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 2019-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On Saturday, XX/XX/XXXX, around XXXX I began a conversation on XXXX with a " XXXX XXXX '' regarding two tickets for an XXXX XXXX concert. He offered the tickets on XXXX by stating he had planned on making it and can no longer. He said he would send me the tickets at soon as I sent him money on Paypal. After asking several questions, I paid {$92.00} to him and {$4.00} at XXXX on XX/XX/XXXX to Paypal to complete the transaction. He asked for a screenshot of the purchase which I sent and told me he will wait until XXXX the next day until he sends me the tickets to make sure the money goes through and at XXXX the next day, he blocked messages from me. I never received any tickets nor messages from him after that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-10 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
PENTAGON-BANKCARD IS OPENED FRAUDULENTLY, IHAVE ASKED XXXX   NUMEROUS TIME TO REMOVE THIS FRAUDULENT ACCOUNT FROM 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 2019-06-10 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: GA

Complaint narrative:
ve sent multiple dispute letter to the credit bureau stating that the inquires listed on my credit report is not accurate, i received letters stating those account was verified, I sent another dispute letter stating to receive proper documentation bearing my signature for those inquiries, Nothing received in reponse. Also, Ive made contact with Equifax multiple via phone stating I was a victim of there inquiry issue, again I was routed to send disputes letter in for a reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Outsource Group, Inc
State: IL

Complaint narrative:
medicredit inc. 
XXXX XXXX XXXX XXXX XX/XX/2018 {$50.00} XX/XX/2018 {$80.00} XX/XX/2018 {$65.00} i have call medicredit inc. to dispute these 3 payment, even thou they say it was 5 bills .Due to the fact that i m and have for the last 8 yr. being used medical which paid full price for my med. need and that i don't know what XXXX  hopital did wrong that they did't get paid. medicredit ask me can i go to XXXX ill to ask the billing dept to pay these old bills. i don't live no place near XXXX ill

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 2019-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have been charged an {$8.00} dollar service fee by Regions Bank since XX/XX/2015 when I opened my account. I have made regular weekly deposits between 500-750 dollars, which should be sufficient enough to avoid a fee.

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 2019-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX, I made my regular payment of XXXX to fortiva credit. On or around XX/XX/XXXX, I called to check my balance. The next payment for XXXX XXXX which included a XXXX late fee. I contacted a fortiva agent who told me the XXXX payment was 20 minutes late but that she would waive the late fee. Approximately one week later I telephoned to check to see if the payment had been decreased and it remained at XXXX. I again contacted a fortiva agent who assured me that even though the late fee is normally deducted from the balance, that because the previous agent had told me the XXXX pymt would be XXXX, not XXXX, that a correction, reducing the monthly payment would be made. He assured me that the matter would be handled but that it would take a out 10 days. After about 14 days, I registered a complaint with fortiva at the address provided on the statement. The response was that my letter had been received. " OUR RECORDS INDICATE THAT A LATE FEE OF XXXX was processed to your account on XX/XX/XXXX. A review indicates that the last payment was posted on XX/XX/XXXX and the current balance as of XX/XX/XXXX is XXXX. '' There is no mention of the XX/XX/XXXX payment. Regarding the XX/XX/XXXX payment, the statement I received for XXXX shows XX/XX/XXXX as posting date and not XX/XX/XXXX which would have the date if payment went to next date. The XX/XX/XXXX was a late fee credit and has nothing to do with info I received regarding the XX/XX/XXXX pymt. Fortiva continues late fees and makes calls to me at least 2 to three times a day regardless of my explanations. I relied on info given me on XX/XX/XXXX. I have continued making payments. Any help will be appreciated. Fortiva credit is XXXX XXXX, MO.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: MRS BPO, LLC
State: MO

Complaint narrative:
Paid off a Delinquent Account a few days ago, I have proof of it also. I contacted them on XX/XX/XXXX and talked to someone and they withdrew the amount from my bank account. They have yet to remove it off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief