vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
i received a threatening letter in the mall from HRRG for a medical bill related to my XXXX  son. I have XXXX and PAY NO MEDICAL BILLS at all. These service dates are associated with the XXXX of my son, which was XX/XX/2019. 

I called the number included in the letter and was rudely handled then hung up on one of the female agents. I called back and requested a supervisor. The young lady who answered claimed she is the supervisor. Her name was XXXX. I recorded the call to send to the news, the FL attorney general, the US attorney general, as well as filed a complaint with the CFPB, FCC and FTC as well as a Florida XXXX Complaint. 

You all are attempting to collect a debt not owed and has been taken care of by state of florida XXXX  program.

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 2020-02-24 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-02-24 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-02-24 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: AR

Complaint narrative:
My sister informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX  XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX  XXXX  XXXX   XXXX {$96.00}

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 2020-02-24 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: AR

Complaint narrative:
My sister informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX  XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX  XXXX  XXXX   XXXX {$96.00}

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 2020-02-24 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted when my social security card getting stolen and I saw a list of derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. I have never given authorization to open any of these unknown suspicious accounts. 

XXXX XXXX {$46000.00} XXXX  XXXX XXXX   XXXX {$58.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$1200.00} DEPTEDXXXX   XXXX XXXX {$1300.00} DEPTEDXXXX   XXXX {$3500.00} XXXX XXXX XXXX XXXX {$2600.00} DEPEDXXXX XXXX {$1000.00} XXXX  XXXX  XXXX {$1100.00} XXXX/XXXX   XXXX {$170.00} DEPTEDXXXX XXXX {$0.00} DPT ED/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I signed up for the {$400.00} bonus for $ XXXX deposit offer that they had on XX/XX/2020. I signed up over the phone, and I told them to withdraw $ XXXX from my account. I gave them all my info. and it was supposed to happen. Then they kept telling me they had problems with me signing up, they wanted another signature card. Long story short, they dragged out the process, it took over a month ( there time window for the offer ) for them to deposit my money into there account and they did it for {$7500.00} not the {$15000.00} that was supposed to be done with. When I called them about the promotion they said it's been over a month and that I didn't qualify anymore! If you're signing up for some kind of promotion that they have beware!

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 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I called Equifax because I could not log into my online account and I just signed up on XX/XX/XXXX. Initially I spoke to a male customer service agent and after a few minutes I requested a supervisor because he suggested that the issue was my browser but I explained that it was the same browser that I used to sign up and had used successfully several times after signing up. My call was transferred to XXXX, Employee ID # XXXX, and he suggested that I clear my cookies or use a different browser than XXXX because Equifax didnt recommend it. He said that he could tell me how if I used one of the browsers that they recommended. He went on to tell me that Equifax suggested that I use any of the following browsers such as XXXX or XXXX and I laughed because I told him that XXXX is XXXX and then he said that he wasnt sure if he could tell me how to clear my cookies after all and that I should contact XXXX directly and once again I laughed. He then said tried to suggest that it was my computer that was the issue and that was why I could not log into Equifax. I asked him if they would cancel my account and issue a full refund and he said that they would not give me a refund but that they would be happy to cancel my account. Once again I laughed and asked him if he was crazy or thought that I was just going to allow them to keep my money. I asked him to transfer me to the next level of management and he said that he was the highest person in management. At that point I explained to him that I planned to file a complaint with the CFPB, XXXX  and the FTC and he simply said ok. He then said please hold for a two question survey and the call concluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
On XX/XX/2020 I called the LoanPal customer service requesting a payoff for XX/XX/XXXX. This would allow 8 business days for LoanPal to generate the payoff amount. I was told on the phone I would likely get the payoff on the XXXX or XXXX. On XX/XX/XXXX, after not receiving anything, I called asking about the payoff and was told generally they just get to them as fast as they can. On XX/XX/XXXX I called again ( now past the payoff date requested ) and they said " corporate '' was running behind on getting payoffs out and said at this point my old payoff would be invalid but said they would submit another one. I didn't care to wait another couple weeks of interest accruing for a payoff that may never come so I planned to just make a sizable principal payment hoping the next generated bill would take care of any interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: FL

Complaint narrative:
XX/XX/XXXX Equifax recieved ( see attatched XXXX shipping tracking label of proof of delivery. see also CRIMINAL INVESTIGATION LETTER of XX/XX/XXXX deliveries not made included in package. see also attatched ID THEFT REPORT case XXXX included in packet XXXX & XXXX. see also included in packet attatched XXXX FRAUD CLAIM LETTER dated XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX Notice of UNAUTHORIZED TRANSACTIONS NEVER RESOLVED. 
Why doesn't Equifax report the ACCURATE INFORMATION ON XXXX OR XXXX? MY CREDIT IS DESTROYED FROM ID THEFT. Also why has Equifax refused to address having no data on me? I filed Equifax Breach Equifax did Not annouce breach for 2 years. Why? I understand BREACH began XX/XX/XXXX Equifax notified XX/XX/XXXX. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
2017 I opened 3 Amex cards that were all paid off on time in full and Amex stopped reporting the trade lines to all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: FL

Complaint narrative:
2017 I opened 3 XXXX cards that were all paid off on time in full and XXXX stopped reporting the trade lines to all credit reporting agencies.

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 2020-02-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
2017 I opened 3 XXXX cards that were all paid off on time in full and XXXX stopped reporting the trade lines to all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
2017 I opened 3 XXXX cards that were all paid off on time in full and XXXX stopped reporting the trade lines to all credit reporting agencies.

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 2020-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: TX

Complaint narrative:
I applied for a discover secured credit card and within few days I was approved and the card was sent out ... they took my XXXX dollars I work hard for and I received the credit card today XX/XX/2020 and I try and use the card and it didnt work and now I was told I need to fill out a form and return the IRS form back ... and in order to use the card and this is wrong I dont have a higher income and Im on XXXX  and I would want my secured deposit back if I dont get my card activated and they wasted my money and time and I dont feel like going anywhere in public and run errands ... this is XXXX and Im tired ... .. Im considering taking legal actions against discover for harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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:
Since XX/XX/2019 I have sent Experian police reports and FTC reports stating that they are currently reporting a fraudulent XXXX  XXXX XXXX account. They refuse to comply with FTC FCRA 605B. And ignore me and my true dispute.

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 2020-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I sent in a payoff amount to capital one /Walmart on XX/XX/XXXX and was told I needed to send a payment of XXXX dollars by XX/XX/XXXX to XXXX  out the balance and they reversed late fees and interest charges on this card on XX/XX/XXXX I had a credit of XXXX dollars on this account. I was told when I paid this account off and they reversed the fees that was all. I then received more interest charges in the same amount that they told me I needed to pay by the XXXX which was XXXX dollars. They claim the interest charges are before XXXX before the account had a XXXX  balance. I spoke with them several times and with different supervisors and they still say that they can charge more interest even after they give you a payoff amount and reverse charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted when my social security card getting stolen and I saw a list of derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. I have never given authorization to open any of these unknown suspicious accounts. 

XXXX XXXX {$46000.00} XXXX  XXXX XXXX  XXXX {$58.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$1200.00} DEPTEDXXXX XXXX XXXX {$1300.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$2600.00} DEPEDXXXX XXXX {$1000.00} XXXX  XXXX  XXXX {$1100.00} XXXX/XXXX  XXXX {$170.00} DEPTEDXXXX   XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

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 2020-02-24 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted when my social security card getting stolen and I saw a list of derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. I have never given authorization to open any of these unknown suspicious accounts. 

XXXX XXXX {$46000.00} XXXX  XXXX XXXX XXXX {$58.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$1200.00} DEPTEDXXXX XXXX XXXX {$1300.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$2600.00} DEPEDXXXX  XXXX {$1000.00} XXXX XXXX XXXX {$1100.00} XXXX/XXXX  XXXX {$170.00} DEPTEDXXXX   XXXX {$0.00} DPT ED/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

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 2020-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: IL

Complaint narrative:
on XX/XX/2019 I redeemed a bond worth {$130.00} from the u.s. treasury dept and hade it direct deposited into my netspend checking acct. till this day they say they didn't get it. but the treasury dept says they have investigated the matter and sent me a e-mail stating that in deed netspend inc. was paid in the direct deposite transfer. till this day I have not been credited to my acct.

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 2020-02-24 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:
Since 2019 I have sent Experian FTC report advising on the fraudulent information reporting XXXX XXXX   and they refuse to BLOCK requesting fraudulent information. FCRA 605 B

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX XXXX  recieved ( see attatched XXXX shipping tracking label of proof of delivery. see also CRIMINAL INVESTIGATION LETTER of XX/XX/XXXX deliveries not made included in package. see also attatched ID THEFT REPORT case XXXX included in packet USAA & XXXX. see also included in packet attatched USAA FRAUD CLAIM LETTER dated XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX Notice of UNAUTHORIZED TRANSACTIONS NEVER RESOLVED. 
Why doesn't XXXX  report the ACCURATE INFORMATION ON USAA OR XXXX? MY CREDIT IS DESTROYED FROM ID THEFT. Also why has XXXX  refused to address having no data on me? I filed XXXX  Breach XXXX  did Not annouce breach for 2 years. Why? I understand BREACH began XXXX XXXX  notified XXXX. Why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are multiple addresses on my credit report which are wrong. I have sent a letter to the Credit bureaus asking them to remove all the wrong addresses and even provided them with my Drivers license and proof of address and my SSN card in order to verify my identity and support my request and still they have failed to remove the wrong addresses. I want to make sure that my actual address as shown on my driver license is the only one that shows on my credit report in order to protect my information from possible fraud. 
please help me in asking the credit bureaus to remove the wrong addresses

Company response to consumer: Closed with explanation