vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-28 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: MN

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-11-28 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: MN

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-11-28 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: MN

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA failed to run payment on 5 separate occasions between XX/XX/XXXX and XX/XX/2018. They were provided with payment information for check by phone four times, from two separate accounts - yet they never ran the payment. One payment was even made from a USAA account to USAA and they still didn't accept the payment. Funds were available and because of an error on their end they would state the account was paid and I called to confirm weeks later and they would confirm payment again despite telling them funds were not withdrawn from my account. Eventually they would state that payment was not made and I would try to make payment again and repeat the same XXXX cycle. I sent them a check for the full balance due via priority mail ( from a different bank for yet a third account ) they received the payment then SHREDDED the check. I have called dozens of times and talked to the same number of people all of whom refuse to assist in resolving this other than to ask for payment information again. I have written to them about this issue 4 times and they have not responded to a single letter. This is absurd, they are wrecking the credit report by reporting the account as late, and now as a charge off. There is no way to actually pay this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: DISCOVER BANK
State: CA

Complaint narrative:
The finished my payments with Discover Student Loans in XX/XX/XXXX. They are FALSELY reporting to all major credit bureaus that I finished my payments with them in XX/XX/XXXX.

I have called and emailed them over 10x and they keep saying " they are working on it ''. first called them in XX/XX/XXXX and it is now XX/XX/XXXX. My credit score and report are negatively effected because of their negligence. They are a hundred million dollar company yet can't figure out to fix an error on a credit report. 

I need them to fix this ASAP and they refuse or act incompetent. 

It does make any sense why they can't simply fix what they are reporting and provide the accurate, correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
NEVER GOT INFORMATION ABOUT THESE SO CALLED ACCOUNTS? FROM THE COMPANYS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I contacted Mariner to confirm that I was paying the balance showing online. When I contacted the company speaking with XXXX, he indicated he would call me back soon as the computer was down. Well, a few hours later, no return call. I called back and though it was working hours, I received a voicemail and left a message and still no call that day or the following day. I got online to go ahead and pay the balance in which I initially saw upon calling was a little over {$2800.00} Well, a few days later, the balanced had increased approximately a {$100.00} dollars and the balance now was {$2900.00}, I did not understand the massive increase and when I called back and spoke to XXXX, he was telling me an amount that was not showing online. I informed him about the increase of the {$100.00} and he could not explain why the balance had increased that much and he claimed he was not seeing the amounts in which I was stating was on the account upon logging on. Well, when I reluctantly paid what was displayed for the balance, {$2900.00}, it then shows me that a remaining balance on the account that was not in the balance showing, it was {$120.00}, which made me pay {$3000.00}. I do not agree with this as the payoff balance as the account should reflect a real time balance and XXXX could not justify why this was not the balance on the account. I requested a manager and XXXX, indicated he was the manager of the store and which he is a poor representation for this organization. I called the corporate number ( XXXX ) XXXX to discuss that the balance that was showing on the account as a payoff, is not the amount that I paid, I paid more. left two messages on their voicemail and no return call. I also wanted to inform them that XXXX did not call me back to discuss the account as he indicated he would which cause me to pay even more than the {$2800.00} hundred that the account was originally reflecting as the balance as per my initial contact. When I called back, he could not tell me why it had increased over a {$100.00} for the balance, then he could not tell me why it was asking for more money when I paid the balance that was then showing of {$2900.00} then still telling me that {$120.00} is due to pay off the account which I paid. XXXX is not knowledgeable and is a poor representation of the company

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 2018-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The finished my payments with XXXX XXXXXXXX XXXX  in XX/XX/2018. They are FALSELY reporting to all major credit bureaus that I finished my payments with them in XX/XX/2018. 

I have called and emailed them over 10x and they keep saying " they are working on it ''. first called them in XX/XX/2018 and it is now XXXX. My credit score and report are negatively effected because of their negligence.  They are a XXXX XXXX dollar company yet can't figure out to fix an error on a credit report. 

I need them to fix this ASAP and they refuse or act incompetent. 

It does make any sense why they can't simply fix what they are reporting and provide the accurate, correct information

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 2018-11-28 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: CA

Complaint narrative:
The finished my payments with XXXX XXXX XXXX  in XX/XX/2018. They are FALSELY reporting to all major credit bureaus that I finished my payments with them in XX/XX/2018. 

I have called and emailed them over 10x and they keep saying " they are working on it ''. first called them in XX/XX/2018 and it is now XXXX. My credit score and report are negatively effected because of their negligence. They are a XXXX XXXX dollar company yet can't figure out to fix an error on a credit report. 

I need them to fix this ASAP and they refuse or act incompetent. 

It does make any sense why they can't simply fix what they are reporting and provide the accurate, correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: CA

Complaint narrative:
The finished my payments with XXXX XXXX XXXX in XX/XX/2018. They are FALSELY reporting to all major credit bureaus that I finished my payments with them in XX/XX/2018. 

I have called and emailed them over 10x and they keep saying " they are working on it ''. first called them in XX/XX/2018 and it is now XXXX. My credit score and report are negatively effected because of their negligence. They are a XXXX XXXX dollar company yet can't figure out to fix an error on a credit report. 

I need them to fix this ASAP and they refuse or act incompetent. 

It does make any sense why they can't simply fix what they are reporting and provide the accurate, correct information

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 2018-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I have paid this debt through a closing attorney and the Credit Management LLC said they would send a letter via email stating the debt was paid in full and they did not send it to me nor XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WY

Complaint narrative:
A mortgage escrow statement dated XX/XX/2018 ( see attached file ) posted to my online mortgage account on that date. The statement indicated a escrow surplus check in the amount of {$600.00} would be mailed to my address. It never arrived. On XX/XX/2018 I phoned Nationstar Mortgage dba Mr Cooper mortgage to inform them that I had not received the check. The representative said a new check would be issued and mailed. That check never arrived either. On XX/XX/2018 I called once again. The representative said the reissued check was mailed on XX/XX/2018, but would reissue another check. Then the representative transferred the call to a supervisor. XXXX the supervisor ( employee number XXXX ) suggested both previous checks may have been sent to the mortgage property address rather than the mailing address the mortgage company has had on file for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: IL

Complaint narrative:
My issue is there's truly no checks and balance. I have been disputing charges on XXXX XXXX for several years Ranging from Auto loans and credit cards. I have disputed directly as well as with every credit bureau. Latest dispute is XX/XX/2018 Experian should have received. 

I called regarding why on a letter I received from their stating my report started on XX/XX/2018. They stated they need time to process either way the agent stated they already received some replies back that these items disputed the lender reported back to them. So i question how is it the lender is saying the item is mine and NOT required to send proof and they all just take the word for it. When consumers are required to show proof of their entire existence. 

Where is the accountability. When contacting the lender directly they won't speak to you because they have already written the loan off. All while reporting negative or charged off on reports. When can consumers have the ability to have lenders show some accountability.

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 2018-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I'm perplexed with my recent credit report to consider that I don't owe this debt - Can you please look into this along with the attachments? Also, I have disputed this item with the credit reporting agency, and the original creditor and coll and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 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: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, FL 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 2018-11-28 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX XXXX, OH XXXX .Please remove delete all others they are not mine. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: PA

Complaint narrative:
I had several XXXX pulled earlier this year by Doctor XXXX XXXX & XXXX/XXXX, PA. My husband help paid this off directly with the XXXX PA Office and ALL IN CASH PERSONALY. The debt collector sated the bill has not been paid on or paid off withing the past 6 to 7 months. The total was paid directly with the XXXX  office and the collector stated they wanted the full amount paid in full. I hung up went they started to get loud and obnoxious. The number that called XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation