vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: TX

Complaint narrative:
I have never been treated by XXXX XXXX XXXX. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: Nelnet, Inc.
State: NC

Complaint narrative:
There's some incorrect information being reported to my XXXX XXXX credit report agency I am looking to move forward from this and get this information corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have never done business with XXXX XXXX Hospital. I don't even have a pet. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with this 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 2020-03-16 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: Northstar Location Services, LLC
State: NC

Complaint narrative:
I received a letter from Northstar Location Services LLC on XX/XX/2020 that because of the age of a debt, they wold not sue me for it and XXXX XXXX XXXX or XXXX will not report it to any credit reporting agency, however this account is being reporting from XXXX XXXX XXXX as of XX/XX/2020. The account number referenced is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
The first week of XXXX I was looking on my phone for computer repair help and went through hundreds of different websites. In the process my phone was hacked into and I did not know until after the following had happened. On XX/XX/XXXX I had 3 transactions in the amount of {$100.00}, {$100.00}, and {$300.00} show up on my Regions Bank from XXXX. I contacted the bank when i noticed it because I have never used this app and they closed my debit card down and filed dispute paperwork. Then on XX/XX/XXXX I had two transactions from XXXX in the amount of {$200.00} and {$300.00}, I had no clue what XXXX even was at the time. I contacted the bank and they froze my online banking account.I received texts from someone telling me exactly what website i was currently looking at on my phone and telling me who the last person i had called was, they stated if If I went to police I would go to jail. I called Regions and asked what I needed to do and person I talked to suggested changing phone number and factory reset phone and go to branch to file fraud dispute charges.I got a new number and reset phone and the text stopped and we went into branch and filed dispute on all charges. Branch said it was clearly fraud and not to worry about anything we would get our money back. Claims were denied and they ping ponged me between multiple departments and people. then someone from Regions informed me that if I filed a police report then my claims would be approved. I went to the police station and filed a report and told the officer what had happened. I then carried report to branch and they reopened my claims.I was informed when I checked the status of claims a couple days later that they were once again closed, reasons I have been given have been changed multiple times. I was told I gave someone permission to access my online banking account which is a lie, then I was told I gave someone authorization into my computer which they never made it into but they did hack into my phone not because i gave them permission, then I was told police report was too vague and that having a police report meant nothing. I've went for multiple weeks trying to get my {$1000.00} back and talked to probably 30 different people across 4 departments and they all understand and say they see what happened but the people that review the claims keep denying them.

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 2020-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have never had a lease for an apartment with XXXX XXXX XXXX. I have no knowledge whatsoever of this debt. This is not my debt. I have never lived at these apartments.

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 2020-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I have had an account with XXXX XXXX. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with 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 2020-03-16 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: CA

Complaint narrative:
Equifax refuses to remove a fraudulent account on my credit report despite of proof I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
A fraud alert was added to my report without my knowledge. I would like this removed. Please confirm removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
A fraud alert was added to my report without my knowledge. I would like this removed. Please confirm removal.

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 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
A fraud alert was added on my credit report without my knowledge. Please Remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
A fraud alert was added on my credit report without my knowledge. Please Remove this 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 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
A fraud alert was added on my credit report without my knowledge. Please Remove this 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 2020-03-16 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: NV

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ********* ( copied from the affidavit attached ) *********

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 2020-03-16 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: UT

Complaint narrative:
There is a fraudulent name on my credit reports. My name is not nor has it ever been XXXX XXXX. This may explain high number if credit inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE
State: VA

Complaint narrative:
I'm not familiar with this company and see that there is a balance on my credit report. It states that they are collecting a balance for XXXX XXXX but I have not given this company any medical information about myself and feel as though my HIPPA rights have been violated. I also have not given this company permission to bill me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
There is a fraudulent name on my credit reports. My name is not nor has it ever been XXXX XXXX. This may explain high number if credit inquires

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 2020-03-16 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
There is a fraudulent name on my credit reports. My name is not nor has it ever been XXXX XXXX. This may explain high number if credit inquires

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 2020-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
I reviewed my credit report and located this transaction in the amount of {$45.00}. I have never received a bill from this company and I'm concerned because I feel as though my HIPPA rights have been violated as well. I have never authorized to make payment to this company nor give them the option to bill me for any services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: NV

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ********* ( copied from the affidavit attached ) *********

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: The Law Firm of Krisor & Associates
State: IN

Complaint narrative:
I have debt that is owed but now attorneys are going to seize my bank account for money owed XXXX XXXX. The only funds I have are direct deposits from Social Security Retirement income and Supplemental Security income. These funds are exempt from garnishment. These attorneys are going to freeze my account and remove money from my account. 
The attorney in charge of this case is XXXX XXXX XXXX, XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX IN XXXX Ph ( XXXX ) XXXX Cause No. 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 non-monetary relief
Consumer complaint received 2020-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I did not receive a statement and so Discover is charging me a late fee. Since receiving the statement the coronavirus has taken big hold in our beloved country. The coronavirus has caused me to be unable at the present time to pay the monthly Discover bill and so I asked for forbearance until the coronavirus is under control. I am over 70 years of age and have serious undying medical problems, including XXXX XXXX XXXX and treatment for XXXX XXXX. I am high risk, according to Vice-President Pence and his White House task force. I ask for temporary suspension of billing! It would be cruel indeed for Discover not to agree! Nor may Discover cancel my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$0.00}, {$29.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29.00} -This is not my account.

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 2020-03-16 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: AZ

Complaint narrative:
The account ending in XXXX for XXXX XXXX has been reported as 120 days late incorrectly

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 2020-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AC AutoPay LLC, Denver, CO Branch
State: CO

Complaint narrative:
They lied to me about saying I had no choice but to buy their warranty and gap insurance, they told me they had recorded calls of me and never informed me I was being recoreded, my friend refered me and he said they waived his doc fee because they liked her but when I asked they said no unless I buy their gap and warranty.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-16 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: NY

Complaint narrative:
I am a victim of identity theft, these accounts I had nothing to do with and they are showing incorrectly on 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 2020-03-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have tried to order my credit scores from the three bureaus. I was able to order my XXXX XXXX score only. I know that the other two are violating the fair credit reporting act. I know this is a marketing scheme and a way of them not complying with federal law. There is no explanation for not allowing an American citizen the right to his or her own personal information held by these marketing schemes. When you can't even pay for your information you know you're being discriminated against. I am in need of transacting some important business and I need access to my information in the next 14 days. 
Experian and XXXX  are stalling and I know that they are, happen to frequent.

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 2020-03-16 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: TN

Complaint narrative:
I have tried to order my credit scores from the three bureaus. I was able to order my XXXX XXXX score only. I know that the other two are violating the fair credit reporting act. I know this is a marketing scheme and a way of them not complying with federal law. There is no explanation for not allowing an American citizen the right to his or her own personal information held by these marketing schemes. When you can't even pay for your information you know you're being discriminated against. I am in need of transacting some important business and I need access to my information in the next 14 days. 
XXXX and Equifax are stalling and I know that they are, happen to frequent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: NY

Complaint narrative:
I am a victim of identity theft, these accounts I had nothing to do with that are showing incorrectly on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My son 's student load through Sally Mae now being handled by Navinet has enrolled me in loan deferment/forbearance in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I was not directed to enroll in an income driven repayment plan but to keep applying for loan deferment/ forbearance. I am not sure of the breakdown or even if the amount I owe of {$100000.00} is correct. 

I only signed for one loan in XXXX for a total amount of {$12000.00}. 

I in attempt to repay this loan now am being told I owe {$1100.00} a month due to high interest rate and number of times I was directed to enroll in loan forbearance instead of income driven repayment plans. 

I am XXXX years old and this loan will cause undue hardship on me not to mention the fact I feel it was mishandled. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: NY

Complaint narrative:
I am a victim of identity theft, these accounts I had nothing to do with.

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