vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 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: GA

Complaint narrative:
XXXX XXXX XXXX is incorrectly reporting to XXXX ; XXXX and Transunion two ( 2 ) collection accounts. The first collection is for {$87.00} partial account number XXXX ; and the second collection is for {$130.00} on partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have insurance, please see copy of attached insurance card, however XXXX XXXX XXXX never billed the insurance company and because of this error on their part, these accounts were never paid and consequently these accounts were sent to collections. I do not owe the {$87.00} collection nor do I owe the {$130.00} collection. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-20 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: GA

Complaint narrative:
XXXX XXXX XXXX is incorrectly reporting to XXXX ; Experian and XXXX two ( 2 ) collection accounts. The first collection is for {$87.00} partial account number XXXX ; and the second collection is for {$130.00} on partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have insurance, please see copy of attached insurance card, however XXXX XXXX XXXX never billed the insurance company and because of this error on their part, these accounts were never paid and consequently these accounts were sent to collections. I do not owe the {$87.00} collection nor do I owe the {$130.00} collection. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus  to fix this, however I have not been successful.

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 2019-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I set up a transfer to pull from by XXXX checking account to my People 's United Bank checking account. This was a hassle in and of itself, however, it worked - the transfer went through. 

A month later, another transaction went through for the same amount. I thought it must be a mistake, I don't recall setting this up to be recurring. So I logged into my online account and checked my " Transfers '' tab. It read " No Transfer Accounts Added. '' I checked my Bill Pay ; no recurring bill pay 's were set up. I checked every possible avenue and no scheduled payments or transfers were shown anywhere on my account. 

Despite this, today another transaction posted as pending on my XXXX account. Since I was not expecting this, it over-drafted my account. My communication with XXXX indicated it was initiated by People 's. So I called People 's and they would not stop the transaction when I requested to do so, even though it was still pending. People 's indicated that this recurring transfer was set up " internally '' and that is why it didn't show up anywhere on my account. What does that even mean? 

Anyways, since I was forced to cancel the transaction through XXXX ( People 's would not oblige ) I was charged a {$36.00} stoppage fee. This was all a nightmare and took more than an hour of my workday to resolve. It does not seem right that a recurring transfer can be ongoing with ZERO indication it exists anywhere in my online account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Grant Mercantile Agency and the credit bureaus are reporting erroneous information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Pendleton Capital Management
State: NV

Complaint narrative:
A man named XXXX has been from a Pendleton Capital collection agency & has been calling my place of employment about an alleged  debt I owe from a pay day loan company. Not only have I asked the man to stop calling my place of employment but I don't owe any money. I told him its not legal or OK to contact me on my work phone number and he said it is and he will continue to do so. I contacted the company he claims I owe money to because I figured if I owe this payday loan company, I can settle the debt with them personally- not with a random stranger who keeps asking for a credit card #. 
I have written confirmation/proof that a ) I don't owe this payday loan company any money and b ) they are not associated with " Pendleton Capital '' as thats not the debt collection company they use when something goes into collection. They provided me with the debt collection company they DO use and its not Pendleton Capital at all. 
I have repeatedly asked the man who calls to stop calling me at work and to take this number off the calling list ( my work line ). I told him if for any reason he insists on calling - to call my cell phone. He says I didn't answer when he called. I explained to him its because I am at work and am not allowed to take personal calls. He said he will continue to call my work to reach me. 

I need this to stop, please! 

The number he keeps calling from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LendingPoint Holdings LLC
State: GA

Complaint narrative:
I am a victim of identity theft and I have been disputing information without knowing my true rights as a consumer. Per the FTC as a victim of identity theft the furnisher must delete and I have supplied the letter Notice to Furnishers.

Per the Notice of Furnishers Information they must comply because of the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am trying to get the Hard Inquires on my credit reports removed as I did not give permission to these companies to check my credit I have talked to XXXX   and XXXX XXXX and both say they can not and will not help fix these I have called the companys where i could get info on them and they dont and wont do anything even though they can not show where I gave them permision to run credit reports on me all this happened on XX/XX/2018 some even did i hard inquiry twice on the same day I have not tried with XXXX becuase when I try to look and see details they want me to pay also with XXXX there is a collection for {$200.00} and again I cant see who but I have proved this was wrong if it is from a dr on both other credit bureaus I am attaching what info I could get from the the credit bureaus on the names and info on the Inquirys they did not really want to give me the info

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: VA

Complaint narrative:
My bank has continued to report payment and balance errors against my mortage account for over a year. They acknowledge their error, correct my report and then report the same error again every two months or so. This has cost me and my husband auto loan interest rates, time and money to continue to pay for credit report copies. Below is a timeline of communications and events between XXXX XXXX XXXX  and me:XX/XX/XXXX - XXXX XXXX XXXX reports delinquency for XX/XX/XXXX in error to credit reporting agenciesXX/XX/XXXX - Emails are exchanged between us, XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX regarding the reporting error. XXXX acknowledges the error and says she will get it corrected.XX/XX/XXXX - We receive notice from TransUnion that the reporting error has been corrected. Our credit reports reflect correctly and show no mortgage delinquency for XX/XX/XXXX.Approx. XX/XX/XXXX - XXXX XXXX XXXX reports delinquency for XX/XX/XXXX in error to credit reporting agencies againXX/XX/XXXX - We speak with XXXX XXXXXXXX  who initiates email conversations to try to resolve the reporting error. XX/XX/XXXX - XXXX XXXX acknowledges the reporting error and says she will correct it. Approx. XX/XX/XXXX - Our credit reports reflect correctly and show no mortgage delinquency for XX/XX/XXXX.XX/XX/XXXX -   XXXX XXXX XXXX reports delinquency for XX/XX/XXXX in error to credit report agencies againXX/XX/XXXX - We email XXXX XXXX XXXX to remove the error from our credit report againXX/XX/XXXX – XXXX XXXX XXXX falsely reports that we owe $XXXX XXXX dollars on our mortgage. XX/XX/XXXX – XXXX XXXX XXXX contacts TranUnion and corrects the $XXXX XXXX  dollar error and the XX/XX/XXXX delinquency error that was incorrectly reported. XX/XX/XXXX – Our credit reports reflect the correct informationXX/XX/XXXX - I spoke to TransUnion and they show a history of disputes and resolutions for the XX/XX/XXXX payment reporting error but confirmed that XXXX XXXX XXXX XXXX reported the same error again for the month of XX/XX/XXXX. XX/XX/XXXX – XXXX XXXX XXXX has reported a 30 payment delinquency again to credit agencies for XX/XX/XXXX in error.

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 2019-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
My wife and me was having medicare service with XXXX XXXX XXXX for the year of 2018. A number of years we have service from XXXX to XXXX of every year because my wife us working at the XXXX XXXX XXXX from XXXX to XXXX/XXXX.Through my wife 's work we are cover by XXXX XXXX . In order to make sure that XXXX XXXX XXXX get the message that we are are going to stop the service in XXXX I called the XXXX in XX/XX/2018. I wrote down that I did talked to XXXX XXXX and others with the reference number XXXX. I did requested to talk to some one higher up on the phone and was told that I do not have to do anything as noted during the conversation that XXXX XXXX will inform XXXX XXXX XXXX. Anyway I gave the reference number a number of times and the problem is not solved.

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 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
by XX/XX/XXXX I request to XXXX XXXX review an inaccuracies in my credit report, I gave 30 days, they answer was need more information my dispute was clear and attach the report multiples inaccuracies, one of them DOLA DIFFERENT BETWEEN THE 3 OF THE BUREAUS.

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 2019-08-20 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: EQUIFAX, INC.
State: MN

Complaint narrative:
by XX/XX/XXXX I request to XXXX XXXX review an inaccuracies in my credit report, I gave 30 days , they answer was need more information my dispute was clear and attach the report multiples inaccuracies, one of them DOLA DIFFERENT BETWEEN THE 3 OF THE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
by XX/XX/XXXX I request to XX/XX/XXXX review an inaccuracies in my credit report, I gave 30 days , they answer was need more information my dispute was clear and attach the report multiples inaccuracies, one of them DOLA DIFFERENT BETWEEN THE 3 OF THE BUREAUS.

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 2019-08-20 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:
The Credit bureaus are reporting erroneous information on my credit reportThis address was linked to my identity theft case and should be removed immediatelyXXXX XXXX XXXX XXXX CA 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 2019-08-20 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I am trying to get the Hard Inquires on my credit reports removed as I did not give permission to these companies to check my credit I have talked to XXXX   and XXXX XXXX and both say they can not and will not help fix these I have called the companys where i could get info on them and they dont and wont do anything even though they can not show where I gave them permision to run credit reports on me all this happened on XX/XX/2018 some even did i hard inquiry twice on the same day I have not tried with XXXX becuase when I try to look and see details they want me to pay also with experian there is a collection for $XXXX and again I cant see who but I have proved this was wrong if it is from a dr on both other credit bureausI am attaching what info I could get from the the credit bureaus on the names and info on the Inquirys they did not really want to give me the info

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
OnXX/XX/2018IhadHardinquiresonmycreditthatIdidnotauthorizeandthecompaniescannotshoworprovewhereIgavethempermissiontorunmycreditIhavetalkedwithallcreditbureausandtheyallsaytheycannotandwillnothelpordoanything
Iamattachingalistofcompanysthathitmycreditsomeevenhittwicein1day
IamlookingfortheprovewhereIgavethempermissiontorunmycreditreport

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 2019-08-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Action Financial Services, LLC
State: MN

Complaint narrative:
First, I received a letter on Saturday XX/XX/2019 from Action Financial Services, LLC. (hereinafter "AFS"), I was then called by AFS on Tuesday, XX/XX/2019 at XXXX XXXX. by XXXX XXXX. First, she explained she was calling about a debt and was immediately asking for personal information i.e. SSN, DOB, and Address. I had to stop her a few times and ask who she was, where she worked and what she was calling about, because she was so pushy about my personal info. After verifying my info, as she spouted it off without asking. She explained that I owed a debt and that they would garnish my wages. I proceeded to verify the debt, in doing so, I explained that I am part of the Department of Education Student Loan Forgiveness payment plan and that these 3 loans should not be sent to collections. She continued to press that regardless, these 3 were being processed or "Serviced" by AFS and did not care to verify that this debt is in the forgiveness program. She then continued to tell me options available to me: Pay it off, Settle and then she hung up on me/phone dropped. I immediately called back from my work phone and cell phone and upon calling the number back, the line does not work, there is no answer.

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 2019-08-20 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:
The Credit bureaus are reporting erroneous information on my credit reportThis address was linked to my identity theft case and should be removed immediatelyXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Our home was listed for short sale in XX/XX/2018, and we had an offer within a week. Since then, we have been trying to get approvals from both the first and second trust,  ur they keep asking for the same documents over and over again. We comply, and then they circle back with the same request. Finally, XXXX (the first trust) approved, but PHH (the second trust) continues to drag.There has been a significant lender delay and they are acting in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I received the first call on XX/XX/XXXX about unpaid amount from an incident on XX/XX/XXXX for a bill that was mailed in XX/XX/XXXX. I was made aware of this mail due to the call and I informed them that I have moved in XX/XX/XXXX to a new address, which I gave to them - I asked them to please mail or email me the information in order to see the fines and services that I am paying for. How am I suppose to know if this is a legit call or not? This is my first time having an incident with any hospital bill.From then I get call after call, but am busy since they call during working hours. I travel for work weekly and had a Go-Live XX/XX/XXXX with issues afterwards.I then get a call today, XX/XX/XXXX where they informed me that if I don't pay now that it will be marked as non-complaint. The supervisor / manager kept on harassing to pay now and that it's overdue even after I tell him what had occurred.  I told him I am at work and can't do this at the moment, which he replied that I said I was going to dinner last time and didn't call back. I told him I didn't receive the XX/XX/XXXX bill, I have paid other bills that I have received and wanted to make sure that this is a legal company along with understanding the payments. It's a scary subject and he didn't understand that this is my first time dealing with this and I don't want to get in trouble or have it affect my credit score but needed all the facts. When reviewing the bill it had no information just that I owe an amount of money from an incident on XX/XX/2018. He kept on saying "You wait for the debt collector to make your payments? This is affecting you and your credit score. What kind of research are you even doing? Why can't you pay now? Give me your credit card information so I can do it for you? How will I know if you don't pay?" and kept on going with the questions / interrogation. I informed him it's hard to do this because of him harassing me. It was intimidating and aggressive form of pressure, I just wanted to understand why I am being informed so late on this issue and what the bill is.

Company response to consumer: Closed with explanation