vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX  was reported since XX/XX/XXXX after sold XXXX XXXX XXXX ( Original Creditor ) XXXX account shows twist and should be scheduled for depiction after 7 years which is XX/XX/XXXX. They still didnt schedule it

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 2018-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
On XX/XX/2018, I ordered two items from  XXXX. I used my XXXX Visa card. Imagine my surprise when I received an unrequested XXXX Visa card in the mail today, issued through Chase Bank, in a name I haven't used for over 15 years, with a {$9500.00} credit limit. It is terrifying to think someone could have taken it out of my mailbox without my knowing it. I did not request a credit card, I did not fill out any forms or give any personal information to get a credit card, and I have no idea why they decided to issue me a card or how they got sufficient information to even determine I was eligible. I checked my credit reports and see a hard inquiry dated XX/XX/2018 on my XXXX report, which I also do not appreciate. I called and cancelled the card but I am very concerned about this practice and think XXXX should be taken to task for issuing me an unrequested credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16 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: GA

Complaint narrative:
An address appeared on all 3 of my credit reports ( Experian, XXXX, XXXX ), but I have never lived at that address.

Then, all 3 reports show that there is a collection on me from XXXX XXXX XXXX XXXX. This collection company was sent by XXXX XXXX for an account opened in XX/XX/2018. I never opened a XXXX account. Also, the address I never lived at is connected to the XXXX account. 

This is damaging to my credit score. I believe this is fraud, and I have attempted to follow each credit report company 's dispute process, however, I am unable to confirm that the dispute went through.

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 2018-12-16 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX, I wrote a letter to Equifax in relation information I received from Foremost my Auto Insurance Company.

Equifax reported to the insurance company an address that was commercial, never residential. Once in XXXX, I had an office there. I don't, nor have I ever lived at the XXXX XXXX XXXX XXXX XXXX address. 
When I try to log onto the Equifax site I am provided information for accounts I have never had in my life. 
On XX/XX/XXXX, I emailed my driver 's license and my Electricity Bill in an attempt to have them remove the inaccuracies from my account. 
On XX/XX/XXXX, I faxed my Driver 's License, My Electricity Bill, my Voter ID, My XXXX XXXX XXXX Card to Equifax. 
Someone should be able to talk to me when I am able to talk with them. No one responds to voicemails. No one responds to US Mail and you have to already not have a problem too log on to Webmail. On XX/XX/XXXX, I also used the webmail form to make my complaint. Now, it is XX/XX/XXXX and my insurance is still higher than it should be because this consumer company is not responsive to consumer complaints. Please help me. I simply want the correct information on my consumer credit report. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: AP

Complaint narrative:
XXXX Hospital - Date of Service : XX/XX/XXXX Account Status : [ PAID IN FULL ] FRAUD COLLECTION PRACTICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of services of " Observation '' for services rendered on XX/XX/XXXX XXXX {$730.00} ) and XX/XX/XXXX ( {$910.00} ) Reporting : XXXX  and XXXX   ACTION TAKEN : Cease & Desist and Dispute with credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 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: GA

Complaint narrative:
An address appeared on all 3 of my credit reports ( XXXX, XXXX, Transunion ), but I have never lived at that address.

Then, all 3 reports show that there is a collection on me from XXXX XXXX XXXX XXXX. This collection company was sent by XXXX XXXX for an account opened in XX/XX/2018. I never opened a XXXX account. Also, the address I never lived at is connected to the XXXX account. 

This is damaging to my credit score. I believe this is fraud, and I have attempted to follow each credit report company 's dispute process, however, I am unable to confirm that the dispute went through.

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 2018-12-16 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: GA

Complaint narrative:
An address appeared on all 3 of my credit reports ( XXXX, Equifax, XXXX ), but I have never lived at that address.

Then, all 3 reports show that there is a collection on me from XXXX XXXX XXXX XXXX. This collection company was sent by XXXX XXXX for an account opened in XX/XX/2018. I never opened a XXXX account. Also, the address I never lived at is connected to the XXXX account. 

This is damaging to my credit score. I believe this is fraud, and I have attempted to follow each credit report company 's dispute process, however, I am unable to confirm that the dispute went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint narrative:
The following attached information is in relation to my complaint # XXXX regarding negligent handling of my attempt to payoff a personal loan. I just received the attached information today in the mail. The letter from the USAA Federal Savings Bank claims that " Your payment was incomplete due to invalid or missing account number. '' As you can clearly see from the check that they returned to me, the loan number is clearly written underneath my signature. I have also enclosed the " Consumer Loan Statement '' I received from them five days before it was due. The loan numbers on my personal check and their loan statement are a perfect match. There is no basis whatsoever for rejecting my payment. This is willful and deliberate negligence which resulted in inexcusable extra expenses on my part to correct the problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TCF NATIONAL BANK
State: AK

Complaint narrative:
This company abandonment of interest in the car. The lending company still didn't provided no statements since XX/XX/2018 to present. The company lock me out of the account, they stated do to status of account. I mailed a check and they return my check ( XXXX, XXXX and XX/XX/2018 ). I sent the money order XX/XX/2018 and they return it. They never accept money orders or checks as stated in there XXXX   report. I ( VOLUNTARY SURRENDER ) the car. They still report it as open. They never updated. The balance never was reduce for being surrender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I ALREADY PAID WHAT I OWE BANK OF AMERICA BUT THEY STILL HAVEN'T TOOK ME OFF XXXX  AND WHEN I ASK THEM WHY I AM STILL ON IT THEY TELL JUST TRANSFER ME TO ANOTHER DEPARTMENT AND ITS NEVER ENDING.

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 2018-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I have been making payments to XXXX XXXX XXXX. I am qualified for loan forgiveness through the public service program. However, my sevicer continues to charge me over {$600.00} per month in payments. They are telling me this is the only payment I can make to qualify for the forgiveness. At this rate U wont receive any forgiveness I will pay double what my original value was. Furthermore, I have used any extra money I can to pay towards my principal balance.! i have repeatedly asked that they apply all my extra payments that way. Despite this I have discovered they are still applying it as paid ahead and taking interest payments out! After more than a year. I have been paying this amount for 3 years and have paid extra. Thats over {$21000.00}. Yet my balance has Gone down less than {$13000.00}. This is really unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
i noticed that XXXX XXXX  is claiming that i owe {$360.00} on my credit report. There is no way my account could have been negative because i did not have overdraft. Also i was never contacted about this with the chance to 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 2018-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC
State: SC

Complaint narrative:
This company added a collection to my account for a debt which I dont owe. I tried to contact multiple times but I only receive a busy signal. I never received a bill or statement, just a collection added all 3 bureaus with no explanation of where the debt originated. All it states is " Medical '' on the collection however I have medical insurance coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gregg & Gregg, P.C.
State: TX

Complaint narrative:
My landlord forced my family to move out in under 30 days. My family and I secured a new location to live. Once we moved out of the formerly leased property, our former landlord claimed we destroyed her property and owe {$4200.00}. My family and I have yet to see any documentation that validates the claims of destruction of property. The former landlord hired an attorney who is now attempting to collect the debt. We still have no proof of this claim that we owe the amount the former landlord has submitted. The attorney has now sent a settlement request to remedy the alleged debt, but still has not provided proof that we in fact owe. We have requested this information from them twice. We are not sending any money since they have yet to prove this claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 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: SC

Complaint narrative:
On XX/XX/XXXX I applied to refinance my car, immediately after a collection account was placed on my credit report by XXXX XXXX XXXX XXXX for a debt I have no knowledge of as if the company has something which alerts them to when someone applies for new credit. I tried to dispute with all 3 credit bureaus, and I received notification that the investigation has been completed and found to be valid as of XX/XX/XXXX. I tried to follow up with the dispute as I do not owe any collections or have any past due debts. I have 100 % on time payments reporting for all of my credit history. When trying to follow up I was requested to send a copy of my social security card and drivers license to add a fraud alert, however this is not fixing the issue of the invalid collection which has been added to my credit report without being verified or researched. This collection needs to be deleted as it has not been verified.

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 2018-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
This Midwest Recovery Systems has sent me letters and even mentioned to me that they did not have an active record on me, but yet they keep reporting to the credit buearus that I owe a debt to them. 

I have never done business with these people and dont know where they even got my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I applied to refinance my car, immediately after a collection account was placed on my credit report by XXXX XXXX XXXX XXXX for a debt I have no knowledge of as if the company has something which alerts them to when someone applies for new credit. I tried to dispute with all 3 credit bureaus, and I received notification that the investigation has been completed and found to be valid as of XX/XX/XXXX. I tried to follow up with the dispute as I do not owe any collections or have any past due debts. I have 100 % on time payments reporting for all of my credit history. When trying to follow up I was requested to send a copy of my social security card and drivers license to add a fraud alert, however this is not fixing the issue of the invalid collection which has been added to my credit report without being verified or researched. This collection needs to be deleted as it has not been verified.

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 2018-12-16 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: SC

Complaint narrative:
On XX/XX/XXXX I applied to refinance my car, immediately after a collection account was placed on my credit report by XXXX XXXX XXXX XXXX for a debt I have no knowledge of as if the company has something which alerts them to when someone applies for new credit. I tried to dispute with all 3 credit bureaus, and I received notification that the investigation has been completed and found to be valid as of XX/XX/XXXX. I tried to follow up with the dispute as I do not owe any collections or have any past due debts. I have 100 % on time payments reporting for all of my credit history. When trying to follow up I was requested to send a copy of my social security card and drivers license to add a fraud alert, however this is not fixing the issue of the invalid collection which has been added to my credit report without being verified or researched. This collection needs to be deleted as it has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
It started months ago but these are the most recent dates it was on XX/XX/XXXX and now XX/XX/XXXX. I use PayPal to send money to friends overseas. I normally use my bank account information because its a cheaper fee ( 1st fee on XX/XX/XXXX {$0.00} & XX/XX/XXXX fee {$2.00} ) to send using the Friends & Family feature that PayPal has but a few months ago and now on these two most recent dates I can not! With each transaction I get an error message " We are sorry, but we could not complete this payment, because it has been denied by the card issuer. Please retry with a different card or funding option to continue with the payment ''. The first issue with this is that I am not using a card ; I am using a routing number and bank account number. I have three accounts with PayPal and each one get 's this same error message even when using a different bank account information. I have called my banks to make sure the issue is not with them and they assured me it is not and that it's a PayPal issue. When I go back and use a debit card from the same accounts or a credit card with a higher fee ( XX/XX/XXXX {$4.00} & XX/XX/XXXX {$6.00} ) the transaction goes through with no problem, but I'm paying more money!! I have reached out to PayPal twice with no resolution and during one phone call I spoke to three different people they're phone reps have no idea what the problem is because they all have told me different things and its never the same story. I have not received an emails or letters from PayPal saying there is an issue with any of my accounts and restrictions has been placed!! I finally get a call from XX/XX/XXXX ( PayPal customer Solutions Support Specialist ) and she states that it is a PayPal issue and there are others having the same issue. She supposedly sent some type of request to their security department. It hasn't been resolved. She is supposed to contact me again on Monday XX/XX/XXXX. I feel like this is way for PayPal to get higher fees from consumers sending money overseas to friends and family. PayPal refuses to refund me any money due to this being their issue not mines. I feel like I'm forced to pay the higher fees using a debit card from the same bank. As I stated this problem started over the summer this year. Before then I had no problems using my bank account to send money via friends and family with PayPal. I do not have this issue with my bank account sending money here in the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
On XX/XX/2018, my wifes Capital One Mastercard credit card was stolen in XXXX, XXXX. We called Capital One immediately and cancelled the stolen card. Starting in XX/XX/2018, small charges ( {$0.00}, {$1.00}, {$1.00}, {$2.00}, etc. ) starting showing up repeatedly from three merchants : XXXX, XXXX XXXX ; XXXX ; XXXX. These entities are all associated with bridge/road tolls in XXXX, XXXX. My guess is that someone has setup toll accounts using my wifes stolen credit card.

As of XX/XX/2018, new fraudulent charges are being posted every few days despite my repeated efforts to get Capital One to stop these unauthorized transactions. All Capital One seems to do is post adjustments to my account after I call and dispute specific charges. Capital One claims that there is an ongoing investigation, but I have not received any mail, email or phone calls from any investigator ( as they claimed would occur ) concerning this investigation. How is it possible that Capital One can continue to process transactions against my account with a credit card that is acknowledged to be stolen?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Services Association
State: OK

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against CBSA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation