vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-29 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:
I was advised to contact this agency about items on my credit that are not mine. XXXX, XXXX AND XXXX. I have contacted the FTC and my local police. There are also inquiries on my report that e.re not mines.XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC
State: OH

Complaint narrative:
I received medical services from XXXX XXXX XXXX on XX/XX/XXXX of XXXX. Claim was submitted to my Insurance Company, XXXX XXXX XXXX. XXXX issued electronic payment on XX/XX/XXXX. Transaction ID : XXXX. 

This bill was paid 7 days after services were rendered. At some point in time last fall, I began receiving phone calls from an 888 number. I never answer the phone from such numbers if I don't recognize them. They have called me nearly every day since last fall. 

Tonight, XX/XX/XXXX, I received a letter from XXXX XXXX, XXXX stating that I had a debt of XXXX. I called their phone # and the representative gave me a " Client Services '' #. I called it and got a voice mail stating that the next available representative would call me. They never called. I called them back and left a second message. No call. 

I have contacted XXXX and they are sending me the EOB statement that verifies this transaction which shows the claim was paid in full.

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 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have reported to all three credit bureaus that there is residence information that does not apply to me, and the information showed back up on my report and has also been included on employment background checks for XXXX XXXX in Pennsylvania. I have advised them that the information belongs to my sibling and not myself, most recently viewed during a potential employer 's background check. I have initiated the correction to be made several years ago and most recently, XXXX, 2019. This erroneous information could be affecting future employment, and I am enlisting the bureau 's aide in finally resolving the issue.

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 2019-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: AL

Complaint narrative:
Ocean Park Funding called and threaten me today. They said we will take legal action against you. And I said I am using a debt settlement company that consolodated all my bills and they would not listen. They also continued to call and threaten me while I was at work. Calling me on the job theating me while my supervisiors are wondering what going on. 

They could cause me to be fired for all there interruptions on the job, please address this matter with them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I had a flood in my basement and recieved a check for the damages, which was also written out to the mortgage company DITECH, I have made several attemts to call them to see what I need to do with the check as they need to sign it as well. I have waited between 15 and 55 minutes on hold with out ever getting through, and it even went so far as when I told this to regular customer service and asked to speak to a supervisor, his rude response was I have other customers and rudely hung up on me I even went on their website and filled out the form to have them contact me but to no avail Please help me All i want and need is a response I already filed a complaint to you they gave a lame excuse and meanwhile they sold the mortgage to XXXX whoo has not recieved the check yet and i waited 4 months and still never recieved a penny

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: CA

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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:
My credit report shows several student loans that do not belong to me. My original student loans have been transferred and paid off. Therefore, there should not be any outstanding student loans still reporting to 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 2019-03-29 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:
My credit report shows several student loans that do not belong to me. My original student loans have been transferred and paid off. Therefore, there should not be any outstanding student loans still reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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:
My credit report shows several student loans that do not belong to me. My original student loans have been transferred and paid off. Therefore, there should not be any outstanding student loans still reporting to 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 non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
In the Fall of XX/XX/2005 I was attending the XXXX XXXX of New York. I became ill shortly after the semester began ( approximately two weeks ) and was taken to a hospital in XXXX. The doctors informed me I must return home and rest for two weeks then I could return to classes. I notified The XXXX XXXX immediately and returned home to XXXX to recuperate. The first week I was home I received a phone call from the school informing me I could not return to classes as I would be missing too much class work. I offered to do my school work at home but was denied this opportunity. I asked for my loan disbursement of {$6000.00} be returned to Navient ( then Sallie Mae ) and I was told to contact Navient which I did. They stated they could not help me and that the school had to return the funds. Neither XXXX XXXX XXXX nor Navient was willing to help me. My official transcript states I withdrew from all my courses but does not state I was forced to withdraw due to illness. 


Over the years I have made calls to Navient to help me with this loan. Also I was never given the opportunity to use this loan for my continuing education back in Massachusetts the following semester. I was told to contact the school but unfortunately the XXXX XXXX is now defunct. I contacted the parent company of XXXX, XXXX XXXX XXXX XXXX, and again I was told the decision was up to Navient. 


My request for Navient is I want this loan discharged as I did not use this money for my education. 

PLEASE DO NOT TELL ME TO CONTACT THE XXXX XXXX AS THEY HAVE TOLD ME TO CONTACT NAVIENT. 

ALL BUT THIS ONE LOAN WITH NAVIENT HAS BEEN PAID OFF BY ME. ALSO, MY PAYMENT HISTORY WITH NAVIENT IS IMPECCABLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: DOLEX DOLLAR EXPRESS, INC.
State: CA

Complaint narrative:
My cousin call that he was in the car accident and he needed {$800.00} to pay the lady because he didn't have insurance on his car and she would be good. That she had her brother that passed away and was going to XXXX so I sent transaction # XXXX. Then he called again and said he need {$500.00} more to fix his car and which I sent on transaction # XXXX. Then, this person called again and wanted more. So, it sounded suspicious and I called his wife and none of this was true. The number that called me was XXXX. So i called to cancel and get a refund at number XXXX ( XXXX ) XXXX. They said there was nothing they could do but block this person on therein because it has it was cashed out. 
My phone number is ( XXXX ) XXXX XXXX or ( XXXX ) XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: LA

Complaint narrative:
My credit report is not reporting correctly. I have made several attempts to remove negative items that I believe occurred due to identity theft. These items has lowered my credit score and has made it difficult for me to get approved for housing. I followed the processes of a trusted advisor to aide in fixing this issue, so far some items have been removed but a few still remain on Equifax. I am hoping that with your assistance, I can finally remove these items to reflect only the items that belong to me on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 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: MI

Complaint narrative:
I recently obtained a copy of my Experian credit report online, for accuracy reasons, to discover that three negative items I had disputed two years ago have not been updated. I inquired on the website about this, and the notation only stated a bunch of par-legal jargon ' can not guarantee accuracy of report information ... ' whatever the heck that means. Upon attempting to re-dispute these 3 negative items, I received a web popup telling me invalid reason or response, please try again later. All 3 of these negative items are accounts that did not belong to me, or stopped billing me 2 or 3 years ago, with no letter or collections communication thereafter. 

I am at wits end on how to proceed further. Legal intervention is requested please.

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 2019-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
We was hit hard by Hurricane Michael and our home got destroyed. We have been working with the insurance, contractor and mortage company. We received a quote from the roofing contractor and it was approved by the insurance company so we contacted the mortage company to receive the deposit. The mortage company informed us we need a completion date. Since there have been millions of houses destroyed the roofers will not even put you on their list until you give them deposit. We informed mortage company of this and they did not care. So no money and no completion date. We had to pay the deposit out of pocket to get on the list for a completion date for mortage company. They finally sent a check. Now 6 months after storm our contractor is ready. We send all info to mortage company all approved by insurance. Contractor need 30 % to start which is {$35000.00}. Mortage will only cut half and says we need a inspection. The roof is all that is done and was inspected by county but that's not good enough. I asked if I could pay for an inspection and was told NO. It has been 7 days and no phone call from inspection company for inspection. I was told on Friday it would be 5-7 days but my wife was told today 8-10 days. So we are paying for a house we cant live in. Paying for a second place to live and we can all live together for the last 6 months. But mortage company get to draw interest off my month while I sit here and wait. How fair is this? If they are worried about fixing house they are more than happy to come to XXXX XXXX and fix it if they dont trust me to do it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has a medical account on my credit report that does not belong to me I have disputed with XXXX and equifax. The debt was from texas when I resided in Florida at the time this bill was allegedly made. XXXX   has deleted the incorrect information however, Equifax insists this is my debt. I have no knowledge of this medical provider and did not reside in Texas at that time. 
There is another bill on my credit report that also does not belong to me. Again I disputed with both XXXX and Equifax as I have no knowledge of the medical provider and did not reside in Texas at that time. XXXX has deleted the incorrect information but yet again Equifax insists this is my debt. The collection agency for the second account is XXXX XXXX also located in Texas. I do not understand how one credit reporting agency determined this is not my debt and deleted and Equifax has not. I do not feel that Equifax is doing their job and the consumer is being punished for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 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: FL

Complaint narrative:
EXPERIAN HAS INQUIRES ON MY CREDIT REPORT THAT ARE NOT MINE. NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.

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 2019-03-29 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: AZ

Complaint narrative:
The following credit inquiry listed on my Experian credit report is fraudulent, unauthorized and not mine : XXXX  XXXX XXXX, XX/XX/2019.

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 2019-03-29 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:
I reached out to you guys on last year regarding some items on my credit that were not mine. There are still a some items that are not mine and needs to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have reached out to the FTC and local police regarding this. I am doing this on my own behalf.

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 2019-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Set up autopay with this vendor- there was a miscommunication as to the start date of automatic payments. Creditor agreed that the fault was mutual, but still reports late payment history to credit bureaus. 
Requested the removal of late payments reported, as they are related to this autopay mixup.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: Optimum Outcomes, Inc.
State: LA

Complaint narrative:
My credit report is not reporting correctly. I have made several attempts to remove negative items that I believe occurred due to identity theft. These items has lowered my credit score and has made it difficult for me to get approved for housing. I followed the processes of a trusted advisor to aide in fixing this issue, so far some items have been removed but a few still remain on XXXX. I am hoping that with your assistance, I can finally remove these items to reflect only the items that belong to me on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: I.Q. DATA INTERNATIONAL, INC.
State: LA

Complaint narrative:
My credit report is not reporting correctly. I have made several attempts to remove negative items that I believe occurred due to identity theft. These items has lowered my credit score and has made it difficult for me to get approved for housing. I followed the processes of a trusted advisor to aide in fixing this issue, so far some items have been removed but a few still remain on XXXX. I am hoping that with your assistance, I can finally remove these items to reflect only the items that belong to me on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 I paid my citibank AAdvantage card {$6000.00}. 
On XX/XX/XXXX I made another payment in the amount of {$6000.00} incorrectly when I meant to pay off the remaining balance resulting in an overpayment. 
On XX/XX/XXXX I overpaid an additional {$9000.00} because I have XXXX citicards linked to XXXX account and made all 3 payments to the same card. 

After I made the first overpayment on XX/XX/XXXX payments I called my bank ( XXXX XXXX ) as soon as their customer service was open to issue a stop payment but it had already been processed. I called citicard right after to ask them to not accept the extra payment and they said that it wouldn't be a problem. 

On XX/XX/XXXX after my second overpayment I called Citibank again and asked for a refund of the overpaid balance to my checking account they said it wouldn't be a problem. 

On XX/XX/XXXX I called again because the refund hadn't been issued and this time they said they needed to check with their hold department to release the funds. 

XX/XX/XXXX, I called again for a followup but they said they needed to contact XXXX XXXX. At the time it was closed so they said they would call at a later time. 

On XX/XX/XXXX I called them and we had a XXXX person conversation that included XXXX XXXX, Citicard, and myself. They worked everything out and said the refund would be on the way. 

On XX/XX/XXXX citicard backtracked and said they needed to contact another department that held the funds to release it. I contacted the other department, they said they would release the funds. I contacted customer support again and they said everything was ok and the refund would be on its way by wire. 

On XX/XX/XXXX the funds had not arrived and I contacted them again. We had another conversation with Citicard, XXXX XXXX, and myself again. Citicard said they had to contact the hold department again. Also this time citicard representative asked personal questions unrelated to the 2 overpayment transactions. 

The credit card company has taken more than 2 weeks and has still not resolved my request for refund for overpayment.

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 2019-03-29 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:
I reached out to you guys on last year regarding some items on my credit that were not mine. There are still a some items that are not mine and needs to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the FTC and local police regarding this. I am doing this on my own behalf.

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