vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-10 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:
After months of back-and-forth with a XXXX XXXX bank and weeks of trying to deal with XXXX XXXX regarding unauthorized charges on my bank account and credit card green dot bank ignored sending me my refund on a secured card in XXXX XXXX simply shut me down with no way to pay off the balance even though there was an authorized charges greatly affecting my credit score and my ability to bank

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 2019-05-10 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: TX

Complaint narrative:
Experian credit bureaus have me marked as deceased!!!!!!!!! 
Ive been working hard on my credit and now they have as deceased, which holding me back on multiple levels of both personal and business ventures. Plus they wont update my credit score! 
Ive tried calling but nothing works. I cant even get to someone live to address the problem. 
This is ridiculous.

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 2019-05-10 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: NC

Complaint narrative:
In XX/XX/XXXX I paid off a derogatory account through XXXX XXXX XXXX XXXX {$140.00} - I received notification from Transunion that my credit score decreased by 103 points - and this particular derogatory account was not even reported to Transunion, on reporting to XXXX and XXXX. Both of these accounts received the same alert and it impacted them in a positive way causing my credit score to increase. 

I called TransUnion and was told it was nothing they can do. 

This really frustrates me as I am trying to pay off derogatory accounts but I dont want to pay if Transunion is going to count this against my credit score. 

Please help me with this matter. 

Thank You

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 2019-05-10 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: NCC Business Services, Inc.
State: GA

Complaint narrative:
This company refuses to remove this account off of my credit report after contacting them and the initial point of contact company XXXX XXXX. I have asked them several times to remove this account from my credit report as one it has a XXXX balance and I have never had any sort of business with them nor signed any contracts with NCC business services and they shouldnt be reporting anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
This is a debt I dont know anything about I have no contract with ad adstra

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax continues to report two aged accounts. They are over 7 years old. The XXXX XXXX XXXX   XXXXand the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Debt is not mine when ask to validate they sent over a bill statement with wrong address and name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: FL

Complaint narrative:
Experian is reporting an account that is past the statue of limitations. The XXXX XXXX XXXX XXXX is old and should not be reporting.

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 2019-05-10 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: MJ Altman Companies, Inc.
State: FL

Complaint narrative:
MJ Altman company in XXXX, is reporting delinquent on an account that I already paid, it was paid through my lawyers submittal of the bill and my insurance company, despite the fact I sent them the bill showing it was paid, they refused to remove it form my credit preventing me from getting my VA loan on my house as I am a XXXX veteran, all my bills are paid through my lawyer who also sent me a snapshot of the bill that was paid through XXXX payment system through XXXX in which I submitted to them and they refused to remove it from my credit. They keep arguing with my lawyer and me and continueously ask for more personal information not needed which makes me worry they want too much information for, I sent the bill to them and the proof of payment and account info and the amount credited shows a XXXX balance as the full amount was credited yet they still refuse to remove it from my credit after much proof. I had three accounts not valid put things on my credit the month I was closing on my house and got denied for the VA loan and not one of them are valid and they refused to remove it from my credit. I have one report filed and have to file another report as well as they both refused to remove what is not mine or not valid from my credit. I totally had my credit destroyed by thieves as I had a XXXX credit score and I have been robbed and even forced into a chapter XXXX and these things or crooks are destroying my credit, I worked really hard and value my credit rating and it got destroyed. by jealous people. I am XXXX from the XXXX and XXXX and earned my benefits that others keep relentless destroying or trying to take from me in one way or another. this is the 2nd complaint and I have one more, all posted in the month of my closing. MJ Altman is a third part to fire and rescue in XXXX XXXX   emergency after I got hit by a car they were supposed to fix the issue but I was told MJ Altman is a third party and they dont deal with them, I must fix the problem and me and my lawyer showed proof and they are still denying it and I have the proof of payment and they keep harassing me saying I owe them when I dont and reporting it on my credit damaging it. MJ ALTMAN ( 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 2019-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal has a partnership with XXXX XXXX to furnish a paypal prepaid debit card. On Paypal.com   you can instantly transfer funds from the paypal balance to the prepaid card. I have used this service several times over the past few years with no issues, However, on XX/XX/2019, I authorized a transfer of {$300.00} ( the maximum amount allowed to be transferred this way ). On paypal.com he transaction shows as completed and the amount was debited from my account however the amount was never deposited into the prepaid account. Paypal.com customer service says that it shows as completed on their end and the issue is with the prepaid card. Paypal prepaid card service says that the transaction show as declined from paypal.com on their end and the issue is with them. After several attempts to resolve the issue with both departments I am still getting spun around and have not gotten my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I have sent certified return receipt mail to this collection company " EOS CCA '' to validate this debt. they have not yet validated the debt in over 6 months a default letter was also sent to the company, and still no response. I have also sent a dispute letter to all credit bureaus regarding this matter. XXXX and XXXX   have removed this from my report. Although, XXXX has not removed it. They have stated that the account was verified. It seems to me this collection company has violated the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: TX

Complaint narrative:
On XX/XX/2019, I went to use my XXXX XXXX card, the merchant refused to take my card stating it has been reported as stolen. I looked at my XXXX   credit report, which has dropped points on my report - and in fact, card shows stolen. I contacted the credit card company. They opened an investigation as it shows I has reported the card stolen. It told them that was not the case. As a result of investigation, they concluded that Equifax has reported the card stolen, put a 90 days hold in my account, and took points off my report. I submitted a dispute with Equifax, but because I did not chose to pay for their services, I am unable to retrieve my report. They keep sending me emails telling me to get my report. To my surprised, the site has been down for three weeks. I attached a copy of this. I called them to no help. They claimed they could not figure out who I was after their questions where not understood. Ex : you have a bank loan? I asked which loan - they said we can't identified you. I have more than one bank loan. 
I emailed them, they asked me to email a bogus email address, who stated they did not handle reports. Everyday, I try to enter the site and I still can't get my report. So this situation has created stress plus I continue to see incorrect information in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: CA

Complaint narrative:
Equifax is reporting two medical accounts on my credit report as being in collections with the debt collector XXXX XXXX XXXX. They are designated as XXXX. 

For two reasons, these two accounts fall under the new rule that went into effect XX/XX/2017 regarding medical accounts. ( 1 ) both accounts were incorrectly billed by the original creditor, and as a result were initially not appropriately covered by my health insurance company. Accordingly, I disputed the accounts. An audit process was initiated by the original creditor ( XXXX XXXX XXXX ), with the result that additional insurance payments were received on the two accounts, and then the remaining balance for both accounts were immediately paid down to zero -- paid directly to the original creditor, not the debt collector. ( 2 ) During the dispute and audit process, the original creditor had assigned the two accounts to debt collector XXXX XXXX XXXX, even though ( a ) six months had not passed, and ( b ) the accounts were in the process of dispute and internal audit by the original creditor. 

Rather than deleting both accounts from my credit report entirely, Equifax simply updated the two accounts to show as " paid '' with a zero balance. Consequently, they unfairly lower my credit score. That is not correct according to the 2017 FCRA rule. Both medical accounts should be deleted, rather than penalizing me for errors made by the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This company suspended my account after I paid the balance in full and reported to the credit bureau that they closed the account but sent me a letter stating that they would reopen it in a few months. This has adversely affect my credit and the company does not wish to negotiate with me to make this right. Once the few months are they will report this as open meanwhile my credit rating will continue to decline! It is unfair practices used to force someone to do what the company wants.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: CA

Complaint narrative:
TransUnion is reporting two medical accounts on my credit report as being in collections with the debt collector XXXX XXXX XXXX. They are designated as XXXX.

For two reasons, these two accounts fall under the new rule that went into effect XX/XX/2017 regarding medical accounts. ( 1 ) both accounts were incorrectly billed by the original creditor, and as a result were initially not appropriately covered by my health insurance company. Accordingly, I disputed the accounts. An audit process was initiated by the original creditor ( XXXX XXXX XXXX ), with the result that additional insurance payments were received on the two accounts, and then the remaining balance for both accounts were immediately paid down to XXXX -- paid directly to the original creditor, not the debt collector. ( 2 ) During the dispute and audit process, the original creditor had assigned the two accounts to debt collector XXXX XXXX XXXX, even though ( a ) six months had not passed, and ( b ) the accounts were in the process of dispute and internal audit by the original creditor.

Rather than deleting both accounts from my credit report entirely, TransUnion simply updated the two collection accounts to show as " paid '' with a XXXX   balance. Consequently, they unfairly lower my credit score. That is not correct according to the 2017 FCRA rule. Both medical accounts should be deleted, rather than penalizing me for errors made by the original creditor.

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 2019-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Designed Receivables Solutions is incorrectly reporting two medical accounts on my credit report as being in collections. They are designated as on my credit reports as XXXX. 

For two reasons, these two accounts fall under the new rule that went into effect XX/XX/2017 regarding medical accounts. ( 1 ) both accounts were incorrectly billed by the original creditor, and as a result were initially not correctly covered by my health insurance company for the correct amounts. Accordingly, I disputed the accounts. An audit process was initiated by the original creditor ( XXXX-XXXX XXXX XXXX ), with the result that additional insurance adjustments were made on the two accounts, and then the remaining balances for both accounts were immediately paid down to XXXX -- ALL PAID DIRECTLY TO THE ORIGINAL CREDITOR XXXX, NOT THE DEBT COLLECTOR DESIGNED RECEIVABLES SOLUTIONS. ( 2 ) During the dispute and audit process, the original creditor had assigned the two accounts to debt collector Designed Receivables Solutions, and Designed Receivables Solutions reported the accounts as unpaid to XXXX, XXXX, and XXXX, even though the accounts were in the process of dispute and internal audit by the original creditor and should not have been reported during that period -- pending correction and resolution. 

Now that the two accounts ' billing details have been corrected by original creditor XXXX-XXXX, and XXXX XXXX has been paid in full, Designed Receivable Solutions still reports the accounts as in collection to the credit reporting agencies, but with updated information regarding the two accounts to show them as " paid '' with a XXXX balance. That is, instead of ensuring that they were deleted from my XXXX, XXXX and XXXX credit reports. That is not correct, according to the 2017 FCRA rule. Both medical accounts should be deleted, rather than penalizing me for errors made by the original creditor that were later corrected and resulted in the accounts being paid to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: MJ Altman Companies, Inc.
State: FL

Complaint narrative:
MJ Altman company in XXXX, is reporting delinquent on an account that I already paid, it was paid through my lawyers submittal of the bill and my insurance company, despite the fact I sent them the bill showing it was paid, they refused to remove it form my credit preventing me from getting my VA loan on my house as I am a XXXX veteran, all my bills are paid through my lawyer who also sent me a snapshot of the bill that was paid through XXXX  payment system through XXXX in which I submitted to them and they refused to remove it from my credit. They keep arguing with my lawyer and me and continueously ask for more personal information not needed which makes me worry they want too much information for, I sent the bill to them and the proof of payment and account info and the amount credited shows a XXXX balance as the full amount was credited yet they still refuse to remove it from my credit after much proof. I had three accounts not valid put things on my credit the month I was closing on my house and got denied for the VA loan and not one of them are valid and they refused to remove it from my credit. I have one report filed and have to file another report as well as they both refused to remove what is not mine or not valid from my credit. I totally had my credit destroyed by thieves as I had a XXXX credit score and I have been robbed and even forced into a chapter XXXX and these things or crooks are destroying my credit, I worked really hard and value my credit rating and it got destroyed. by jealous people. I am XXXX from the XXXX and XXXX  and earned my benefits that others keep relentless destroying or trying to take from me in one way or another. this is the 2nd complaint and I have one more, all posted in the month of my closing. MJ Altman is a third part to fire and rescue in XXXX XXXX   emergency after I got hit by a car they were supposed to fix the issue but I was told MJ Altman is a third party and they dont deal with them, I must fix the problem and me and my lawyer showed proof and they are still denying it and I have the proof of payment and they keep harassing me saying I owe them when I dont and reporting it on my credit damaging it. MJ ALTMAN ( 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 2019-05-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
My loan is services with Ditech. I make my payment every two weeks of {$1500.00} to make extra payments, the company is putting the payments in suspense rather than applying to my mortgage. They are then charging late fees. I just received a notice to foreclosure saying I was 30 days late. I called them and was told to just disregard it. I asked if theyd like to be receiving regular payments and the agent said no. My act of making extra payments vs just paying monthly let to this notice. I dont think that they should be taking my money, holding the payments, charging late fees and sending foreclosure notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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:
I have been filing disputes with Experian for the past three years as they continue to report the wrong items with 2 creditors who were paid off thru other creditors who brought the accounts. As of XX/XX/2019 they decreased my scores by 23 points in the past DAY because of my disputes and complaints as nothing have changed in my payment history of my current creditors.

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 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NY

Complaint narrative:
My XX/XX/2019 statement requested a minimum payment of {$250.00}. Which I paid. Discover then charged me {$260.00} in interest for that month. How can they not apply any part of my payment towards my bill? Is that legal. I have good credit. XXXX according to discover, can they just keep raising my interest fees for no reason. I have never had a late payment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: OR

Complaint narrative:
Visa card herein reference has not been re - open for services Advise to reach out XXXX President Sincerely, XXXX XXXX Senior Customer Care Specialist U.S. Bank XXXX Customer Service Enclosure CC : Consumer Financial Protection Bureau

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