vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: FL

Complaint narrative:
On XX/XX/17 I received a message from a credit monitoring services that my credit as well as my husband 's credit had been pulled by Credit Plus. I called the company right away and they stated that XXXX XXXX XXXX had used their platform to pull our credit. However, my husband or myself had never given authorization ( verbal or written ) to have our credit pulled. We disputed the inquiry with credit plus ( file number XXXX ) and they stated that it can take 30 days to have the inquiry removed, since XXXX XXXX XXXX has 20 days to respond. We are in the process of waiting for our credit to improve, since we paid off a lot of accounts, and it is still not showing in our credit. It was very important to us since we are going to be applying for a home loan soon and this inquiry can hurt our score and stay for 2 years. It is not fair that consumers go through this. The regulations must be changed and credit companies must request a written signed document before they allow any company to pull credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: CA

Complaint narrative:
I am currently enrolled in the Early Assistance Program for the 3 credit cards I have with Capital One due to losing my job in XX/XX/XXXX. Capital One assured me that I can pay my balances anytime during the month without any issue. They have since reported me to the credit bureaus on two of the three cards stating that I am 30 days late on these cards. I have paid within the 30 days. I was told by more than one person that I can pay what I feel comfortable with. The total minimum payment for these cards is {$90.00}. I was assured that paying {$5.00} for each card is appropriate. My credit score dropped 62 points this month because of this inaccuracy that was reported. I feel that I was given the incorrect information and mislead to believe that my credit score will not be affected. It unfair that my credit score has been hit because nobody from Capital One can provide their customers with correction information. I would call them to rectify this situation but I feel that I am not getting the customer service support that I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sought to obtain my credit report from the Trans Union. They have refused to correct even provide me with copies of my report. For me to know as a consumer, what they 're reporting. Although they 're disseminating inaccurate information about me, I have no insight into their inaccuracies. However, they continue to try and get me to buy credit monitoring services, etc. I 've tried repeatedly to obtain a copy of my credit report, have them reference for inaccurate information, to no avail.

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 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/17 I received a message from a credit monitoring services that my credit as well as my husband 's credit had been pulled by XXXX XXXX. I called the company right away and they stated that XXXX XXXX XXXX had used their platform to pull our credit. However, my husband or myself had never given authorization ( verbal or written ) to have our credit pulled. We disputed the inquiry with credit plus ( file number XXXX ) and they stated that it can take 30 days to have the inquiry removed, since XXXX XXXX XXXX has 20 days to respond. We are in the process of waiting for our credit to improve, since we paid off a lot of accounts, and it is still not showing in our credit. It was very important to us since we are going to be applying for a home loan soon and this inquiry can hurt our score and stay for 2 years. It is not fair that consumers go through this. The regulations must be changed and credit companies must request a written signed document before they allow any company to pull credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I 've been disputing Portfolio Recovery Associates ( PRA ) directly about a {$590.00} debt that does n't belong to me, and it is marked on my credit reports. I started disputing PRA with a certified letter mailed onXX/XX/XXXX. I requested validation of the debt that bears my signature. I received two letters back from them, both dated XX/XX/XXXX. They had only sent records from the original creditor. PRA failed to send me any validation that I owe them the debt of {$XXXX} I sent them another letter datedXX/XX/XXXX.XX/XX/XXXX Included in the letter, I specially stated the following in bold lettering, " As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. '' Yet again, they sent me another set of two letters, which were near identical to the ones they sent back before. The letters were dated XX/XX/XXXX. PRA stated in on of those letters, " because your dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute, ''. These new set of letters included no documentation I had asked for. PRA is still reporting this invalid debt on my credit reports. I contacted them for validation of this debt and they failed to send the proper documents. This proves that the debt does n't belong to me, and Portfolio Recovery Associates are trying to dismiss this dispute when, in fact, it 's not resolved. They continue to fail to send documentation bearing my signature, which proves that they do n't have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have a Care Credit which has limits as to what it can be used for. A common use is health cost like dental or medical costs for a pet. During New Years weekend I lost two pets in three days. In order to help me three of the charges where put on no interest deferred promotion for 6 months. Upon the near expiration I sent a electronic Balance Transfer through my account with XXXX XXXX for the remaining total of the promotional balance. I had contacted Care Credit and talked to one of their cutomer service Representatives and explained what I was going to do. Initially I was planning to just transfer balance from one account to the other but the Care Credit agent said they could not do that. So I contacted XXXX XXXX representative and explained what I wanted to do for what amount. He then set in motion to send electronically to Care Credit the balance transfer. This was all accomplished on the date that the promotional period was to expire. I then received notice from XXXX XXXX that the balance transfer was received by Care Credit. However, Care Credit took their time processing the balance transfer for several days and then I was slapped with all the back interest from the promotional program to the tune of {$430.00} at 26.99 %. The whole point of the balance transfer was to avoid the promotional period interest at the very high interest rate. It was bad enough losing two special pets but now I am being insulted with the huge interest charge.

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 monetary relief
Consumer complaint received 2017-08-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Sir A review of my account history was information based on previously biased credit reports that states inaccurately the reason for a delinquency within my account. The bank reporting indicated that my mortgage payment was not paid, after the XXXX of my spouse. The account was enrolled in an automatic capacity at the time of her passing. The bank independently canceled these payment to my montage resulting in delinquencies. I argued that I had not been notified by the bank before taking the above action, which was created on XXXX 2015, and damaged my credit rating.

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 2017-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
A medical collection bill I have been disputing has been duplicated by a new company. This debt is not owed and have never been validated XXXX XXXX XXXX and Common Wealth Financial System are trying to collect the same debt for a company named XXXX XXXX XXXX I do not know who this is and have never received a debt vallidation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
A medical collection bill I have been disputing has been duplicated by a new company. This debt is not owed and have never been validated ARS Account Resolution and XXXX XXXX XXXX XXXX are trying to collect the same debt for a company named XXXX XXXX XXXX I do not know who this is and have never received a debt vallidation letter

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 2017-08-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Seterus, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is named in a lawsuit as owner of my home. I am requesting document to show they own my home or every owned my home. I also would like any copies of assignments, billing, accounting details, etc from inception of loan.

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 2017-08-22 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: BB&T CORPORATION
State: NC

Complaint narrative:
Spoke to bbt, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on XXXX. I have also today ( X/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the XXXX file immediately.

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 2017-08-22 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
Spoke to bbt, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on chexsystems. I have also today ( XX/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the chexsystems file immediately.

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 2017-08-22 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
Spoke to XXXX, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on chexsystems. I have also today ( X/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the chexsystems file immediately.

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 2017-08-22 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: MI

Complaint narrative:
I have 5 accounts that are on my credit file that are due to identity theft and I have sent equifax the proper documents and they still will not remove the accounts. They told me that they cant remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
I wish to submit a written complaint against Midland Mortgage for reporting errors of late payments for the months of XXXX XXXX, XXXX XXXX and XXXX XXXX. These errors are keeping me from getting a loan on a house in Florida and the loan for the home on XXXX, Texas will close and the loan paid off in full on XXXX/XXXX/XXXX. I have submitted written requests and verbally addressed the accurate reporting of loan payment activity to Midland Mortgage to correct payment activity. I have also followed up with the President of the company and have not received any corrections reported to the 3 lead credit bureau agencies. Midland Mortgage XXXX XXXX XXXX XXXX, OK XXXX XXXX It is my understanding under the fair debt collection act enforced by the FTC, that I have the right to have payments that I have made applied to the particular debt that I indicate. As a debt collector Midland Mortgage is prohibited from unfair practices, under the Fair Credit Reporting Act, enforced by the FTC. I am entitled to have erroneous information on my credit report corrected. I have filed a complaint with the Department of Veterans Affairs and the XXXX  Department of Housing and Community Affairs for assistance. I did my due diligence and submitted requests in writing to have payments applied to the months that I specified. As a XXXX Veteran, I was discriminated against and denied my right, by a Midland Mortgage representative, which he declined my request to revise accurate credit reporting. The loan information has been requested to reflect as follows, account number is XXXX. XXXX XXXX payment onXX/XX/XXXX XXXX XXXX payment on XX/XX/XXXX XXXX XXXX payment on XX/XX/XXXXXXXX XXXX XXXX payment on XX/XX/XXXX XXXX XXXX payment onXX/XX/XXXX Your prompt assistance to address this filed complaint and credit reporting correction is requested.

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 2017-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, I was using XXXX constantly for sending/receiving XXXX. But because I visited XXXX XX/XX/XXXX-XX/XX/XXXX this year, my account was disabled because of sanctions between XXXX and US, I guess. I received an email which said I need to contact support team of Coinbase to enable my account, but I could n't reach them for the last 2 weeks. I am reaching you with the hope that you can help me enable my account, or at least help me get back those funds left in my account. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I just received a mortgage account statement from OCWEN LOAN SERVICING, LLC in the amount of {$8700.00} ( Mortgage Account statement dated XXXX attached ). OCWEN LOAN SERVICING, LLC has failed to provide any explanation or detail as to how this amount was specifically calculated. OCWEN LOAN SERVICING, LLC lists in its description of the mortgage account statement the principal payment, interest adjustment and charge - short payment, for figures of {$4200.00} and {$260.00} and {$3900.00}. Where did OCWEN LOAN SERVICING, LLC specifically compute these figures from, how and when did they specifically originate? OCWEN continues to make widespread errors on my account and needs to remove these bogus charges.

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 2017-08-22 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: MD

Complaint narrative:
I disputed a collection account XXXX XXXX XXXX in XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with the credit reporting agency. The collection agency was unable to properly verify and validate this particular said debt. Even after requesting a re investigation as well as proof of how the credit reporting agency determined this debt to be verified, I was informed that there was no formal investigation and that they only required for the collection agency to enter a code elctronically to verify that this debt that I had no prior knowledge of was accurate. The collection was even removed from my credit file in XX/XX/XXXX and then re inserted without providing me the proper 5 day notice prior to. After calling the credit reporting agency, I was informed that the collection agency may have removed and re inserted the collection in error and that they were unable to remove the debt unless I provided them with a police report. As a result of this misinformation, it has caused me higher rates on my insurance, vehicle purchases, and is also making it hard for me to obtain a mortgage for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Professional Recovery Management
State: TN

Complaint narrative:
I had a medical visit to the ER on XX/XX/XXXX-X/X/13, which the amount of {$300.00} posted to my credit report, not owing the amount. My health insurance already paid this. I have letters from my insurance documenting my exemptions from this debt, to no prevail.
I 've been trying to resolve with the debt collection and ( hospital ) sinc
e 2013! Yet, still unresolved. Now damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: TX

Complaint narrative:
I was checking my credit score on Equifax last week and come to know that i have one collection which is un-paid since XXXX 2017 of XXXX XXXX XXXX. I am still in shocked to see this because i really do n't know who they are even i never visit them. I do n't have any type of medical issues. I am trying hard to maintain my credit since last 3 years that is the reason that i always getting good offers from different financial institutions but now i am loosing my credit points because of this un justify or fraudilant transaction of {$790.00}. Please look into this matter as your earliest. Your prompt attention in this respect will be highly appreciated .. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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:
Experian credit reporting agency deleted XXXX XXXX XXXX and XXXX account off my report last month after there investigation now on this months report they both have been re-instated this is wrong I contacted legal advice and was told once an account has. Even deleted it can not be reinstated again. Due to this my credit score went eay down again

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