vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
XX/XX/19- My father with the same last name failed to pay his medical debt for medical practice 'XXXX XXXX XXXX XXXX '. My father failed to pay {$510.00}. This debt was placed on my credit report and has hurt my credit substantially. 
Capital Accounts LLC XXXX XXXX XXXX XXXX TN XXXX : ( XXXX ) XXXX is the debt collector that placed this on my credit report. I called them and they verified I did NOT have an account with my DOB or SSN. I told them that they incorrectly placed a negative report on my credit, and they stated they submitted correct information, to contact credit bureau. I submitted dispute with XXXX online, and they " confirmed '' it belong to me when it does not. 

I asked Capital Accounts for proof that I did not have an account with them, but they state they can not help me with that since I do not owe them anything. Due to their mistake in reporting, I will now have to hire lawyer to get this off of my record. This practice is not fair and needs to be rectified.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rocky Mountain Recovery Group
State: WY

Complaint narrative:
Rocky Mountain Recovery contacted me in order to collect on medical debt. They told me that if I agreed to make payments, that they would keep it off my credit report. Instead they opened a collection account on me on XX/XX/2019. They continue to take monthly payments from my credit card.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-19 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: NY

Complaint narrative:
The credit reporting agency failed to provide verification for accounts that are on my credit report that are not mine.

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 2020-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Noticed inaccurate information regarding a student loan I had with Salie Mae. 
XX/XX/XXXX requested loan documents.Called into customer service and was told I will be mailed original copy of signed agreement showing amount and interest rate. 

XX/XX/XXXX followed up on original request of loan documents. Provided address. Was told it was submitted but not all the way. 

XX/XX/XXXX followed up on 2nd request of loan documents. Was told documents were sent out XXXX. Said they did not have complete address missing unit #. Again provided complete address had employee confirm address by reading it back. Let her know if i do not receive the documents within 14 business days starting from today I will file a written complaint with the ombudsman and after that I will need to take legal action. 

Have only received " Notice of Loan Guarantee & Disclosure Statement. 
I have requested a number of times the original documents and Navient has been unable to furnish this request. Instead will send a statement. 

Loan ID # XXXX This has been a problem that I have been unable to resolve through their customer service department. No matter how many times I called and representatives I was escalated to I was never provided documentation of the loan commitment other than a printed statement of the loan. I was unable to move forward at that time and put the issue and payments on hold. I recently found out about CFPB and hope that this can resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: NY

Complaint narrative:
The credit reporting agency failed to provide verification for accounts that are on my credit report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: FL

Complaint narrative:
SCA Collections - XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX ( XXXX ) XXXX has been trying to collect a medical debt from me since 2016, I never received any notices in the mail. I checked my credit report and saw that they've been reporting negatively bringing my score down. I have since mailed off dispute letters via certified mail through USPS and we have been corresponding with one another ; they're refusing the remove the debt. I was sent a copy of a bill ledger saying that I had a medical procedure done that totaled up to {$370.00}. I asked SCA Collections to provide actual proof that this account or debt belongs to me and on several occasions they have failed to do so. I have filed XXXX XXXX XXXX XXXX complaint and nothing was done, they still refuse to comply.

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 2020-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
Date was Thursday XX/XX/2020. The amount was {$1000.00} worth of XXXX gift cards paid to loan officer by the name XXXX XXXX claiming to be from LendingTree. He demanded another {$350.00} of XXXX for US IRS Tax for Loan for Disqualify Credit. I called XXXX and they said the cards was already used and has a XXXX  balance. They said to go down to the police station and report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have on several occasions since graduating to defer or even ask for info on my loan and getting options to lower my payments. They would not give me options and often times they would refer me to scare tactics and make me feel uncomfortable and force me to agree to higher payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has placed another fraudulent medical charge on my account from XXXX for {$400.00}. I am unaware of this charge, the charge does not belong to me, and the charge is fraudulent. My identity and identification had been stolen and used for years, as I have reported to Transunion. Transunion is aware of my identity theft that I reported to them. I do not live in the state in which the charge was placed. I would like for Transunion to remove the {$400.00} charge. I have never had any dealings with the collections. The charge and account are fraudulent. Please remove from 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 2020-01-20 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
My name is XXXX XXXX XXXX. I previously provided legal documents to each of the three credit bureaus attesting and verifying this fact. XXXX XXXX XXXX. Again, I attach verifying documents as requested by XXXX XXXX XXXX, and XXXX. I do not believe the errors in my credit report by mistake. My last name is not, XXXX, but there it is listed in my personal information. I demand strict proof that my name was reported as such, contrary to the XXXX position. I have been told the credit bureaus can not honor my prior complaint/request or portion of it based on a limited amount of information. Yet these are the very same credit bureaus who have previously stated they conducted a thorough investigation of my complaints, so which is it? Each of the credit bureaus states their role in the dispute process is to review the accuracy and completeness of any disputed item to which I demand strict proof of their review, accuracy, and completeness. XXXX continues to falsely report past due payments on accounts that have been closed, written off, discharged and forgiven. I demand strict proof of their original investigation into the underlying fraud associated with the use of the XXXX cards. Ally Bank continues to report two late payments on my car payment to which I demand strict proof of these delays, lapses or delinquencies. XXXX claims they are unable to locate a credit file for one of the following reasons. If this is the case how is it that XXXX is reporting credit inquiries on my credit report, continues to fraudulently report the XXXX, Ally Bank fraudulent reporting and more. Further, why is XXXX  XXXX sending a response to my complaint when the XXXX office in XXXXXXXX Georgia has traditionally responded? XXXX XXXX continues to fraudulently report a chapter XXXX bankruptcy that was dismissed without discharge in violation of the law. How is it that CFPB can not get their enforcement act together and appropriately address these matters? I guess corruption pays the better.

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 2020-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH

Complaint narrative:
Account Holder Very Concerned, the Union Bank Mal-Purposefully Tweaking, the Account Holder 's Credit Card Payment Schedule, to Wait Until the Account Balance Exhausted, Conducting the Bill Payment, and Incurring Un-Reasonable NSF Fees. 

( Mal-Intentionally NSF Fee Charging, the Account Holder. ) Problem Bank : Union Bank. 
www.unionbank.com -- Account Holder : XXXX.XXXX. ( SS # : 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 monetary relief
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has placed another fraudulent medical charge on my account from XXXX for {$400.00}. I am unaware of this charge, the charge does not belong to me, and the charge is fraud / fraudulent. I don't even live in the state where the charge was made. My identity and identification had been stolen and used for years and still is, as I have reported to Equifax. Equifax is aware of my identity theft that I reported to them. I do not live in the state in which the charge was placed. I would like for Equifax to remove the {$400.00} charge. I have never had any dealings with the collections. The charge and account are fraudulent. Please remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
After reporting a problem with Experian, Experian launched in " investigation, '' but ended up opening up a dispute with an unrelated account, which showed on my credit report. At first I was unsure what this was about, but when the results of this " investigation '' came back, it said it was a " reinvestigation '' despite me never having disputed this account, ever. The original dispute was not investigated, and remains inaccurate. Experian responded with boilerplate language, but did not actually fix the problem, despite being provided with receipts of payment, which they asked for. It's clear they don't actually even look at evidence they ask for, they just take the word of the creditor, and when a consumer complains, they retaliate.

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 2020-01-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My name is XXXX XXXX XXXX. I previously provided legal documents to each of the three credit bureaus attesting and verifying this fact. XXXX XXXX XXXX. Again, I attach verifying documents as requested by XXXX, XXXX XXXX, and Equifax. I do not believe the errors in my credit report by mistake. My last name is not, XXXX, but there it is listed in my personal information. I demand strict proof that my name was reported as such, contrary to the CBI position. I have been told the credit bureaus can not honor my prior complaint/request or portion of it based on a limited amount of information. Yet these are the very same credit bureaus who have previously stated they conducted a thorough investigation of my complaints, so which is it? Each of the credit bureaus states their role in the dispute process is to review the accuracy and completeness of any disputed item to which I demand strict proof of their review, accuracy, and completeness. XXXX continues to falsely report past due payments on accounts that have been closed, written off, discharged and forgiven. I demand strict proof of their original investigation into the underlying fraud associated with the use of the XXXX cards. XXXX XXXX  continues to report two late payments on my car payment to which I demand strict proof of these delays, lapses or delinquencies. Equifax claims they are unable to locate a credit file for one of the following reasons. If this is the case how is it that Equifax is reporting credit inquiries on my credit report, continues to fraudulently report the XXXX, XXXX XXXX fraudulent reporting and more. Further, why is Equifax XXXX sending a response to my complaint when the Equifax office in XXXX Georgia has traditionally responded? XXXX XXXX continues to fraudulently report a chapter XXXX bankruptcy that was dismissed without discharge in violation of the law. How is it that CFPB can not get their enforcement act together and appropriately address these matters? I guess corruption pays the better.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: TN

Complaint narrative:
My name is XXXX XXXX XXXX. I previously provided legal documents to each of the three credit bureaus attesting and verifying this fact. XXXX XXXX XXXX. Again, I attach verifying documents as requested by Experian, XXXX XXXX, and XXXX. I do not believe the errors in my credit report by mistake. My last name is not, XXXX, but there it is listed in my personal information. I demand strict proof that my name was reported as such, contrary to the CBI position. I have been told the credit bureaus can not honor my prior complaint/request or portion of it based on a limited amount of information. Yet these are the very same credit bureaus who have previously stated they conducted a thorough investigation of my complaints, so which is it? Each of the credit bureaus states their role in the dispute process is to review the accuracy and completeness of any disputed item to which I demand strict proof of their review, accuracy, and completeness. XXXX continues to falsely report past due payments on accounts that have been closed, written off, discharged and forgiven. I demand strict proof of their original investigation into the underlying fraud associated with the use of the XXXX cards. XXXX XXXX  continues to report two late payments on my car payment to which I demand strict proof of these delays, lapses or delinquencies. XXXX  claims they are unable to locate a credit file for one of the following reasons. If this is the case how is it that XXXX  is reporting credit inquiries on my credit report, continues to fraudulently report the XXXX, XXXX XXXX  fraudulent reporting and more. Further, why is XXXX  XXXX sending a response to my complaint when the XXXX  office in XXXX Georgia has traditionally responded? XXXX XXXX continues to fraudulently report a chapter XXXX bankruptcy that was dismissed without discharge in violation of the law. How is it that CFPB can not get their enforcement act together and appropriately address these matters? I guess corruption pays the better.

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 2020-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp
State: FL

Complaint narrative:
I am beyond frustration! I made a payment on XX/XX/XXXX which they didn't post until XX/XX/XXXX .. I made 2 payments on XX/XX/XXXX one for {$1000.00} and one for {$1000.00} .... they failed to post one until XX/XX/XXXX and the other wasn't posted until XX/XX/XXXX and for the incorrect amount ( they posted it for {$1000.00} instead of {$1000.00} ) I  have been on the phone with them every other day or so ... promised call backs that never happen ... have yet to receive any written acknowledgement of their errors .. despite numerous letters, calls and emails! This company needs to be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC
State: NC

Complaint narrative:
I ask pmab to send me validation letter and they broke hipaa act by sending me my personal information as verification and not validation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Utah System of Higher Education
State: TX

Complaint narrative:
I have repeatedly sent information to XXXX  to request IBR, etc as I am not in school. I can not afford to make ANY payments. I work at a restaurant and hours have been cut due to the season which causes a reduction in business. I supplied my check stubs and was advised that based on tips that were averaged that I do not qualify. My check stubs at the time showed I made about $ XXXX/ {$15000.00}. I have repeatedly faced this information. My family has faced information including check stubs. I ended the year {$17000.00}. No one knew anything, the answers were ludicrous, and no one seems to care. I am struggling to pay rent and my mother tries to assist if she can, she has XXXX XXXX and this is causing her to stress which can lead to an Exacerbation/Relapse. She has been able to enter an IBR as our financial situation is hard especially after her hospitalization. She is in Texas and I in Massachusetts because it is hard for me to continue school and her health has/had taken a toll on me which contributed to failing some classes. XXXX  has people working there that calculated income that was twice as much as I made with only at that time 2 months left in the year. I did not work XX/XX/XXXX _ XXXX XXXX and am only receiving 1/2 or  less of the hours I should receive as a full time employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
This new complaint is related with complains XXXX from XX/XX/XXXX,  XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX. All of these belong to First Bank of Puerto Rico. 
As you review all of these complaints you can see First Bank of Puerto Rico didnt comply with the law because they only fixed this problem only with XXXX  y XXXX. They have been very negligent because in more than a year they haven't fixed the ERROR, I just find out they never fixed the same error with XXXX 
Late XX/XX/XXXX I disputed this old ERROR through XXXX  Web Site and the First Bank of Puerto Rico supposed review this error and they still insist that I owe some money which is ridiculously because they accepted / fixed the error with the 2 Bureau of Credit and left one unresolved. First Bank of Puerto Rico just updated on XX/XX/XXXX, XXXX this error without fixed. 
This problem is causing me that my Credit Score dropped almost 30 points. Please CFPB help this bank to be more responsible to comply with the law! 
Thank you very much!

Company response to consumer: Closed with explanation