vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-21 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: GA

Complaint narrative:
All Three Credit Bureau 's are reporting inaccurate information regarding The " XXXX   XXXX XXXX '' Loan, on several occasions I have asked for this issue to be resolved and to no avail the issues Have not been fixed. The issues of inaccurate reporting are wrong loan balance the credit bureaus are reporting ( XXXX ) The Correct amount is (  XXXX ) and they are also reporting this account as Delinquent ( 90-119days ) this also is inaccurate reporting. The account is current I have contacted them in XXXX, XXXX and XXXX but i keep getting the response from supervisors.i also have provided hem with evidence that the account is current

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: GA

Complaint narrative:
All Three Credit Bureau 's are reporting inaccurate information regarding The " XXXX   XXXX XXXX '' Loan, on several occasions I have asked for this issue to be resolved and to no avail the issues Have not been fixed. The issues of inaccurate reporting are wrong loan balance the credit bureaus are reporting ( XXXX ) The Correct amount is ( XXXX ) and they are also reporting this account as Delinquent ( 90-119days ) this also is inaccurate reporting. The account is current I have contacted them in XXXX, XXXX and XXXX but i keep getting the response from supervisors.i also have provided hem with evidence that the account is current

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-21 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: GA

Complaint narrative:
All Three Credit Bureau 's are reporting inaccurate information regarding The " XXXX   XXXX XXXX '' Loan, on several occasions I have asked for this issue to be resolved and to no avail the issues Have not been fixed. The issues of inaccurate reporting are wrong loan balance the credit bureaus are reporting ( XXXX ) The Correct amount is ( XXXX ) and they are also reporting this account as Delinquent ( 90-119days ) this also is inaccurate reporting. The account is current I have contacted them in XXXX, XXXX and XXXX but i keep getting the response from supervisors.i also have provided hem with evidence that the account is current

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: TX

Complaint narrative:
I received a notice from credit monitoring service back in XXXX of an alert on my Experian credit report. It showed a Charge Off for XXXX XXXX in XXXX. I never had a charge off on this account and no late payments. I paid the account in full in XXXX for {$98.00}. I have disputed it 3 three times with Experian and they still show the charge off. Everytime I call Experian I can not get anyone to listen, they just say they will dispute it. My account is reported correctly on the other two credit bureaus. Experian keeps blaming the creditor stating it's the way the creditor reported it. I called the creditor and they have checked on their end and never reported a charge off. The creditor sent me a letter in writing stating my account was paid in full in XXXX. This wrong reporting by Experian caused me to lose financing for my home. I can not afford to wait another 30 days for them to dispute again. Experian has not reached out to the creditor, the creditor has confirmed this. 

I have attached the receipt from when I paid off the loan and a letter from the creditor 's corporate office stating the loan was paid in full in 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 non-monetary relief
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I HAVE ASKED XXXX VARIOUS TIMES TO SEND ME THE FALLOWING 1. A copy of a Liability Agreement bearing my signature along with proof of  identification presented at the time of the visit. 
2. Verification the claim was submitted to my insurer within the allotted timely filing period. 
3. The Explanation of Benefits received from my insurer in response to the claim verifying my responsibility for the amount billed. 
4. Documentation verifying the amount owed has been deemed Patient Liability. I trust that you are aware that it is both, unlawful and unethical, to bill me for any amount of money your office is liable for. 
5. Any proof that you may have that it was communicated to me that payment was expected before services were rendered I trust that you are aware you can not report this as a collection unless credit was extended to me. Credit is extended if your office regularly requires payment before rendering services and make patients aware that through receiving care on credit they would later be responsible for the unpaid amount. 
AS PER ( FCRA 623 ). 

HOW EVER THEY SENT A PHOTO COPY OF MY SUPPOSED BILL ANS SERVICES WHICH VIOLATING HIPPA IO DEMAND THAT THEY STOP  COLLECTING BOGUS AMOUNTS AND REMOVE THIS INACCURATE INFORMATION 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 2018-10-21 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: TX

Complaint narrative:
XXXX/XXXX IS STILL BEING REPORTED THIS ACCOUNT ISN'T MINE IT WAS OPENED FRAUDULENTLY THE FALLOWING INQUIRIES WHERE NOT AUTHORIZED XXXX/XXXX  Inquiry from XX/XX/XXXX Department & Variety Stores Rise Inquiry from XX/XX/XXXX Finance XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX TRANsunion HAS FAILED TO ACT WITH IN FRCA REGULATIONS, I HAVE SUBMITED THE POLICE REPORT AND FTC REPORT. Transunion has 4 business days, per FCRA Section 605B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have contacted the company regarding the medical debt for XXXX that does not belong to me. I have contacted them twice concerning the issue to no avail. It is apparent that the debt is not mine but the continue to try and collect it. Even in the paperwork they sent on XX/XX/XXXX Account # XXXX and XXXX XXXX. The DOB clearly shows XX/XX/XXXX and a insurance company of XXXX  XXXX XXXX TX which neither are mine. Also the testing was performed in NC I live in TX. I have been denied credit because of this incorrect information on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: TX

Complaint narrative:
4 business days, per FCRA Section 605B which are allowed for fraud cases, experian has failed to remove XXXX/XXXX and inquiry. 

They have responded that they will work on it trough XX/XX/2018 violation the above regulation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-21 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:
Haveing serval inquiries that are not mine .possible due to data breach Equifax 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 XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I got a call from Capio Partners Llc some times 2 months ago, they told me I was owing a medical bill due to treatment I got sometimes last year. 
I asked him few questions about the name of the hospital and why has the hospital not contacted me before reported it to the collection. He told me the name of the hospital and it was a fact that I was admitted there last year for 2 hours but I was curious to know why they did not get to me before reporting me to debt collector. 

I told him I will check with my previous job health insurance company, I did gave them a call and they told me I dont have any outstanding and I should be careful of scammers. 

After this, I made a call to the Hospital and someone promise to give me a call back because the person to check the record was not on seat. 

I did not get any letter or further calls from both hospital nor the debit collector but the report did appear on my credit report as Derogatory Account few days ago. 
Because I would not want to toy with my credit history, I quickly call the number on the report and after making my complaint I decided to make the payment so as not to give me negative impact. 

Though I had paid but this will have a big negative effect on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: AmeriCash Holding LLC
State: GA

Complaint narrative:
I applied for a payday loan with XXXX XXXX  in XXXX XXXX, SC on XX/XX/XXXX, in the amount of {$630.00}. Semi-monthly {$87.00} is withdrawn from my account. I have not missed a payment. Today, 5 months later, I still owe this company {$550.00}. I have already paid this company {$870.00}. They're telling me that I accrue interest everyday & the amount I'm paying semi-monthly does not go towards my principal balance. By the end of pay off, I'll be paying them over {$2000.00}. This is ridiculous & i want out of this loan. This loan is putting me further in a financial hardship. I will contact my bank to request a stop payment from their automatic draft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Pentagon Federal Credit Union sent me an erroneous notice about needing flood insurance on property. Ive had a HELOC with this lender for over 5 years and was never required to get flood insurance as the property was built above a 100-year flood plain. I called the lender and after a few transfers and absence of answers for the notification, I was told to disregard it. Fast forwarding it to day, i just saw my mortgage payment erroneously reflects an increase in monthly payment by {$2000.00} ( assessed charge for flood insurance ). This puts me at a potential of not making the new erroneous payment. This is a diceitful and erroneous practice of the lender. Asking for investigation, identification of root cause, and corrective/preventive action that insures other customers are not affected by these practices.

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 2018-10-21 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: WA

Complaint narrative:
I've tried numerous times to log in to Transunion.com, but it won't let me. When I go to its dispute page, there's no way to select an account to dispute. Transunion makes it very hard to fix errors on my credit report. This is against the FRCA rule.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Unauthorized inquiries on my reports. I have tried to contact the companies requesting to verify or remove the information with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Unauthorized inquiries on my reports. I have tried to contact the companies requesting to verify or remove the information with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have contacted the company and asked that the information be verified and have not received any communication from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have been with Capital One for several years now. I pay my credit card every week from my own external banking to Capital One. I log into my online credit card everyday just to check to make sure everything is okay. With their old online platform, although I did have lots of problems with logging into their online credit card account, the old online platform did show me the payments that were made from my external bank account. 

However, with their most recent new online platform, it does not show my payments from my external bank account. I called their Customer Service and complained, but their employee said they do not handle this issue in their department. I then emailed my complaint to XXXX but they ignored my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Today I was advised by XXXX that Capitalone credit card closed my account. They gave me no notice. Moreover, Im not six payments behind. I ran into issues due unemployment, but paid my bill. I was told it was closed due to returned payments. Its unfair because my payment history reflect that I generally pay my entire balance in full. Its unfair, because today I was actually planning to pay my bill up. Ive been a customer for over one year. I was told nothing could be done. I would have to reapply. I knew people who are six payments behind and they havent closed their account. I feel that I have been retaliated against by my participation in a protective action. I have been unfairly singled out, and targeted. Its strange that now during my litigation of another matter, that my credit card was abruptly closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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 CAPITAL HOLDINGS, INC
State: LA

Complaint narrative:
I lived with an XXXX ex for like 2 weeks at an apartment. He XXXX XXXX the last time and I left. I was never on the lease or signed or anything like that. The apartment people have sold my info to a company that refuse to validate the debt and refuse to remove it off my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: LA

Complaint narrative:
XX/XX/2012 I was going to attend XXXX XXXX College. A little XXXX school. I withdrew before starting and loans were still disbursed to this scam school. For the past 6 years I have been trying to get it discharged like the ombudsman said to do but XXXX XXXX XXXX keeps denying and won't tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: VA

Complaint narrative:
" " '' I have disputed this Account XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have been trying to freeze my credit with Experian. I had absolutely no problems doing this with XXXX and XXXX. Every time I try to do this with Experian, I fill in my application, and then it asks me credit reporting questions. I know I'm answering them correctly yet each time it tells me that it can't honor my request. This always happens as well when I try to access my yearly free credit report. 

It seems to me they are making sure to reject any request and I shouldn't have to jump through this hoop just to protect my credit and identity. 

Sincerely, 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 2018-10-21 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:
As the attached pdf document shows, XXXX XXXX requires applicants to acknowledge that a certain web form is NOT a credit card application. Nonetheless, after filling it out and proceeding to a subsequent page, my XXXX credit report shows a hard inquiry from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-21 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: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
Vehicle purchased XX/XX/XXXX.Vehicle was totalled XX/XX/XXXX, 1 car payment had been paid ( XX/XX/XXXX/XX/XX/XXXX ). Insurance adjuster made a settlement ( of {$9100.00} ) with the lender who accepted. The payoff at the time was {$10000.00}, Gap insurance should have covered the remaining $ XXXX.Another car payment ( approx {$260.00} ) was drafted from account, was told that because we didn't cancel autodraft it automatically took out the money and money would be refunded after account was settled and Gap insurance took over. Several phone calls were made to resolve this and refund the extra car payment. Then was told money would not be refunded and we still owed {$15.00} which has now been reported to both our credit reports, and that Gap would only cover {$660.00}, not the remaining {$920.00} at the time setrlement was presented and accepted and bwfore an additional car payment was drafted out of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: CO

Complaint narrative:
XX/XX/2015 I changed phone service provider/carrier & service was terminated from this previous service carrier/provider. 
XX/XX/2015 This debt collection suddendly appeared on my credit report ( fictitious service for XX/XX/2015 ) without any contact or notification whatsoever from the company or debt collector at all of owing this debt..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation