vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-15 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: IN

Complaint narrative:
My student loans were in default status due to intermittent unemployment and persistent underemployment. Therefore, I entered into the Loan Rehabilitation Program with XXXX XXXX XXXX on XX/XX/XXXX. The Repayment Agreement was signed and submitted to XXXX XXXX XXXX via email on Friday, XX/XX/XXXX and Thursday, XX/XX/XXXX. The Repayment Agreement states that I was supposed to make at least nine ( 9 ) monthly payments of {$5.00} each month. I have made and XXXX XXXX XXXX/XXXX XXXX XXXX has processed ten ( 10 ) payments, which was more than agreed. However, XXXX XXXX XXXX./XXXX XXXX XXXX   has neglected to provide this accurate information to all three ( 3 ) credit bureaus. I have complied with all requirements regarding timely paperwork and payment submissions. However, the incorrect repayment reporting to all three ( 3 ) credit bureaus continues to adversely affect not only my credit score, but also my attempt to secure credit. 

I have submitted all requested payments before or within the payment timeframe. The following payments, in the amount of {$5.00} each, have been submitted to date : No. Payment Date Payment Type Comment 1 XX/XX/XXXX Payment Card Submitted on XXXX website 2 XX/XX/XXXX Payment Card Submitted on XXXX website XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # XXXX XX/XX/XXXX Money Order # 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 2019-02-15 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: Midwest Recovery Systems
State: TX

Complaint narrative:
On Friday, XX/XX/2019, I retrieved a copy of my credit report. I immediately noticed that Midwest Recovery Systems had placed derogatory entries on my credit reports. This collection agency has blatantly violated the law. Per FCRA, I should have been notified that they were attempting to collect a debt. Midwest Recovery did not provide a dunning letter nor any written correspondence to that end, ever notifying me of this alleged debt thus, forfeiting my consumer right to dispute the validity of this alleged debt. I have never heard of this company, never communicated with them, nor have I ever signed any contract with them. This erroneous, unverifiable entry must be removed from my report immediately due to the FCRA violation. See attached credit reports that reflect the recency of this entry on my credit reports. This inaccurate and unverifiable entry has caused great detriment to my credit reports and all at the fault of this 3rd party collection agency illegally inserting this erroneous information. DELETE THIS ENTRY IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: IL

Complaint narrative:
For ten years I have had my current phone number. From the beginning it has been on some collection list that gets passed around from year to year. The latest is mercantile adjustment XXXX. If they are calling us, it is because they have some 10+ year old debt sheet that they are harassing people with. Please return the favor. Here 's their contact info. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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 — Problem with personal statement of dispute
Company: Penn Credit Corporation
State: FL

Complaint narrative:
To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 
XXXX/ XXXX this only show in XXXX  was added on I dont owes this company any money please I will report it to Consumer Financial Protection Bureau also I will send a copy of this letter to them This company showing two time in my report from XXXX XXXX/ XXXX XXXX this account was paid off and closed please update never late why it showing in my report Penn Credit Corp Please have them remove this from my credit Also please update the following information which I saw your credit bureau to be missing or incomplete

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: TX

Complaint narrative:
equifax hippa and privacy rights violation, you state you will not investigate at this time, this is a serious matter doc 's enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: WI

Complaint narrative:
Text received on XX/XX/2019 and XX/XX/2019. 

Please contact MRS Assoc. regarding a XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. Further details have been mailed or emailed. Please review your email inbox, junk, or spam folder. Prefer to chat? Visit us at www.mrsbpo.com and chat with a representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Called BBVA Compass XXXX with a simple request : XX/XX/15 Over an hour stupid talk trying to get them to show me on either my statement or online where it shows the interest free promotion I am on and the deadline in writing that I could trust to be accurate and binding. They admitted it could not be found. Then that they will try and see if perhaps if allowed it could be emailed to me but it would take 3 to 5 days but not sure it could be done. I tried to hold for a supervisor but after over an hour with tons of additional stupid talk they said they would call back in XXXX min. They never did. 
XX/XX/15 Called again asking the same info to be shown to me on their statement or online but they still can not show me that. I mentioned filing a complaint and after a long hold time was then told they would mail it to me in 7 to 10 days. They could not email it to me today and I don't trust that I will ever get a letter. But that gives them another 10 days to blow me off. 
Being that I almost missed my 1st payment because I did not have a statement or their address to send it to and it also took a long stupid talk call to get that info, I have come to the conclusion that this company is trying to trip the public up into losing the interest free offer after they have paid 3 % to get a balance transferred. And note too that so far I am on time and still have the interest free offer but I don't trust they will hold to their offer if I don't see the date ending printed somewhere. All my other credit cards that I have done this with will have it listed on their statements and online too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX my husband and in-laws both received voicemails from a XXXX XXXX stating that she was trying to locate me and that I had a pending legal suit against me. my husband gave me the number that she had given as well as the filing number that was on the voicemail. I called the number and was told that they were XXXX  out of Georgia. I asked for some sort of verification of the debt and was told that that was evidence and they would not give it to me. I repeatedly asked for more information and they would not give me anything other than the amount due if I paid that day or the amount that I would have to pay if it goes to court. I was told that I could call the original creditor but they would just refer me to the collection agency that they used and that collection agency would refer me to a broker who would then refer me to another agency before I finally got back to them. I called back this morning and recorded the conversation. I asked who the plaintiff was and was told the plaintiff is them ( XXXX  ). that they own the debt now but that they are not a collection agency they only file the paperwork. I again requested a copy of the documentation and was told that the only documentation they can give me is a document stating that I had resolved it or documents stating I had made payment arrangements. That they would not give me any documentation pertaining to the original loan. I asked for the name and address of the firm as well as the name of the attorney that would be filing the complaint. I was told they don't have any attorneys on staff and that their name is XXXX  I was given a PO box of -XXXX XXXX XXXX XXXX California XXXX. When I asked for the full name of the company she refused to give it to me ( the lady I spoke with name was XXXX both days ). I asked what their role was in this situation and I was told that they are a legal proceedings office that they purchased the debt with the intent to sue so therefore they are not a collections agency.the phone number I was given as a contact for them was XXXX XXXX file number XXXX. The phone number that called my husband and my in-laws was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IQOR US INC
State: AZ

Complaint narrative:
In XXXX, I called Allied Interstate to place my loans in rehab to ensure I could receive Title IV funding for my final semester. I was placed into a program to make nine payments and then the loan would be rehabbed. I had automatic payments scheduled and had no problems with my bank accounts, when the sixth payment processed I contacted Allied to have notice sent tot the school that I would be able to resume receiving financial aid. In XXXX the final payment was not taken from my account, and returned to the guarantor of my loans ( XXXX  ). They have advised me that I will have to begin the rehab process one more time, and Allied has blatantly lied to XXXX about what happened with my account. I had not been able to get complete information about what happened until I contacted XXXX today, and am quite bitter that I reached out to do my due diligence as a borrower and was not given information that was accurate on how to proceed. I did file a Borrower Defense to Repayment in XXXX of 2017 which Allied was aware of, I informed them that I wanted that hold removed, which they said they complied, but when the loan was returned to XXXX the hold was still there, and no further information could be given. These practices of bouncing the loans from one servicer to the next are reasons why borrowers are struggling to get accurate information to maintain timely payments and avoid problems like default. 

I have attached my contract with them, also the statements where the money was removed and the last statement which shows that the money was never attempted to be removed from my account for the final payment ( they have claimed that the payment was returned for the final payment )

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 2019-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: PMAB,LLC
State: SC

Complaint narrative:
PMAB LLC has been calling me weekly about bills from XXXX XXXX XXXX Hospital. I filed a complaint with the Medical Director, of the hospital, because of inappropriate treatment in the Emergency Room. I  was told that the charges {$54.00} and {$500.00} would be removed from my account. Last year PMAB started calling me and I informed them about this issue and told them to stop calling me. I also explained that I am living in Social Security in a HUD subsidized building and an trying to get my medical expenses corrected. They haven't stopped calling, plus my XXXX credit score has gone down 36 points. I filed a dispute with XXXX and they removed the accounts from my file. I want to stop the phone and mail harrassment. All the accounts they have are medical. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: TX

Complaint narrative:
I filed an identity theft report with FTC as someone has stolen my information. I did not request any credit and have frozen my credit with XXXX. My credit report states the inquiry was made on or around XX/XX/XXXX for a travel/entertainment card. 

The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/XXXX. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the Bank must immediately place a dispute code on its subscribing credit bureau reports.

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 2019-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I had money from the VA that was due to me since last month in XXXX and didn't get it and also my tuition was paid in full and I have had my financial aid payments sitting on my account since XXXX. They said they are in receivership and don't have exact dates to when stipends are going to be released. But just as other students I count on that money to help with bills and etc.. I have fallen behind on a few payments because the school has not released my funds. The funds are mine and my federal subsidized loan and they have it on my account but have not sent it to bank mobile as of yet. They don't answer their phones or anything I've only gotten email traffic back from my temporary financial XXXX. I hope this problem can be expedited. Thank you for your assistance with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion fail to contact the furnisher after I was unsuccessful to do so because XXXX refuse to answer a certified mailed letter requesting for a application for credit with my signed signature consenting to this unauthorized hard inquiry. 

I was informed by Transunion to personally contact XXXX for further information which I did so. 

It has been exactly 60 days from the day XXXX recieved notification from me and they continue to not response to the FTC and myself ... this unknown company has refuse to acknowledge the laws and rights of consumers requesting information in a dispute.

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 2019-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have four accounts with Capital One and the have a service that brings up your credit score or FICO score. It has been in the low 500 's and when I check on my XXXX and other accounts, it's higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-02-15 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Opened account with PayPal Credit in XX/XX/XXXX web checked my account and it disappeared XX/XX/XXXX with account in good standing and no missed payments. I called the company twice and got the same answer, " the system identified your account as part of a bankruptcy and has been charged off to collection '' I asked to escalate my compliant to resolve any issue and they denied any such action. Their has been no bankruptcy attached by me or any bankruptcy in the year this account was opened. There were no notices via web, mail or phone.

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 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am having problem with Experian Credit Bureau and XXXX I sent so many letter and XXXX  send me the result and the stuff was remove and those two credit bureau refuse to remove all I am getting from Experian verified updated and meanwhile XXXX  is deleted/ removed them from my report XXXX XXXX XXXX XXXX was removed from my XXXX account but still showing three time same thing on my XXXX   and Experian credit report and they refuse to remove it please update it between XXXX  on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX was removed also from my XXXX  credit report and Experian and XXXX  still have it in the system please remove it was removed from between XXXX  on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX ( medical Group XXXX  was removed XXXX XXXX XXXX was removed ( 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 2019-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: NV

Complaint narrative:
This company is fraudulently reporting onto my credit report. They sent me a contract with no information leading to me, just a paper that had my name on it. 

They stated they had phone calls according to their records of me admitting this was my debt, I've asked for these phone calls and they have not provided them. 

IN ADDITION, I AM REQUESTING ALL DOCUMENTATION THAT SHOWS MY SOCIAL SECURITY NUMBER WAS USED AND GIVEN TO YOU, THE AGENCY, AND THE ORIGINAL CREDITOR. 

Sending me a fraud affadavit is not the solution. How can I fill out a fraud packet and I don't have any proof of my social security number being used? you sent me a contract ( which I kept and am sending to the bureau 's as well as my state attorney general ) that did not have my social security number on there ... 

That being the case, how do you know it belongs to me? That could've been anybody! And it apparently was somebody else, I've never resided at the address listed nor have my number been what was on that contract! 

If what was shown to me previously is all you have I am demanding that it is deleted NOW! Where is the paperwork with my social security number?! There isn't any!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, XXXX 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