vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I have been contacted multiple times by a collection agency that goes by XXXX separate names ; Central Financial Control & Syndicated Office Systems. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in north XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a XXXX. Attached are my letters my Ftc partner told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN

Complaint narrative:
Regarding my XXXX credit report. I submitted a request for documented verification that I authorization this inquiry. I have not received a reply from the credit reporting agency nor the company who made the inquiry in the last 45 days. I requested documentation proving i made the inquiry and if they could not show proof then it should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
One Main Financial is reporting with XXXX that I was 30 days past due. The same month they reported to XXXX that I was paying as agreed. I was not paying this account and did not pay this account late in the month that they said. I have statements showing that there was no past due amount. Also, they kept saying that I had other fees that never showed up on my statement. I keep paying on the account but did not know what I was paying for. They finally waived the NSF fees that stated that I owed, but at the same time, they reported that I was 30 days past due. This is wrong and a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
False inaccuracies reporting, i asked for a investigation for issue as my right, no reply. I mailed a certified letter of investigation request to the address provided to me by experian credit bureau and the USPS returned the mail. Could not provided accurate validation of verification in the alotted time frame more than 45 days and counting.

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 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted XXXX in earlier XXXX after became aware of some inconsistencies in my XXXX account in late XXXX XXXX. I had just returned to the US after a 3 years tour in XXXX and was trying to reactivate my insurance to full coverage for my vehicle which was still in storage at that. I needed change my insurance to full coverage because otherwise I had to $ 120.00/Wk for my rental car anyway after multiple calls and bounce back and forth between numerous department regarding and {$8000.00} on my accounts, I finally gave up and decided to contact them back after the XXXX weekend and went ahead and bought insurance from another XXXX. Fast forward to XXXX XXXX, Between the Holidays, transitioning and all the training I had to go, I kind of forget about XXXX until I attend a class in XXXX when I was reminded of the free annual credit report and given a code to check my fico score. After I became aware of multiple discrepancies on my credit files, I contacted XXXX and the companies in question requesting information to assist me in addressing the fraudulent and or erroneous transactions. I finally received a response from XXXX in which its representative XXXX XXXX declined to investigate because I did not provide them with sufficient information. Unfortunately I do n't have any additional information, because I did not open the account, and have verified with my wife whom has vehemently denied opening the fraudulent account. XXXX is one of the best company out there and very military friendly which is the reason I am very surprise by their response. I can not protect myself and get police involved if necessary unless XXXX provide me with the requested info. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Security Credit Services, LLC
State: MA

Complaint narrative:
I was a victim of identity theft and there were XXXX accounts involved. I did not know of this till XX/XX/XXXX when my mother became ill and passed away I did a re-fianc on the home left to me. Upon running a credit check I found these XXXX accounts that were not mine and I started checking into and filed a fraud statement with all the creditors. I received 11 letters from the agencies releasing me from the debt and they were removed from by credit profile. I never received a letter from Security Credit Services but they did take it off my credit profile and I never heard form the again. In XX/XX/XXXX the closing date for my I home I learned that they had a lien on my home. I was upset as in the 3 years since I worked on this I never heard from them. On XX/XX/XXXX the fraud paperwork was sent to them and I learned that on XX/XX/XXXX Security Credit Services Sold this account to another agency and never released the lien in their name on my home. Since XX/XX/XXXX I have reached out to Security Credit Services by mail, fax and phone. I spoke once to a XXXX XXXX that was suppose to look into it and call me back but never did, my mail and calls after that were never responded to. Yesterday I was finally able to talk to a XXXX and explained the situation. I explained that it is not fair that they have a lien on my home for an account that they do not own. That statement was ignored. I asked for the owner who is XXXX XXXX but was told she is on vacation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Recovery Corporation
State: CA

Complaint narrative:
I continuously get calls from a XXXX from CR Corp calling that I owe them money. The calls come at XXXX every morning. I do n't know what this is about. I do n't want to call them back because after looking up this company, they appear to be a collection agency. I do n't owe any money and I do n't know why this company continuosly calls me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Niagara Credit Recovery
State: NY

Complaint narrative:
I was contacted by a company called Niagra Capital Recovery and they gave a phone number of XXXX. They left a message stating that they went to my house to serve me papers and since I was not there the suing party was going to take action without my knowledge ( which I think is illegal - I think you must be served papers and that they make multiple attempts to do so ). If I did not call today they would get my wages garnished without my knowledge and it could result in jail time. They gave me a case number. I called the number and got voicemail which is very strange since I called XXXX and most debt recovery places are open until at least XXXX XXXX. I explained I wanted proof of the debt before anything happened but no one called back. I keep getting phone calls ( from what I think are the same people ) at my job and once they find out it is me on the line they just hang up. It 's kinda scary. I looked them up online and no legit business website exists and many have reported them as a scam. I pulled my credit report after and did not see them listed on there.

Company response to consumer: Untimely response
Consumer complaint received 2015-09-17 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
On XXXX/XXXX/2015 I spoke with XXXX different representatives at Mobiloans , LLC who XXXX confirmed with me that a payment would be authorized for XXXX/XXXX/15. Two days later they charged my account in the amount of {$130.00}! TWICE!! This caused my account to have multiple overdraft fees as I had authorized other bills to be paid. When I called them, they told me they were sorry and that it was a mistake on their end, but unfortunately there was nothing they could do about it. This company has caused me so much unnecessary stress, I would never recommend them to anyone! STAY AWAY FROM MOBILOANS!

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern I recently disputed hard inquiries on my Equifax Credit file on XX/XX/2017 in regards to XXXX hard inquiries that was being reported on my credit report. The online dispute was submitted on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX hard inquiries that were not factual and I received the same response for All inquiries which was " Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and Must be investigated and if you do not investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my online dispute, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed the validity of an old tax lien with all XXXX credi bureaus and all but Eqifax have removed the lien from ny file. It does not exist. There is no way this is being verified as a valid lien. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Recovery Solutions, Inc.
State: OR

Complaint narrative:
Received multiple telephone calls from XXXX XXXX XXXX XXXX. They stated I defaulted on a payday loan from 2011. I inquired where, when and what company the loan was through the agent then said they would just take me to Court and hung up. I called back and an agent identified the Company as First Recovery. I asked for their address and agents name she refused to give it. I told them not to contact me again and to contact me through my attorney. I told them that I wanted my attorney to send them a letter and she hung up. They have the last XXXX of my SS # and the last XXXX numbers of my bank account. I believe this is a scam as I have never received written notice from them.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Recovery Solutions, Inc.
State: MD

Complaint narrative:
I received two calls robo calls from First Recovery XXXX. The voicemail left a callback number XXXX and a acct # XXXX. I call the number back and the person who answered the phone asked if she were speaking to XXXX and wanted me to verify my ssn. I responded that I was she but would n't verify my ssn. I was told that they would give me any information until I verified the ssn. I said that 's fine. This is a scam and I will report this call to the FTC. The women then said " when you make the report tell them to come lock your XXXX up '' and then quickly hung up.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had some detrimental items on my credit that were incorrect. These dropped my credit score significantly. 

I submitted complaints here and the items were removed. Before these items hit my credit score ( XXXX and XXXX ), it was up to XXXX. Now that all of these items have been removed my credit score is going back up slowly. The issue is that if incorrect items hit my credit report and drop me nearly XXXX points, removing those items because they were INCORRECT and did not belong there should restore my credit BACK TO WHERE IT WAS BEFORE THE ITEMS LOWERED IT. 
What I am seeing is that I am starting back from where the incorrect items brought me down to which was XXXX. This is completely XXXX backwards. This is literally holding me back from purchasing a home. I am ready to sue the doors off of everyone I can to simply get a high XXXX credit score for XXXX sake. This is ridiculous and causing XXXX for me. 

My score should be around XXXX and moving up, not XXXX and moving up. 

From XXXX ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX ) From XXXX ; XXXX collections were removed ( XXXX, XXXX, and a collection for 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 2016-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: N&S Partners
State: CA

Complaint narrative:
An employee at my workplace transferred the call to me since they were asking for me using my maiden name, I changed my name 7 years ago, stating they were a process server and they wanted my address. When I talked to this so-called XXXX, she provided me with another number to call ( XXXX ) and a case number XXXX. I asked XXXX for her number and she said she could not disclose it since they get death threats all the time and their number is always blocked. Our phones at work have caller ID, and I pointed out to her that the number showed as ( XXXX ) and she was amazed that it was not blocked and confirmed that was her number. They continued to harass me at my place of work, calling the receptionist and demanded to speak to my supervisor. I then tried calling them back, most of the time they would not respond. When they did respond I told them to stop calling me at work. The last time they answered I was threatened and told they would be sending a wage garnishment to my payroll department at work.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: U.S. BANCORP
State: DC

Complaint narrative:
This item came back as belonging to me. I paid off this credit card and its showing I owe a balance of {$180.00} and charge-off. I have attached my last statement where it show 's {$0.00} this account never went into a charge-off status. Please remove from my credit 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 2016-06-12 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ROC Asset Solutions, LLC
State: OH

Complaint narrative:
XXXX XXXX with XXXX has contacted family members with no connection to my debt, despite acknowledging and agreeing to a verbal cease and desist to such practice. She is also threatening me with legal action if I do n't " pay immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I bought an A/C in XXXX through XXXX and I got a credit store financed with Wells Fargo under a Promotion for 18 months with a 0 % Apr, ended in XX/XX/XXXX. For that reason I was making enough additional payments to my account to pay the debt in time before XX/XX/XXXX .... Also, when a customer wants to make payments " on time '' take extra precaution so I did and set up the automatic payments to " pay on time '' meaning not missing any " due date ''. However, I made extra payments to reach the amount before the promotional interest has ended. But Wells Fargo was not taking the extra money I was putting into my account because I had the autopayment set up, and just the minimum amount of this system was accepted and no additional payments were accepted. Yes, I believed I was making additional payments for many months, but in the reality they were not processing those payments. So, at this point it looks to me that this a " tricky system '' Wells Fargo is using to overdue payments, and in my case they won a " deferred interest ''. This tool is doing the opposite because is not letting the customer make payments " on time '' the automatic payment is there to help customers, and it has to be an " useful tool '' and Wells Fargo ' s system is not doing that. How do they think a customer can reach their total balance on time if they do not let customers pay extra payments other that the minimum amount with this automatic system they have. 

My original debt was {$4900.00} in XXXX was a balance of around {$500.00}, they applied the deferred interest of more of {$1500.00}. When I called The first time to Wells Fargo I did not realize about this issue with their system, worry about this situation I was trying to move this debt into another account due the high interest they also applied 28 %. As always taking care of my finances. But it is when I realized " why '' the total debt was not paid " On time '' so the representative admited she could see I was making " those unsuccessful additional payments '' due to their system and admited it was their fault. So she reduced the debt saying that was all her system let her do, I ended paying around {$800.00} just for the " deferred interest '' Is it not fair.

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 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: MI

Complaint narrative:
I made an extra payment to pay off the balance of a loan within an account of XXXX separate loans. I was current with my monthly payments and was explicit that I wanted to payoff that specific loan within the account. Although the student loan company, My Great Lakes, applied the extra payment as another regular payment monthly payment that went towards interest and prinocipal of the XXXX different loans in the acccount. So now I the loan that I wanted to pay off In full still has a balance and is accruing interest. Also, the monthly payment that was scheduled for XX/XX/XXXX is currently still " processing '' and therefore accruing interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
7 times since XX/XX/XXXX we have been told by Navient that we either had past due amounts or additional fees due. Each time we call Navient to settle these issues we reach the XXXX where they barely speak English and have little idea what the left hand in XXXX, PA is doing. What we do know is that in XXXX XXXX, PA they intentionally mis-apply the money we send to them so they can tack on late fees and past due amounts. Then we get a letter from Navient that states we have a past due amount of {$110.00}. Every time we call Navient they tell us somebody has mis applied the money we specifically ear mark for each account. We put the account numbers on the two checks we send in each month and then we send in a typed form with the account number, the amount of money still owed on that account, the interest rate being charged, the monthly amount to be paid, and finally the check number to subtract the monthly amount from. Yet 7 out of 12 months they harass us with past due amounts. We can never find out who the somebody is that is responsible for not being able to read what is sent them. It is simply a case of greed, fraud & trying to get more than they deserve. The CEO needs to take responsibility for a corrupt and evil company. The last I knew the CEO of XXXX made 4.6 million dollars a year doing the exact same thing as Navient and XXXX. Why so much money for ripping American 's off???

Company response to consumer: Closed with explanation