vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc
State: WA

Complaint narrative:
PSC has not sent me my HIPAA release that I have signed. 


They also haven't successfully validated the services I supposedly received. Instead, they told me to call the hospital I supposedly received services at. Unfortunately, I am unaware of a debt that I owe to said hospital. It is Puget Sound Collections responsibility to validate the information they are reporting on my credit report, not mine. 

I intend to follow suit if they can not provide my HIPAA release and actually the following information within 30 days : 1. Provide my signed and dated HIPAA release stating that 3rd parties may collect on my supposed debt. 
2. Provide proof that I received a service. 
3. Provide services I am being charged for. 
4. What the cost of each service is that I am being charged for. 

This company claims they have validated the debt, but they have not. They sent me basic information that can not be proved as 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 explanation
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$4100.00} XXXX  XXXX {$3000.00} XXXX  XXXX {$5400.00} XXXX  XXXX {$3700.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX  XXXX {$3000.00} XXXX-XXXX  XXXX  XXXX {$13000.00} XXXX XXXX {$130.00} XXXX  XXXX {$9300.00} XXXX  XXXX  XXXX {$250.00} XXXX XXXX {$850.00} XXXX XXXX XXXX {$830.00}

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 2020-08-03 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$4100.00} XXXX  XXXX {$3000.00} XXXX  XXXX {$5400.00} XXXX  XXXX {$3700.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX  XXXX {$3000.00} XXXX-XXXX  XXXX  XXXX {$13000.00} XXXX XXXX {$130.00} XXXX  XXXX {$9300.00} XXXX  XXXX  XXXX {$250.00} XXXX XXXX {$850.00} XXXX XXXX XXXX {$830.00}

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 2020-08-03 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: AR

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Unable to open new account for SSI beneficiary XX/XX/2020. Literally all branches in zip XXXX were closed to branch traffic. This violates Federal Banking Regulations that protect consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX contacted me today and left me a voicemail ( attached to this complaint '' stating the following. This is civil claims processor XXXX here with the county. We're calling in regards to a requested summons that was issued this morning from the department of check and arbitration. They have requested that we do have you served between 24 to 48 hours at your residence or place of employment. If you would like to resolve this matter on voluntary terms, you need to speak with the plaintiff immediately at XXXX XXXX XXXX XXXX. If they do end up granting you an adjournment and you resolve the matter voluntarily, make sure they fax us over the stand down order. We need that legal document as soon as possible. If we do not receive that legal documentation, make yourself available. Thank you. Good luck. And you have officially been notified. : This is a total violation of the fair debt collections practices act 1692 d Any conduct the natural consequence of which is to harass, oppress, or abuse any person 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken 1692 e ( 15 ) Documents are not legal process forms or do not require action by the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX {$4200.00}

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 2020-08-03 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: AR

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX {$4200.00}

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 2020-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
e tried to call to get help as my son make XXXX $ an hour and is only part time due to covid. we tried to call to get extra help but kept getting hung up on. I found out a number calling me was them but every time i answered for 3 weeks they hung up. So i stopped answering now they blow up my phone leaving messages everyday but will not answer employee XXXX. if I answer this is harassment. My son has XXXX XXXX and XXXX  and has a hard time understanding the loan so I help him ans Sallie Mae  acts like they can not hear you after you ask for a manager. I said since you can hear me people need to talk when they call my phone that is how help is not of we called they didn't answer oh well that Sallie Mae trying to play games. This is not fair for a young man who is having a hard time. There customer service XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently sent some letters almost two months ago to the credit bureaus and they are disregarding a regular consumer dispute. I have been sending letters before this and i still have not received no response. 

Today is XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from credit cards such as XXXX XXXX, XXXX ;  which im not even sure what or who that is etc have been added to my profile. Again, please help me get this matter under control. 

.

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 2020-08-03 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from XXXX of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 2020-08-03 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 2020-08-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: OK

Complaint narrative:
I made a dispute for transactions that were unauthorized .i was told that i could get a provisional credit if i submitted paper work in 10 days .. I decided to wait the 45 days for my dispute to get approved .. They refunded the money and i thought that was it .. Then 2 days ago right before my direct deposit hit my account they reversed the credit therefore putting me in the negative over the amount of my dd.. I called numerous times was hung up on twice stayed on hold for more then 4 hours to get issue fixed and never got the issue resolved so i asked to have a manager call me but they never did .. The wait times are rediculous and i have a XXXX dependant at home and i needed the money from my dd to hit .. Then i stayed at XXXX XXXX  and signed a paper for a XXXX dollar incidental fee and when arriving at motel asked for a room with fridge .. The room the manager said she would put me in a buisness room and upon getting grocerys the next morning realized there was mo fridge and other items.. When i checked out nothing was said and then waytogo let them overdraft my account XXXX dollars because hotel said items were in room which was not the case and the paper i signed was for XXXX not XXXX ..i called and finally got to do a dispute after hours of being on hold and inquired why it is my account. Could be negative that much when its prepaid and was told that if money is in account then they could overdraft amount that company charges for .. Then i read terms and conditions and it said that there is no overdraft so now its monday and bills are due and cant pay them or by things for my dependant .ive called 4 or 5 times and waited on hold more then 3 hours only to be hung up on .. I need the money to he put back so i can feed my household .. They also charge XXXX cents for every balance inquiry but dont have a choice to skip the balance inquiry .. Plz refund my money and also like to know how i can switch my unemployment to my own bank .. I also cant change my address so mail is getting shioped to wrong address .. But is current with unemployment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: VA

Complaint narrative:
I was charged twice by a company I purchased goods from. 1 of the charges was listed as " pending '' on the day I made the purchase XXXX. The other charge that was shown as " completed '' was dated XXXX. Both were from the same amount XXXX Both amounts were deducted from my card account. The company I purchased from told me they only charged and collected 1 time. The pending charged stayed on my ledger for nearly a month. I attempted to call the card company XXXX at XXXX. Could never get though to file a fraud claim or resolve the issue. No automated option would get me a person. All options eventually lead to me being disconnected. 
Now the pending charge is gone. But the 2nd XXXX amount has not been credited back. 
I called the Parent company of Way2Go / XXXX which is Conduent. At XXXX and the person that answered ( XXXX ) would not help. Asked XXXX for her supervisor. Was told she was in a meeting and couldn't be disturbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
The purpose of this complaint is to express extreme dissatisfaction with work of Barclays banks /Dispute department/XXXX XXXX XXXX XXXX and the decision they made in the above referenced case /dispute XXXX. We are going to attach all the correspondence related to this case for your review. 
In a few words- this case is very simple : it was much easier for your Dispute Department to award this case to the Merchant ( Hotel ), but that the reservation in question was cancelled due to natural disaster of world proportions, and as clients we should be protected by our credit card Agreement. 
For someone who would review our letter / map attached it will be easy to understand that it was physical impossible for us to fulfill our reservation obligations and get to the hotel. We predicted this situation a week in advance, but in fact on XX/XX/XXXX the whole area was on a lock down and that would make totally impossible for us to drive from the airport to the Hotel. 
That should be a sufficient reason for the Dispute Department to adjudicate this claim toward us, the clients who should be covered by the Credit Card Agreement. But, unfortunately, our claim was denied with erroneous recommendation to continue attempting to resolve this matter on our own For your information, that was the first thing we have done, we exchanged multiple emails with the Hotel, and never got even an offer to split the charges, or provide the credit. Only after the realization that we came to the dead end we decided to get the credit card involved. 
May be it was not clear back in XXXX, but it is clear now, that we live during the pandemic, and this is probably equal or worst to the natural disaster.. It is far from being over, and even now visitors from USA are  not accepted in XXXX. 
I strongly feel that this matter should be re-visited by Barclays management.

We attempted to contact Bank/ Dispute Department on a regular basis, few times a week. We have the names of almost all Customer Services representatives we spoke to. Unfortunately, all these people  are trained to give the same answers, but not able to access the computer, see if any of our documents, email or fax correspondence was received ... Even further, if we ask to speak to the Supervisor ( who might possibly have better access to the computer ), be ALWAYS are placed on hold, and get disconnected.

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 2020-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I have found SLS very difficult to work with. Applied for Loan Mod. in  XX/XX/XXXX, but they claimed they did not get it. Resubmitted all documents several times and finally new Loan Mod. granted and mailed out on XX/XX/XXXX. I signed and returned all paperwork and completed the 3-Trial payments, on-time, as of XX/XX/XXXX. I requested a LOWER Interest Rate and Monthly Payment Amount for the ne payment amount. However, SLS RAISED the Interest Rate from 3.75 % to 3.87 % and RAISED my monthly payment. I called SLS on this, on XX/XX/XXXX and spoke with " XXXX '', who stated, " These terms are non-negotiable. That's the only way we are able to approve the loan modification. '' XXXX refused to give me her ID #, so I had to call back on XX/XX/XXXX and get it. Teller ID # XXXXXXXX. Said she does not have an MLS #. I filed a Complaint on XX/XX/XXXX and SLS said they could not read it. I re-faxed the information, again, several times and resubmitted the CFPB Complaint. SLS has DONE NOTHING to correct these Complaint ISSUES. The CFPB has a Glitch in the system, which would NOT allow me to submit my complaint. I had to SAVE it to a File ; and then attach that File.

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 2020-08-03 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: AR

Complaint narrative:
I pulled my credit to myself for the first timE and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
I pulled my credit to myself for the first timE and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-08-03 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: AR

Complaint narrative:
I pulled my credit to myself for the first timE and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: TN

Complaint narrative:
My complaint is the amount of money in student loans they let me take out for my daughter. First I applied for the loans in my name only, but because I sent in my tax returns they used my husband 's income. We were recently out of bankruptcy and now looking back I should have not been allowed to acquire that amount in loans in my name. I was under the impression I was co-signing for my daughter. The interest rate is awful, and I asked since they used my husband 's income with out my knowledge and he is a veteran could we have the lower interest rate? And the answer was no.The loans are from XXXX - XXXX school years. Now I'm having a hard time getting a loan for repairs on my home and my debt to income ratio is bad. The point I'm making is that this was wrong from the start, I should not been able to get this amount in loans on my income right of bankruptcy. Loans are from Direct Loans and Great Lakes, the amount of the loans are now over {$60000.00}. What can be done at this point? 
Thank you for any help in this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Unable to verify or connect pnc account to other banking institutions

Company response to consumer: Closed with explanation