vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-30 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: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
These accountst should not be on my credit report. XXXX has stated that they have verified the accuracy of the information by minimal confirmation. I do not owe these debts. there is one for {$30.00} with optimun outcome. 

There is an account with XXXX XXXX in the amount of XXXX showing the high credit limit of {$1000.00}. This item needs to be deleted because the contract has been terminated and the account that has been transfered or sold has been resolved. I am no longer tied to this alleged debt and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
These accountst should not be on my credit report. XXXX has stated that they have verified the accuracy of the information by minimal confirmation. I do not owe these debts. there is one for {$30.00} with XXXX XXXX. 

There is an account with Syncb/Care Credit in the amount of XXXX showing the high credit limit of {$1000.00}. This item needs to be deleted because the contract has been terminated and the account that has been transfered or sold has been resolved. I am no longer tied to this alleged debt and it needs to be removed.

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 2018-06-30 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:
On XX/XX/XXXX I wrote a letter to Experian expressing that I noticed a charged off account ( account # XXXX from XXXX XXXX XXXX ) on my credit report for the amount of {$1800.00} and that I would like for them to validate the debt and provide proof that I owe such a debt with a contract bearing my signature. They responded with a letter on XX/XX/2018 saying the debt was validated with the company and refer to my personal credit report I received for the name and address and phone number of the credit grantor who verified the information. Prior to writing Experian I disputed this issue numerous times with the company who reported this and asked them for this same information and they sent an itemized bill exposing my personal health information but never stating the procedure utilized to obtain my personal health information and how I owed them. I wrote them another certified letter on XX/XX/2018 stating that the procedure they used is requested and that I wanted to see a contractual agreement bearing my signature showing I owed XXXX XXXX XXXX. They responded on XX/XX/2018 but with none of the requested information. If the company or credit bureau can't show proof that I owe them a debt then this account should be deleted

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 2018-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: IL

Complaint narrative:
Received letter from Penn Credit on XX/XX/XXXX about a delinquent XXXX bill originating in XXXX XXXX, FL. It is impossible for me to have been charged for this service as I was going to school full time in XXXX XXXX, FL on the date in question ( XX/XX/XXXX ). Also, I have never received any mail prior to this point regarding any debt concerning an XXXX bill. I will be contacting Penn Credit tomorrow to request documentation on the debt. 

On a minor note, I find it questionable that the hours listed on the bill I was sent do not match the hours listed for the company online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have a student loan account with Navient.navient is now commiting fraudulent reporting on my credit report.I have been making regular monthly of {$100.00} since XX/XX/XXXX.I didnt make a payment XX/XX/XXXX because for the fraudulent and inaccurate reporting. The took my payments for XX/XX/XXXX and applied only to one loan XXXX which is {$15.00} a month.Where where payments for XXXX XXXX XXXX applied to.Now my XXXX payments of & XXXX were not applied to any of my accounts.If this were any other business I would have every right to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Gerald E Moore & Associates, PC
State: OH

Complaint narrative:
Brett Borlands office continues to communicate with me about a debt that they are trying to collect on after being told to cease communication with me since they are the second collector on this debt. XXXX XXXX XXXX is also collecting on this debt ACTIVELY as noted before, per their response on XX/XX/2018 via the CFPB. Ive also asked numerous times for a MOVE IN statement which conviently they wont produce, as XXXX is well aware that their residences are filthy and they pend previous damage on unsuspecting tenants as lawsuits and reviews are public to expose. However, I will have my attorney in contact with all three parties to determine what is legally acceptable after reviewing. I do know as of XX/XX/2018, neither of your agencies are licensed and bonded and authorize to collect on debt in Ohio, which are required per state law, which puts you in violation. Thank You and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 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: GA

Complaint narrative:
On XX/XX/2018, I submitted a copy of a police report to Equifax which stated that the information on my credit file was not my information. Equifax is reporting someone else 's CLOSED reports on my file in addition to collection agency that is reporting a fraud account as well. I contacted Equifax HOWEVER they explained that they verified and updated the incorrect information without a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AR

Complaint narrative:
My Perkins loan ( under my maiden name XXXX XXXX ) just got moved to XXXX XXXX in XX/XX/XXXX. I am and have been a XXXX XXXX   XXXX since XX/XX/XXXX and my loan is supposed to be forgiven because of this. 

I have filed paperwork 4 times and made at least 3 phone calls to Heartland since XX/XX/XXXX. They always reject my paperwork and have made it impossible to get my cancellation and deferment. 

I continue to get bills and continue to file paperwork. Everytime I call and ask why I'm getting a bill they find some problem with my paperwork the previous person I spoke with did not tell me. 

I have a XXXX XXXX and am moving right now. I do not need bills coming that I do not have to pay. I'm holding up my end of the deal but XXXX XXXX is not. I never had this problem with my last loan servicer. I just want my loan to be forgiven as promised to me when I made the decision to accept it from the government. I never wanted to work with Heartland and would like this to end now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In XX/XX/2018, I disputed XXXX XXXX XXXX  inaccurate credit reporting of 8 missed payments. Equifax notified ne that a dispute I sent by mail was suspicious. I was informed that my dispute was not going to be processed because that that reason unlezs I submitted XXXX forms, ID, paystubs etc. I submitted my full social security number, address, birthday, companiy information etc. This is unfair and I am only exercising my right to dispute by mail. This is why I can not get any results to the fraudulent inaccurate reporting of debt on my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
XXXX XXXX office continues to communicate with me about a debt that they are trying to collect on after being told to cease communication with me since they are the second collector on this debt. National Credit Systems is  also collecting on this debt ACTIVELY as noted before, per their response on XX/XX/2018 via the CFPB. Ive also asked numerous times for a MOVE IN statement which conviently they wont produce, as XXXX is well aware that their residences are filthy and they pend previous damage on unsuspecting tenants as lawsuits and reviews are public to expose. However, I will have my attorney in contact with all three parties to determine what is legally acceptable after reviewing. I do know as of XX/XX/2018, neither of your agencies are licensed and bonded and authorize to collect on debt in Ohio, which are required per state law, which puts you in violation. Thank You and XXXX Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Ive been to an establishment here in XXXX Hawaii several times where the person charging the card has either intentionally over-charged or made a mistake. I notify my credit card company ( Citibank ) of the over charges and they have all but these last two times stopped the payments. The payments total {$4500.00} dollars from the dates of XX/XX/XXXX and XX/XX/XXXX. I spoke with a representative twice who said they are investigating but the charges have not been removed after 2 weeks now.

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 2018-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I purchased a pair of headphones for XXXX $ I received a message that the item was out of stock and i would receive a refund in 10 to 21 days.I waited the days out and went to the domain of the page and it was compleatly deleted.No refund and no item.The business name was, XXXX.A provider on 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 2018-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My checking account was closed on XX/XX/XXXX with a negative {$950.00}. i was a victim of a scam which left me at a negative {$320.00} on XX/XX/XXXX. the bank wants me to pay all kinds of overdrafts and fees.

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 2018-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA

Complaint narrative:
I sent XXXX dollars through money gram to a family member on XX/XX/XXXX. My brother went to XXXX XXXX in XXXX the following day and they said they had no money there for him. He went back again on XX/XX/XXXX after I called Money Gram and they still said there was no money available. I spoke to the XXXX XXXX manager in XXXX and they said there was no money. Money Gram told me to call every four days so I called about four times and they kept on saying to send my brother back to get the money and that it had already been recieved. Then they told me that they would do an investigation that would take 4-90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: VA

Complaint narrative:
Netspend prepaid cards, they have many XXXX XXXX, XXXX XXXX, XXXX, seversl others. As we all know it is Netspends and others job to fund your card, hence the name PRE-paid. Ive called several times, they say no thats not how it works. Will charge you for not using the card. Just a pkoy for ne and others to drain funds

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 2018-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Called me about 3 weeks ago from XXXX XXXX saying I owed a debt and that if I dont work something out with them right this second while on that call they where going to serve me papers and sue me. I never heard of the debt they say I owe and knew nothing about it. I asked for them to send me a letter to My address. I have never received any letter. And now its on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 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: MO

Complaint narrative:
My identity has been compromised by theft awhile ago, the after effect still has me compromising with the credit agencies. It's my believe the credit reporting agencies should physically verify any information that report and pass that same information by way of physical documentation to the consumer, if not then the accounts should be blocked permanently and instantly. The following inquiries needs to be blocked from my credit report someone obviously used me information. The following inquiries are XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ),  XXXX ( XX/XX/XXXX ). In addition the following accounts also need to be blocked for the same reason, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/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 2018-06-30 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: MO

Complaint narrative:
My identity has been compromised by theft awhile ago, the after effect still has me compromising with the credit agencies. It's my believe the credit reporting agencies should physically verify any information that report and pass that same information by way of physical documentation to the consumer, if not then the accounts should be blocked permanently and instantly. The following inquiries needs to be blocked from my credit report someone obviously used me information. The following inquiries are XXXX   ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). In addition the following accounts also need to be blocked for the same reason, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX   ( XX/XX/XXXX ) ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 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: MO

Complaint narrative:
My identity has been compromised by theft awhile ago, the after effect still has me compromising with the credit agencies. It's my believe the credit reporting agencies should physically verify any information that report and pass that same information by way of physical documentation to the consumer, if not then the accounts should be blocked permanently and instantly. The following inquiries needs to be blocked from my credit report someone obviously used me information. The following inquiries are XXXX   ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). In addition the following accounts also need to be blocked for the same reason, XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX   ( XX/XX/XXXX ) ( XX/XX/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 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Attached is my ID, all other addresses on my report should be blocked for they are not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Attached is my ID, all other addresses on my report should be blocked for they are not mines.

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 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Attached is my ID, all other addresses on my report should be blocked for they are not mines.

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 2018-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
Paid debt in XX/XX/XXXX to companies alleged debt. No reporting to the credit bureaus had occured at that time and the old account had a XXXX balance. Comoany has now reported debt on XX/XX/XXXX as a new unpaid debt do the same account which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 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 — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
XXXX XXXX XXXX continuously failed to report payments made on time to XXXX, however they will promptly report a late payment. 

This is the second time I have had this issue with them. 

They either need to report monthly or remove my account from the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX continuously failed to report payments made on time to Equifax, however they will promptly report a late payment. 

This is the second time I have had this issue with them. 

They either need to report monthly or remove my account from the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 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: PA

Complaint narrative:
Report # XXXX states an incorrect social security number ending in XXXX and remove telephone numbers XXXX and XXXX and incorrect name XXXX XXXX XXXX. My name does not carry middle initial.

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 2018-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
XXXX-18 My credit history is incorrectly showing two unpaid medical bills still owed to collections company " Financial Accounts Services ''.

Amount # 1 : {$4100.00} Amount # 2 : {$280.00} These medical expenses were confirmed as settled.

Company response to consumer: Closed with explanation