vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I called this company numerous times in the last 2 years. I contacted the hospital they claim to represent, and the hospital stated that I have no debts to them at all, and any bills I had were paid in full and closed. I NEVER ONCE received any information from this company about this so-called debt, or I would have disputed years ago, back 6 or 7 years ago, they claim this first occurred. I only found out about this because my credit score went down, and I was shocked to see this on my report. Every other agency ( XXXX and XXXX ) have recently removed this debt, not only because it was not mine, it was also permanently removed because from what I was advised of because it " aged off '' so I am no longer legally tied to it, is what XXXX  and XXXX representatives explained to me. they stated that all other agencies should have it removed as well. When I advised the company of this nothing has been resolved, and they keep putting this closed acct on my credit report, which legally should have never been put on my report in the first place. I have gone to the police department to file a fraud report as recommended by TransUnion to go along with my dispute. I just want this company to remove this off of ALL MY CREDIT BUREAU REPORTS and leave me alone. And stop trying to illegally get money on something that has nothing to do with me at all. I pay all my bills, all bills with hospitals I had to attend have been closed and paid off for years. I am beyond sick of this with this company. Their attempts of bullying and threatening me to paying a debt that is not mine is illegal. They have tried threatening me with continuing to ruin my credit by refusing to remove their information even though I advised them it is not accurate, the agent claimed she could have a " deadbeat like me arrested '' if you look at my credit report ALL MY BILLS ARE PAID ON TIME, I NEVER MISS A PAYMENT!!! She claims if I just gave the money, they would go away. This is illegal, I want them removed from my credit report IMMEDIATLEY!!

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 2020-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The credit card account ending in XXXX was opened in XXXX. The balance remaining was less {$150.00} on a {$250.00} credit limit. 
All of the payments were paid on time. A Chapter XXXX was filed the U.S. District court in XX/XX/XXXX and this debt was included. The trustee sent all payments to Capital one and left a XXXX balance on the small debt initially owed. The case was discharged in XX/XX/XXXX owing no debt to Capital One. Last year, a past due amount reappeared and I contacted Capital One, they pulled the bankruptcy findings and corrected the debt as they should have. 
A year later, Capital One has decided to re-collect in debt not owed using unfair and deceptive practices. After speaking to a rude XXXX, ID Operator number, XXXX, she stated they can keep this debt on 10 years even though although nothing is due. This debt is now over 8 years old and it was all satisfied in XXXX. No one at Capital One could explain last payments received by trustee or why this this collection reappear year after year. No one would escalate to a manager to get clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: FL

Complaint narrative:
I recently looked over my credit report and I noticed some inaccurate accounts that are reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of those accounts. I also have no understanding of how or who could have access to my credit. Now because of this issue, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have these derogatory accounts removed from my credit 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 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
THIS INFORMATION REPORTING IS UNKNOWN I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES YET THEY ARE ON MY CREDIT REPORT FROM XXXX XXXX EACH COMPANY REFUSED TO RELEASE MY CREDIT REPORT. THEN I HAVE MEDICAL BILLS ON MY REPORT AS WELL MY BANKRUPTCY STILL SHOWS AFTER I HAVE REQUESTED TO REMOVE IT AND ACCOUNTS LIKE XXXX XXXX KEEP REAPPEARING AFTER THEY WHERE INCLUDED IN THE BANKRUPTCY. THESE OTHER ACCOUNTS LISTED BELOW ARE UNKNOWN TO ME XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IS CHARGED OFF AND SOLD 3RD PARTY AND IT WAS IN MY BANKRUPTCY TOO MERCHANT XXXX XXXX XXXX XXXX XXXX I REQUEST THAT MY BANKRUPTCY 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 2020-02-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Strange account appearing on my credit report. 
XXXX XXXX XXXX XXXX Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to your report. The collection  agency is XXXX XXXX XXXX. The original creditor was XXXX XXXX XXXX XXXX XXXX. 
Amount {$160.00} This information has just shown up on my Trans Union credit report. This account belongs to someone else! As per the fair credit report, i placed a security freeze on my credit reports last year because i have random accounts that appear on my credit report that are NOT mine! I have had to obtain an attorney for XXXX  for one account, and i do not want to obtain one for this random account that never belonged to me. Please remove this account as it's defaming my name and credit report. Since the breach of the credit bureaus in XXXX, my PERSONAL INFO has been stolen, this is unfair to me as a good citizen whom pays their bills. Please remove.

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 2020-02-07 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: MS

Complaint narrative:
I been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

TN CHILD SUPPORT 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 2020-02-07 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: MS

Complaint narrative:
I been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

TN CHILD SUPPORT 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 2020-02-07 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: AZ

Complaint narrative:
It is pretty much impossible to dispute a wrong information in Experian credit file. My date of birth is incorrect in my experian credit report. I submitted the dispute and reported the problem and today the result of the dispute did nothing. 

I would love to know what is the point of having the ability to dispute something if there no resolution to the issue. Extremely frustrated. According to investigation Experian went through, I was born in a different year lol. Such a incompetent company. 

As simple as verify my information in one of the other 2 bureaus and they could quickly realize of the mistake, but instead they decided to do nothing about it. 

The best thing, good luck if you try to talk to a representative over the phone, literally impossible since their customer service number ( at least the one published ) will only let you talk to a robot with no possible way to have access to a human representative. 

My question is, how do we get this fixed Experian? Should I give up and leave the wrong year of birth on my credit report? 

Please do your job and get my year of birth fixed.

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 2020-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
Sometime in XX/XX/2020 I recieved an advertising from Calibur Home Loans to refinance my VA loan because of some special from the Govt. I finally contacted them and spoke to a XXXX XXXX from Calibur Home Loans. Gave her all the information they requested, including my social. I advised Ms XXXX that my present rate was 3.75 %. I assumed everything was in order and we were ready to get the loan. The next day she informed me that the VA required that the interst rate had to be 5 % lower then 3.75 in order for me to get the loan. On XX/XX/2020 I recieved a packet from Ms XXXX. When I opened the package, and reading the letterhead i assumed they were going to help me because in one of the paragraphs it tells me if I intend to move forward with the loan I needed to sign the disclosures and to return them at my earliest convenience. I then began to check the application itself. In the application it shows that they are offering me a 2.875 % rate for a {$290000.00} loan. I had assumed the interest rate when down and they were offering me the loan. I immediatly called Ms XXXX and asked her about the package sent me. she then advised she was looking up my information. I then told her about the 2.875 interest rate that was printed on my application by them. She then advised me she would call me back after she spoke with her manager. She never called back and I finally called her back and she said that her manager said I did not lock this interest date before 60 days. I explained to her that is not what the paperwork says in my application. the letterhead was dated XX/XX/2020, In the multi-state interest rate lock/float someone checked the box that says I do not want interest rate lock in at this time. This same form is dated XX/XX/2020 not even 30 days and how could I have checked this box when I just recieved this packet on XX/XX/2020. Somehting is wrong. Ms XXXX at first stated that the VA would not honor the loan because it would not help me much. A 2.875 % loan would help me a lot from 3.75 interest.She was not being truthful on the VA response. They reached out to me. I have proof that they were going to give me a 2.875 interest rate loan. I thought Calibur helps Veterans. they sent me an agreement and did not honor it. A 2.875 % loan. Maybe because I am retired and a senior citizen and worried about their loan. The United States Govt. honors our loans. I passed everything, credit check, financial check and whatever else they required. Now they are saying they can not honor this contract because the offer was over 60 days. I tried so hard to reach out to Calibur CEO, XXXX XXXX, but kept on getting the run around. I wanted to try and resolve my issue before taking further steps,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: FL

Complaint narrative:
I recently looked over my credit report and I noticed some inaccurate accounts that are reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of those accounts. I also have no understanding of how or who could have access to my credit. Now because of this issue, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have these derogatory accounts removed from my credit 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 2020-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently learned that my personal information was used to open an accounts. I did not open or authorize this account, and I therefore request that it be closed immediately. I am a victim of identity theft, and did not make the charge [ s ]. I am requesting that the items be blocked to correct my credit report. TRANSUNION DO NOT WANT TO REMOVE THEM I GAVE TRANSUNION A XXXX POLICE REPORT AND TRANSUNION STILL DON'T REMOVE THEM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Opened : XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Opened : XX/XX/XXXX {$1200.00} XXXX / XXXX Opened : XX/XX/XXXX {$9100.00} XXXX XXXX XXXX   Opened : XX/XX/XXXX {$1200.00} XXXX XXXX XXXX. XXXX  XXXX XXXX, OR XXXX XXXX Opened : XX/XX/XXXX {$0.00}

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 2020-02-07 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: FL

Complaint narrative:
I recently looked over my credit report and I noticed some inaccurate accounts that are reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of those accounts. I also have no understanding of how or who could have access to my credit. Now because of this issue, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have these derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Southwest Stage Funding
State: TN

Complaint narrative:
On XXXX XX/XX/2020 I attempted to make my normal monthly mortgage payment through the lender web portal with XXXX XXXX XXXX Southwest Stage Funding , LLC. The payment came back " denied by bank. ". I called my bank and explained the problem but they assured me the problem wasn't on their end and there didn't seem to be any issues with my account. I called the lender back and explained this however they said they could not fix it since now my account had a block on it due to attempting to make repeated payments. They also said that they were showing invalid account number on their end which is bull because I had just spoken with my bank prior to calling them to make sure I was inputting the correct ACH info ... which was saved anyhow under my XXXX  XXXX profile and had been for over six months. They then said that they would have to mail me a form to fill out to unblock my account and that I would need to mail them a check or other form of payment since they don't accept debit cards. I was pretty angry but did as instructed. I had a cashier 's check for {$930.00} drawn up at my credit union and then sent it certified mail to the address Southwest Stage Funding gave me. This was done at XXXX on XXXX XX/XX/2020. It also cost me {$28.00} to send it two day Certified Mail. I called them as soon as I got home to request that they call me as soon as they receive and process it. It is now XXXX XX/XX/2020 and as of this afternoon, they are saying they still don't have it. The only reason I think that they are screwing with me is because I have an open refinance loan with a different lender at a much lower interest rate and monthly payment. I think they are giving me the run around on purpose. Something needs to be done ASAP. My payment has never been late and the same account info that is saved on their web portal is the same account info I have been paying with for the last six months without issue, on time. My payment will officially be late as of XXXX XX/XX/2020 and will incur a large late fee and a potential credit score hit all for  something that isn't my fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-07 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX # XXXX is reporting an invalid late on my account. I paid this account in full and was never informed via anything that there was a residual balance of {$4.00}. This caused me to get a late on my account when I have never been late before and had paid this off entirely. I should not have this late, I was not informed of a remaining balance, I did not receive any notice that I was going to get a late. This late is invalid and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX  # XXXX is reporting an invalid late on my account. I paid this account in full and was never informed via anything that there was a residual balance of {$4.00}. This caused me to get a late on my account when I have never been late before and had paid this off entirely. I should not have this late, I was not informed of a remaining balance, I did not receive any notice that I was going to get a late. This late is invalid and 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 2020-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX  # XXXX is reporting an invalid late on my account. I paid this account in full and was never informed via anything that there was a residual balance of {$4.00}. This caused me to get a late on my account when I have never been late before and had paid this off entirely. I should not have this late, I was not informed of a remaining balance, I did not receive any notice that I was going to get a late. This late is invalid and 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 2020-02-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
IN XX/XX/XXXX A PERSON WAS SENT TO VERIFY MY ADDRESS AT XXXX XXXX XXXX, XXXX, NJ XXXX. THE PERSON, XXXX XXXX, WAS HIRED BY AN ATTORNEY, XXXX XXXX TO MAKE THIS VERIFICATION DUE TO A DELINQUENT MORTGAGE ON XXXX XXXX XXXX, XXXX, NJ XXXX. 
THE MORTGAGE COMPANY WAS OCWEN LOAN SERVICING WHICH HAS NOW BECOME PHH. 

MY RESIDENTIAL ADDRESS OF XXXX XXXX XXXX, XXXX, NJ XXXX HAS NEVER BEEN QUESTIONABLE. ALL MAIL SINCE THE MORTGAGE ORIGINATION IN XX/XX/XXXXHAS BEEN SENT TO THE RESIDENTIAL ADDRESS. 

MR. XXXX XXXX TOLD XXXX XXXX THAT HE CAME TO THE RESIDENTIAL ADDRESS OF XXXX XXXX XXXX, XXXX, NJ XXXX AND FOUND THAT IT WAS AN ABANDONED BUILDING THAT HAD BEEN FORECLOSED ON. TOTALLY FALSE. 

AN APPEAL WAS MADE TO MR. XXXX XXXX AND TO THEIR LAW FIRM TO REMOVE THIS FALSE INFORMATION. THE LAW FIRM IS XXXX XXXX XXXX WHICH IS THE LAW FIRM REPRESENTING PHH. 

I AM NOW APPEALING TO CFPB FOR AIDE IN CORRECTING THIS FALSE INFORMATION. 

THE HOUSE IN QUESTION IS A RENTAL AND HAS ALWAYS BEEN A RENTAL. 
LANDLORD LICENCES HAVE BEEN ACTIVE SINCE XX/XX/XXXX WITH THE CITY OF XXXX. I HAVE NEVER LIVED THERE.

Company response to consumer: Closed with explanation