vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc
State: KS

Complaint narrative:
My homes mortgage is behind and I have tried to contact the company, Mid American Mortgage every day for weeks now and I can not get anyone to contact me back. I have sat on hold for hours but never get through to a person. I just need someone to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
All 5 of these derogatory " medical bills '' are either false, or they would've been paid by NC XXXX. During those years, I had dozens, maybe hundreds, of medical bills. But MIRACULOUSLY, only these few weren't paid by my XXXX. If you pull my medical records from this time, you will see all the hospital visits at XXXX XXXX in XXXX, NC. NC XXXX covered all of them. So, either they have been paid, or this is derogatory fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because I have no knowledge of such accounts. I did my research on what to do because this is really hurting my scores so bad even if I try my best to get a better scores. I asked for proofs yet nothing is provided to me. I am in a tight income and making ends meet. I came across a case vs Midland, Texas vs Midland. In that case I have learned that Midland claims to have a disclosure and an agreement that there is a consumer agreement for all who they are collecting from. I asure you that I did not conform to any of those agreements and I dont know it. Please have this deleted my file immediately. I want to start this year with a chance to fight for my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: CA

Complaint narrative:
I was alerted via Experian that XXXX XXXX had placed a collection out for an account with a balance of {$2300.00} that was opened in XX/XX/2019. I've never had any services with XXXX. I disputed this item with Experian to no avail. 
They provided an encrypted account number 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 2020-01-04 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
XXXX is reporting in my credit file however it is inaccurate because I have no knowledge of such accounts. I did my research on what to do because this is really hurting my scores so bad even if I try my best to get a better scores. I asked for proofs yet nothing is provided to me. I am in a tight income and making ends meet. I came across a case vs XXXX, Texas vs XXXX. In that case I have learned that XXXX claims to have a disclosure and an agreement that there is a consumer agreement for all who they are collecting from. I asure you that I did not conform to any of those agreements and I dont know it. Please have this deleted my file immediately. I want to start this year with a chance to fight for my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am fearful that Midland Credit Management ( " MCM '' ) is using deceptive practices. On XX/XX/XXXX I sent an affidavit of notice for demand of debt validation through certified mail. It was received and signed on XX/XX/XXXX. Yesterday, XX/XX/XXXX, I received from them a threatening pre legal notification. I have two concerns ; first, the letter is dated XX/XX/XXXX and came in an envelope that is not postmarked. Secondly, under the Fair Debt Collection Practices Act, when validation is requested the Collector must cease all activities ; including credit reporting after a validation request is sent. With this in mind, Midland Credit Management ( " MCM '' )  has violated this law. They have yet to respond to my affidavit of notice for demand of debt validation ; yet, sent a pre-legal notification letter -falsifying the date of the letter, while still in the 30 day validation period I allowed them. Their falsification of the date can appear as if it was sent prior to my affidavit of notice for demand of debt validation and I would like to go on record ... with proof that this is a direct violation of the Fair Debt Collection Practice Act and Defamation of Character as they are still reporting inaccurate information to the credit reporting agencies. I respectfully ask for assistance with this matter. Please see the attached proof of my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Hello, I have filed a complaint previously about CITI bank and the fraudulent charges that appeared on my account in XXXX and XX/XX/2019.CITI bank responded to this complaint stating that all fraudulent charges on my account would be cleared or refunded. Regardless of this statement CITI still trying to charge me for the same fraudulent charges that I clearly didnt make.I have started this dispute with CITI in XX/XX/2019, but CITI doesnt seem to be cooperating with my complaint and continuously restarting the dispute or claiming that they will complete some sort of audit. This had been done many times at this point and Im losing patience. I dont understand why I have to pay for the charges that I didnt make! This is clearly a robbery by a credit company whose security failed and now consumers have to deal with it. Once again, I am asking to clear all fraudulent charges on my account. I dont have any legitimate charges on this card because its a brand new card and all charges I have on it are fraudulent. I completely disappointed about the lack of professionalism from the CITI bank. I also have a perfect credit history and my reputation has been perfect with all of the credit companies including CITI. I have been a loyal customer with CITI for a long time as well and Im very displeased how Im being treated now. The fact that Im being charged for fraudulent charges goes against the federal laws such as Fair Credit Act.  Please help me to resolve this issue as soon as possible.

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 2020-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Applied Business Services, Inc.
State: SC

Complaint narrative:
I have tried for years, to tell all 5 of these derogatory medical " bills '', that NC XXXX would've paid these. They are all either false, or been paid in full by NC XXXX. And yet they still drag my name through the mud. It's kinda funny, that out of dozens or possibly hundreds of medical bills, these are the only 5, NC XXXX didn't pay for me. Ask XXXX hospital in XXXX, NC how many years I was covered by XXXX. I'm sure all of these are in the same time frames.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Requesting Equifax to provide physical documentation from their E-OCAR. How did you verify these debts from XXXX XXXX? How did you verify the payments and balance? None of this information is accurate. Please delete this from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Clarity Services
State: TX

Complaint narrative:
On or around XX/XX/2019. I received an alert from my credit monitoring that a new inquiry for a personal loan had been added to my report. I immediately disputed the fraudulent inquiry, the inquiry was made through Clarity Services INC. they are a low budget credit reporting agency operating out of XXXX, Florida. several people have tried fraudulently to open personal loans in my name using Clarity Services INC . The inquiry was removed through XXXX  the major credit reporting agency. I then attempted to place a freeze on my credit report with Clarity Services, INC. I followed the Clarity Services INC procedure to initiate a freeze by completing their SECURITY FREEZE REQUEST FORM and mailing it to Clarity Services , Inc. XXXX. XXXX XXXX XXXX, FL XXXX. They send me a letter stating that they need my full name, DOB and Social Security, all of which were provided to them on the credit freeze form they require you to use. I believe that Clarity Services is misusing consumer information and then making it impossible for someone to stop them by refusing or making difficult for consumers to place a permanent freeze on their own reports. I have also tried to resolve the issues with clarity services about the fraudulent inquiry but the telephone customer service representative refused to provide me with information, again showing how difficult it is to remediate fraudulent information with their company,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my Equifax credit reports, I noticed several discrepancies related to accounts opened and balances owed. I contacted Equifax on XX/XX/XXXX to open up a dispute on the balance reflecting on two accounts. The first, on my XXXX   XXXX XXXX XXXX XXXX, Equifax is reporting {$29000.00}. The second was for a XXXX XXXX XXXX XXXX loan that reflects open with a balance of {$340.00}. Equifax emailed me on XX/XX/XXXX stating that the investigation was complete, verified and accurate. This information is absolutely false, and a direct violation of my FCRA rights. I am unsure how Equifax can make false statements and claim they verified information in 2 days, with 1 of those days being a holiday. 

The balance on my auto loan as of XX/XX/XXXX is {$19000.00}. This is a {$10000.00} difference that is affecting my ability to get approved by lenders. The second account, the installment loan, has been paid to a {$0.00} balance and closed as of XX/XX/XXXX so for an entire year, Equifax has reported incorrect information and when it was brought to their attention, they failed to do a thorough investigation, which has caused incorrect information to continue to reflect on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
Ive tried calling this debt collector on multiple occasions to let them know I have already paid this debt and they have no cleared the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have an account with Experian for credit monitoring due to a past data breach. 

I also have my credit report Frozen with all three bureaus. 

Experian 's website for credit monitoring is highly misleading in that it indicates that my credit report is " unlocked '' - as if someone could access my frozen credit report. 

They are apparently showing this in an effort to scare their customers into using their unlock/lock credit service instead of managing access via a Freeze. 

Since my report is frozen, this indication of some type of access 'risk ' indicated on their website is misleading and false. 

Realizing that credit monitoring systems rely on their customer 's fears of fraud, it seems excessive that they would try to further scare their customers with a nonexistent risk. 

What can be done to get them to stop misleading their customers in this manner?

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 2020-01-04 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have a credit card on my XXXX XXXX and XXXX  credit reports from SYNCB/XXXX. I believe this is a paypal credit card however I do not have a PayPal credit card so this does not belong to me and it is showing a balance. 

The account says it was opened in 2015 but XXXX hadnt noticed it until now, the report balance on the card is XXXX. I dont want this account open in my name or to be associated with the balance, it is not 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 non-monetary relief
Consumer complaint received 2020-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I consistently have problems with Transunions website tool to freeze and unfreeze my credit file. This time they've locked my credit file based on their random questions ( they give you three when you call in ). First, I could barely understand the representative and after he spelled out the random question optional responses I was so focused on not understanding him I did not realize he gave me an option that wasn't the creditor but indeed the title company. Nobody knows the name of any company they get credit from except the brand through which they apply. These people should have there things tied AND since I have spoken to four people thus far, the latest which tells me the office I need to help me isn't open until Monday, none of which speaks english as a first language and is difficult for the untrained ear to cut through the accents. Transunion is the only company I have a consistent problem with and I've had to lift the freeze for a recent refinance and experience this clunky process. Even if I do not have my pin for the other two there is a simple way to recover because their websites work - they do not ask me questions, my social security number and birth date and then return a website response that states : " The TransUnion Credit Freeze Service is temporarily unavailable.

Please try again later. If you need immediate assistance, please contact our Consumer Relations team at XXXX, open Monday through Friday, XXXX a.m. to XXXX p.m. Eastern Standard Time. 

Then you call them at XXXX Friday evening and they are not on duty AND I have no way of requesting a new PIN mailed to me until I speak to that department rather than request online. Who manages these online process?

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 2020-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It is being reported by all 3 bureaus a charge off of {$240000.00} from XXXX XXXX XXXX. It is benig reported by XXXX and Equifax as a " charge off '' and that the account i question was closed XX/XX/XXXX yet months following there is no data until XX/XX/XXXX they state a last payment and XX/XX/XXXX a 1st deliquency. For years XXXX and XXXX they report " no data '' then pick up in XXXX CO which means charge off and have continued to present. 
I have submitted multiple disputes only to receive a message that the account has been verified and that it belongs to me. Well the problem I have is ; I have spoken to a XXXX XXXX XXXX representative from the number that is provided. They have NO record of me or the debt nor have they been reporting according to this representative the other day and have opened an investigation, report # XXXX. 
It is my opinion Equifax and XXXX are self reporting perhaps for personal gain, but it is now become noticeable this is harassment. I also disputed this information with XXXX and they have since " removed '' this from my credit report. 
This information is causing me financial harm and have been denied loans which I needed to purchase a home. Now they have changed this information to closed v/s charge off which from their description a " closed ' account can remain for 10 years v/s 7 years for a charge off bad debt, late payments. This has now reached the 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: OR

Complaint narrative:
I have a credit card on my trans union and XXXX  credit reports from XXXX. I believe this is a XXXX credit card however I do not have a XXXX credit card so this does not belong to me and it is showing a balance. 

The account says it was opened in 2015 but I hadnt noticed it until now, the report balance on the card is XXXX. I dont want this account open in my name or to be associated with the balance, it is not 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 2020-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Regional Management Corporation
State: OK

Complaint narrative:
I applied for a loan with this company for {$5000.00}. I made multiple payments and they didnt report them to the credit bureaus. I then fell into a situation where I was laid off and had the insurance where if I lost my job the loan would be paid off. I provided proof of this to them. Since then the have reported negatively charged it off and still continue to add interest each month to my account and pull my credit report without my permission. They have done this four times different months. I have tried to dispute this and they wont stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
I am in the middle of year 2 of my chapter XXXX. Flagstar purchased my mortgage from my original lender. My mortgage is being paid by my Chapter XXXX  Trustee. They have been doing this since the beginning of my Chapter XXXX.

Since flagstar purchas
ed my mortgage they have been sending me 2 notices a month ( both acknowledging my Chapter XXXX  ). One on available resources to change my payments, and the 2nd one an invoice for the delquency.

Today I received a certified letter stating that it an attempt to collect this debt. I still have 19 months before my discharge.

Is there anything I can do about this harassment? Flagstar bank is the only one of my creditors that is doing this.

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