vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-12 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: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
I used my credit card to reserve a hotel for a weekend trip to Puerto Rico for  spring weekend as a honey moon trip. XXXX {$90.00} to reserve XXXX {$120.00} was charge the pm we got to the place On XXXX/XXXX/XXXX around XXXX we got to the " hotel '' for check in and a guy met us at XXXX to help us find the place. The place was a dump and the area was scary, I felt so bad but grab keys and left to our tour of that day. We got to the hotel at XXXX and to our surprised that we did not get the gate keys so could not get in the room. Had to wait until after XXXX for the guy that checked us in to open the door. I was SO mad at that point that I told him we were leaving the next XXXX and where to leave his keys. He said on the table. At XXXX I wrote a written notice plus sent him a text, we contacted a friend of a friend and the remaining of the weekend slept on an air mattress. The advertising for this place is deceiving and I took pictures to show how horrible it really is and on top of that to have to stay on the street unable to go inside the room it is unacceptable. My credit card company denied the dispute because I did not cancel 2 weeks prior, which makes no sense since I was planning on staying on the hotel but due to the circumstances were forced to leave. This company, ( Hotel ) has the history of doing the same thing because I found customer reviews after the fact. The credit card company did not protect my rights as a consumer and I feel ripped off having to pay for a place that first of all, I left. That made my honey moon a horrible experience and now we have to do something else later on and did not use.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tormey Bewley Corporation
State: NM

Complaint narrative:
I was never aware of the problem or medical bill. The clinic never attempted to reach out to me in terms of paying for any owed premiums. I do n't even know which clinic or facility it was since it was 3 years and 2 months ago. I paid any medical fees in the past out of pocket when I did not have insurance, and used my insurance when I was covered.   Please help me remove this charge off of my credit history. It is false and the amount is far from accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AAA Collections
State: NE

Complaint narrative:
I received a call on XXXX at XXXX XXXX. It showed on my caller ID as spam but I answered it in error. The lady asked if this was XXXX I said yes but she would have to contact me after XXXX. Without verifying who I was, she violated the FDCPA and TCPA. She did n't let me know the call was being recorded, and she did n't verify who she was speaking with prior to disclosing a debt. She also did n't give the mini-Miranda. She continued to harass me and tell me this was not the way to handle a debt. All of this happened while i was at work. I disconnected the call and called back at XXXX XXXX. A woman answered and again violated the TCPA by not letting me know the call was being recorded. I requested a supervisor, who also violated the TCPA by not letting me know the call was being recorded and also violated the FDCPA by not reading the mini-Miranda. She then told me the calls were recorded and that she would deal with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My birth date is wrong on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brelvis Consulting, LLC
State: NY

Complaint narrative:
Today on  XXXX   XXXX ,  XXXX  I used  XXXX   XXXX  app to view my credit on  XXXX   XXXX  report. I discovered I had some negative action from missed payments t o Dept of Ed for s tudent loans. I contacted the phone number provided t o Dept of Ed on   XXXX   XXXX   XXXX  and was ask for my social, dob, email, etc. To access my student aid account. The rep pulled up all my student debt info and then tried to convince me to apply for forgiveness. Once she offered to have {$4000.00} removed as forgiveness from my loan I ask why we had n't addressed the matter for my call about the  XXXX  negative actions on my report. At that time I felt her response was dancing around the question and asked if they were in fact a government entity with DOE. She stated they were and the company is calle d Student Loan Help Center.  While on the call I searched them on  XXXX  and realized this was a scam.  <P/> Not sure how this company received my call or has their number listed for DOE with  XXXX   XXXX .  <P/> I 'm filing this complaint because the took my personal info and I 'm worried they will attempt to use it. Also, I would like to understand why their phone number is the one provided for the DOE with  XXXX   XXXX , they misguide you to believe you are speaking with DOE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX my Equifax credit report was showing my current installment loan with XXXX XXXX XXXX and XXXX XXXX credit card which are all in good standing. My credit score was listed as XXXX which really is n't good but this was another issue that I previously filed a complaint on. On XX/XX/XXXX my Equifax report was no-longer showing my current installment loan with XXXX XXXX XXXX and XXXX XXXX credit card. My Credit score has again dropped to XXXX which is getting worse than better. I reached out to Equifax regarding this issue and the response from them was that I need a Credit specialist. So I did meeting with a credit specialist at XXXX XXXX. He couldnt understand why this issue was taking place. I took it upon myself to contact XXXX XXXX XXXX and XXXX XXXX to inquire weather or not that they stopped reporting my history. There response from both companies were the same. They stated that they report to all three credit agencies and would not stop reporting either good or bad information. I am attaching correspondence from my conversations with both XXXX XXXX XXXX and XXXX XXXX. These issues that I 'm having with Equifax is not satisfactory in my book. My next step will need to be seeking Legal Council. All Im looking for is that my credit score be reflect my score of XXXX as it was in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: Diversified Consultants, Inc.
State: NC

Complaint narrative:
Sent certified mail on XXXX/XXXX/2017 to debt collector asking for proof that I owe the collection that is on my credit reports. The company signed for the documents on XXXX/XXXX/2017, in which I informed them that I had no contract with their company and the collection showing on XXXX XXXX and XXXX was not mine and is a fraudulent account. This company did not try to communicate with me via mail and reported to the credit bureaus without following the rules pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This should not have been put on my credit without any prior contact. I have attached the letter that was sent to the collection agency to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On  XXXX   XXXX   XXXX  my credit report was pulled and In reviewing my report, I noticed the following error :   XXXX   XXXX   XXXX     #  XXXX  This item is incorrect because The account has been in Charged Off status since  XXXX / XXXX / XXXX  ; And should be reported as such.     Also since the account was charged off the 24+ 90 day lates which are reporting in the system is incorrect and should instead be 0 times 90 days.     On  XXXX   XXXX ,  XXXX  I called   XXXX   XXXX   XXXX     and spoke with  XXXX  she transferred me to the credit analyst dept.  XXXX   XXXX . He said the account was charged off on  XXXX / XXXX / XXXX  and that they had not been reporting any  90+  day lates to the credit bureaus. I requested a letter from   XXXX   XXXX   XXXX     stating this.     On  XXXX  I received a statement from   XXXX   XXXX   XXXX   and it was a actual account statement from  XXXX   XXXX . Showing {$0.00} Balance.     I called   XXXX   XXXX   XXXX     again today and spoke with  XXXX  who then transferred me to Charge off department  XXXX   XXXX  she she very mis informed and I ask to speak with a manager. She transferred me over to  XXXX   XXXX   XXXX . I went over my concerns that the account is showing a Charge off but still showing  90+  day lates. He said he would send a letter out to me. At this point I do n't have much confidence in   XXXX   XXXX   XXXX   or their support staff.     I am hoping you can help me resolve and address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/XXXX I attempted to contact Navient about removing some old late payments on credit report from XXXX while I was unemployed and was told no that nothing could be done because they were over 90 days old. I 've been in good standing since XXXX with payments and asked if there was anything at all they could suggest I do. The only option provided was to wait till XXXX to have it removed. It seems inaccurate to me that someone who was unemployed can not be assisted and especially after making payments on time for four years consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: IN

Complaint narrative:
I am a victim of identity theft. On  XXXX   XXXX ,  XXXX  I learned my former CFO was using my " signature stamp '' to open accounts for her benefit. The past employee also used my current credit cards to buy vendor supplies when she opened her own roofing company.     She was immediately terminated. We called the police department.  XXXX  police reports were made. Report  Number   XXXX  and Report  Number   XXXX .     Our former CFO plead guilty to theft/embezzlement in  XXXX . She was sentenced in  XXXX  days in prison on  XXXX / XXXX / XXXX .     It 's been a battle to remove " theft accounts '' from my credit report. All has been removed except EQUIFA X INFORMATION SERVICES . Equifax refuses to remove  XXXX  accounts.  XXXX   XXXX    XXXX   XXXX   for {$16000.00} and additional  XXXX   XXXX    XXXX   XXXX   for {$12000.00}.     I have contacted Equifax 4 times to remove and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
XXXX   XXXX  - calls placed by former student of  XXXX   6 t o 7 times t o Sallie Mae. Sti ll was not provided information requested - MPN, signature, disclosure documents, etc. for  XXXX   XXXX   XXXX . Please expedite this information to  XXXX   ( ov ernight mail ).     Falsification of documents suspected, and not being expedited as to the investigation.     Misinformation provide d by Sallie Mae Allegations and Investigations in that informed to send a letter ( attached ) addres sing issues, details, and proposed solutions regarding suspected fraudulent activity by   XXXX   XXXX   on  XXXX   XXXX .  One   XXXX   XXXX  informed that an affidavit has to be completed befo  re Sallie Mae will investigate.
Faxed documents over to Customer service and Sallie Mae Customer Service said never received. ( also attached - only part of document pertains to Sallie Mae. ) Then faxed to 2   other departments.     Date of  XXXX   XXXX  that loan documents signed was date that  XXXX  was at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I received a collection letter with an account number balance owed and original creditor information. Date of service was not included. I called the number on the letter the man who answered tells me it was placed on my credit report  XXXX / XXXX /  XXXX  . I received the letter today  XXXX / XXXX /  XXXX  . First communication I have ever received, and they had already put it on my credit report. The man gave me service date from  XXXX . This is from 5 years ago, and this is the first communication I have recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: VA

Complaint narrative:
I have numerous dates from  XXXX   XXXX  until  XXXX   XXXX  to resolve a  XXXX   XXXX   XXXX   XXXX  account inaccurately reported on my Transunion and   XXXX    XXXX  Reports. The issue has been fixed on my  XXXX   XXXX    C redit Report. I recently received a letter from  XXXX   XXXX   XXXX   XXXX  that I did not initiate. I am enclosing a letter to CFPB and additional enclosures of proof.  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  and Last letter  XXXX   XXXX ,  XXXX  have sent dispute letters. Two letters were returned addressed to Transunion, therefore I sent out last letters via certified mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
In  XXXX  of  XXXX  I got home from work and my locks were changed. I was unable to get into an apartment I was renting from The  XXXX  located in  XXXX   XXXX , MD. I had to wait until Monday to speak with the property manager. On Monday I spoke with the property  manager  in person and he was not aware that the financial accountant  manager  had changed my locks stating that I had skipped my lease. I in fact did not skip my lease and had already made  XXXX  the leasing manage aware that I was moving out and not renewing my lease. My lease was not up until the following month. The property  manager   XXXX  told the maintenance  manager that they just had to  XXXX  up the fees and let me back into the apartment. I asked them to place it in writing that I would not be charged and he would not do so stating he had to wait for the attorney to see if I was on the list for eviction. I was not on the list. A year later I received on my credit report a collection for {$6900.00}. These fees included carpet repair, cleaning of the unit, rent for  two  months due to skipping the lease. I never was given access to the unit to move any of my belongings and never was given copies of the new set of keys once the locks were changed. Never given a chance to properly clean the unit. I was still a tenant and the locks were illegally changed. I have not been able to get any information from  XXXX  Apartments due to change of ownership. I have contacted the  Property Manager  numerous times and he states that the records will have to be pulled from the basement. I called in  XXXX  he asked for 30 days. Every since still no answer from the corporate office or the  XXXX  office

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I sent a document to obtain a free credit report. I sent Id, SS Number and evidence of residency.     The file not returned because not send the previously information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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 have never filed for Bankruptcy in my life yet the credit bureau is reporting that I have a bankruptcy from   XXXX   on my credit report. This is incorrect information and has been disputed numerous times with the credit bureau. My concerns are never addressed and this continues to damage my credit when the account is not even mine. I need the credit bureau to ensure their records are in order. In the past, the credit bureau has reported other persons ' accounts on my credit just because I share a similar name. If I really did file for bankruptcy in   XXXX  , would n't several accounts be showing on my credit as " Included in Bankruptcy ''? They do not because this record is not mine and I ca n't understand why the credit bureau refuses to see this and address my concern. I do not understand the logic behind the credit bureau investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
I had  XXXX  in  XX/XX/XXXX . I had medical insurance and I never received a bill from the hospital concerning the  XXXX . Three years later, I received a notice from a debt collection agency stating that I had a balance due from the  XXXX . The balance was {$1100.00}. The debt collection agency has tried numerous times to contact me via phone calls and notices in the mail. On  XX/XX/XXXX , the debt collection company filed a claim against me through  my local county 's  magistrate court.   Last month, I obtained a copy of my credit report and the debt collection agency has placed the debt on my credit report as a collection. I do not owe this debt. I never received a bill for {$1100.00} from the hospital in the years following the  XXXX . The hospital where the  XXXX  took place has filed bankruptcy within the last few years and is under new management. I believe this bankruptcy has forced this new company to try to obtain monies from past patients.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX   XXXX  ,2017 30  days late amount {$100.00}  Compass BK Auto l oan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: IL

Complaint narrative:
My HELOC w ith First Merit B ank termed out  XXXX   of 2016 an d at end of term  First Merit sent a statement showing the total balance due. Seeing that I did not have over {$300000.00} on hand I called First Merit Bank for guidance. I was told by a representative to continue m aking monthly payments of {$1000.00} to at least cover the interest while they sort things out. I then received an alert on my credit report that I was being reported as late, even though I made {$1000.00} payments from  XXXX   2016 -   XXXX   2016. I then  called the  First Merit customer service line. The First Merit  Bank representative told me several times the credit reporting would be reversed, yet each month things got worse not reversed. I talked to my branch contact  XXXX   XXXX  who called customer service on my behalf many times. The n Huntington Bank took o v er First Merit Bank  and now many of the personnel familiar with my situation are no longer employe d by Huntington Bank.  Luckily my  XXXX   XXXX  branch contact  XXXX   XXXX  is still wit h Huntington B ank.  XXXX  has made and continues to make several phone calls and has also been told mulitple times that the reporting is being corrected.  Huntington Bank has  since given me a two year extension on my HELOC, yet at a higher interest. If I were 120 days past due why on earth would anyone extend credit to me? Internall y, Huntington Bank k nows my credit report is incorrect but any other potential lenders looking at my credit report do not know the facts.

Company response to consumer: Untimely response