vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNT LISTED HAS BEEN PAID FOR IN FULL IN A SETTLEMENT AGREEMENT BETWEEN ME AND THE COMPANY. THIS ACCOUNT IS NO LONGER LIABLE TO ME AND I AM REQUESTING REMOVAL OF THIS ACCOUNT OFF THE THREE CREDIT REPORTING. PLEASE REFER TO THE RECEIPTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The List of inquiries reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-10-12 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: EQUIFAX, INC.
State: NV

Complaint narrative:
The List of inquiries reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK
State: OH

Complaint narrative:
Since XX/XX/2019, I receive monthly calls from Discover student loans about past due amounts. I have 4 loans. I make the payments and their computer system does not allocate the payments correctly. Often it overlooks the big loan and over allocates to the smaller loan. For over a year now, I have to call because they will not act on email or letter, and it wastes between 40-65 minutes of my time to get it reallocated. I get phone messages and hang ups from this company all the time. I was told that unless I signed up for direct withdrawal from my account, I would have to go through this every month. Finally after over a year, an associated stated that if I made 4 payments with separate numbers, that would fix the problem. I have done this. In the meantime, they are still showing an overdue balance that is not right as, once again, the previous month one payment was made and it was misallocated. For over a year and countless hours with harassing calls, I am at my wits end. I feel coerced in that they want control over my account and they waste my time every month to fix their computer error. I told them this was bad business practice and coercion. This can not continue and so I am filing a report. With all their bad business practices, they even compromised my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: NJ

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...

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 2020-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: DE

Complaint narrative:
This is my second complaint against National Credit Adjusters ( NCA ) collection agency. They have been reporting inaccurate information for two collection accounts on all three of my credit reports for over two years. Both of the original creditors have agreed to remove the accounts from my credit reports and recommended that NCA do the same. However, as of today, both collection accounts are still reporting inaccurate information. When I was contacted by NCA about the first account ( RSVP loans ) in XXXX, I immediately started a payment arrangement. A few months later the representative that I was working with ( I believe her name was XXXX ) called to tell me they had another account in their office ( Rise loans ). She assured me that as long as I paid my payments on time neither would report to the credit reporting agencies. To my dismay, both were reported to the credit reporting agencies after the payment arrangements were paid off. 
I filed a complaint almost two years ago in XX/XX/XXXX and the NCA response stated that they would not remove anything from my credit reports if I had questions I could call the director of operations ( XXXX XXXX ) for any additional questions. I immediately called and left several messages with no return phone calls from XXXX XXXX. Instead I received a phone call from a NCA representative who repeated that they do not set up pay for deletion agreements. This is false. I have been trying to purchase a home for the last two years and haven't been able to because of these two collection accounts that are scheduled to stain my report for another 5 years minimum. I want NCA to research my account to see that agreements were made, the information that is being reported is in accurate and fix this by no longer updating this account that was supposed to be removed almost two years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: NJ

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...

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 2020-10-12 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: NJ

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My {$500.00} American Express Business Gift Card was used to make the following purchases with XXXX : XX/XX/20 {$10.00} - XXXX XXXX XX/XX/20 {$20.00} XXXX XXXX XX/XX/20 {$35.00} - XXXX XXXX XX/XX/20 {$420.00} XXXX XXXX These purchases were fraudulently made by others, my gift card has never left my possession and instead of having the full value of the {$500.00}, there is only {$10.00} remaining on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN AMERICAN MORTGAGE
State: AZ

Complaint narrative:
I applied for a XXXX loan to buy a home thru Sun American Mortgage here in Arizona back in XXXX of this year, the loan officers name is XXXX XXXX. during the course of the entire loan process clear up to and past the date of closing XXXX XXXX kept reassuring me that everything was ok and that the electronic underwriting went thru with no problems. I entered into a prepossession with the seller and moved into the home on XX/XX/XXXX. 
I paid all fees, appraisal and follow up appraisal {$750.00} also paid for repairs and materials in order to correct appraisal deficiencies, painted exterior of house, applied base trim sealed areas that were exposed and paid to have interior baseboard heaters installed, my total expenses have exceeded over {$3000.00} to date. all the while I have also paid {$850.00} each month for rent to the seller Mr XXXX XXXX. the close date was set for the XX/XX/XXXX and as I stated before XXXX XXXX stated that there were no problems that would stop the close on that date. it took 5 days past the close date for XXXX XXXX to call me with a final decision and that it was determined that I was too high of a risk and the loan was denied. when I spoke to XXXX XXXX she stated and I quote " since you have no rental history, your fianc XXXX XXXX 's rental history was used, unfortunately since she had a negative history the decision was that you are too high of a risk for a mortgage loan ''. XXXX XXXX has no reason for even being a basis for decision as she is not even a co applicant on my loan, they had no business using her information against me. XXXX XXXX falsified documents stating that the decision letter was mailed to me on the XX/XX/XXXX, I have photographic evidence of every piece of mail I received from the postal service and no letter or correspondence at all came from XXXX XXXX, in fact I didn't receive a copy of that decision until I was served with notice of eviction on XX/XX/XXXX. XXXX XXXX should not have manipulated the electronic underwriting, she had 5 months to research every detail needed for my XXXX loan, I am now facing homelessness and have had all my finances drained in this matter. Any assistance in this matter would be greatly appreciated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
I have a " debt '' with Wakefield and Associates in Colorado. The debt is for {$860.00} for a medical bill in XXXX Arizona with AZ XXXX XXXX on XX/XX/2017. The amount they are saying I specifically owe is the exact amount that my insurance stated it ALREADY paid for the debt. All we owed was {$60.00} co-pay. I logged into the hospital website, viewed the bill, and it stated that my bill has already been paid in full. I faxed documents to the collections and they state that this is not the same bill that I owe ( which is incorrect as I've only been to this hospital one time ). They continually harass and state I owe a bill already paid and use language that it will hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: TX

Complaint narrative:
i have already summitted many disputes on this account that is not mine Experian keeps putting verified with out sending any proof that the account is 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 2020-10-12 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: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I contacted XXXX  via telephone XX/XX/2020, after XXXX XXXX notified me of a negative collection on my account. I also received a statement from RPM aka Receivables Performance Management Company late XXXX in which I responded by US mail stating I did not owe this debt and show me your proof. I still have not received a response from RPM When I spoke with customer service at XXXX, I was told it this negative collection by RPM was removed and put back on my credit file at at the request of RPM Company. At that point, I asked to speak with a supervisor. A supervisor named XXXX took my call. Told me it was not up to them to verify information. I told him that was incorrect. There job is to verify consumer information. Told him I mailed XXXX  a package with all my receipts and pertinent information that validates my claim. I gave him the USPS tracking number and he said they never received it and continued to tell me to work it out with RPM Company. This supervisor with XXXX  had a strong foreign accent as did the first XXXX  employee who assisted me and it appeared to me this people were from another country handling the calls and had no experience and gave me wrong information. They are supposed to verify all information from me and the collector which they did not do. 

XXXX/ supervisor with XXXX told me I must have sent my package to wrong address. It was mailed with tracking to their XXXX. XXXX XXXX - XXXX, PA, which I verified with him. Still he said they never received it. I am at wits end for this has affected my credit file. XXXX  will not place this collection on my credit file because they could not verify RPM Company 's collection on me. My credit score with XXXX  is excellent but XXXX  continues to defy my requests to get documentation from RPM company concerning this so called debt they claim I owe.

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 2020-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
On XX/XX/2020 I received correspondence through the post office from an entity called 'Regional Finance Corporation of Texas '. The offer was for a pre-approved cash loan for {$1400.00}. The part I am seriously concerned about is that this particular offer included a live check in the envelope. The check had clear instructions as to the steps needed to cash it and even suggested that mobile deposit would be the easiest way to get the funds. The offer came with a 69.99 % APR and {$890.00} finance charge. I find it unacceptable that this entity would send out live checks that could easily be cashed at unscrupulous places and place me in a serious financial predicament. The XX/XX/XXXX check was actually the second time I received this offer from the same entity ; I had previously received the same offer from the same entity on XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12 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: NJ

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...

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 2020-10-12 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: OH

Complaint narrative:
XXXX XXXX # XXXX is reporting different information the 3 credit agenices and it's inaccurrate. On XXXX  is " stating no payments have been reported '' as a Charge-off with a balance of XXXX. On XXXX # XXXX is reporting " PAID on time for the last 3 years as a Charge-off, but as of XX/XX/XXXX of the this year all payment made on time ... with a balance of XXXX '' How is that possible. Experian # XXXX is report " 4 Charge-offs and incomplete payment is history XXXX '' This is a violation of the Fair Credit Act 611, please delete this account.

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 2020-10-12 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: MO

Complaint narrative:
XX/XX/2016. My project loan from XXXX XXXX XXXX XXXX was compromised and added to a companies pro desk account. Chargers were made on the account, without having possession of the card. I contacted XXXX, filed and identity report with the FTC. Filed a police report as well. I continued to pay the account in the beginning of resolving this matter, due to the fact I did not want my credit affected. They never removed this account from my credit, although I had proof of identity theft.

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 2020-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got a personal Loan for {$500.00} was able to cash it as a Check, and have been making my Payments each Month, and Oportun takes my payment directly from my Bank account. Last Months payment was returned because my Bank made the mistake of returning a payment, I immediately called the bank and told them to Not return my payment cause I didn't want my payment to be late, and too also not get penalized for any late payments, my Bank couldn't do much, therefore I decided to call Oportun and make my payment with another bank account information, and I asked them if I was still on time, if there were gon na be any issues or late payments or maybe any fee that I was going to get charged for the situation with the Bank, and they said that I was still on time to make my payment and I didn't had to pay any fee what so ever. I was content that everything had been resolved. Later on, a Week or so later, I received a call from an unknown number, They were asking for me, and I kept asking the person who He was, like what Company or something, They never answered anything, sounded like a Scam, and hung up on me. That same day, I received a call, and I kept asking who they were and on the 5th time that I continued to ask who they were, the Lady said, Were from Oportun, and told me that I owed then {$15.00} for a Bank return Fee, I explained to them what had happened and Mentioned to them, that I was never told that such fee was gon na be made, and that my payment was on time, and it was an error the Bank had made, and I didn't consider such fee to be charged since it was Never mentioned in any way, and now 15 days later Im getting notice of this. I explained to them that the same situation had happened with another Company, and my payment got returned and they were able to remove those fees since they didn't apply and I had made my payment before the due date, its a fee that the system generates but they were able to remove it from my account and everything was good. After the whole explanation, the Oportun Representative said that I needed to review my contract and I needed to pay that {$15.00} fee. At this point Ive spoken to approximately 3 Representatives and they all blame the Bank, they don't want to remove the fee what so ever, and they are being very unreasonable with me as their Client, I have never experienced such poor customer service, and Ive experienced this type of situation before, and they are always so nice about removing any Penalty fees or any fee being charged into my account, since they can see I am a responsible Customer. Please help me out with this Company, I feel very unhappy about the whole thing. Thank You.

Company response to consumer: Closed with explanation