vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
I received an alert last week on my XXXX, XXXX, and XXXX credit report that a collection was added on XXXX XXXX, 2017. The company is called Midwest Recovery Systems and the amount is XXXX. I have never heard of this company and have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before it was placed on my credit report. I demand this account be removed immediately from my credit report. At least let me have the opportunity to dispute this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I 've been waiting 4 months for Fedloan Servicing to process my IBR Plan request. I 've now been forced to place a forbearance on my account due to their negligence. An Employee on the phone asked me to upload a new application. I just uploaded my new IBR Plan application to their site through my account. Let 's see if they process it or decline with another XXXX excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have requested several times via mail to investigate negative information that has been reported on my credit. I have only gotten responses that accounts have been verified and updated. I have not been sent any documentation proving that accounts and late payments have been verified. I have never been late on any loan payments nor have I ever authorized an account with XXXX. I have attempted to dispute this information with all parties via telephone however It is very difficult to get assistance over the phone.

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 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested several times via mail to investigate negative information that has been reported on my credit. I have only gotten responses that accounts have been verified and updated. I have not been sent any documentation proving that accounts and late payments have been verified. I have never been late on any loan payments nor have I ever authorized an account with XXXX. I have attempted to dispute this information with all parties via telephone however It is very difficult to get assistance over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Despite repeated written requests for statements for my auto loan be mailed to me. According to XXXX in Collections at USAA as of XXXX-17 my account was still set up for online bill delivery, which USAA has restricted my online access, preventing me from viewing my statement and paying my bill. The paperwork I have received regarding this auto loan are late statements, with no account information or payment stub to submit payment. Yet I was assessed, late fees and if I had not called into USAA collections to make a payment my credit would have been negatively impacted despite USAA 's failure to comply with the fair billing act. Furthermore, all of my remaining external bank accounts according to the USAA agent were restricted and not allowed to be used to make payments. So, I was left with no billing stub to submit payment, and no means to electronically make the payment and with no account statement depicting the balance, interest or status of the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation
State: GA

Complaint narrative:
Telerecovery is trying to collect a debt that I do not owe. I have asked them to provide me with proof that this account belong to me and that I am obligated to pay them anything. Telerecovery has not provide me with any documents stating that I am obligated to pay this debt. Telerecovery is in violation because they are reporting a debt on my credit file that I do not owe and not to mention ( they have not provided me proof that they own this debt that they are trying to get me to pay. ) Please help in getting this debt removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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:
This company allowed someone to open several store cards in my name and every month I receive a notification saying im late on my credit report. I had no knowledge of this account until I checked my credit. I called them and they have n't resolved it yet. I also mailed a letter to credit bureau and the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This company allowed someone to open several store cards in my name and every month I receive a notification saying im late on my credit report. I had no knowledge of this account until I checked my credit. I called them and they have n't resolved it yet. I also mailed a letter to credit bureau and the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Not able to dispute over the phone or online

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 2017-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We made two payments on our Capital One Credit card to XXXX XXXX on X/X/17 for hotel reservations and membership to XXXX XXXX. XXXX XXXX never acknowledged or sent confirmation after we made several attempts to ask the merchant to give us the services we paid for. Within the 90-day period, we made a formal complaint to Capital One Credit card. Capital One began arbitration with XXXX XXXX. XXXX XXXX sent their documentation including a false document that stated we did get a reservation. Capital One also called XXXX XXXX on XXXX XXXX,2017. They asked XXXX XXXX had done what they said they would and XXXX XXXX send yes. Based on this, Capital One said the merchant did do as agreed upon. XXXX XXXX lied and denied that we had cancelled our contract. Attached is all of the e-mails, communication with both XXXX XXXX and Capital One. I also included the e-mail that shows we cancelled our contract with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has already deleted a XXXX loan account few weeks ago, today they reinsert the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: NY

Complaint narrative:
I have two reports from Equifax from today, on the same XXXX XXXX account, the report I got from XXXX that is showing payment status, as pays a agreed. Vs. the other one which I got from Equifax credit monitoring site, showing it between negative accounts and that it 's been delinquent for 120 days. Absurd!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ray Klein, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX Look at Credit report and Professional Credit did not no I had and 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 non-monetary relief
Consumer complaint received 2017-08-02 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: NY

Complaint narrative:
Equifax is playing around with my XXXX XXXX XXXX mortgage account, with the payment history, and still did n't delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: TX

Complaint narrative:
XXXX / XXXX /2017 Set up an account with Experian 's protectmyid.com. Saw that the current employer information on my report is ten years out of date. Tried to use Experian 's Dispute Online function but after filling out the form was taken to a page saying " We were unable to honor your request '' with no further recourse except for mailing a letter to them.

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 2017-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I 've contacted  XXXX  regarding an upgrade on my cellular phone. I asked if I am to upgrade will it be a soft pull or hard pull. I mentioned if it is a hard pull I do not want them to pull my credit the woman insisted it would be a soft pull and will not show up on my credit report. Well I 've just reviewed my credit report and it 's showing as a hard pull. I contacted  XXXX  behind this matter and they 've insisted once again they only do soft pulls. I am extremely upset regarding 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
Consumer complaint received 2017-08-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Per complaint XXXX XXXX, 2017 : # XXXX, I would like to add supporting dockets. When, XXXX, from card services said she was in XXXX XXXX ( where my dispute is ), I felt that by her calling me back on an automated service return call. That, XXXX, making me hold while she sits there, was punitive with me. Maybe, XXXX, knew I was had a credit card dispute. Case number XXXX. I was aggressively evicted from XXXX XXXX XXXX XXXX XXXX XXXX, 2017. I had pre-booked, XXXX XXXX, 2017 through XXXX, from XXXX XXXX XXXX, 2017 and flew from XXXX XXXX. After thinking about the phone call, I feel that, XXXX, knew too much and was acting punitively toward me and there was not a need for XXXX to be that punitive with me. There has to be another way. The Bank needs ot implement a cheat sheet with numbers and extensions. I feel so helpless without the right number. And feel ganged up on because of the way the people act toward me is like they can do any old thing to me and then hang up. And, it makes me very angry. They retaliate. I 'm tired of their insinuations!

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 2017-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
A few weeks ago I increased my monthly payments from direct debit to add an extra {$140.00} per month onto my monthly installment amount. I received an email on XXXX XXXX, 2017 at XXXX XXXX stating that I am enrolled in direct debit service so the payment of {$360.00} will be automatically withdrawn from my bank account on X/XX/2017. On XXXX XXXX, 2017, I looked at my bank account and noticed that my student loan payment was not taken out of my checking account. I called customer service and was placed on hold for 35 minutes, only for them to tell me that the Delinquency is no big deal, that the confirmation letter they sent me on XXXX XXXX was a mistake in their system, and that it wo n't change anything on my account. Upon logging into my account I noticed that all of my loans were DELINQUENT. I manually processed a full payment immediately in order to cover the over due balance. I then received another letter on XXXX XXXX, 2017 stating that interest had been capitalized on my loans. I immediately went in and made a payment for the interest amount of {$53.00}. This error needs to be corrected and I demand the delinquent status be taken off of my account and erased from my payment/credit history. I talked to customer service today for 33 minutes and they admitted their mistake in sending me a confirmation that my payment would be automatically withdrawn on the due date, they told me that because of a delay in their system, they could not take off the capitalized interest. I then spoke to a manager who put in a claim for me and told me to call back in two weeks. I do n't want to wait two weeks to get my money back and for them to fix their mistake. But not for the confirmation email and letter I received on XXXX XXXX, 2017, I would not be delinquent on my loans, had forbearance placed on my loans, and be charged capitalized interest. I pay my bills every month when they are due and in fact, I pay more than what is due. As a customer I deserve respect and I was treated as if it was my fault. The customer service man I spoke with today, XXXX XXXX, told me that it is not likely anyone will be able to help me even though he is putting in a request to management, after he rightfully admitted that the reason for this matter was due to their own mistake and systems. I have received emails and letters in the mail which apparently, accounting to FedLoan Customer Service, were incorrect. As a customer, I relied on this information from FedLoan Servicing, which caused my accounts to become delinquent and my loan interest to be capitalized. I am very disappointed in FedLoanServicing and I expect this mistake will be fixed promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
after i closed the complain about chase auto ..i sign a settlement chase will be rein verse XXXX for fixed the car..who the transporter broken..so the settlements say after i sign the agreement between them and myself in XXXX XXXX2017 and faxed to chase.and speak with corporation XXXX XXXX ... the settlement said they will be sending me the check..today is almost 4 business day pass already and i still asking frame time to receive the check to fixed the car..today i was speaking with ornan and leaving voice mail to corporation agent XXXX XXXX and no one answer me..so one of the customer service explain ... they chase is intermediate agent due the transporter working for them..so until today no one answer me any phone call..and still waited for the check..only XXXX know what going on..so i need help please to clarify this manner..promise, promise is already 7 week since the chase broke my car thru the re position carrier XXXX XXXX California..i call them in XXXX XXXX but no one answer is voice machine messages ... also chase doesnt want release the car title i asking auto recording my print out since i get the loan all my payment if you can see my car was charge off in XXXX2017 {$2100.00} so..if you seen still reflect the {$2300.00} i already paid for..could you explain me? still said i owned tjhem {$590.00} dollar until i paid the chase will be release my title which is not fair

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint os regarding a letter I mailed to tram-union company on   XX/XX/XXXX   In the letter i disputed a very old account that contains concerning information which is not correct and is affecting my credit report and score.
I disputed the accuracy of   XXXX   XXXX    #  XXXX  This item is showing wring information and has negative items attached to it affecting me. This item was in violation of FDCPA laws back in  XXXX  and it reappeared on my credit report under  XXXX . I had settled this amount man many years prior and it was illegally re aged and reappeared under a different account on my credit report. I have never owed this company and when i wrote trans-union about its accuracy and why it is appearing on my credit report I did not hear back from them regarding it and I have been waiting for a long time for it to be deleted. This company has harassed me and I would like them to stop.

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 2017-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Debt collector never sent me any written correspondence but continually called me using a number in my own area code. These calls were performed by an automated dialer, and whenever I would pick up all I would hear is a beep and the call would disconnect.
When I called to speak with the company about the debt, they would only tell me a name but not what they wanted to speak with me about until I gave them my full address. When I refused to disclose personal information without knowledge of who he was, he hung up on me.
After I called back, I asked for proof of the debt and to not call me until I received it. I also asked that when they called back that they must call with a live person, not an automated system. After that call, I received 3 more calls from the company by their automated dialer.
I received the letter from them in regards to my debt today. It does not disclose anything other than the amount and creditor on the letter. It does not make any statement about my right to dispute within 30 days, or that if I do not respond within 30 days that I automatically accept the responsibility of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: GA

Complaint narrative:
O
n   XXXX   XXXX  ,2017 I sent  XXXX ,  XXXX , Experian a certified letter with confirmation of delivery which was sign for on   XXXX   XXXX  ,2017 from  XXXX ,  XXXX   XXXX ,2017 and Experian on  XXXX ,2017 I explained to Credit reporting agencies I have several company on my credit report I did n't sign a contract with. I ask for Credit reporting agencies to verify the credit with the company with a sign signature and photo of me to verify the debt. I also contacted the companies certified mail requesting the validation of debt I never received a response from the co  mpanies or Credit reporting agencies verifying the debt belonging to me. I have made several called many times to the credit reporting companies via telephone and I have been unsuccessful with resolving this matter. Also I have several unauthorized inquiries on my credit report. I havent requested credit with any companies in the last 6 years. I have a credit freeze on my credit file. With the freeze listed on my credit file my identity has to be verified before pulling my credit which it was n't been verified. The number listed on my credit freeze is the wrong number listed for me which is how I know my identity was never identified. Below is a listed of companies I ask for validation of debt. A sign contract with my signature and a copy of my photo.
1.   XXXX   XXXX   2.   XXXX   3.   XXXX   XXXX   4. XXXX  5.   XXXX   XXXX   XXXX   6.   XXXX   XXXX   7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   Thanks for looking in this matter for me.
  XXXX   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