vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: AL

Complaint narrative:
I have been dealing with this medical debt for 2 years now. I had an emergency room visit on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and the doctor was paid by my medical insurance on XXXX/XXXX/XXXX. I notice that the date of service on the debt collection letter is for XXXX/XXXX/XXXX and the date on my insurance claim is for XXXX/XXXX/XXXX. I did get treated at the ER on both of these dates so I think maybe the dates are mixed up on the paperwork. That may be what the problem is because I have insurance claims to different doctors on both of these dates. The original fee charged was {$1200.00}. He is a physician provider on my insurance and agreed to accept the eligible charges that were paid to him. This has been on my credit report up until a couple of months ago and the only reason it 's not there now is because I filed a dispute with XXXX XXXX. After the dispute was settled it was deleted from my credit, but this physician sent these charges to a different collection agency after the other one dropped it. The old collection agency was XXXX XXXX and the new collection agency is XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX DO ) and the current creditor is listed as Pendrick Capital Partners. A XXXX XXXX/ XXXX XXXX XXXX representative even tried to call and talk to the first collection agency ( XXXX ) and the physicians company, but was given the run around and was unsuccessful. I faxed them proof of payment from the insurance company on several occasions, but was unsuccessful until I filed the dispute with XXXX. I have not contacted the new collection agency because collection agencies only go by what the creditor claims you owe them, so I 've decided to file this complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Partners Financial Services Inc
State: PA

Complaint narrative:
Trying to impose XXXX dollars in fees which is against fait debt collections practices act a serious violation and US Government Does nothing About this type of fraud I have tried numerous disputes with XXXX XXXX and have gotten on where Date of account opening XXXX XXXX 2015 that will have to checked also for accuracy PARTNERS FINANCIAL/XXXX XXXX XXXX XXXX, MO XXXX Somehow has added these fees and falsey reported it to XXXX as a collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Once we open a case with you in XX/XX/XXXX regarding over {$5000.00} in funds in escrow account, Ocwen Loan Servicing has stop accepting our ( P & I ) payments from them. I have been talking to an escalation manager at Ocwen whose name is XXXX XXXX ID # XXXX ). I have also faxed documentation to Ocwen Research dept, per XXXX suggestion. XXXX confirm receipt of documentation. My question to you is if I am able to prove that Ocwen failed to pay my taxes & insurance on this loan which " I THINK '' is a violation of RESPA laws, can I recover my attorney fees from Ocwen if I have to hire an attorney to resolve this issue. Payments that were not made happen in XXXX which was the year our XXXX XXXX bankruptcy was confirmed. Discharge of bankruptcy was XXXX XXXX. Please advise if recovery of legal fees in a private lawsuit is applicable per RESPA laws. Recently, every 2 weeks we receive a call from XXXX saying they need more time. I think the recent refusal to accept payments is to trigger foreclosure on this property. As of today 's date XXXX XXXX XXXX, they have returned 2 payments ( P & I ). Also this year I was paying home owner 's insurance quarterly ( XXXX XXXX ) and Ocwen paid the insurance for the first time since XXXX. XXXX XXXX sent me a check back after Ocwen submitted payment. We pay our taxes quarterly so maybe they will send in the taxes for this year also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I got a few different store cards and had them for a long time.. had some financial problems and my credit score lowered.. XXXX XXXX closed my account.. I was making my payments.. I 'm just st waiting on you to close the others. I think it 's so unfair.. The XXXX store and now you have just closed my lowes card.. lowered credit line at XXXX XXXX.. thanks

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 2017-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I telephoned XXXX in early XX/XX/XXXX and was told acct was paid in full. I had moved and never ever received a bill that acct was still owing. Never received notice from CBE Group that there was an outstanding balance. Upon learning of collection thru XXXX XXXX I immediately paid amount due to XXXX. XXXX lied about having sent me notices or USPS failed to forward mail!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My American Express show late payment I called the company and they said they do n't report. Late payment not unless it 's 30 days but to begin with I was never late. They told me I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: FL

Complaint narrative:
on X/X/2017 I sent equifax, XXXX XXXX proof of XXXX XXXX not holding and active license which make them unable to collect or to reflect any information on my credit report. I provided Equifax, XXXX XXXX with the website and photo and it still has n't been removed. I went ahead an attached this to avoid from them saying they did n't see it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Victim of the Equifax Data Breach of 2017, upset with the nature of Credit Reporting Agencies and the lackluster steps taken to provide security for the very sensitive information contained by these Agencies for hundreds of millions of Americans. This is not simply a data breach, it has the potential to impact the future of Americans young and old. These companies are truly playing with the livelihood of millions of people including myself. Actions should, and hopefully will, be taken against not only Equifax, but also XXXX and XXXX, in the wake of this breach. With that being said I also hope to see the hackers who skimmed the information of myself and other Americans brought to justice and prosecuted for their thievery. The world would be a better place for all if we could stop these crimes before they ever had a chance to be committed, but until that day comes, companies that keep sensitive information that has the power to ruin a person 's life should take the necessary actions to protect that information at whatever cost. Otherwise, I would implore people to never again trust these agencies with our business or our information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: CT

Complaint narrative:
I made a timely payment on a student loan, and AES threatened that the payment was past due. I received confirmation from AES that the payment was timely. I want my timely payment acknowledged. I want AES to stop harassing me. I want an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX - I contacted the Equifax line that is supposedly assisting consumers who were victims of their security breach. I would like an extended fraud alert placed on my credit reports and they not only will not do so without a police report or other proof of my identity being stolen, they did not have a phone number for me to call to request it due to their inadequate security of my personal information. This is unacceptable. Why would I want a one-year identity service from them and then have to send them in writing that I want to opt-out of the clause to sue them for this breach and their release of my personal information. They MUST offer victims like myself an extended fraud alert on our credit reports and allow us to request and implement online, not in writing. This is the most outrageous display of abusing consumers who are victims of their negligence. Take action against this company and the " leaders '' who clearly abused their knowledge of this breach at the expense of innocent consumers. Allow us to protect ourselves IMMEDIATELY and at NO COST to us by placing extended fraud alerts on our credit reports online. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: FL

Complaint narrative:
on XX/XX/2017 I sent XXXX, transunion, XXXX proof of XXXX XXXX not holding and active license which make them unable to collect or to reflect any information on my credit report. I provided XXXX, transunion, XXXX with the website and photo and it still has n't been removed. I went ahead an attached this to avoid from them saying they did n't see it.

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 2017-09-17 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: FL

Complaint narrative:
on XX/XX/2017 I sent XXXX XXXX, experian proof of XXXX XXXX not holding and active license which make them unable to collect or to reflect any information on my credit report. I provided XXXX XXXX experian with the website and photo and it still has n't been removed. I went ahead an attached this to avoid from them saying they did n't see it.

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 2017-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have tried to obtain information about the school that I went to. It 's called XXXX XXXX and was located in XXXX, CA. Navient has not been able to provide me any information in regards to the school, can not provide information about the type of loan I have with physical documents and I know that XXXX had bought out the school and that has since been closed down. 

I filled out an Income Based Repayment Plan application and was told that my payments would increase from {$110.00} to {$140.00} however the monthly payments SKYROCKETED to {$280.00} and nobody can tell me why. I even get emails monthly that show that my {$140.00} payment is n't due until XX/XX/XXXX. 

I feel that since I am not able to get the services from the school that I am paying for that I should n't have to pay since the school has CLOSED forever and I can no longer take refresher courses as disclosed in my paperwork that nobody at NAVIENT can seem to provide. I feel that this loan should be FORGIVEN due to the nature of the closure of the school and based on NAVIENT 'S inability to provide ANY documentation in regards to the loan in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
We were working with a doctor in XXXX who told us he was going to help us iwth our son who suffers from XXXX. He claimed to be able to help with XXXX and XXXX  issues as well as improving communication skills ( our son is non-verbal ) His " treatments '' did absolutely nothing except cost us close to XXXX $ We attempted to dispute the charges with American Express however they states that the Dr. had provided adequate documentation to uphold the charges. 

While our dispute was ongoing, the Dr. was accused, convicted, and plead guilty to tax evasion charges ( charges which included providing false information to the IRS ) https : //www.justice.gov/usao-sdny/pr/westchester-neurologist-pleads-guilty-manhattan-federal-court-tax-fraud-violation We argued with XXXX that his conviction on tax fraud and willingness to defraud the govt and provide them false documentation should be taken into account when considering our claim. An individual who had no qualms about lying to the govt would surely have no issues with lying to his credit card company. 

In the end, XXXX ruled in favor of the doctor. We had to take out a personal loan to cover the XXXX $ bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: OK

Complaint narrative:
I recently went to purchase a new car. When the process was over I found out that I had up to 10 hard inquires in to my credit. I am a young man trying to make it on my own and build my credit. However, when I go to buy a car and allow them to run my credit I am aware that it will affect my credit so negatively. What bothers me is the fact that they ran my credit so many times that it has major effects on my credit report. What I am not understanding is, why do they have to pull so many hard inquires? Why do they not just pull my credit report ONE time and then share that report with possible financial institutions? At what point does it become cruel, unusual, and excessive? Not to mention I would like to know why there are not limits placed on how many times a car dealership can run my credit. When I go to buy a car and they tell me, " We are going to pull you credit report to get you financing ", I figure they would pull it once or twice max! At no point does the dealership tell me that they are going to let as many people as possible pull my report.The fact that so many different companies are pulling my credit report obviously hurts my score. Not to mention, I know that those inquiries stay on my report for years. I know that many Americans do not like credit. It is reasons like this that credit is so hard to keep good and maintain.

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 2017-09-17 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I recently went to purchase a new car. When the process was over I found out that I had up to 10 hard inquires in to my credit. I am a young man trying to make it on my own and build my credit. However, when I go to buy a car and allow them to run my credit I am aware that it will affect my credit so negatively. What bothers me is the fact that they ran my credit so many times that it has major effects on my credit report. What I am not understanding is, why do they have to pull so many hard inquires? Why do they not just pull my credit report ONE time and then share that report with possible financial institutions? At what point does it become cruel, unusual, and excessive? Not to mention I would like to know why there are not limits placed on how many times a car dealership can run my credit. When I go to buy a car and they tell me, " We are going to pull you credit report to get you financing ", I figure they would pull it once or twice max! At no point does the dealership tell me that they are going to let as many people as possible pull my report.The fact that so many different companies are pulling my credit report obviously hurts my score. Not to mention, I know that those inquiries stay on my report for years. I know that many Americans do not like credit. It is reasons like this that credit is so hard to keep good and maintain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: ND

Complaint narrative:
I 'm a victim of identity theft. There 's a fraudulent and unauthorized hard inquiry listed on my Equifax and XXXX credit report. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX, XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX- I contacted XXXX Citi and asked for a credit increase. I specifically stated I did not want hard pull done. I did not want the increase a hard Pull had to be done. They told me would not be a hard pull. It would be a internal pull. I was denied. I then requested to speak with a supervisor as to why I was denied the supervisor told me she would look into it and inquire. I told her that was ok as long as it did not result in any form of a inquiry on my credit report. The supervisor told me there was a exception for HURRICANE IRMA relief victims and because I was in Florida she could submit a request for me and that it would not be a hard pull/ inquiry on my credit report. I was a IRMA hurricane victim and needed assistance so I said yes. 
The Supervisor completely assured me that it would not be a hard pull. She advised me to call back the following day at XXXX to see if the additional {$500.00} Hurricane relief was provided to me. I checked my credit report today and there is a hard pull dated XXXX on all 3 bureas and it has lowered my credit score. 

This hard pull credit check was done completely WITHOUT my consent or authorization. 
These calls are recorded and I want the recordings reviewed if necessary. 
I contacted CITI BANK XXXX and spoke with a supervisor about this matter and requested the call be removed and the hard inquiry removed from all 3 credit bureaus.

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 2017-09-17 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: ND

Complaint narrative:
I 'm a victim of identity theft. There 's a fraudulent and unauthorized hard inquiry listed on my XXXX and Experian credit report. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX/XXXX, XX/XX/2017

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 2017-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account XXXX XXXX is supposed to be closed, it 's a charge off. I 'm disputing it for not being my account, they say I 'm a cosigner in a auto loan. I asked them for a copy of the contract with my signature, under the fair credit reporting act, although what they 're trying to do is past the statute of limitations. As I requested before I want a copy of the invoice/contract with my signature.they or TransUnion just recently opened this account for no reason but to lower my credit score by almost 40 or more points on purpose. The statute of limitations on this account is four years which is over but if they want to keep reporting this erroneous information, I need to see that contract by law.

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 2017-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I received a letter on the XX/XX/XXXX in regards to a debt for a credit card that midland funding now owns. This is not my debt. I have no knowledge of the debt or a contract with midland funding.

Company response to consumer: Closed with explanation