vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-27 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: FL

Complaint narrative:
I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX EXTRAS XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX : Unverified 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 2017-10-27 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:
I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX EXTRAS XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: TN

Complaint narrative:
I have recently obtained a copy of my credit file and there are many mistakes in my report

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 2017-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I had store accounts with XXXX  and XXXX. At some point these companies started using XXXX XXXX  for to process credit purchases. I check my accounts online frequently and have never seen any unfamiliar activity. 

Synchrony sends emails each month notifying me of the payment due date and provides a link to view my bill and make a payment. I had NEVER been late with a payment and always paid in fulluntil XX/XX/2017. I wanted to pay early because I was moving. However, Synchrony would not allow me to log into either account so I could see the bills/balances and make a payment. Since I was moving at the time, I had no internet service for approximately two weeks. 

Apparently they have been charging me late fees since they will havent been allowing me to log in! Yesterday I called to get answers. First I sat through nearly 5 minutes of recorded messages and push this for that recordings. When I finally got to a live person I was transferred FOUR ( 4 ) times, sitting on hold between each transfer. At one point, I asked for a paper statement to be mailed to me and they refused. Each time my identity was verified, but I never received answers to my questions. Frustrated, I finally hung up. 

I called back and paid off the XXXX XXXX card for the amount they said I owe. I have no idea if that was the correct amount. Today I will do the same with the XXXX card, again having no idea if the bill is correct or not. 

At this point, I would like Synchrony to just close every account that I may have with them. My credit score is and always has been excellent and I do not want to jeopardize that with their lousy customer service practices. Ill stick to XXXX or XXXX for my credit needs.

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 2017-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
Wakefield and Associates of XXXX Tennessee has a couple of medical debts that they say I owe and they have added money to the original amount billed by the doctor, I have contacted them but they will not change the amount.

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 2017-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I made my first mortgage payment to Caliber Home Loans, which included an additional principal payment of {$420.00}, which was credited to my account. The unpaid principal balance following this payment was {$650000.00}. 

On XX/XX/XXXX, the loan was set up with XXXX after having been sold to them by Caliber. 

On XX/XX/XXXX, XXXX created a statement showing an unpaid principal balance of {$650000.00}, which is approximately {$420.00} less than the closing balance with Caliber. This is essentially the amount of the additional principal payment. 

On XX/XX/XXXX, I contacted XXXX and was advised the balance number they received from Caliber was {$650000.00} and that I should contact Caliber.
On XX/XX/XXXX, I contacted Caliber and was advised they were unaware that XXXX even had the account! I was advised that the transfer would not actually take place until XX/XX/XXXX.
I have since attempted to follow up with Caliber for additional  information/clarification/assurances via fax and social media, but have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX/XXXX/XXXX ( XXXX XXXX DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX-XXXX. they pull my report and did hard inquiry without my consent opt out before ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX they pull credit before i said yes when isuggested to cancel the report being pull ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX i never requested this hard inquiry about my credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX i did not grant permission to have my credit report pull or any other matter ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX i did not aproved this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX this should not be here and they did not supposed to pull my credit or do hard inquiry ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX i never give my info and gave them permission to pull my credit file ) XXXX/XXXX/XXXX ( ALASKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX ( XXXX ) XXXX i did not request this hard inquiry since it was a checking account created nothing related with credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX i never requested any about this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX MD XXXX ( XXXX ) XXXX i never granted permission to pull my credit file )

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 2017-10-27 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: WA

Complaint narrative:
XXXX/XXXX/XXXX ( XXXX XXXX DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX they pull my report and did hard inquiry without my consent opt out before ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX they pull credit before i said yes when isuggested to cancel the report being pull ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX i never requested this hard inquiry about my credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX i did not grant permission to have my credit report pull or any other matter ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX i did not aproved this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX this should not be here and they did not supposed to pull my credit or do hard inquiry ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX i never give my info and gave them permission to pull my credit file ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AK XXXX ( XXXX ) XXXX i did not request this hard inquiry since it was a checking account created nothing related with credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX i never requested any about this ) XXXX/XXXX/XXXX ( CREDIT PLUS XXXX XXXX  XXXX , MD XXXX ( XXXX ) XXXX i never granted permission to pull my credit file )

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 2017-10-27 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: WA

Complaint narrative:
XXXX/XXXX/XXXX ( XXXX XXXX DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX they pull my report and did hard inquiry without my consent opt out before ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , MD XXXX ( XXXX ) XXXX they pull credit before i said yes when isuggested to cancel the report being pull ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX i never requested this hard inquiry about my credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX i did not grant permission to have my credit report pull or any other matter ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX i did not aproved this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX this should not be here and they did not supposed to pull my credit or do hard inquiry ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX i never give my info and gave them permission to pull my credit file ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AK XXXX ( XXXX ) XXXX i did not request this hard inquiry since it was a checking account created nothing related with credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX i never requested any about this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX  XXXX , MD XXXX ( XXXX ) XXXX i never granted permission to pull my credit file )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: CA

Complaint narrative:
This complaint is about an Unknown medical collection on my TransUnion credit report from a collection agency called XXXX. 

The problem is that XXXX was not able to verify this collection belongs to me and TransUnion has refused to remove it from my report What has happened is that on XX/XX/XXXX I discovered an unknown medical collection from XXXX on my credit report and onXX/XX/XXXX I disputed this with Transunion. I received notice from Transunion on XX/XX/XXXX that the debt had been verified by XXXX and TransUnion advised me to contact XXXX. On XX/XX/XXXX I wrote XXXX a letter requesting they validate the debt by producing evidence that I am indeed the person responsible for the Debt. I requested that if they could not validate the debt that they would instead please provide a complete withdrawal of their claim. On XX/XX/XXXX XXXX sent me a letter stating they are ceasing collection efforts and have closed this account in their office. They provided no other information. On XX/XX/XXXX I notified Transunion that XXXX was unable to validate the debt or provide me with any information other than the letter stating they were ceasing collection and closing the account. I forwarded a copy of the letter I received from XXXX to TransUnion with my correspondence. On XX/XX/XXXX TransUnion sent me a letter and a copy of my credit report that says they have completed their investigation and DISPUTED INFORMATION UPDATED. The updated information on my credit report continues to show this unknown and unverifiable collection. Transunion provided me with a phone number to their call center and onXX/XX/XXXX I called and spoke to a representative named XXXX ( he gave me a call tracking # XXXX ). My call with XXXX was more than frustrating. He advised me that TransUnion had validated the debt with XXXX and that I would need to contact XXXX again. I have learned that the definition of insanity is doing the same thing over and over again and expecting different results. It seems a bit insane to me that TransUnion would ask me to do the same thing they already asked me to do and expect different results. Therefore I am writing you today to file a complaint against TransUnion for continuing to report an unverifiable account on my report.

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 2017-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DIRECMANAGEMENT, INC.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 Direct Management placed an account for the amount of {$950.00} on my credit report in violation of the Fair Credit Reporting Act. Direct Managment failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Direct Managment is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: NC

Complaint narrative:
I keep getting calls on my cell and at work from different numbers from " Allied Interstate '' for debts I do not owe. Most of the time when I answer, no one is there. Other times, eventually a person with a foreign accent starts asking for me by my first name on a " personal matter. '' One time after repeated calls I said " she 's not here right now '' and they hung up. They call several times a day in the early morning, afternoon, and evening on both numbers. In fact, they just called my cell at XXXX ( as they do EVERYDAY ) and then my work number at XXXX. Sometimes it is from the XXXX number. Other times it is from another number XXXX or XXXX. Please make them stop! Most people on the complaint websites say they are for student loans. I do have student loans but I have been paying them every single month, early, for the last several years. I have excellent standing with them. Others I have paid off years ago.

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 2017-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 XXXX XXXX XXXX placed an account for the amount of {$5900.00} on my credit report in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account XXXX XXXX XXXX is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 Nationwide Recovery Services placed an account for the amount of {$66.00} on my credit report in violation of the Fair Credit Reporting Act. Nationwide Recovery Services failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Nationwide Recovery Services is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX OFFERS FREE CREDIT SCORE MONITORING THROUGH TRANS UNION. 
SCORES XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A 21 POINT DROP.. 
I USE ALL MY CREDIT CARDS EVERY MONTH, ALSO PAYING MY BALANCES OFF IN FULL EVERY MONTH. DEMONSTRATING RESPONSIBLE FINANCIAL BEHAVIOR. 

THERE REASONING FOR THE DROP IN HE SCORE. FROM TRASUNION FICO SCORES CONSIDER WHETHER A PERSONS CREDIT REPORT SHOWS RECENT BALANCES ON REVOLVING ACCOUNTS. YOUR FICO SCORE WAS IMPACTED BECAUSE YOU ARE NOT CURRENTLY DEMONSTRATING ACTIVE REVOLVING CREDIT MANAGEMENT. ( FALSE ) STATEMENT FROM TRANSUNION PEOPLE WHO SHOWS MODERATE AND CONSCIENTIOUS USE OF REVOLVING ACCOUNTS, SUCH AS HAVING LOW BALANCES ANY PAYING THEM ON TIME, GENERALLY DEMONSTRATE RESPONSIBLE FINANCIAL BEHAVIOR. PEOPLE WITH OUT RECENT REVOLVING CREDIT ACTIVITY TENDS TO BE VIEWED AS A HIGHER RISK BY LENDERS. 

XXXX XXXX XXXX XXXX NEEDS TO STOP PLAYING WITH IMPORTANT CONSUMERS INFORMATION THAT AFFECTS CONSUMERS DIRECTLY, AND SERIOUSLY YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 



.

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 2017-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit & Collection Recovery Services, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX placed an account for the amount of {$880.00} on my credit report in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account XXXX XXXX XXXX XXXX XXXX is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I contacted XXXX XXXX XXXX and they said they were sold the fraudulent account from XXXX in XXXX. I have n't had XXXX at all and the accounts they are speaking about were originally removed years ago due to ID theft with my social security #. When I got on the phone with them they tried to verify my SS # and it did not come up in their systems. They pulled me up by name but the social security number is n't mine. I called them at XXXX at XXXX and spoke to XXXX first and she transferred me to XXXX. XXXX was supposedly working in their fraud dept and helps people who are affected by ID theft. She said she was going to dispute the transactions but I still may need to pay them if they do n't come off. She said she could not give me any confirmation for the disputes. No letters, No numbers, or anything else. She said if the dispute goes through ill see it on my credit report. Basically it did n't sound like they really wanted to help me. They do n't have my correct personal information at all. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Resources, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2015 Collection Resources, INC. placed an account for the amount of {$410.00} on my credit report in violation of the Fair Credit Reporting Act. Collection Resources, INC. failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Collection Resources, INC. is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX, 2015 XXXX XXXX XXXX placed an account for the amount of {$5100.00} on my credit report in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account XXXX XXXX XXXX is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation