vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-19 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: MD

Complaint narrative:
Hello. I contact Experian via certified mail ( attached proof and letters ) I requested proof of accounts that they claimed were mine. I also Have credit card companies reporting incorrectly because credit cards were stolen and used and cause balance and I closed the cards because of theft. I have reached out to Experian explaining the issues and the Laws that are protected by me to assure I am not being reported inaccurately. They sent a generic auto response claiming nothing was inaccurate when in fact several things are reporting inaccurate and illegal. I will forward my proof to you.

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 2019-02-19 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: GA

Complaint narrative:
I recently have been disputing this account on my credit report. I do not agree with the balance they claim i owe. Well after 3 months of disputing this account for some unknown reason XXXX  XXXX XXXX decided to increase the alleged amount owed. The balance was {$6700.00} which i didn't think i owed that much. Now i just checked my credit and they have increased the balance to {$7100.00}. This is illegal to randomly after 5 years of non payment increase the amount i owe. This is inaccurate information and a violation of the FCRA

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 2019-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates ( PRA ) garnished my wages for a medical debt purchased from XXXX XXXX opened in XX/XX/XXXX. PRA was paid in full on/about XX/XX/XXXX, via case # XXXX reported as closed with XXXX XXXX Sheriff. PRA is claiming that I have a balance of {$710.00} and continue to report negative activity on my credit bureau and harass me with phone calls ( these have now stopped after a formal complaint to the company ). I have provided proof of payment via wage garnishment to credit bureaus to no avail - item continues to be reported as outstanding based on their inaccurate reporting. Not only has this been paid in full, the medical debt was incurred XX/XX/XXXX and statute of limitations for collection expired in XXXX. I would like PRA to close this account, stop all harassing collection attempts and correct it on my credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 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: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX I got hit with New Inquiry from Discover which I noticed XX/XX/XXXX on my XXXX online account. I called discover to tell them I did not make any hard inquiry XXXX XXXX XXXX ... They had said would remove the hard pull and I had told them I would also go on here because the customer service reps from my experience always seem to get things lost. 

To my understanding this hard pull is only on my XX/XX/XXXX and going to be removed as soon as possible. If it was on any other credit bereu 's I would kindly ask for it to be removed as I never made this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Oklahoma Student Loan Authority
State: FL

Complaint narrative:
My loan servicer is : Oklahoma Student Loan Authority. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX I want to be able to make auto deposits while in school while no monthly payment is due. I want to do so to begin paying down student loans and reducing the total amount of interest paid. 

OLSA will not allow direct/auto deposits. OLSA policy is stated as such : " You are not eligible to sign up for auto debit because you do not have a payment due. When your loan ( s ) is in a repayment status or within six months of your next payment due date, please return to this page to sign up for auto debit. If you would like to make a one-time payment, you may click Pay Now from the Payments menu item. '' Such a policy is a predatory lending practice because it reduces the likelihood of paying down the balance of the loan ; therefore, increase the amount of interest the company can collect from students. Auto deposit should be available to all student borrowers at all stages of the loan to encourage loan repayment and minimize the amount of interest a student accrues. 

Please help me in activating this simple feature that should be available to all. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: IL

Complaint narrative:
I have contacted XXXX & Equifax several times about XXXX XXXX Bank. This account has been reporting on my credit for over seven years. I asked that it be removed & they continue to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: NY

Complaint narrative:
I got with a New Inquiry from XXXX XXXX XXXX on XX/XX/ 2018 from Experian. I noticed this through XXXX XXXX on my XXXX XXXX online account. Around XXXX I called up both companies about this fraud situation and both said they would remove it. I than had called a second a third time. I want to say XXXX XXXX day last time I spoke to with both companies and both would assure me would come off in 7-14 business days. Nothing has ever come off.

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 2019-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I have been called continuously by this company, sometimes several times a day starting early in the morning.

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 2019-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI

Complaint narrative:
Twice I have attempted to make my payment online with SPServicing and twice it has failed due to an incorrect account number. When it happened the first time, I assumed I typed the account number incorrectly, but when it happened a second time I suspect an error in their system not my typing. I called customer service and spoke to XXXX XXXX at extension XXXX and explained that their must have been an error in processing the payment and could I please make the payment over the phone. He informed me that because this had happened twice in 6 months, they would only accept certified funds. He refused to take my payment over the phone and informed me that if I mailed a check it would be returned if it wasn't certified funds. Just to be clear, neither payment was returned for insufficient funds but rather an incorrect account number, and the account has never been in default. I have read my mortgage Note and do not see anywhere that requires me to send certified funds if a payment isn't processed due to an incorrect account number. The payment is not delinquent and the account is not in default. Please clarify if SPSerficing is allowed to refuse my payment and require certified funds when the account is not in default or past due. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I filed a dispute with XXXX  regarding a late payment that was reported by Nationstar. On XX/XX/XXXX I received an email confirmation that my dispute # XXXX had been closed. The compliant follows as both XXXX  and Nationstar failed to correct their error. 

On XX/XX/XXXX I filed a complaint with CFPB regarding Nationstar 's credit of my mortgage account ( reporting case number XXXX and CFPB reference number XXXX ). In a letter submitted by Nationstar to the CFPB on XX/XX/XXXX, Nationstar clearly states " Moreover, our records do not indicate that we have reported the loan negatively. '' ( see attached letter ) It is clear in my XXXX report that I was reported 30 days late in XX/XX/XXXX. This is a fraudulent statement as I have attached my payment history indicating that my payment was received and credited on XX/XX/XXXX. How Mr. Cooper chose to apply those funds is irrelevant. My full payment was made by the due date as indicated on my statement. My payment was not late nor has it ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
This account has appeared on my credit report and, despite attempts to dispute, I have received no information proving I owe this debt. I was never in the emergency room in XXXX of 2017. I have had insurance at all times during the time they allege I incurred a debt. I am providing a true and correct itemized list of claims submitted on my behalf

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had received an apr reduction for 6 months to 4.9 % the payment dates 1 XX/XX/XXXX 2 XX/XX/XXXX 3 XX/XX/XXXX XXXX The credit card company claimed my due date was at the XX/XX/XXXX or XX/XX/XXXXof the month even though I have a letter from them stating the XX/XX/XXXX of each month. They claimed that I made a late payment and raised my apr to 24.5 % I have tried to communicate with the company with no resolution and my apr interest has now been being charged at this increased rate for 10 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-19 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: NY

Complaint narrative:
I have been a victim 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 2019-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MiraMed Revenue Group LLC
State: TX

Complaint narrative:
Recvd phone call in XX/XX/XXXX from a company called MiraMed Revenue. A man named XXXX called to inform that I owed {$930.00} for a XXXX XXXX procedure done by my XXXX XXXX XXXX XXXX back in XX/XX/XXXX. I told him we have recvd nothing regarding an outstanding debt from our XXXX  or the XXXX XXXX company. I told him then that means if it was owed thennit was also paid already. He assured me it wasnt paid and that it was outstanding and owed. And that he had not the bad debt on my credit report yet. ARE YOU KIDDING ME????? Thats harassment. I told him we have received nothing on this balance!!!! I told him then I would need to check with my doctors billing Dept as well as my husband and would call him back. He proceeded to tell me he would be willing to negotiate the {$930.00} if I was willing to pay today. A red flag went off right there. I did call my doctor and they proceeded to call the XXXX XXXX company and indeed, the bill had long been paid. This is ridiculous. Why are they not required by law to confirm and reconfirm before a single phone call is made that a debt is indeed outstanding?? Unless they are intentionally hoping to scam someone out of money already paid. These are the kind of companies that take advantage of elderly people or non English speaking, or even inexperienced people because of their persistence as well as their lack of desire to check on a balance a customer says has been paid. Why wouldnt they be required then and there to check with company they are collecting for??? Because its just as easy for them, when they get caught collecting again, to just plead ignorance or call it a misunderstanding. Baloney. Stop these companies from being lazy and require them to do their due diligence before placing a single call. It was a waste of two hours out of my day trying to gather information from a year ago to prove to them this balance had been paid. Infuriating. 
XXXX 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have send 2 letters with attached requested documents for my identity to Equifax. I have several items reporting incorrectly on my credit report. They always use to send a generated report not proof, no verification no requested documents etc. I have not received any verification or deletions to my recent disputed claims with them. I sent this information via Certified mail. They are failing to provide and proof due by federal mandate. They are reporting inaccurate information, cards that were stolen from me and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was given a {$100.00} Visa gift card for my birthday on XX/XX/XXXX and I tried to use it twice the following week and the card wouldnt work. I thought that maybe I needed to register it online, so I went onto XXXX and realized that the card was already registered to someone else and a purchase had been made the day after it was given to me by someone that is not me in a city where I do not live and there was only a {$.00} balance left on it. I followed the instructions to register it as stolen after calling the lost and stolen number on the paper included with the card, which included faxing in a copy of the card, my ID, and writing a letter asking XXXX XXXX ( the company who handles the card ) to open a fraud investigation. I faxed all of the information in, and after three tries of sending in physical and electronic faxes ( through an app ) they still hadnt transferred the card to my name or opened an investigation. I talked w/a supervisor on XX/XX/XXXX and told her that I wanted a different option for sending in their required info, and she gave me the address of where I could send hard copies of this information, which I immediately did. I still had not heard anything back on XX/XX/XXXX, so called in again and was told that they had transferred the card to my name and received all of my paperwork and were opening an investigation. As of XX/XX/XXXX, I called back again and was told that the card was NOT in my name. I called back on XX/XX/XXXX to  talk to a supervisor and was told that they are still in the process of putting the card in my name and that it may take an additional 90 days to do the fraud investigation. When I asked that customer service rep what company he worked for because I was going to file a complaint he told me, " XXXX XXXX ''. I specifically asked him, " that is the company name? '' and he said " yes. '' I believe he intentionally gave me the wrong information as the card is drawn from XXXX XXXX so that I would not have accurate info for a complaint. This company has been an absolute disaster to work with, with numerous people giving me inaccurate and erroneous information for something that was NOT my fault and that should be easily rectified and they have made it incredibly difficult every step of the way. I have now spent hours on the phone, doing faxes, and sending papers just to get a replacement {$100.00} gift card, and every time I call I have to go through the same process over and over again and there is never any progress or solution. I believe they are making it intentionally difficult so that they do not have to give me a replacement card.

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 2019-02-19 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:
I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I got with a New Inquiry from Santander Bank Na on XX/XX/2018 from XXXX. I noticed this through XXXX XXXX on my XXXX  XXXX online account. Around XXXX I called up both companies about this fraud situation and both said they would remove it. I than had called a second a third time. I want to say new years day last time I spoke to with both companies and both would assure me would come off in 7-14 business days. Nothing has ever come off.

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 2019-02-19 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This company is so unprofessional. They have yet to respond to my complaint let alone fix my online account! I have asked several times to get my online access to be fixed and no one will do ANYTHING to fix it. I have tried countless times and NO ONE does anything ... I REPEAT ... .NO ONE. 

this needs to be removed off my credit report asap or i will get legal involved!

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 2019-02-19 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: GA

Complaint narrative:
There are several items reporting on my credit file that do not belong to me. These items are reporting on my credit report as a result of identity theft. Please assist me in getting these items removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX, Incorrect Names : XXXX, Now XXXX, XXXX, XXXX Unauthorized Inquiries : XXXX XXXX XXXX  XXXX  XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-02-19 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: GA

Complaint narrative:
There are several items reporting on my credit file that do not belong to me. These items are reporting on my credit report as a result of identity theft. Please assist me in getting these items removed from my credit file : OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, Incorrect Names : XXXX, Now XXXX, XXXX, XXXX  Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Times ) XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-02-19 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: OH

Complaint narrative:
I have been going over my credit report and I seen some accounts and Inquiries I do not recognize on my report. I have never done business with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX to send me files and paperwork and I have never received anything to review. I have filed several complaints with the Consumer Financial Protection Bureau, this matter just seems to continue. I had moved a few time in and out of the XXXX area and someone has obviously accessed my personal information.

Company response to consumer: Closed with non-monetary relief