vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
In XXXX 2014 XXXX XXXX XXXX have a collection account in my name from XXXX doctors in the amount of {$80.00} and it 's reporting on my Equifax credit report. This debt does not belong to me and I have reached out 3 times asking for them to provide documentation showing this debt belongs to me. All they ever send me is a response stating this debt belongs to me, without any documentation to back up the claim that is false. This is a debt that should not even exist my child had medical coverage and my insurance covered this and it was paid in full. I have reached out to them by mail on 3 separate occasions and they are not complying and most of all they are " VIOLATING THE HIPPA LAW '' I am demanding them remove this debt off my credit as this is not an outstanding debt of mine!! Please have this removed ASAP as they are violating the HIPPA law

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: IN

Complaint narrative:
In XX/XX/XXXX, I applied for financing through XXXX XXXX XXXX XXXX XXXX, a used car dealership, online. I got a phone call from a XXXX 's employee asking to send XXXX XXXX XXXX an email with my written consent to run my credit score to determine eligibility. I specified that I only authorized XXXX XXXX XXXX to run my credit. My credit score was run, and I was approved for financing, although for a different car than the one I applied for. I received a notification on my cell phone via the XXXX app stating that my credit score had dropped. After checking my report, there were XXXX other hard inquiries on my credit report from various banks/financing offices that I did not authorize to run my credit score. These reports were all run on the same day, XX/XX/XXXX. My credit score dropped about 100 points because of these hard inquiries. XXXX XXXX XXXX, in XXXX, Indiana was another car dealership that I authorized to run my credit, whom I previously applied for financing with last year and nothing like this happened. I have contacted XXXX XXXX XXXX two times with no reply.

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 2017-11-08 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: IN

Complaint narrative:
In XX/XX/XXXX, I applied for financing through XXXX XXXX XXXX XXXX XXXX, a used car dealership, online. I got a phone call from a XXXX XXXX employee asking to send XXXX XXXX XXXX an email with my written consent to run my credit score to determine eligibility. I specified that I only authorized XXXX XXXX XXXX to run my credit. My credit score was run, and I was approved for financing, although for a different car than the one I applied for. I received a notification on my cell phone via the XXXX app stating that my credit score had dropped. After checking my report, there were XXXX other hard inquiries on my credit report from various banks/financing offices that I did not authorize to run my credit score. These reports were all run on the same day, XX/XX/XXXX. My credit score dropped about 100 points because of these hard inquiries. XXXX XXXX XXXX, in XXXX, Indiana was another car dealership that I authorized to run my credit, whom I previously applied for financing with last year and nothing like this happened. I have contacted XXXX XXXX XXXX two times with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: MO

Complaint narrative:
XXXX XXXX is frivolously reporting information on my credit report I appealed the original debt as XXXX made numerous errors. 

1. I was a XXXX XXXX XXXX and their counselor failed to add me as a XXXX XXXX XXXX therefore messing up my student loans and grants 2. I filed an appeal and was advised by XXXX Bursars office I could attend the hearing in person to show evidence and dispute this debt however was not permitted to do so therefore had NO due notice and violated my constitutional right to defend my case in person 3. XXXX is being investigated for Falsifying information on my student loan application 4. This debt is the fault of XXXX and not mine due to their errors and a lawsuit may be filed in XXXX County Mo asking this debt be dissolved This collection was on my report before and taken off by credit agency therefore pursuant to the FCRA needs deleted indefinitely

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 2017-11-08 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
XXXX XXXX is frivolously reporting information on my credit report I appealed the original debt as XXXX made numerous errors. 

1. I was a XXXX XXXX XXXX and their counselor failed to add me as a XXXX XXXX XXXX therefore messing up my student loans and grants 2. I filed an appeal and was advised by XXXX Bursars office I could attend the hearing in person to show evidence and dispute this debt however was not permitted to do so therefore had NO due notice and violated my constitutional right to defend my case in person 3. XXXX is being investigated for Falsifying information on my student loan application 4. This debt is the fault of XXXX and not mine due to their errors and a lawsuit may be filed in XXXX County Mo asking this debt be dissolved This collection was on my report before and taken off by credit agency therefore pursuant to the FCRA needs deleted indefinitely

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 2017-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
When I contacted walmart regarding the interest fee on my credit card, i asked how much was the intrest fee and how often? They said to me it was every month and that is was only {$12.00} intrest a month. 
I believed it but always wondered why i owed so much money? I just received a new card and the app to log into my account and so i did, thats how i got to see they are charging me wayyy more for intrest than i can imagine and for every purchase i believe? 
My monthly payment is, every XX/XX/XXXX i always give my payment before the XX/XX/XXXX yet they still gave me a late fee on XX/XX/XXXX when i gave my payment XX/XX/XXXX!?!?!?!? I DONT UNDERSTAND!? 
So far i can only see my interest fees from XX/XX/XXXX its : ( XX/XX/XXXX interest fee {$34.00} ) ( XX/XX/XXXX interest fee {$35.00} ) ( XX/XX/XXXX interest fee {$34.00} ) ( XX/XX/XXXX interest fee {$34.00} ) ( XX/XX/XXXX interest fee 37.51 & late fee XXXX ) ( XX/XX/XXXX interest fee {$36.00} ) ( XX/XX/XXXX interest fee {$38.00} ) And for this month i already paid {$100.00} on XX/XX/XXXX. 
The balance on my account does n't go down AT ALL! I will be attaching pictures and prove of what i am talking about i circled everything in different colors on the pictures ( Sky blue means : Month, Payment & Payment Date ) ( Yellow : Interest Fees ) ( Red : Late Fee ) ( Green Means : Not Sure What They Charged )

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 monetary relief
Consumer complaint received 2017-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Im a veteran of the united states XXXX and when i departed from the XXXX I left $ in the credit union. I had 2 accounts. I thought maybe it would draw interest. Well when i tried to access it no info found I even had a loan through them and they got me in trouble I lost my SECURITY clearance and was sent to detention. Extra duty they took my money 4 45days and took all i had. This was navy federal credit union. Then in XX/XX/XXXX or XX/XX/XXXX I opened another account to access my old account they took my taxes and cancelled the account access and closed my 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 2017-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
In XXXX 2014 XXXX XXXX XXXX have a collection account in my name from XXXX XXXX in the amount of {$80.00} and it 's reporting on my XXXX credit report. This debt does not belong to me and I have reached out 3 times asking for them to provide documentation showing this debt belongs to me. All they ever send me is a response stating this debt belongs to me, without any documentation to back up the claim that is false. This is a debt that should not even exist my child had medical coverage and my insurance covered this and it was paid in full. I have reached out to them by mail on 3 separate occasions and they are not complying and most of all they are " VIOLATING THE HIPPA LAW '' I am demanding them remove this debt off my credit as this is not an outstanding debt of mine!! Please have this removed ASAP as they are violating the HIPPA law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: WA

Complaint narrative:
I have tried contacting ACS Education about my loan status since I no longer can log into my account for 3 weeks now. I never received an email or phone call about my loan. I looked online and realized a possibility is my loans were bought and transferred to another company. How am I supposed to figure out which company my loans are with if no one will get back to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
In XX/XX/XXXX, I filed a dispute with all three credit bureaus to have my credit reports reflect the satisfaction of mortgage filed by the mortgage company, Caliber Home Loans, in my local county recorders office. My credit file with all three bureaus was reporting a balance owed of {$72000.00}, payment status of collection/charged off, account status of closed derogatory, and remarks stating charged off.They did change the balance owed to {$0.00} at two of the credit bureaus after the dispute, but not the other items mentioned above. I called the mortgage company on XX/XX/XXXX. I was transferred to department after department. I was finally told that I needed to speak to the loss and recovery department. I was given the loss and recovery departments email address and phone number. I called the number several times, but you only get the voicemail which is almost always full so you ca n't leave a message or the line just hangs up. I was able to leave a message once or twice. I sent an email, still no response. My daughter did, however, receive a phone call from a customer service rep who was n't able to help much. She stated that we need to speak with the loss and recovery department as well and the circumstances under which they would change the credit reporting. She only called because my daughter contacted the title company who handled the processing of the satisfaction of mortgage and they emailed someone at Caliber and gave them my daughters info. I contacted the collection agency that supposedly had my account, they refused to talk to me after they found out about the satisfaction of mortgage. The satisfaction of mortgage was filed in XX/XX/XXXX by Caliber Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: CA

Complaint narrative:
I had a American Express Corporate credit card with my past employer XXXX. I had the card for 3 months and always paid the bill in time Just before leaving XXXX - I had booked a business trip which finally I did NOT end up taking, the Airline had a non-refundable ticket which even after being cancelled showed up as a charge on my statement I was contacted by American express and was asked to contact XXXX XXXX at XXXX who will help me file a expense report. I contacted this person 4 times and left detailed voicemail -- I did NOT get any response back American express is now harassing me by calling my cell number, sending updated bill with penalty charges every week I had explained to American express customer service agents multiple-times that this is NOT a bill am willing to pay - since i did NOT avail the flight services for which the charge is shown on the credit card The attached statements show the frequency & threats of the collection mails and harassment by American express

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: First Credit Services Inc.
State: TN

Complaint narrative:
I have an account reporting on my credit file as of XX/XX/XXXX that is in collections for {$180.00} with XXXX XXXX XXXX. I just turned XX/XX/XXXX of this year. This is not my account. I tried to dispute it online with the credit bureaus today but was unable to create an account due to my age.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax failed to correct their error on 2nd mortgage from XXXX that the loan was paid off full. They claim from XX/XX/XXXX to XX/XX/XXXX late payments however they failed to honor the letter from that company. Company letter state clearly loan paid in full without any late payments. 
Second issue XXXX XXXX XXXX XXXX went out of business in XXXX, KS and their credit card issued is closed based on closure of company with no payments or balance. 
Third issue since Equifax breech they all of sudden change my credit rating from XXXX as of XX/XX/XXXX down to XXXX currently without reason or justification. Since the breech I 'm on a temp watch on this company but I do have other agencies watching my credit since their system failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I entered into an agreement with Citibank for a merchant account in XX/XX/XXXX. I tried to cancel the account in XX/XX/XXXX but Citibank said they would charge me {$500.00} to close the account because I had signed a document agreeing to keep the account open until XX/XX/XXXX. I disagree with their assertion that I agreed to a three-year contract as they do not have an original signature from me and I do not recall reviewing any such clause, but I accepted that decision. I was told by Citibank that I could cancel the account on or after XX/XX/XXXX and would not be charged a fee. I have paid a service charge every month since then to keep the account open. I have not used the account and I have made the payments. I called Citibank on XX/XX/XXXX and spoke with XXXX ID # XXXX and explained the history and said that I was told I could now cancel the account and wished to do so. I confirmed with her that there would not be any charge to do so. She confirmed that there would not be a fee. However, I was charged a {$500.00} cancellation fee by Citibank on XX/XX/XXXX. I agreed to Citibank 's terms and kept the account open for an additional year, even though I never used it, to avoid paying the cancellation fee. I waited until they said I could cancel it without a fee. I then cancelled it and confirmed with the Citibank employee, XXXX, that I would not be charged a fee and I was charged a fee anyway. I feel like this is further example that Citibank is fraudulently charging me fees and I feel that they should be stopped from doing so. I expect a refund and I am contacting my own bank to dispute the charge and take whatever actions I can against Citibank for fraudulently charging me. 

Refer to my original claim submitted to CFPB in XX/XX/XXXX - that will have further history and documents, as well as Citibank 's response. Case number is 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 monetary relief
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: IL

Complaint narrative:
Hi. I am contacting you regarding a few medical bills that are on my credit report. 

1 ) I never received notice from the doctor or the debt collector that these bills were even due. In fact, I have seen this doctor as recently as last month. Never once did the office mention these bills, I only found out about them after viewing my credit report. 

2 ) These medical bills are for a nerve block procedure that I receive for XXXX related XXXX. The doctor who gives the shots is a XXXX XXXX. My credit report now has in bold letters, that I have been treated at the " XXXX XXXX XXXX '' clinic. 

For one, I was not even treated for XXXX. Even so, this is a severe breach of the HIPAA Privacy Rule, as anyone who pulls my credit ; from potential employees, to landlords, will see what appears to be my medical history ; that I am being treated for some sort of XXXX. This would translate to them, as missed work days and rent payments. 

3 ) Furthermore, these bills were all incurred while I was a student at XXXX XXXX. My father is responsible for all of my medical bills as long as I am still in XXXX. 

I contacted all 3 credit bureaus. XXXX removed all 3 Choice Recovery accounts from my credit report. XXXX for some reason removed 2 of the 3 accounts, and left one of them. XXXX did not remove any of the accounts. 

I contacted the collection agency and the rep seemed quite pleased to inform me that they will not bill my father, and that even if I paid the bills, they would not remove the accounts or the incriminating information. 

I have submitted screenshots of the Choice Recovery accounts on both XXXX and XXXX. I have also submitted copies of .the court order stating that my father is responsible for my medical bills. 

The collection agency is : Choice Recovery XXXX XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Please let me know if there is any other information you need and if you will be able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is AGAIN, continuing it well documented XXXX XXXX negligent reckless XXXX suppression conduct. Per the attached documentation, I was provided with a modification of my mortgage Equity line of credit XX/XX/XXXX to start with the trial payment of {$580.00} XX/XX/XXXX. I accepted the offer and have made EVERY payment on the trail period, and the actual approved equity line modification to date XX/XX/XXXX. 

The previous monthly payment amount of as shown on the attached XXXX credit report dated XX/XX/XXXX was {$1600.00} per month which NO LONGER existed starting XX/XX/XXXX per the loan modification approval letter, and above mentioned payments ... 

On my most recent credit report dated XX/XX/XXXX, Wells Fargo is showing me as paying late from XX/XX/XXXX to XX/XX/XXXX which is incorrect relative to the attached  loan modification approval letter document, and equity line mortgage document agreement signed between us!

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 2017-11-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing an account that is being reported on my credit report as wrong information. I contacted experian and they told me to contact the creditor. I used the address on the credit report and the letter came back to me as the wrong address. How can experian verified if the address is wrong?

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 2017-11-08 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:
I am disputing an account that is being reported on my credit report as wrong information. I contacted XXXX and they told me to contact the creditor. I used the address on the credit report and the letter came back to me as the wrong address. How can XXXX verified if the address is wrong?

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