vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
XXXX XXXX XXXX is illegally reporting a more recent status date of XX/XX/XXXX on a XXXX phone bill debt from XX/XX/XXXX to XXXX and XXXX. The debt is past the statute of limitations for collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 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: TX

Complaint narrative:
I have contacted Experian on numerous accounts asking for verification on items that they are showing on my credit file. Repeatedly, they send back the same generic XXXX  response with no validation of my findings.The FCRA requires all CRAs to VERIFY all information received from the creditors BEFORE adding them to your credit file but since it will be time-consuming and costly, they are taking the shortcut by doing everything electronically which is not how the FCRA says it should be done. To help you know exactly where in the Fair Credit Reporting Act it says the Credit Reporting Agencies must provide copies of your signed documents that verifies the accuracy of your accounts in their files, CRAs are supposed to be in 100 % compliance with the law. I just received a new report from Experian showing the same erroneous items brought to their attention before. I have attached it as a document for verification. They need to be fined and quit being XXXX by helping their inner circle. It 's the law to be fair and just.

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 2018-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
Over the past few I been dealing with a company in XXXX Florida MG Credit.They have placed negative information on my credit reports and I been disputing a account from XXXX XXXX.I never received a letter from MG Credit stating that Im obligated to pay them nor they sent proof of debt.The credit bureaus deleted this information a while back but the account was placed back on my account with no validation of debt.To this day they have n't presented any proof that I owe this debt of {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 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: AR

Complaint narrative:
I have several credit inquiries from multiple companies. I contacted Equifax to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issued, Just an unauthorized inquiry. The information is still on my report and i cant get any help from Equifax or the companies.1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX/XXXX/XXXX/XXXX 8.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I never had a utility bill in my name, I do n't know who account this is that they are saying I owe. This negative account on my credit is causing problems on my credit report. I 've never rented a home, or bought a home, I do n't have a need for any utilities in my name. Please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After paying for a monthly service through Experian, there have been two additional collections accounts placed on my credit report. I do not owe the money which has been added to the report and a credit lock, fraud alert has been in place for several years. The most recent fraud alert was added this month. Someone in XXXX, Florida has added a {$200.00} consultation fee to my credit report twice. The collection is not my account, and I have not received any consultations in XXXX Florida. When calling the number listed at the Experian website several times, there was no answer. When accessing the online account there was again, no access allowed to dispute the added collection. The monthly fee has already been paid and was about {$25.00} per month last couple of months service fees.

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 2018-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
On or around XX/XX/XXXX or XX/XX/XXXX I think not percent sure but I went to MG Credit here in my city of XXXX FL and I spoke to a XXXX XXXX male, at a house where when I walked in there were dogs running around so I 'm not sure if they were a business or not.But I saw a new debt on my credit report regarding a gym membership and announced who I was and that I may know about debt but was n't sure.i ask if I can pay for delete and get a letter before I make some kind of payment but he insisted that I pay first then he would give me a letter and delete information.It sounded sketchy so I left.As I walked out of door I also thought to myself that they never sent information in the mail nor validate the debt showing that I 'm obligated to pay MG Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover kept billing me a return fee for a bank account they incorrectly set up on my account by using the wrong routing number. Been trying for months to resolve the issue and they kept billing me return fees and negatively affecting my credit score. Money never came out of the account because Discover never sent ach payment to the right bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MI

Complaint narrative:
This is not my account, I 've never authorized for services through XXXX XXXX XXXX. If they can prove with a written signature that I authorized this services, please have them show that. I have never had XXXX XXXX XXXX services. I do n't rent a home why would I need this service. This is not 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 2018-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I called Equifax to file a dispute and was promised it will be filed but they ended up not filing the dispute instead they simply blocked me out from being able to call them and as of today 3 weeks later they still did n't initiate the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I 've been trying for months to get an online account to pay my bills. Capital One is refusing to get me access to pay them. They deleted my online account, and for months my account username : XXXX said I had no accounts with them. I do n't have the cards and they want a CVV number to them. They 're negatively reporting to the credit agencies information that I ca n't address because Capital One is refusing to give me online access and my account numbers to send payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX was suppose to be receiving payments under a debt program at a min payment of {$20.00}. The program messed up my payments and XXXX XXXX triggered an end to the program I was paying under and negatively reporting late payments to the credit score agencies when the account is up to date receiving payments.

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 2018-01-01 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: AR

Complaint narrative:
Experian is reporting two collection agencies trying to collect on a fraudulent debt that is not mine.XXXX XXXX is reporting a debt to Experian for {$790.00}. XXXX  XXXX is also trying to collect on the same fraudulent debt for $ XXXX.The original creditor is XXXX on both accounts.I have asked experian to remove both collects as they are fraudulent and duplicate accounts.Please Help.

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 2018-01-01 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have been receiving letters from XXXX for over a year. Saying that I owe them money. 
XX/XX/XXXX statement 2016 I owed {$170.00}. Unable to charge on the card because they say I was late, no more charges have been made. 
I made a payment of {$150.00} XX/XX/XXXX. I made another payment in XX/XX/XXXX of {$75.00} and {$75.00} in XX/XX/XXXX. I still continued to receive letters that I owe the {$320.00} but now acknowledgment of the payment or explanation of why the balance is n't going down or why it is still going up. I have asked repeatedly for a statement of my charges and they have not given me one. 
Just letter " trying to collect a debt. 
To me it is paid off. They need to correct the credit agencies records which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 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: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I have disputed with XXXX XXXX more times than I written down Requesting validation bearing my signature from the disputing them with the credit bureaus. and they refuse to send me the correct validation I requested 1. When was the account opened. 2. The first time I missed a payment. 3. When did you take over the account 4. Validation that is a competent evidence bearing my signature showing that i have or ever had some contractual obligation to pay you. They will not release this information to me and its been way over a year. Also I can submitted by mail a certified mail receipt and letter I wrote and the company never responded the so called original credited and any company that represent them with again no responds from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 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: Texas Guaranteed
State: FL

Complaint narrative:
I paid off my defaulted student loan with Texas Guaranteed last XXXX 2016. I just received a credit alert from my credit monitoring service stating that Texas Guaranteed has placed my account in a charge off status. I paid my loans off in full and my account should be reflected as such on my credit report. A charge off status implicates that I have not fulfilled my obligation with this company which is not the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: IA

Complaint narrative:
I was in a car accident and had a lawyer involved who paid all my medical debt that was caused by this accident. Before the lawsuit was settled the medical bills did however go to collections. But when the debt was settled my lawyer paid the hospital and not the collection company. So this debt has been paid. I never received a bill about this debt and then all of a sudden I got a notification that my credit report had a debt collection on it which was from XXXX XXXX being collected by Phoenix Financial Services for {$1500.00} and one for a {$100.00}. These debts have been paid by my lawyer and I am no longer responsible for this debt. Also I am one who had my XXXX credit report hacked so its possible this could be a fraud attempt to get money from me. These collection debts are appearing on all three credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I recently submitted a complaint ( complaint XXXX ) and received a response that the issue was resolved. It seems that the issue has not been resolved. 

I am unsure why I was given faulty information. 

Based on that information, I had made specific plans and was dismayed when I discovered that those plans would have to be canceled. 

After several subsequent conversations with American Express representatives, including a call back from a supervisor in the respective department handling this issue, I am no closer to a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have sent a notice of dispute with XXXX XXXX XXXX. I ahve no knowledge of this account belong to XXXX XXXX XXXX. I have never signed a contract or made any transaction with XXXX XXXX as well as XXXX XXXX, XXXX as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 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: FL

Complaint narrative:
I paid off my defaulted student loan with XXXX XXXX last XXXX 2016. I just received a credit alert from my credit monitoring service stating that XXXX XXXX has placed my account in a charge off status. I paid my loans off in full and my account should be reflected as such on my credit report. A charge off status implicates that I have not fulfilled my obligation with this company which is not the case.

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 2018-01-01 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: FL

Complaint narrative:
I obtained a few student loans through the XXXX XXXX XXXX/XXXX  and am very grateful for it. However, around XXXX XXXX 2013 and before, my understanding, was that my loans were in deferment ( 2 student loans on XXXX/2013 reported 90 days late ). It has just come to my attention that it is and has been reporting as 90 days late. If I knew about this earlier, or IBR, then this issue would have never occurred. I am wondering if XXXX XXXX XXXX/XXXX would be kind enough to remove this 90 day late from both XXXX XXXX XXXX/XXXX Accounts, as it 's really hurting my credit score, and hindering my attempt of being a home-owner one day. I have made my payments current for about 2-3 years or so, and I hope that would be taken into account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I obtained a few student loans through the XXXX XXXX XXXX/XXXX  and am very grateful for it. However, around XXXX of 2013 and before, my understanding, was that my loans were in deferment ( 2 student loans on XXXX2013 reported 90 days late ). It has just come to my attention that it is and has been reporting as 90 days late. If I knew about this earlier, or IBR, then this issue would have never occurred. I am wondering if XXXX XXXX XXXX/XXXX would be kind enough to remove this 90 day late from both XXXX XXXX XXXX/XXXX Accounts, as it 's really hurting my credit score, and hindering my attempt of being a home-owner one day. I have made my payments current for about 2-3 years or so, and I hope that would be taken into 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 2018-01-01 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: CA

Complaint narrative:
I JUST BECAME AWARE OF A LIEN REPORTED IN MY CONSUMER CREDIT REPORTING AGENCIES. I HAVE NO KNOWLEDGE AND NEVER CONSENT OR HAVE ANY CONTRACT FROM SUCH REPORTED LIEN.

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 2018-01-01 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:
I JUST BECAME AWARE OF A LIEN REPORTED IN MY CONSUMER CREDIT REPORTING AGENCIES. I HAVE NO KNOWLEDGE AND NEVER CONSENT OR HAVE ANY CONTRACT FROM SUCH REPORTED LIEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I JUST BECAME AWARE OF A LIEN REPORTED IN MY CONSUMER CREDIT REPORTING AGENCIES. I HAVE NO KNOWLEDGE AND NEVER CONSENT OR HAVE ANY CONTRACT FROM SUCH REPORTED LIEN.

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 2018-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I started on IBR 3 or so years ago with a payment of XXXX a month. Once on that I was all good and on time. I kept that payment for about two years. After that even though my income has NOT doubled they doubled my payment. I have struggled at XXXX a month. I have asked for help on the phone and nothing. This last time when I submitted for renewal of my IBR I sent written request to please not increase it my income had not changed and they raised it to XXXX. I am a single mom. I can not afford that payment. I dont like being late but they dont want to help and have said they wont or cant. I get maybe a 3 percent raise a year and I dont see how raising my payment so much even reflects my ability to pay. Please help me. I dont want to default and I am making payments but still losing ground because they wont help. I know they have been in trouble as have the college I went to. I was never told how much this would impact me or how devestafing it would be. I guess I made a big mistake going to collage.

Company response to consumer: Closed with explanation