vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-22 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? This effort from your agency seems biased and concerted since many in our credit group have used this avenue successfully and suddenly you claim an issue. Your agency has a well-known reputation so I sought professional advice in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX  XXXX XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine INQUIRIES EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX/XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized AS REPORTED, THESE ARE NOT MINE Please sent me dispute results and a complete updated copy of my credit 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 2020-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: AL

Complaint narrative:
I PAID OFF A COLLECTIONS ACCOUNT FOR XXXX XXXX XXXX   CARD FOR ACCOUNT ENDING # XXXX Jefferson CAPITAL SYSTEM REF # XXXX. THIS WAS PAID OFF ON XX/XX/XXXX. tHEY WILL NOT RELEASE THIS INFO TO XXXX  XXXX XXXX. iT IS NOXX/XX/XXXX IM WAITING ON THIS FOR LOAN APPROVAL AND THEY WILL NOT REPORT IT PAID IN FULL ... yET THEY CAN HARRASS AND ACT LIKE VULTURES WHEN NOT PAID. iS THERE NO PROTECTION FOR THE PERSON THAT PAYS? THEY SHOULD HAVE TO REPORT THE ACCOUNT PAID FOR SINCE IT IS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have submitted several disputes to Equifax in reference to a paid Medical collections debt in the amount of {$340.00}, that continues to be listed as in collections and unpaid on my credit report. My last attempt was to resolve this matter was on XX/XX/XXXX. I received notice that the investigation was completed on XX/XX/XXXX. The account remains listed as unpaid. This debt was being paid through my state income tax garnishment. According to my record from the XXXX XXXX XXXX XXXX, an amount of {$370.00} was paid to XXXX XXXX XXXX HOSPITAL in XX/XX/XXXX. 
Please note that XXXX XXXX XXXX HOSPITAL was renamed to XXXX XXXX. 

I have attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: MO

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX  XXXX {$130.00} XXXX {$300.00} XXXX  XXXX XXXX {$1600.00} XXXX  XXXX {$3300.00} CHAPTERXXXXBANKRUPTCY DISMISSEDXXXX {$0.00} CHAPTERXXXXBANRUPTCY DISMISSEDXXXX  {$0.00}

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 2020-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
Check n Go charged off the amount of XXXX on account # XXXX on XX/XX/2015. XXXX was assigned the loan to collect on the debt I paid XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX rep XXXX XXXX the final payment on XX/XX/2015 and received a paid in full letter. I call Check n Go advised them of the payment but I received a call from XXXX XXXX XXXX XXXX trying to collect on the debt again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
NO USAA PERMANET FRAUD CREDITS PROVIDED. see Review XX/XX/XXXX. USAA fraud department decided it was not fraud. See attatched XX/XX/XXXX Statement. XX/XX/XXXX XXXX  credited {$200.00} & XX/XX/XXXX XXXX  credited {$280.00}. See TOTAL PAYMENTS CREDITS THIS PERIOD {$910.00}. NO USAA CREDITS. ALL MERCHANTS CREDITS. Kindly Note, XX/XX/XXXX SECURITY ADJUSTMENT ( OF ) ** A USAA REVERSAL OF CREDIT. {$120.00}?? {$210.00}?? card XXXX. These MERCHANTS CREDITS WERE CREDITED XX/XX/XXXX. These are NOT USAA CREDITS. card XXXX XX/XX/XXXX {$110.00} usaa reversal of credit SECURITY ADJUSTMENT ( OF ) This was paid by XXXX  XX/XX/XXXX. See XX/XX/XXXX {$200.00} & {$280.00}. SECURITY ADJUSTMENT ( OF ) usaa reversal of credit This was just paid by XXXX XX/XX/XXXX of same month?? Again USAA PROVIDED NO CREDIT NO FRAUD ON ACCOUNT. USAA REVERSES MERCHANTS CREDITS. IF NO FRAUD & NO CREDITS WHY DOES USAA GET TO TAKE MERCHANTS CREDITS LEAVING ME WITH FRAUD??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: ID

Complaint narrative:
I have been a customer in good standing for many years with XXXX XXXX. 2 months ago I started receiving collection notices from Jefferson Capital for XXXX. I contacted XXXX  and they said I am a good customer and I do not owe an old collections bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NH

Complaint narrative:
Back in XXXX I co signed for a loan, and she did not pay so they came after me, they called my family members, called my employment, harassed my family members to no end, I was able to get into an agreement which I paid faithfully for 15 months, when that came to an end which when this all started in XXXX of XXXX or XXXX they informed me when I pay the payment for 1 year never late I could get released off the loan, which when I called they informed this was not correct, so again i paid a higher amount for 15 months and when that payment plan stopped, I called cause they raised the amount another XXXX  a  month, which I called and told them I couldn't do I am a single mom taking care of the house on my own, they didn't care again I told them you told me if I paid I could get released, nope can't do that. They never once bothered her or her family members so when this whole virus thing started I called for a forebance and was told NO only a month, but finance charges would continue, called back 3 weeks later and they finally allowed 3 months, but the finance charge of XXXX would continue. I refinanced my home to get out from under this bank, they are so rude, do not work with you at all I was hoping since I paid for almost 2.5 years being a cosigner they would take a reduced payment due to paying alot of finance charges, and they telling me I could get off the loan after paying 1 year, nope had to pay this in full they wouldn't knock off anything, when this all started with little over XXXX after all these months 2.5 years I owed over XXXX when i just paid this off. That is crazy.. This is so unfair to a cosigner they don't bother the signer, and are so rude. It ruined my credit and I should have just let them write if off but as a cosigner I did the right thing, there is just so much that Sallie Mae has done it is crazy they are allowed to beat people down that are standing up and doing the right thing ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? This effort from your agency seems biased and concerted since many in our credit group have used this avenue successfully and suddenly you claim an issue. Your agency has a well-known reputation so I sought professional advice in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX  XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized AS REPORTED, THESE ARE NOT MINE Please sent me dispute results and a complete updated copy of my credit 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 2020-06-22 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: LA

Complaint narrative:
I have talked to Equifax, XXXX, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Original Debtor was medical, with XXXX XXXX of XXXX XXXX. Two different collection agencies are listing the debt on my report, resulting in a double posting for the same debt. All XXXX XXXX debts were forgiven me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: MO

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX  XXXX {$130.00} XXXX {$300.00} XXXX  XXXX XXXX {$1600.00} XXXX  XXXX {$3300.00} CHAPTERXXXXBANKRUPTCY DISMISSEDXXXX {$0.00} CHAPTERXXXXBANRUPTCY DISMISSEDXXXX  {$0.00}

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 2020-06-22 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: MO

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX  XXXX {$130.00} XXXX {$300.00} XXXX  XXXX XXXX {$1600.00} XXXX  XXXX {$3300.00} CHAPTERXXXXBANKRUPTCY DISMISSEDXXXX {$0.00} CHAPTERXXXXBANRUPTCY DISMISSEDXXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I've been using a app called XXXX for help with money and recenlty the bank said they no longer support allows me link accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX {$120.00} XXXX {$130.00} XXXX {$1500.00} XXXX {$5100.00} XXXX {$150.00} XXXX XXXX {$22000.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX {$260.00} XXXX {$720.00} CHAPTERXXXXBANKRUPTCY DISCHARGEDXXXX {$0.00}

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 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
I get phone calls every weekday and sometimes on the weekends from Municipal Services Bureau saying that they care calling on behalf of the Hawaii XXXX XXXX XXXX. The message is automated so I can't talk to a person. They refer me to a website ( XXXX ) and a they leave a phone number ( XXXX ) XXXX. However, when I look on the website the names of the people who owe are not mine. I'm worried that if I call them and talk to someone that they can continue to bother me with phone calls because I responded to their call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I sent Portfolio Recovery a letter asking for verification of the debt that they say I owe. No reply was ever received back from Portfolio. where is the signed contract that shows I ever had a contract with the original creditor of XXXX. It is well pass 30 days, I ask that this negative fraudulent account be deleted from my credit report ( s ). They are in violation of FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX {$120.00} XXXX {$130.00} XXXX {$1500.00} XXXX {$5100.00} XXXX {$150.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX {$260.00} XXXX {$720.00} CHAPTERXXXXBANKRUPTCY DISCHARGEDXXXX {$0.00}

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 2020-06-22 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX {$120.00} XXXX {$130.00} XXXX {$1500.00} XXXX {$5100.00} XXXX {$150.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX {$260.00} XXXX {$720.00} CHAPTERXXXXBANKRUPTCY DISCHARGEDXXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: WA

Complaint narrative:
The contract I have with CELINK ( XXXX XXXX XXXX, XXXX Mi XXXX ) states that the interest rate may change ( date to look at XXXX ) 30 days before " change date " my change date is XX/XX/XXXX. The last change by the company used a date before the 30 days, ( in XXXX ) when XXXX was higher than it was at the contract specified date resulting in a higher rate than it should have been. I complained to them to no avail. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: VI

Complaint narrative:
On three occasions I have submitted my monthly mortgage payment to BSI. I have received confirmation emails each time. The funds have not been taken from my account and I continue to receive delinquent payment notices. I have contacted BSI and received no assistance. 

Dates payment confirmed as processing : - XX/XX/2020 : {$1600.00} - XX/XX/2020 : {$1600.00} -XX/XX/XXXX: {$1600.00} Online form to BSI requesting assistance and follow-up : XX/XX/2020 Delinquent Notice letter dated XX/XX/2020 despite two previous payment confirmation emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This collection agency has not legal verified the debt and sent me conflicting information regarding the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I want to like my account with external providers and can not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: OR

Complaint narrative:
A year ago I worked for many hours to help heal myself from identity theft but Equifax refuses to help but instead abuses me. This collection is the result of identity fraud. I have filed multiple police reports, complaints, contacted Equifax dozens of times and even filed a XXXX   report against this fraudulent collection company but Equifax refuses to take the fraudulent collection file off my report but they allow it to update instead of falling off. This is abuse. I demand that this collection report be removed from my file immediately. Honestly I wish I could ask for an apology from Equifax but I know that is impossible. 

Date Reported :XX/XX/XXXX Collection Agency XXXX XXXX   Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance DateXX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XX/XX/XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation