vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted letters to Credit Companies about inquiries in my report that I didnt recognize dating back to XX/XX/XXXX. They have yet to honor my request to remove the incorrect information. I submitted police reports but still no replies. 

I also show XXXX and Experian has removed a debt but XXXX XXXX still carrying it. I would also like that removed.

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 2019-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
XXXX XXXX XXXX has been harassing me and family memebers about oustanding debts they purchased but are not mine. Since they are medical bills and we all sign for treatment all I ask for is my authorization of services but they furnish nothing. They are rude and completely violate the Fair Credit Reporting Act. My next step is contacting the State Attorney General. 

Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX These are not mine and they can not provide proof that they are so I request they delete these from my credit reports from the 3 XXXX  XXXX and XXXX XXXX. These false collections are severely hurting my families well being because I can not obtain credit due to XXXX and their false activities.

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 2019-01-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I sent a dispute letter to Convergent Outsourcing ( creditor ) on XX/XX/2018. This letter stated that the information they provided was incorrect and the negative mark on my credit report was being falsely reported by them. I also asked in this letter for them to provide me with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them. 
A little over a week later, they responded with their " evidence '' and it was insufficient. The address that they had listed on the account was an address that I have never occupied. 
So, after receiving their letter I sent them a second letter on XX/XX/2018. This letter let them know that the information they are reporting is inaccurate and they have failed to show any alleged contract or instrument bearing my signature. I asked them once again to please show me any viable evidence that this account is being reported accurately, it has been over 31 days and I have not received a response.

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 2019-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased/financed a XXXX XXXX XXXX XXXX XXXX through XXXX XXXXl for {$21000.00}. On XX/XX/XXXX I place the XXXX for sale on the internet. On XX/XX/XXXX I was contacted via phone/text by a person claiming to be XXXX XXXX from XXXX XXXX LA. After agreeing on a sales price of XXXX XXXX XXXX advised me that all he needed was the VIN # of the vehicle and his bank can wire the payoff to XXXX XXXX. A few moments later I checked my XXXX XXXX account and it reflected a {$0.00} balance and that the loan was satisfied. That night XXXX XXXX set up a transporter to pick up the XXXX. I called the next morning on XX/XX/XXXX and spoke with a XXXX XXXX  representative and she confirmed the payment and advised me that the Title would be available in 20 days and confirmed my automatic payments where discontinued. On XX/XX/XXXX I was contacted by XXXX XXXX and was advised that it was a scammer and a false payment and that the full amount of {$17000.00} was still due and I would be responsible for paying it. XXXX XXXX has a legal responsibility to protect there consumers from fraud and recognizing false routing numbers and account numbers. I have filed a report with my local law enforcement and I am seeking for the loan to be forgiven and satisfied.

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 2019-01-10 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
at the time the account was opened my son was injured XXXX. The debt went to court at the time the circuit court judge threw out the judgement but the company has yet to remove this medical debt off my credit furthermore they are in violation of the HIPPA privacy act by placing medical collections on my report of the public too see which is in violation of my rights the company needs to remove off my credit report and also remove the negative markings the debt or judgement has been finalized.

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 2019-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP
State: IN

Complaint narrative:
As far as describing what happened, the letter I faxed+emailed to US Bank on XX/XX/XXXX sums everything up very well ... 

= = Re : Ref # : XXXX I submitted my application on XX/XX/XXXX. 

As part of the manual review process, additional information was requested. Faxed XX/XX/XXXX tax return, XX/XX/XXXX tax return, as well as an explanation of the history of my business on XX/XX/XXXX. 

Received confirmation of fax transmission on XX/XX/XXXX. Also confirmation via telephone of physical receipt by US Bank on XX/XX/XXXX. 

When I called for a status update on XX/XX/XXXX, the rep stated they still have NOT received any fax from me. The reversed course and said they DID receive the faxes -- but that my application wouldnt receive an answer until Friday. 

As a young woman, who is self-employed, I feel I am being discriminated against unfairly. Not counting authorized user accounts, I have 17 credit accounts in my own name with a total combined credit limit of XXXX. That includes 4 small business cards. I have never *once* been asked to submit tax documents. Further, I have never willingly submitted a testimonial of the history of my business. Went above and beyond. I havent been declined for a credit account in years. Every approval has either been instantly received online, or not taken more than 1 business day. You already pulled a copy of my credit report on XX/XX/XXXX. Tomorrow will mark the 6th business day youve been sitting on my information without making a decision. My solid personal credit history along with the testimonial/history of my company with verifiable data to demonstrate the scope of my business is *significantly* enough data to get approved for the XXXX limit I requested. Considering that I have total combined home equity of XXXX, the level of risk for the bank is non-existent. Without a doubt, we are in uncharted territory as far as the data you have requested, as well as the processing delay. I will respectfully give you until XXXX eastern time on XX/XX/XXXX to approve my application & call me at # # # - # # # - # # # # with confirmation. If US Bank fails to resolve this matter to my satisfaction, I will be submitting a formal discrimination complaint to the CFPB and FTC for violation of the Equal Credit Opportunity Act. Perfectly capable of representing my own interests, so there is no need to make idol threats about legal action. 

Faxing this letter to XXXX. Also emailing a copy to XXXX. 

= = The company failed to approve me within the reasonable timeframe I gave them as far as 1 final opportunity to make things right.

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 2019-01-10 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:
There are three inquiries on my credit report that I did not authorize. I submitted letters to the credit bureau stating I had no idea who these companies were .. They are still there so I resubmitted to all three agencies and it still remains on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: AL

Complaint narrative:
We were notified by XXXX XXXX of the problem. We have no knowledge of the debt who the company was or the amount. We contacted XXXX and they were unable to help. The company XXXX XXXX XXXX is under investigation in Texas for trying to make people pay debts they never incurred. We have filed with the XXXX XXXX XXXX in Texas and lodged a complaint. We have never had an unpaid debt .others need to take up the fight against this unscrupulous company XXXX XXXX in XXXX texas . There are no supporting documents because the loan never existed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: NC

Complaint narrative:
I have thoroughly reviewed my report and have found fraudulent items located on my report. I have been a victim of fraud recently and believe this information is a result of the fraud. I need the fraudulent items blocked immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10 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: MS

Complaint narrative:
There are three inquiries on my credit report that I did not authorize. I submitted letters to the credit bureau stating I had no idea who these companies were .. They are still there so I resubmitted to all three agencies and it still remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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:
There are three inquiries on my credit report that I did not authorize. I submitted letters to the credit bureau stating I had no idea who these companies were .. They are still there so I resubmitted to all three agencies and it still remains on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
In my compliant against credit acceptance on XX/XX/XXXX I explained that my account was paid with my insurance but Credit Acceptance was reporting my account with a balance and as a collection. Credit Acceptance responded that they were paid by my insurance company in XX/XX/XXXX and that they reported accurately to XXXX, XXXX and XXXX. Attached is the letter they wrote to me admitting that my account was paid in full by my insurance company in XX/XX/XXXX and that they requested that the credit reporting agencies list the account as closed paid in full. 
As of todays date the Credit Acceptance is reporting my account listed with XXXX and XXXXn under a collection status and with XXXX as paid closed account/settled for less than full amount old. The proof of the above listed status is attached. I have also listed proof that Credit acceptance as of XX/XX/XXXX was listing my account to XXXX with a balance owed of {$5900.00}. 

Credit acceptance has illegally reported my account status to the credit bureaus for over a year. Credit Acceptance lied when they reported to CFPB under claim # XXXX that they listed my account as paid in full with a XXXX  balance. Credit Acceptance false reporting is against the law and has prevented me from obtaining loans and credit accounts. 

Credit Acceptance should immediately notify the reporting agencies to correct my account status to closed paid in full and leave out any and all derogatory remarks such as account settled for less than the full amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: NC

Complaint narrative:
I have thoroughly reviewed my report and have found fraudulent items located on my report. I have been a victim of fraud recently and believe this information is a result of the fraud. I need the fraudulent items blocked immediately!

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 2019-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX my cell phone, XXXX XXXX, and checking account, with SunTrust Bank, was hacked. The cash amounts taken from my SunTrust checking account were : {$170.00}, {$250.00}, {$230.00}, {$320.00}, {$320.00}, and {$300.00} totaling {$1600.00}. These unauthorized transactions occurred by the name of XXXX XXXX, who I do not know. This person name was associated with the transactions, according to my checking account. 
I called SunTrust to discuss this matter and was told they had froze my debit card because of suspicious activity noticed in my checking account. I told them I did not authorize any of the transactions mentioned above. 
The Fraud Department of SunTrust performed a 10 day investigation and denied my claim because of " inconsistencies ''. I told them the truth. My cell phone was hacked on XX/XX/XXXX and I didn't have service on my phone for what seemed like 20 to 30 minutes. During that time, my XXXX XXXX  account was hacked which was linked to my checking account with SunTrust. I had to submit rebuttal paper work to SunTrust which included a copy of a text message by XXXX by XXXX, and emails from XXXX XXXX Support acknowledging fraud activity and freezing access to my XXXX XXXX because an unauthorized person had access to my XXXX XXXX   account. SunTrust told me, on XX/XX/XXXX it would be a 45 day process to review this. I really need my money back now. Please help me.

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 2019-01-10 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: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
Hello, I have a credit card with HSBC Master card with a {$3000.00} charge from a balance transfer that was not received and nobody knows anything about. It was applied on XX/XX/2018 and supposed to have been canceled 7-10 days later. I have called several times in the last 4 months and nobody knows anything or can solve the problem. I keep getting transferred from one know-nothing to the next until I am put on hold and hung up on. The charges are continuous with no resolve in sight. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: WI

Complaint narrative:
There is an Debt from Americollect for {$130.00} from XXXX. The Original Creditor was XXXX XXXX of Wisconsin. I never received a written communication about this Bill. Under FDCRA you don't have a right to collect on this Debt. Please remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Grant Mercantile Agency
State: MD

Complaint narrative:
I was supposedly charged by an ambulance company in XXXX CA. I never received any correspondence from a company called Grant Mercantile, XXXX. XXXX XXXX, XXXX, CA XXXX, who evidently was charged with the collection. I have never received a bill or charge from either company. I have not received anything ever from either company. Now I am trying to obtain a mortgage and this supposed debt is causing my stellar credit rating to be substandard. I have spoke numerous times today with a rep named XXXX. The last time I spoke with her today, she told me the computer was shut down, she could not speak with me. She said the office closed, that here computer was shut down, and the office lights were shut off. This was at XXXX PST. If you dont know what time that it, its XXXXPST. 

I was on the phone with my mortgage broker. It was infuriating. That this company, Grant Merchantile, can actually ruin a credit history I have spent a LIFETIME to keep pristine, and ALWAYS above 800, is insulting, and criminal. 
I would appreciate a call ASAP. This is unacceptable, and their license should be revoked. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bonneville Billing and Collections
State: AZ

Complaint narrative:
On XXXX-18 I sent a letter of validation request to Bonneville Collections. In my letter of validation I specified that it should be in accordance with the FCRA ( an original consumer contract with my signature ). 

On XXXX-18 I received a response from Bonneville Collections which only included an itemized statement of services and charges of {$810.00} which they obtained from the original creditor XXXX XXXX. No contract with my signature was ever sent to me. 

As a result of medical procedures being listed on this statement, not only was this not proper verification but also a clear violation of my HIPPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
I consolidated my loans through Sallie Mae/Navient. When I stopped working, rather than guiding me to a payment plan that would help me continue making payments, Navient guided me towards a deferment program. The balance of my student loans has almost tripled. 

In addition, Navient, when I started working again, based income-based payments on both my income and my husbands even though he was never responsible for these loans. 

These two factors are causing a significant hardship. Navient has refused to deal with this.

Company response to consumer: Closed with explanation