vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax multiple times and sent the requested documents to them. For years they lie about not being able to locate my credit profile. Which is complete nonsense, its impossible to get them on the phone!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Union Bank is reporting a overdraft account that was taking care of, there should be no overdraft reported on my XXXX, the date reported is incorrect, i did not have an account with union bank in XX/XX/2018. please remove this from my 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 non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I ask sent me the bill I need proof of the money {$610.00} each month I cant pay Waith out proof XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal has been the absolute worse company I have ever had the pleasure of doing business with. I used paypal as a payment processor from selling on XXXX. They arbitrarily closed my account while I had active shipments and payments and are holding my money for 180days. This has caused me to suffer monetary loses as I only sell personal things. They also removed money out of my account while its was closed to pay someones elses debt which I did not or could not authorize! On top of that they have taken their fees and are getting interest from my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix Financial Services was made aware that the account that their company held under my social security number with an account in the amount of {$1800.00} were a result of identity theft and did not belong to me. Phoenix Financial can't verify this account as mine and has no legal document bearing my signature. Phoenix Financial Service did not send me a letter notifying me that this account was owed and was being reported to the credit agencies. Phoenix is continuing to report inaccurate information onto my credit file. Not only that how can Phoenix Financial verify anything medical with a credit agency being that I have never signed HIPPA form authorizing them to have access to any of my patient information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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 is depicting XXXX/XXXX XXXX, ACCOUNT NUMBER XXXX ON THEIR BUREAU REPORT. 
ON XX/XX/2019 I SENT IN A DISPUTE BY MAIL.THE ACCOUNT WAS NOT INVESTIGATED OR PUT UNDER DISPUTE.THERFOR I SUBMIT THE FOLLOWIN : THIS ACCOUNT WAS ESTABLISHED GIVING CREDIT TO PURCHASE MERCHANDISE, A RING.THE ORIGINAL AMOUNT WAS OVER $ 3000.AFTER PAYING ABOUT {$1000.00} IN PAYMENTS I FOUND OUT THE REAL VALUE OF THE MERCHANDISE ... .NOT DUE TO DEVALUATION OF GOLD OR DIAMONDS THE RING IS NOT WORTH {$300.00} DUE TO POOR QUALITY.I QUIT MAKING PAYMENTS AND GAVE UP TRYING TO SELL THE MERCHANDISE.I FOUND THAT IN CALIFORNIA WE HAVE IMPLIED WARRANTY LAWS THAT ARE NOT DEFEATED BY CONTRACT DISCLAIMER.THE RING DID NOT HAVE ANYWHERE CLOSE TO THE VALUE STATED AT PURCHASE.I WAS DEFRAUDED BY THE MERCHANT CREDITOR AT PURCHASE ... ... ... ... .DELETE FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX XXXX is reporting a overdraft account that was taking care of, there should be no overdraft reported on my XXXX, the date reported is incorrect, i did not have an account with XXXX XXXX in XX/XX/2018. please remove this from my 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 2019-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV is continuing to report inaccurate accounts to my credit file. They are in complete violation. Not only has LVNV failed to notify me to let me know there was an alleged debt and it will be reported to credit agencies. They were informed that I am a victim of identity theft and this account is a result of identity theft yet they still failed to do an investigation. LVNV has no legal documents bearing my signature and I have never had any business dealings with them nor the company they represent. Yet they are reporting 2 accounts on my credit file in the amount of {$1800.00} and in the amount of {$980.00} of which both needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I contacted Phoenix Financial Services LLC, XX/XX/2019. after noticing a collection added to my credit report {$830.00}. I then spoke with a female representative, who was informed that no notice was given inregards to this debt collection and I was not aware of the debt. I was then informed of the Debts originations and informed the representative that my this bill was not correctly billed to my medical insurance and my responsibilities was 20 %. I can pay the 20 % now. I was told that that not my problem. The account was not in our procession at that time so I dont care what happen then, will you be make the full payment or you wasting my time. I told the representative I will pay the 20 % the insurance did not cover, it was at that point the representative disconnected the call. I immediately called back and got a male representative and began to explain that I was not aware of this bill and that my insurance cover 80 %, I was told that they had no insurance information and it wouldn't matter anyway. I then asked if he can send me a letter of verification. and proof of debt and I was told, " I see why the other representative disconnected the call ''. He refused to listen, even started to use abusive language what type of person dont pay there bill. I then informed him I can send the information about the insurance and I was told " you can send what you want it won't matter '' he also disconnected the call after. I believe that Phoenix Financial Services LLC has violated my consumer rights under the fair debt collection practice act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
In XXXX of XXXX, I received a statement from Heartland ECSI requesting {$12000.00} on Perkins loan with the due date on XX/XX/XXXX. I called them and placed the loan into forbearance as I did with all my other federal loans. This statement included one account with XXXX XXXX. At the same time on XX/XX/XXXX, XXXX XXXX requested Tax offset for debts owed to XXXX XXXX to Franchise Tax Board for  {$1000.00}, and in XXXX, I did not get any state tax refunds. 
Now, XXXX XXXX is withholding my transcripts and placed me into default, although, I was supposed to be in forbearance. XXXX XXXX together with Heartland placed me into collection while I was supposed to be in forbearance. When I called to Heartland, they didn't have my account at all. This is a retaliatory action. I found this all out because I applied to XXXX XXXX XXXX XXXX to study XXXX XXXX, and now I can't further my studies due to default issues on my record with XXXX XXXX. They are withholding my graduation, my transcripts and asking for monies that should've been in forbearance. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: WA

Complaint narrative:
Equifax has reported false information on my credit for the past 2 years. The company that reported this debt never submitted any proof or verification that I owed this money. This debt was deleted from my XXXX report within 24 hours of submitting a dispute online however I have made several attempts by phone and electronically to dispute this fraudulent debt to Equifax to no avail. This is causing me great hardship as it is preventing me from obtaining housing. The XXXX XXXX in XXXX WA is alleging I owe {$210.00}, which I do not. This has caused my rental application for two apartments to be denied. This has caused me financial harm. I do not believe Equifax properly investigated this dispute. I believe Equifax simply posted this false debt on my credit report without any proof it was mine or that I owned or owed the debt. I want this false debt deleted from my Equifax credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I received a letter from Receivables Outsourcing LLC, dated XX/XX/XXXX, requesting a payment of {$62.00} to XXXX XXXX Hospital for the service performed on XX/XX/XXXX. 

I responded with the letter ( mailed on XX/XX/XXXX ) that according to my insurance XXXX XXXX and XXXX XXXX XXXX I am not responsible for the {$62.00} charged by XXXX XXXX Hospital. Namely, in the Explanation of benefits letter the XXXX XXXX XXXX wrote : " The total amount of what is not allowed and/or not covered is {$62.00} of which you owe {$0.00}. '' Regardless my explanation, Receivables Outsourcing LLC did not respond and did not withdrew the request for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
The first three payments were ok then I switched the method of payment and the next payment was ok then they went back to a previus payment method that was removed and caused overdrafts. I recieve terms that im not to file a dispute. My last payment was held for 4days and " returned '' I was kick off the app for 3 weeks and unable to connect with customer service. I have XXXX in a savings

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: AZ

Complaint narrative:
On XX/XX/2019 I received notification of a new credit inquiry on my Equifax report. My credit report had been pulled in XXXX, Texas at a car dealer. I live in Arizona and I am not looking to buy a car. I have not visited a car dealer in Arizona or Texas. I tried to file a dispute and the website directed me to contact the company in the inquiry which is XXXX Of XXXX. I contacted them the same day with no response. The following morning, XX/XX/XXXX, there was a new inquiry again from XXXX of Texas. I called them again and their reply was that if I did not provide them my ss # they could not tell me who pulled it. I did not provide them my social since they had pulled my credit twice without consent, I was worried that they would do it again. I asked if there was any other way they could help me and they asked if it was for a new or used car. How am I supposed to know what they pulled it for if it was not requested OR authorized by me? I finally successfully filed a dispute through Equifax but it came back as " factual data '' and stayed on my report. I called XXXX of XXXX once again only to be told not to worry about it. They said " someone with a similar name '' was buying a car and that is why it showed on my report! So there are still two unauthorized inquiries from XXXX of XXXX on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I am not aware of these collection charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOUTHWEST COLLECTION SERVICES INC.
State: FL

Complaint narrative:
I am not aware of these collection charges

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I open a Macy 's credit card and never got it to my address I never got that welcome package I called them for the last few months I was approved for it but never got it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 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: CA

Complaint narrative:
Unauthorized credit report accessed and received from these companies : 1 ) XX/XX/XXXX XXXX 2 ) XX/XX/XXXX XXXX 3 ) XX/XX/XXXX XXXX XXXX 4 )  XX/XX/XXXX XXXX XXXX XXXX XXXX 5 ) XX/XX/XXXX XXXX , XXXX 6 )  XX/XX/XXXX XXXX XXXX XXXX 7 ) XX/XX/XXXX XXXX 8 ) XX/XX/XXXX XXXX XXXX XXXX-listed 5 times 9 ) XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: MT

Complaint narrative:
On my background report I received a copy of, says I have had my name in three countys in the states of XXXX, XXXX & XXXX. I have only lived in two of those states, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: CA

Complaint narrative:
Unauthorized credit report accessed and received from these companies : 1 ) XX/XX/XXXX XXXX 2 ) XX/XX/XXXX XXXX 3 ) XX/XX/XXXX XXXX XXXX 4 ) XX/XX/XXXX XXXX XXXX XXXX XXXX 5 ) XX/XX/XXXX XXXX , XXXX 6 )  XX/XX/XXXX XXXX XXXX XXXX 7 ) XX/XX/XXXX XXXX 8 ) XX/XX/XXXX XXXX XXXX XXXX-listed 5 times 9 ) XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: CA

Complaint narrative:
Unauthorized credit report accessed and received from these companies : 1 ) XX/XX/XXXX XXXX 2 ) XX/XX/XXXX XXXX 3 ) XX/XX/XXXX XXXX XXXX 4 )  XX/XX/XXXX XXXX XXXX XXXX XXXX 5 ) XX/XX/XXXX XXXX , XXXX 6 )  XX/XX/XXXX XXXX XXXX XXXX 7 ) XX/XX/XXXX XXXX 8 ) XX/XX/XXXX XXXX XXXX XXXX-listed 5 times 9 ) XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please update my personal information. I tried changing emails, and phone numbers but it seems like I cant get my identity to be safe. I will protect my identity on my own XXXX squid ax and XXXX XXXX please remove fraud alert from my credit report. I am seeking a home. Please block fraudulent accounts on my credit report which is XXXX, XXXX, etc. I already put on a FTC report weeks ago into this matte. Major finiance is also missing from my credit report. Im a victim in XXXX equidaz credit breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX please update my address

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please update my personal information. I tried changing emails, and phone numbers but it seems like I cant get my identity to be safe. I will protect my identity on my own XXXX squid ax and trans union please remove fraud alert from my credit report. I am seeking a home. Please block fraudulent accounts on my credit report which is XXXX, XXXX, etc. I already put on a FTC report weeks ago into this matte. Major finiance is also missing from my credit report. Im a victim in XXXX XXXX  credit breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX please update my address

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 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please update my personal information. I tried changing emails, and phone numbers but it seems like I cant get my identity to be safe. I will protect my identity on my own Experian XXXX XXXX and XXXX XXXX please remove fraud alert from my credit report. I am seeking a home. Please block fraudulent accounts on my credit report which is XXXX, XXXX, etc. I already put on a FTC report weeks ago into this matte. XXXX XXXX is also missing from my credit report. Im a victim in XXXX XXXX   credit breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX please update my address

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