vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Initial Complaint :  XXXX   XXXX  provided me with  XXXX   XXXX  contact information from on  XXXX   XXXX ,   XXXX  . I did not receive the above contact information prior to filing my complaint to the CFPB.  XXXX   XXXX ,   XXXX   is the first date I received contact information on  XXXX .     Everything listed above and performed by  XXXX   XXXX   XXXX  appears to have been done recently, after the derogatory credit reporting in  XXXX  and  XXXX . There are no dates listed above regarding the investigation and/or notification prior to my complaint with the CFPB. Again, derogatory information was submitted prior to me receiving any documentation or letters regarding the resolution of the fraud investigation.     I contacted  XXXX  more than  twenty " 20 '' times (  prior to my CFPB complaint ) regarding this issue via telephone,  XXXX , and fax. Moreover, I specifically informed  XXXX  that my cell phone, along with other things, had been stolen and personally gave you an alternate contact number.     Additionally, I was actually told in  XXXX  that this card was cancelled by a  XXXX  representative and actual items on the card were disputed. Negative information should not have been reported to the credit bureaus if the credit card account was under investigation, and/or I was not aware of the results, and/or I was under the assumption that the card was cancelled.     Thank you.     email :  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 2017-05-16 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: The Receivable Management Services LLC
State: PA

Complaint narrative:
I received an email from  XXXX   XXXX   XXXX / XXXX / XXXX  that something was just added to my credit report for collections.     THIS IS THE SECOND TIME THIS COMPANY HAS DONE THIS TO MY CREDIT REPORT!!     When I checked there is an account on my credit from  XXXX   XXXX  via THE RECEIVABLE MANAGEMENT SERVICES  XXXX   XXXX   XXXX   XXXX , PA  XXXX  (  XXXX  )  XXXX  stating I opened an account on  XXXX   XXXX ,  XXXX  and it is now in collections for {$880.00}.     That is impossible for a few reasons : First, I have lived at my present address since  XXXX   XXXX ,  XXXX  and have had the same garbage collection company, which is not  XXXX   XXXX .   Second I had a  XXXX   XXXX  account that was paid and closed since  XXXX , at the very latest.   Third, there was nothing on my credit report about this supposed unpaid account that is now in collections, it just suddenly appeared out of nowhere.     I religiously watch my credit report. T he Receivable Management Services com pany put this on my credit report fraudulently.     I have disputed this to   XXXX   but desire to find out how and why they feel they can put whatever they want on someone 's credit report with no regard to the fact the account does not exist and the information is completely false. This is illegal for  The Receivable Management Services to  do.     I do not want to directly contact this company because it is obvious they already obtained my personal information in some way and I do not want them to have my email and/or telephone number.

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 2017-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that  MEDICAL DATA SYSTEMS INC  #  XXXX  has furnished some items that have unverified information. I believe under the  Fair Debt Collections Practices Act, I have the right to request that you allow me to validate th e alleged debt. I am aware that there is a debt from   XXXX   XXXX   but I am unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under the  HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ],  to protect my privacy and medical records from third parties. I do not recall giving permission to MEDICAL-NOVANT HEALTH to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but it is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, a  nd HIPAA authorization.
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
3.Cease any credit bureau reporting until debt has been validated by me.
4.Please send this information to my address li  sted above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved as   a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Recently, I noticed that  Capio Partners repo rted  XXXX  medical debts on my   XXXX    credit report. Prior to the appearance of those accounts, I never received any notice of the balances, nor my notice of right to dispute. I have ask ed Capio Partners  to delete these accounts from my credit report, but they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My younger brother and sister opened up the account on   XXXX   XXXX   when they were shopping for a  XXXX  gift for our mother and realized they did not have the funds, but Target offered them the option to open a card and have the payments due at a later time.     I was not aware it was opened. I did not receive any mailings because the wrong address was on file. An old driver 's license was used to open the account.     I realized the debt existed when I saw on my credit r eport that two mis sed payments were reported.     I have gotten nowhere with speaking to Target on the phone on   XXXX   XXXX   and on   XXXX   XXXX  . I also visited the store on Friday   XXXX   XXXX   and was told that nothing could be done regarding the account, past balance, or anything.     I tried getting the most recent late fee removed, or offering to settle the account at 90 % of the balance. Both were denied.     I am looking for a small measure of debt relief on a fraudulently opened account that I have proof it was never activated after the initial purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2015  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2017-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My loan with Navient started around  XXXX / XXXX / XXXX  and after a year of payments with a lack of clear information, I got fed up with the truth and completed my last payment on  XXXX / XXXX / XXXX .   All my statements were unclear on my balance, my interest amount, and how my money would be distributed within my loan. I discovered on my statements that dates and amount adjustments were n't explained. My online account revealed a bit more information on distribution but still not clear on my interest amount and reasons for company liberties with my account.   In  XXXX / XXXX / XXXX  I spoke with customer service revealing of my $  XXXX  /day  interest &  240 payments til I reach forgiveness of about {$500.00} ( with 12 payments done, I had 228  to go making my interest about the same as my main balance ) At the start of my loan I was quoted {$2800.00} estimated interest for the life of my loan. On  XXXX / XXXX / XXXX  I was quoted " about {$7600.00} '' in interest.   After I paid off my loan in disgust, my brother, who I encouraged to enroll with loan forgiveness servicing discovered that you, the CFPB filed a lawsuit against Navient. I 've been collecting my information to approach you with my issue ... to be included in the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against Calvary Portfolio for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am totally floored by the information that I just received from an attorney that I met with concerning the newest foreclosure action  by Wells Fargo.       Wells Fargo modified a mortgage that was discharged in my  Chapter  XXXX  Bankruptcy.  XXXX  dollars. They are now trying to foreclose on a debt that has already been  discharged. so how can they try to get money again that was already written off,. how are they trying to obtain a claim from the title company again for a loan that was discharged in  my bankruptcy.     Besides predatory lending practices here, and tryng to collect twice on money already written off by the federal government.     Never when I spoke to Wells did they ever mention I was modifying on something that no longer existed!!! how can this be!     How is it we are still being lied too!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
This company has failed to provide me the information to satisfy my debt verification. This company will only send me a copy of when the account was open and the charge of date, but will not send me any information regarding the account of when the last time I paid or any information regarding the account such as billing. I have asked for a detail break down of the account and this company has refused to provide me the information requested. I have sent this company letters and called.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: NC

Complaint narrative:
I am trying to secure a home loan at   XXXX   XXXX   XXXX   in  XXXX  NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have contacted  XXXX  of the  XXXX  accounts which are fraudulant accounts to have them closed or to inform  XXXX  of the accounts that have balances, that they were not opened by myself.  One of  the organizations   XXXX   XXXX   acknowledged the fraud activity when none of the information provided matched their information.   The other organization  MUFG Union Bank  has been highly uncoorperative. They have been contacted over 6 times since  X/X/17    when the report was run. I can not speak to anyone higher in the corporation than a  floor manager,  who tells me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on   XXXX    ,  two more time s with dates I did not document.On  X/XX/17    I spoke to the floor supervisor  XXXX  who opened a case report and informed me that someone would contact me to further the case. No one called. On  X/XX/17    I spoke to   XXXX   who opened a case, took down my information and told me someone will call me.  Noone calle d. On  X/XX/17    I spoke to  XXXX  and  XXXX  who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of time they have charged me a  30, 60  day late charge and reported to  XXXX ,  XXXX ,   XXXX   lowering  my credit score. I was also informed that they are going to charge me a 90 day late  charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed  XXXX  to help in the battle.  Union Bank wi ll not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are  XXXX   XXXX   XXXX  and credit card division  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 2017-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I canceled my account on   XXXX   XXXX   for both phones.  XXXX  attempted to tell me months later that it is their " policy '' to refuse to cancel customers accounts on the dates their customers actually cancel but whichever date  XXXX  specifies. Additionally,  XXXX  attempted to tell me I had a contract. I did not. I had a leased phone. I only owed  XXXX  more nominal payment, which I made.     When I started service with  XXXX , I was billed for 2 months in advance. I paid that incredibly expensive bill. I still have a copy of that bill. I offered to provide  XXXX  with a copy of that bill. When I canceled service, I was never refunded for the prepayments of services that I pay on a monthly basis ; as it is "  XXXX  's policy to bill at least  XXXX  month in advance. '' However,  XXXX  was billing me for an additional 3 months in advance. When I disputed the bill, they sent me to collections.     I have had to hire an attorney to dispute the bill. Not only has  XXXX  sent me to IC Systems for collections. I have only received  XXXX  notice from I C Systems. I c alled IC  Systems and in formed them that this was in litigation. They still posted this to my credit report against the FCRA. According to FCRA, punitive damages are also in order. This is illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I was denied credit in   XXXX   XXXX     because of a collection account being reported on my credit report. I sent letters to all  XXXX  credit reporting agencies and explained that this account from SYNCB/Amazon did not belong to me.  XXXX  and   XXXX    immediately removed the account from my credit report. I found out when I was denied credit in   XXXX   XXXX    , that   XXXX   did not remove this error from my report. I filled out  XXXX  's online form notifying them this error was still in my credit report and then I called and was told that the creditor reporting this inaccurate information did not provide any type of documentation or verification that this account belonged to me and the creditor only had to state that I was mine without any proof whatsoever. I then called SYNCB/Amazon and after being on hold fo r 30 minu tes was told they could n't find me in their system. I explained that was because I did not nor have I ever had an account with SYNCB/Amazon. She then hung up on me. I called again, explained that this is not my account and was being reported on my credit report in error and again, they hung up on 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 2017-05-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent my Identity affidavit per credit bureau policy and procedures and the have failed to investigate and remove fraudulent information from my file even with my police report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: Credit Karma, LLC
State: FL

Complaint narrative:
There are credit inquiries on my report which was not authorized by me. I have contacted  XXXX  Customer Care in order to delete these unauthorized credit inquiries which is affecting my  credit score, but they denied to do so. I hope you will be able to help me get the Unauthorized credit inqu iries removed from my credit report.     Following are the credit inquiries affecting m y credit score on   XXXX  :  XXXX  on  XXXX   XXXX  on  XXXX   XXXX  on  XXXX   XXXX  on  XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: FL

Complaint narrative:
On  XXXX / XXXX /  XXXX   I contacte d Portfolio Recovery Service  concerning a debt. I requested certain information concerning this account but  XXXX   XXXX   XXXX  reused to answer them. Furthermore, she would not answer the key question as of when was the account that is not mine being reported to the credit bureaus. I told her that I have rights and that by refusing to answer she was violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent my Identity affidavit per credit bureau policy and procedures and the have failed to investigate and remove fraudulent information from my file even with my police 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 2017-05-16 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 sent my Identity affidavit per credit bureau policy and procedures and the have failed to investigate and remove fraudulent information from my file even with my police 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