vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I enrolled in school with the XXXX  XXXX XXXX online classes program in 2016. I was able to take a few classes for about half of a semester before I had to withdraw from the school. Due to a divorce and having to work two jobs to take care of my kids, I just didn't have the time. I did receive partial payments from the school totaling about XXXX dollars. After checking my XXXX and Equifax credit report I've noticed that the school has the account listed as a charged off account in the amount of {$7500.00} dollars. I would like to know how can this be, when I only received a partial payment. This is the only negative account listed on my credit reports which is severely impacting my credit score. 
I've disputed this account per certified mail with the both reporting agencies and received back responses stating account remains. I plan on purchasing a new home at the start of the new year and it would help out tremendously if this negative inaccurate account can be immediately removed off of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I enrolled in school with the university of XXXX online classes program in 2016. I was able to take a few classes for about half of a semester before I had to withdraw from the school. Due to a divorce and having to work two jobs to take care of my kids, I just didn't have the time. I did receive partial payments from the school totaling about XXXX dollars. After checking my Experian and XXXX  credit report I've noticed that the school has the account listed as a charged off account in the amount of {$7500.00} dollars. I would like to know how can this be, when I only received a partial payment. This is the only negative account listed on my credit reports which is severely impacting my credit score. 
I've disputed this account per certified mail with the both reporting agencies and received back responses stating account remains. I plan on purchasing a new home at the start of the new year and it would help out tremendously if this negative inaccurate account can be immediately removed off of my credit reports.

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 2019-12-09 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: VA

Complaint narrative:
On or around XX/XX/XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX reported to XXXX, XXXX  and TransUnion a Rental/Leasing debt of {$3300.00} with a Date of 1st Delinquency of XX/XX/XXXX, obtained from XXXX XXXX XXXX. This debt was recorded as a Joint Account. 

On XX/XX/XXXX while setting an account on XXXX  's we site to freeze my report I saw and disputed this entry using the available process identifying the debt as not mine, identifying the likely owner as my ex-wife from who I was divorced in XX/XX/XXXX with no shared assets or responsibilities. 

On XX/XX/XXXX XXXX advised that it had completed a review and that " The information you disputed has been verified as accurate ''. No further specific information was provided about the entry or process. 

On XX/XX/XXXX and XX/XX/XXXX I repeated this process with XXXX  and the equivalent with XXXX  and TransUnion with the same result and attempted to add an ( up to ) 100 word statement. The process to add the statement was difficult with XXXX, only a choice of a few fixed statements was available with XXXX   and I have found no option with TransUnion through their web sites. 

This entry alone precluded me from being able to start a contract position with the US Department of Justice and has cost me and my family many hours.

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 2019-12-09 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: VA

Complaint narrative:
On or around XX/XX/XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX reported to XXXX, Experian and XXXX  a Rental/Leasing debt of {$3300.00} with a Date of 1st Delinquency of XX/XX/XXXX, obtained from XXXX XXXX XXXX. This debt was recorded as a Joint Account. 

On XX/XX/XXXX while setting an account on Experian 's we site to freeze my report I saw and disputed this entry using the available process identifying the debt as not mine, identifying the likely owner as my ex-wife from who I was divorced in XX/XX/XXXX with no shared assets or responsibilities. 

On XX/XX/XXXX Experian advised that it had completed a review and that " The information you disputed has been verified as accurate ''. No further specific information was provided about the entry or process. 

On XX/XX/XXXX and XX/XX/XXXX I repeated this process with Experian and the equivalent with XXXX  and XXXX with the same result and attempted to add an ( up to ) 100 word statement. The process to add the statement was difficult with XXXX, only a choice of a few fixed statements was available with Experian and I have found no option with XXXX  through their web sites. 

This entry alone precluded me from being able to start a contract position with the US Department of Justice and has cost me and my family many hours.

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 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After turning off my auto pay twice, XXXX XXXX turns it back on And fraudulently took a XXXX payment out of my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX.  XXXX XXXX also did this on my XXXX credit card after I turned auto pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: TX

Complaint narrative:
I RECENTLY RECEIVED A LETTER ABOUT A XXXXXXXX XXXXXXXX DATA BREACH AND I WAS ADVISED TO CHECK MY CREDIT REPORT TO MAKE SURE I WAS NOT A VICTIM. I HAVE NO INTEREST IN CREDIT SO I NEVER REALLY CHECK MY CREDIT REPORT. I WAS AMAZED WITH THE DAMAGE THAT WAS DONE TO MY CREDIT. ALL THE ACCOUNTS AND INQUIRIES ON MY REPORT WERE NEVER AUTHORIZED BY ME NEITHER HAVE I EVER RECEIVED ANY TYPE OF SERVICE FROM ANY OF THESE COMPANIES. I AM A VICTIM OF IDENTITY THEFT AND I HAVE ALREADY REPORTED THIS CRIME TO MY LOCAL POLICE DEPARTMENT. THEY ARE CURRENTLY INVESTIGATING AND ADVISED ME ON THE STEPS TO DO NEXT. 

THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT IS AS FOLLOWS : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2019-12-09 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: TX

Complaint narrative:
I RECENTLY RECEIVED A LETTER ABOUT A XXXX  XXXX DATA BREACH AND I WAS ADVISED TO CHECK MY CREDIT REPORT TO MAKE SURE I WAS NOT A VICTIM. I HAVE NO INTEREST IN CREDIT SO I NEVER REALLY CHECK MY CREDIT REPORT. I WAS AMAZED WITH THE DAMAGE THAT WAS DONE TO MY CREDIT. ALL THE ACCOUNTS AND INQUIRIES ON MY REPORT WERE NEVER AUTHORIZED BY ME NEITHER HAVE I EVER RECEIVED ANY TYPE OF SERVICE FROM ANY OF THESE COMPANIES. I AM A VICTIM OF IDENTITY THEFT AND I HAVE ALREADY REPORTED THIS CRIME TO MY LOCAL POLICE DEPARTMENT. THEY ARE CURRENTLY INVESTIGATING AND ADVISED ME ON THE STEPS TO DO NEXT. 

THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT IS AS FOLLOWS : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I transferred money from my Wells Fargo Checking Account to a savings account I also had with Wells Fargo. A few days later I logged back into Wells Fargo ONline to access my accounts and access the money I transferred and the money and the account were gone. According to Wells Fargo, they closed the account I transferred the money into the day before due to a {$4.00} overdraft. However the transfer went through and I have confirmation of it going through. Since then I filed a claim wiht Wells Fargo and have spent more than 20 hours trying to recover my funds. No one can tell me where the money is and whe it will be returned to me. As far a I am concerned the money is stolen until returned to me. 

On another, I realize the banks are not required by law to inform you if they are closing an account, but after 31 years of banking with them, I received no curtousy call or email notifying me of this closuer. They could have simply drafted {$5.00} from my checking to cover this over draft. Felling Helpless. The amount of the money is irrevalant to me, its the principle idea that they can do this.

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 2019-12-09 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: AES/PHEAA
State: MD

Complaint narrative:
To Whom it May Concern, I have a dispute with Fedloan Servicing regarding incorrect reporting on my student loan accounts to credit reporting bureaus. I have a general forbearance that has been applied to my account ; however, this information has not been updated accurately and there is still a 90 day late payment listed for each of the accounts. Given that this has not been updated after conducting the dispute process with each of the credit bureaus, Fedloan Serving is in violation of FCRA 623 " Fair Credit Reporting Act ''. Since the dates of my general forbearance include the late payment mark, these should be removed to reflect the most up-to-date and accurate information on all accounts. Therefore, I demand that in order to become compliant with FCRA 623, Fedloan Servicing updates and submits the correct information to all three credit bureaus which results in 1 ) all accounts being up to date for the period of the forbearance and 2 ) removal of late payments on the account that are during the time period of the general forbearance.

I request that I receive a response no later than 15 days after the receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc.
State: PA

Complaint narrative:
Advanced Resolution Services Inc. has refused to follow the Fair Credit Reporting Act Section 605A which states that a consumer reporting agency needs to place a security freeze within 1 day by phone and 3 by mail. 

ARS is now stating that they do not need to follow the Fair Credit Reporting Act because they are not a National Consumer Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Siggi LLC
State: KS

Complaint narrative:
I have a loan through Omni Financial in an approximate amount of XXXX dollars. The company told me that I had to make an allotment or they would go to my bank and take money directly from my account. Not realizing that the actions done by Omni were illegal my financial adviser seen this allotment and told me to terminate it immediately. As well an employee from Omni spoke to her husband to contact me about paying the loan. around the end of XXXX I revived a phone call from her husband which is my co worker as well.Telling me that I need to answer his wife and pay Omni. Once I got off the phone with the husband, my spouse immediately told me to go see JAG. The JAG office told me that Omni violated the fair debt collection act and need to speak with my financial adviser also write a letter to Omni on why they will not be receiving funds from me. I have not written the letter yet, I do need further assistance with what to put into the letter. My financial adviser directed me to one of your agents to get further help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CNG FINANCIAL CORPORATION
State: MO

Complaint narrative:
I received a loan for XXXX and I made two payments then went through a pay decrease due to weather and unable to work ... I started getting calls stating it was the courts trying to collect a debt and I was gon na be charged with fraud if I refuse to make a payment repeatedly I called check and go and was then was I can make any payment to try to clear up debt but I fell ill and lost my job and Im unable to make payment now theyre just calling and hanging up and now with interest they're saying I owe XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: Kadent Corporation
State: CA

Complaint narrative:
Sometimes in 2010, my wife took my daughter to a local XXXX Hospital in XXXX XXXX, California ER for a 45-minutes visit. The hospital charged us a bill over {$7000.00}, and we were left with about {$1400.00} after insurance paid out. We requested the examination of all the charges and found out some charges incorrect and consequently we submitted a bill dispute with proper depart. of the hospital. Finally, we received a letter dated XX/XX/2010 from the hospital 's billing business service partner XXXX XXXX XXXX stating " The charges have been resolved. '' And I kept the letter in file. 
However, shortly after a debt collecting agency CBSJ Financial Corp. started unstoppable calling and writing to my wife with threatening languages like reporting credit bureau etc despite my wife told them the matter has been solved between hospital and us. At that time I was oversea and didn't know this. Finally my wife couldn't bear the emotional pressure and continuing harassment and wrote a check of {$1500.00} as the CBSJ demanded to get her peace. In other words, my wife paid CBSJ debt collector for non-existing debt in exchange for a quiet life. 
I just found this out when I was cleaning up old document which includes my wife 's notes on an envelop and conversation with her. I was so upset by CBSJ such abusive practice for collecting non-existing debt through harassment and angry at XXXX Hospital apparently sold the already solved debt dispute to a knowingly abusive debt collector.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-09 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: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
XXXX  Credit report is reporting two mortgages from same lender, different addresses and balance amounts. Missing payment history for the month of XX/XX/2019. These two accounts reporting do not accurately reflect my credit report, as my debt to income ratio for a mortgage now doubles. Which would possibly make it difficult for me to obtain a loan or extension of credit currently. This is a violation of the Fair Credit Reporting Act. I wish to have this mortgage loan reported current, accurate and as one account not two.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: VA

Complaint narrative:
I was a victim of identity theft, and someone tried to open credit accounts by impersonating me. XXXX XXXX  is one of them. On XX/XX/XXXX credit inquiry was made. I have filed police compliant about it, also I had filed dispute with credit reporting agencies. Moreover I had filed complaint with XXXX XXXX  too, but they have not got the inquiry removed from my credit file. Neither have I received a response from them about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Receivables Network
State: IL

Complaint narrative:
I received a letter from Sage capitol recovery concerning a debt of {$3700.00} with XXXX. They asked that I review this information and respond in writing within 30 days if I did not recognize this debt. Having never done business with XXXX  I responded in writing explaining that I was not the person that they were looking for, as well as that I never made any purchases with XXXX and that they had the wrong person. I had never received any calls until after they received my letter which was mailed to Sage capitol recovery on XX/XX/19 ( their letter was dated XX/XX/19 ). Now once or twice a week I get a robocall from Sage capitol recovery asking me to call XXXX XXXX at XXXX. I have had the exact computer voice message at least 5 times over a span of 2-3 weeks. I did return the call twice only to be automatically transferred to a voicemail which stated this voicemail box is full. Please call back at another time. There does not seem to be anyone working at this place as I have only received robocalls and cant get a human to answer any call. This is not my debt, I dont know how to have them stop robocalling me. As I stated clearly in my written response, they have the wrong person.

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 2019-12-09 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 recently received paperwork from your company in regards to the disputed accounts on my credit file. I have yet to receive any type of corresponding proof that you performed an investigation of any type. I have contacted the creditors directly and provided you with the documentation, yet your company Equifax continues to intentionally harm and damage my credit. I have written you on ( 6 ) six different occasions regarding the so called verified/accurate accounts. According to the FCRA section 611 ( 15 USC 1681 ) you have 30 days to comply with my request and 15 additional days if needed which you have not. My ID and SS card were scanned in legible and clear you are in violation of the rules and regulations, therefore you must remove the accounts listed below for failure to investigate and or validate under section 623. Also, I have a host of non-account bearing and unauthorized inquirys showing as well and would also like to have them deleted. I am sure after review from your legal counsel you will adhere to the rules and regulations of the FCRA, less you are prepared to pay the steep fines which you have amassed ( 6 ) different request for failure to comply. 
I reviewed a new credit report dated XX/XX/XXXX and noticed that I have accounts that are inaccurate and in violation of the FCRA. Attached is a copy of the accounts and the listed violations for each. Note : these accounts were deleted from XXXX and XXXX last year and I am sure you received the information because you guys share it. Either provide the proof in the form of signed contracts, identifying documents, DL & SS card or any legal documents you received from the creditor which would validate your investigation or you must delete these invalidated and inaccurate accounts immediately. 
1. XXXX XXXX  ACCT # XXXXXXX for {$400.00} Furthermore, I have explained to you that I was a victim of identity theft. I have never had XXXX as a financial institution. Clearly you can see that but you insist on violating the FCRA and a blatantly attempting to do malicious harm to my credit. 

2. XXXX XXXX XXXX XXXX ACCT # XXXXXXX opened XX/XX/XXXX for {$22000.00}. 
Violation : activity on a closed account, inaccurate payment history, See Equifax print out. 
3. XXXX XXXX XXXX XXXX ACCT # XXXXXXX opened XX/XX/XXXX for {$10000.00}. 
Violation : activity on a closed account, inaccurate payment history, See Equifax print out. 
4. XXXX XXXX XXXX XXXX  ACCT # XXXXXXX opened XX/XX/XXXX for {$5900.00} Violation : activity on a closed account, inaccurate payment history, See Equifax print out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation