vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MiraMed Revenue Group LLC
State: LA

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and saw there was some medical debt from Merimed Revenue Group that I was unaware of. I have not received any correspondence on this debt so I am u sure if it is valid and have not had the opportunity to pay it if in fact it is. There are four accounts which have the same amount twice. Two for {$80.00} on date XX/XX/XXXX and two for {$180.00} on XX/XX/XXXX. I was advised I could pay the debt and it would show {$0.00} but would not be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

XXXX 1. XXXX 2. 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 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im trying to get a negative mark removed from my credit report that was reported by XXXX XXXX XXXX. I have been trying for the past few months. Twice I have spoke to different escalation managers and twice my request was turned down. This is ridiculous. 

The facts are simple. 

My ex wife got our residence from our divorce. In our paperwork it clearly states she was the sole owner and solely financially responsible for the mortgage payments on the residence. Stipulation of Settlement was executed on XX/XX/2018 by the Honorable Judge XXXX. The late payment to which I am referencing was reported for the month of XX/XX/2018. Clearly after all papers were signed. 

The below references relate to the Stipulation of Settlement from our divorce. 

Page 13 letter K Unless expressly provided in this agreement, the party receiving the particular asset, whether tangible or intangible, shall assume any and all liabilities associated with the ownership of such asset, and shall indemnify hold the other party harmless of any and all such liabilities. 

Page 15 letter B The wife shall remain in and retain sole ownership of the residence. 

Page 16 letter C from previous page 15, The wife shall indemnify and hold the husband safe harmless and satisfied with respect to the XXXX XXXX  now and forever. 

This is pretty simple case. My ex wife assumed the home and the Mortgage solely on XX/XX/2018. On that date I lost all interest in the residence and was no longer obligated to legally pay the mortgage. The fact my name wasnt removed from the mortgage loan was a technicality and that it was being worked on to be removed. It takes months to do title searches and to get approved for a mortgage. 

Our Judgement of Divorce Papers were executed by the Honorable Judge XXXX on XX/XX/2018. 

I just want this negative mark removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
I XXXX XXXX THIS IS NOT MY DEBT BUT ITS ON MY CREDIT REPORT AND I NEED IT TO BE INVESTIGATED AND DELETED OFF MY CREDIT REPORT. I DOINT KNOW WHO DID IT BUT IT SURE WASNT ME AND I NEVER EVER HAD XXXX XXXX SERVICES AND NEVER EVER LET ANYONE DO THIS WITH MY INFORMATION. SOMEONE EVEN HAD LIGHTS ON IN MY NAME AND I DISPUTED THAT AND IT WAS REMOVED BUT THIS STILL REMAIN ON MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my 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 non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im trying to get a negative mark removed from my credit report that was reported by XXXX XXXX XXXX. I have been trying for the past few months. Twice I have spoke to different escalation managers and twice my request was turned down. This is ridiculous. 

The facts are simple. 

My ex wife got our residence from our divorce. In our paperwork it clearly states she was the sole owner and solely financially responsible for the mortgage payments on the residence. Stipulation of Settlement was  executed on XX/XX/2018 by the XXXX XXXX XXXX. The late payment to which I am referencing was reported for the month of XX/XX/2018. Clearly after all papers were signed. 

The below references relate to the Stipulation of Settlement from our divorce. 

Page 13 letter K Unless expressly provided in this agreement, the party receiving the particular asset, whether tangible or intangible, shall assume any and all liabilities associated with the ownership of such asset, and shall indemnify hold the other party harmless of any and all such liabilities. 

Page 15 letter B The wife shall remain in and retain sole ownership of the residence. 

Page 16 letter C from previous page 15, The wife shall indemnify and hold the husband safe harmless and satisfied with respect to the XXXX XXXX now and forever. 

This is pretty simple case. My ex wife assumed the home and the Mortgage solely on XX/XX/2018. On that date I lost all interest in the residence and was no longer obligated to legally pay the mortgage. The fact my name wasnt removed from the mortgage loan was a technicality and that it was being worked on to be removed. It takes months to do title searches and to get approved for a mortgage. 

Our Judgement of Divorce Papers were executed by the XXXX XXXX XXXX on XX/XX/2018. 

I just want this negative mark removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: AZ

Complaint narrative:
We moved to Arizona and was not made aware of debt from XXXX XXXX. I am trying to refinance my mortgage and just found the collection on my credit report which I promptly paid. I work all day and am unable to call the company to get debt removed myself. When my wife called they refused to help her get the debt removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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:
The information reporting does not belong to me. It needs to be deleted immediately. 

XXXX XXXX in the amount of {$520.00} from XX/XX/2011 XXXX XXXX Acct # XXXX These accounts do not belong to me. I have reported this as fraud many times. If it is not removed from my account I will be filing suit.

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 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im trying to get a negative mark removed from my credit report that was reported by XXXX XXXX XXXX. I have been trying for the past few months. Twice I have spoke to different escalation managers and twice my request was turned down. This is ridiculous. 

The facts are simple. 

My ex wife got our residence from our divorce. In our paperwork it clearly states she was the sole owner and solely financially responsible for the mortgage payments on the residence. Stipulation of Settlement was executed on XX/XX/2018 by the Honorable Judge XXXX. The late payment to which I am referencing was reported for the month of XX/XX/2018. Clearly after all papers were signed. 

The below references relate to the Stipulation of Settlement from our divorce. 

Page 13 letter K Unless expressly provided in this agreement, the party receiving the particular asset, whether tangible or intangible, shall assume any and all liabilities associated with the ownership of such asset, and shall indemnify hold the other party harmless of any and all such liabilities. 

Page 15 letter B The wife shall remain in and retain sole ownership of the residence.

Page 16 letter C from previous page 15, The wife shall indemnify and hold the husband safe harmless and satisfied with respect to the XXXX XXXX now and forever. 

This is pretty simple case. My ex wife assumed the home and the Mortgage solely on XX/XX/2018. On that date I lost all interest in the residence and was no longer obligated to legally pay the mortgage. The fact my name wasnt removed from the mortgage loan was a technicality and that it was being worked on to be removed. It takes months to do title searches and to get approved for a mortgage. 

Our Judgement of Divorce Papers were executed by the Honorable Judge XXXX on XX/XX/2018. 

I just want this negative mark removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: CO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see pages 17 and 18 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see pages 17 and 18 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-05-02 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

XXXX XXXX 1. XXXX 2. 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 2019-05-02 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:
Equifax and XXXX  are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 41 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RMS-Recovery Management Services, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I was contacted by Recovery Management Service on a debt they said originated from XXXX University Online which I had previously attended starting in XXXX to pursue a XXXX XXXX degree. All of my payments were from Student loans and this handled through FAFSA.When I withdrew from XXXX in XXXX or so due to personal commitments they had done some creative accounting by charging for classes I had not taken, then sending back all of my student loans and grants from the current and previous Semester. This in short showed I had a debt to the school for {$9900.00}. This had happened once before with them when I dropped out in XXXX they sent my federal funds back and claimed then a balance of {$10000.00}, Some months later when I was contacted by the school I agreed to re-enroll after they corrected the accounting error in which XXXX admitted they made a mistake and re submitted for federal student funds and I had a small balance of {$630.00} for a dropped class. This time I did not re enroll as I found the communication and service very lacking and decided to look elsewhere, when I did the same thing happened and now RMS is saying I owe this debt. But in XXXX XXXX and its parent company were closed down to misuse of Student Loans, they essentially sent back students funding but instead kept the money for personal expenses. I have tried to no avail to sort this out with RMS but it is difficult now that XXXX has been shut down essentially because the Federal Government would not send anymore student aid to them and they filed for Bankruptcy closing all campuses. I have contacted them but have left several messages to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 41 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is a fraudulent business with no identifiable contact information and/or address. I sent a letter to them disputing the validity of an account which was returned to me indicating the address was vacant. I then disputed the validity of this debt with Transunion and demanded that I be provided with original documentation indicating ownership of this debt. Transunion closed the dispute indicating the information was accurate, however, I was never provided with the necessary documentation such as master promissory note or original loan documents. I have yet to be provided with anything, however, Transunion closed the dispute anyway, thus this needs to be removed from my credit report 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 2019-05-02 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
This account is paid off but is being reporting in the status area and comments area that it's charged off. I have spoken to 3 individuals at One Main and faxed over letters and screen shots showing what is being reported to the credit agencies. Neither XXXX or One Main will fix this problem. This has been on going for close to a month and half between both organizations. Each placing the blame on one another.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 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: CA

Complaint narrative:
XXXX mixed my file with someone else. I do not know if it was id theft or someone elses actual credit file. But the skinny is that Portfolio Recovery Associates ( PRA ) did not have any of my information until XXXX provided my social, address and name to PRA. 

I did an experiment. I called PRA and they said I have a collection from XXXX for me. I have 2 XXXX accts right now. I told them to hold while I get XXXX on the line to see if they have any OLD collections from me. PRA first said yes they would stay on line and when I called XXXX on conference call PRA refused to stay on and we were on recorded call ... they didn't want to hear the truth. 

PRA disconnected, and I stayed on with XXXX and asked if they would be able to see ANY old collections. Rep. said she would be able to see any OLD collections ... I asked if she sees ANY old accounts for me on file ... she said NO. So now I have proof that PRA switched info in it's records to come after me for no reason. 

PRA has reported 8 unwarranted collections on XXXX, XXXX and XXXX. 

Just wanted to share.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 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:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see pages 45 and 46 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 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: TX

Complaint narrative:
Equifax is offering online services and online disputes and charging a monthly fee for credit monitoring etc. I have tried forever to submit and online dispute and getting errors about my information not being valid. I feared that there was fraud on my Equifax credit report so I signed up for their service and paid money. Now I find out after doing so that their online dispute system is down and has been down for a YEAR! If its down and not working why do they still have the link up and no statement on their website that its down and not working. This is quite shady of them and seems like a scam to strike fear into people only for them to find out that this MAJOR ORGANIZATION CAN'T SOLVE A SIMPLE WEB SITE ISSUE IN OVER A YEAR! 

I also have been unable to request my credit report online with them, until I signed up with their service and paid them, they wanted me to mail in a form containing my very sensitive information which I'm not comfortable doing. 

My credit report is supposed to be free and I couldn't get it free from them. It was odd that when I signed up for their service and paid them they were certainly able to pull the information and send it to me with no problems.

Company response to consumer: Closed with explanation