vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-10 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Account for XXXX XXXX XXXX, opened XXXX and closed on XXXX. Account shows chargeoff of XXXX. That is incorrect. Account was never late nor charged off. Account was closed in satisfactory staus paid as agreed with XXXX balance. XXXX XXXX  refuses to remove or correct.

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 2017-07-10 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: AR

Complaint narrative:
Arkansas State apparently initiated a tax lien against me for tax year XX/XX/XXXX. I was told by two government officials that since I filed my taxes from an Arkansas address inXX/XX/XXXX, they assumed I owed Arkansas tax for XX/XX/XXXX but I did n't live nor work in Arkansas in XX/XX/XXXX. I wrote the governor and got notice that the lien was released but it 's still on my credit report, making my score in the " poor '' range.
<P/>
I disputed it with one of the credit reporting agencies but they said it was being reported correctly so they could not remove it.
<P/>
I never owed the tax so the entry should be vacated, removed from my credit report.
<P/>
I contacted XXXX  County ( Arkansas ) and they said I had to contact the State. I contacted the State and they said they are not the ones to remove it. I have no idea how to get this removed.
<P/> XXXX County Court {$8200.00}. Filed XX/XX/XXXX, Released XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX.
<P/>
Bad enough they took 5 years to actually report it making it harder to document the issue. The IRS has my XXXX and can plainly see I did n't work in Arkansas. How does one prove one did NOT live somewhere? Like I can get a copy of my lease from ( now ) 10 years ago?
<P/>
I want to buy a house but it 's impossible with this incorrect tax lien on 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 2017-07-10 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: TX

Complaint narrative:
I 've mailed Equifax validation letters for them to validate the information Equifax yet has provided me with anything. I 've called Equifax to to discuss the matter as Equifax has not did anything. There are accounts that were disputed and closed on all three credit reports and Equifax had not deleted the accounts. The collection agencies have closed the accounts. There are accounts that were closed in XX/XX/XXXX up until now Equifax has not deleted and updated the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX 2017, I called syndicated office systems to payoff all medical bills. One was for a {$100.00}, then another one for {$90.00}. But when I told her about the one for {$80.00} she told me she had no record of it, and if I wo n't it off my credit report I must Dispute it. I ca n't dispute it without a account number, and ca n't pay it. Because it 's not on there system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I got my XXXX credit report. Two addresses where reported, I have never been to or lived at. XXXX .... I called bank of America, after 3 hours, I had enough! I filed a complaint with the BBB. I just got a response from b of a that says to call the credit bureaus! B of a reported these address! Th credit bureaus say call them, they say call someone else! Sick of all of you! I hate people ... ..

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 2017-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
IN PLAIN SIGHT, BANK OF AMERICA PLACED ITS NAME AS LENDER IN PLACE OF XXXX XXXX XXXX ON A IN-HOUSE MODIFICATION ON A MORTGAGE LOAN BANK OF AMERICA NEVER FINANCED Although, XXXX XXXX XXXX was the original lender on my loan XXXX XXXX XXXX went bankrupt and this is where Bank of Americas corruption begins. In plain sight, Bank of America has committed one of the biggest schemes of all time. Bank of America has no standing on our loan and Bank of America was never the lender on our loan. The Chain of Title is broken and the chain of title was never maintained and preserved through the use of formal written documents on our mortgage loan proving Bank of America never financed our loan. Bank of America never bought out our loan. Bank of America never bought out our loan and transferred title. Bank of America placed its name as LENDER on a mortgage loan that Bank of America never ever financed, refinanced, transferred or bought out from another lender. In plain sight, Bank of America placed its name as lender in place of XXXX XXXX XXXX on a In-House modification. Upon requesting Bank of America to correct the In-House modification documents and remove Bank of America as Lender and replace their name with the correct lender, Bank of America tried to do a short sale without our permission and then Bank of America transferred our loan to XXXX XXXX XXXX XXXX in an attempt to cover up wrong doing. A investigation of all consumers who received Bank of America In-House modifications and meet conditions A through G listed below will result in a class action law suit against Bank of America on behalf of all mortgage loans that originated with XXXX XXXX XXXX and meets the following conditions : A ) Firstly, mortgage loan was financed by XXXX XXXX XXXX.
B ) Secondly, mortgage loan was serviced by XXXX XXXX.
C ) Thirdly, mortgage loan was serviced by Bank of America.
D ) Fourthly, Bank of America denied mortgage for a Hamp Modification.
E ) Fifthly, Bank of America did a In-House Modification.
F ) Sixthly, Bank of America put its name in place of XXXX XXXX XXXX as lender on In-House Modification documents.
G ) Seventhly, Bank of America transferred Loan to 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 2017-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
On XXXX XXXX 2017, a rep from XXXX XXXX Hospital called me about a medical bills in the amount of {$1300.00}. She stated if I do n't pay it she was going to put it on my credit. I informed here that I have insurance and the bill should have been bated Thursday them. She said they do n't have insurance information on file. I gave here my name D.O.B and social security number. And she pulled up my old insurance information. I told here that insurance information is not right and gave here the correct information. She was very rude and aggressive about it. So I 'm thinking she did put the correct insurance information on file. And I did not receive a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I got my experion credit report. Two addresses where reported, I have never been to or lived at. XXXX .... I called XXXX XXXX XXXX after 3 hours, I had enough! I filed a complaint with the BBB. I just got a response from XXXX XXXX XXXX that says to call the credit bureaus! XXXX XXXX XXXX  reported these address! Th credit bureaus say call them, they say call someone else! Sick of all of you! I hate people ... ..

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 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
When I was in college in 2002 I had some non government guaranteed private loans with XXXX XXXX. I subsequently filed bankruptcy, and these accounts were included in the bankruptcy. I was told they may not be discharged. <P/>Since then, the accounts appeared as XXXX XXXX accounts and I had them removed from my credit reports. Recently, they have all been reappearing as Navient XXXX These accounts were closed and charged off over 10 years ago and Navient is reporting them as still active and able to be reported on my credit report. This is in clear violation of the FCRA and the FDCA. <P/>Please assist me In the removal process. I have attempted to contact Navient and also disputed with the credit bureau ( XXXX ) XXXX and XXXX have corrected the issues. <P/>Thank you, XXXX XXXX SSN- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I was in college in 2002 I had some non government guaranteed private loans with XXXX XXXX. I subsequently filed bankruptcy, and these accounts were included in the bankruptcy. I was told they may not be discharged. <P/>Since then, the accounts appeared as XXXX XXXX accounts and I had them removed from my credit reports. Recently, they have all been reappearing as XXXX XXXX. These accounts were closed and charged off over 10 years ago and XXXX is reporting them as still active and able to be reported on my credit report. This is in clear violation of the FCRA and the FDCA. <P/>Please assist me In the removal process. I have attempted to contact XXXX and also disputed with the credit bureau ( Experian ) XXXX and XXXX have corrected the issues. <P/>Thank you, XXXX XXXX SSN- 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 2017-07-10 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: PMGI, LLC
State: CA

Complaint narrative:
After reviewing my XXXX credit report I found that a debt collection company ( PMGI LLC ) located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA had pulled my report on two separate occasions : XXXX XXXX, XXXX and XXXX XXXX, XXXX. <P/>Both times without my consent or knowledge. I sent a letter to the company notifying them of the issue.

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 2017-07-10 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: CA

Complaint narrative:
After reviewing my Experian credit report I found that a debt collection company ( XXXX XXXX ) located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA had pulled my report on two separate  occasions : XXXX XXXX, XXXX and XXXX XXXX, XXXX. <P/>Both times without my consent or knowledge. I sent a letter to the company notifying them of the issue.

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 2017-07-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have recently obtained a copy of my credit file and there are many mistakes in my report.   According to the Fair Credit Reporting Act , Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.   I demand to see Verifiable Proofs of the accounts you listed as below :  XXXX   XXXX   XXXX   XXXX  -ACCOUNT NUMBER  XXXX  : Unverified account  XXXX  - ACCOUNT NUMBER  XXXX   XXXX  : Unverified account  XXXX  - ACCOUNT NUMBER  XXXX  : Unverified account   XXXX   XXXX   XXXX   ACCOUNT NUMBER  XXXX  : Unverified account  XXXX   COUNTY  RECORDER DATE FILED  XXXX / XXXX / XXXX  : Unverified public record US BKPT CT CA  XXXX   XXXX  DATE FILED  XXXX / XXXX / XXXX  : Unverified public record Additionally, my address is  XXXX   XXXX   XXXX   XXXX   XXXX   ,  CA  XXXX  Please update.

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 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are XXXX erroneous hard inquires on my Equifax credit report. Further they are additionally dubious not just because I did not initiate them but they contain no lender contact data information ( see attachment ) which is a violation of current Credit reporting regulation, in other words according to Equifax I could n't contact them to dispute these hard inquires if I wanted to ( I do ) because they refuse to post contact info or is missing due to grave error. The added rules that went to effect XXXX XXXX clearly sate all tradeline data including court data must me accurate or it must be automatically removed without question. The XXXX tradelines are : XXXX From XXXX XXXX, 2017, XXXX XXXX from XXXX XXXX and XXXX XXXX 2017, and XXXX XXXX from XXXX XXXX 2017. All state that : " No contact information has been report by this creditor ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
My XXXX school loans were being serviced by XXXX XXXX. When I applied to PSLF, Fed Loan Servicing unfortunately took over. I refinanced part of my loans with a private lender XXXX. XXXX XXXX received the check from XXXX for the payoff amount of {$77000.00} to pay off the XXXX ( non -direct loan ) portion of my student loans. XXXX XXXX cashed the check within 1 week. XXXX XXXX then forwarded the money to Fed Loan Servicing. It has been 6 weeks, Fed Loan Servicing has not posted my payment. I have called several times. They keep telling me it takes a while to process a payment. I would like someone to look into this matter. I feel they have misplaced funds. It is unacceptable to wait this long to process a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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:
I have recently obtained a copy of my credit file and there are many mistakes in my report.   According to the Fair Credit Reporting Act , Section 609 ( a ) ( 1 ) ( A ), you  are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.   I demand to see Verifiable Proofs of the accounts you listed as below :  XXXX   XXXX   XXXX   XXXX  -ACCOUNT NUMBER  XXXX  : Unverified account  XXXX  - ACCOUNT NUMBER  XXXX   XXXX  : Unverified account  XXXX  - ACCOUNT NUMBER  XXXX  : Unverified account   XXXX   XXXX   XXXX   ACCOUNT NUMBER  XXXX  : Unverified account  XXXX  COUNTY RECORDER DATE FILED   XX/XX/XXXX   : Unverified public record US BKPT CT CA  XXXX   XXXX  DATE FILED   XX/XX/XXXX : Un verified public record Additionally, my address is  XXXX   XXXX   XXXX   XXXX   XXXX   ,  CA  XXXX  Please update.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Date : XXXX/XXXX/XXXX Attention : XXXX XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX  Regarding 2 Accounts Numbers Below ... Accounts XXXX XXXX XXXX & XXXX XXXX Time after time again I have asked / request in witting a complete full statement from your company with your company heading which since from XX/XX/XXXX up until XX/XX/XXXX I have never been in receive of not been as after the request has been given and submitted by your employees : 1 )  XXXX Employee ID # XXXX 2 ) XXXX Supervisor ID # XXXX My Request has been submitted time & time again for the past FEW years and never have I XXXX ever been able to receive a bill via mail from you .. I know ask that if possible can YOU PLEASE mail me out ALL FULL STATEMENTS FROM DATE : XX/XX/XXXX UNTIL DATE : XX/XX/XXXX Even if able give me access back to the web site of your company computer system where I can obtain them and print the billing statements out myself PLEASE I BEG of you for the 100000 TIMES Since XX/XX/XXXX!!
You have CLOSED my account and NOT given me access to pay YOU for the OUTSTANDING AMOUNTS which you have SOLD off to another company for COLLECTIONS!! Your behavior is very bothersome to me as a citizen of the United States and I know for a fact that I have No Knowledge of any outstanding Debt that You Claim I owe YOU!! Beings that YOUR COMPANY XXXX XXXX XXXX HAS NEVER MAILED ME OUT ANY STATEMENTS TO MY MAILING ADDRESS .. JUST Recently, after your rep walking threw to gain access NOW YOU 'VE BLOCKED me from access the account on your web site!! ALL I HAVE BEEN TOLD IS THAT PAY ON LINE VIA ACH.. directly from my computer to your web site!! I am begging YOU XXXX XXXX XXXX to please give me the statements that you say you sent to me and my request of for ( COPIES of ALL STATEMENTS PLEASE from XX/XX/XXXX too XX/XX/XXXX PLEASE!!! Please send ALL statements as soon as possible and I will be more than happy to pay off what you claim I owe you ... .. NO WORRIES AT ALL!! Please Mail Me Proof of ALL Statements from XX/XX/XXXX too XX/XX/XXXX Thank You Kindly Respectfully : XXXX  cc : XXXX XXXX XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX cc : XXXX XXXX XXXX cc : * XXXX XXXX XXXX XXXX XXXX MCM XXXX XXXX cc : MIDLAND FUNDING , LLC & MIDLAND CREDIT MANAGEMENT, INC cc : XXXX # XXXX MCM ACCOUNT # XXXX / Document Types Request : Chargeoffstatemnet cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was deceived into credit card charges of {$26.00} ea. month when I thought it was for {$1.00} for a credit report from experian. I 've tried, for well over a year, to get experian to stop charging my credit card. I 've called, more times than I can count, reported this to my credit card company and even cancelled the card ( twice ) and requested a newly assigned account number. Somehow, experian still charges the card ... every month. When I call them, they tell me different stories. They hang up after long hold times, say they 're going to cancel the charges and do n't do it or they might say they ca n't find the account and it goes round and round ... wasting my valuable time and money. They will not stop charging the card! I do n't know what to do and then I wondered how many others have had this same problem. So, I searched and found many others! I 'm thinking I need an attorney but this is ridiculous ... right? I found there are class action suits and experien needs to be listed. I left a message with XXXX. I 'm going to try to find one or create a suit to get money for all my wasted time or months I could n't call and they charged me. It takes time ( I do n't have ) on the months, when I call my credit card company, for me to continually request they take the charges off. But they keep telling me to call and stop the charges through experian. I 've spent hours and hours on the phone. XXXX XXXX does n't seem to be able to block them from charging each month. It 's like I 'm caught in some twisted twilight zone  episode of the ruthless, greedy and relentless stalking company ... '' experian! '' I 'm so tired or taking to representatives, supervisors etc ... who do nothing to stop these charges. Please help me. Something needs to be done to stop 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 monetary relief
Consumer complaint received 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX AUTO LOAN NOXXXX DAILING THIS ACCOUNT TO ALL CREDIT BUREAUS, ESPECIALLY XXXX.

Company response to consumer: Closed with explanation