vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-23 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: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX  XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) trans world system inc 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Over the past few weeks i have been getting calls at my workplace from a company called " Convergent ''. its only a machine with a call back number then it hangs up. The call comes in usually around XXXX XXXX. on XX/XX/18 at XXXX i called the number that was provided by the automated call and asked them to stop calling my employer. they took the last 4 numbers of my work phone number down that i asked them not to call then hung up on me. on XX/XX/18 at XXXX the call came through my employer again so i called the number on the caller i.d . and not the one provided by the automated call in hopes this would solve the issue. i again asked them not to call my work and they took the whole phone number down and said they will put a note on my account to not use my work number then again hung up on me. this morning, XX/XX/18, at XXXX i got a call in my office from this same company. these calls have become harassing and is putting my employment at risk.

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 2018-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: SC

Complaint narrative:
I have disputed this account not knowing at first who it was. After research I realized it was from an apartment I rented over 5 years ago, that I never missed a payment nor was late ever. When I moved out I spoke with front office giving them a month notice saying they could keep my deposit.I was told that everything was fine. I even called original company and was told I don't owe anything. This company that is trying to collect a debt from me that I have never even heard of for the amount of XXXX. This is insane and I have never even spoke with them and never have I even received any notice from them. This is all unauthorized and is breaking the law by damaging my credit with false reporting. I want this issue deleted from all 3 credit reports instantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter in the mail from Comenity Bank regarding my XXXX XXXX account. The letter stated that as of XX/XX/XXXX my account was closed due to inactivity and information in your credit report. I dispute this action because I have made several purchases on my account, the most recent being XX/XX/XXXX. The letter goes on to list the following reasons for closing the account : bankruptcy status on credit report ( bankruptcy was filed and discharged 4 years ago ), delinquent past or present credit obligations with others, and unable to verify credit history. I called and spoke with a representative at XXXX XXXX who was unable to explain exactly the reason why my account was closed so I asked to file a formal complaint and was transferred to a supervisor who took a formal complaint. He did not seem too sure as to why the account was closed as he did not even have a copy of the letter himself. My account was opened in XXXX or XXXX and since then my account has ALWAYS remained in good standing. I have NOT ONCE gone over my limit and I have NOT ONCE been late making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I had a bill through XXXX XXXX XXXX XXXX in XXXX, Texas. I called them on XX/XX/XXXX regarding this matter. The original amount was covered by insurance.There was a patient responsibility amount for {$40.00} which was also paid. XXXX realized their error and my insurance, XXXX XXXX XXXX issued a check # XXXX on XXXX, XXXX, XXXX to bring the account to a {$0.00} balance, paid in full. I received a letter from XXXX XXXX XXXX on or around XX/XX/XXXX. I notified Paramount Recovery Systems collection company ( a XXXX XXXX ) on XX/XX/XXXX that the debt was paid on XXXX, XXXX, XXXX, prior to any collection attempts or credit reporting and also provided the check number. I called XXXX, again, and they have informed that I have a {$0.00} balance on all accounts, new and old, in their system. The account number that they gave me is completely different than the account number Paramount has listed. Paramount Recovery refuses to update their records to show paid and have placed a collection amount of {$640.00} on my credit report. I've called them numerous times stating that the information that they are reporting is inaccurate. They refuse to update and therefore I am requesting that they remove this item from all 3 credit bureau reports immediately.

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 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Even though this is under XXXX XXXX XXXX, which is far as I thought had no affiliations with the Wells Fargo secure card but they secured card I had reported in as they were fraudulent activity back in 2014 on the card and thats why I had to close it. I informed Wells Fargo and let them know well in advance. The account on XXXX is still there Even though it says charged off and on XXXX XXXX and XXXX and its completely taken away. I am also part of a class action lawsuit against Wells Fargo for the multitude of fraudulent activity that is happened so far

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 2018-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Account Outsourcing Group, LLC
State: CA

Complaint narrative:
This XXXX calls my work and cell leaving me message and telling me that there is a case filed against and they need my HR department for garnishment of my paychecks she would not tell from who and when asked to send me the info through mail she got upset. I also told she is harassing me at work

Company response to consumer: Untimely response
Consumer complaint received 2018-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is related to Complaint XXXX. When Citibank FINALLY provided me with specific detail on XX/XX/XXXX regarding their decision to not re-issue my XXXX Credit Card, it comes to light that it was based on a so-called-charge-off on a Sears MasterCard Account ( they are the parent for the Sears Credit Cards ). With my own investigation it appears a Sears Mastercard  was fraudulently opened in my name on XX/XX/XXXX. I received no bills for payment for the fraudulent account ; therefore, was not aware of the fraud until XX/XX/XXXX. I pulled my XXXX Credit Report on XX/XX/XXXX. There is not a Sears account recorded on it. I pulled my XXXX Credit report today ( XX/XX/XXXX ). There is not a Sears account recorded on it. Due to my meeting directly with a local Sears store manager and his call to the CitiBank Executive Offices, I finally received a call from a man by the name of XXXX. That call happened about 3-4  weeks ago. He said he was going to research the issue. I have followed up 3 times with XXXX and had to leave voice mails. I have received no response at all.

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 2018-08-23 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: TN

Complaint narrative:
It has been over 90 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681. 
This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.

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 2018-08-23 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: TN

Complaint narrative:
It has been over 90 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681. 
This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.

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 2018-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
Dear Sir/Madam, There is a debt collection from the XXXX XXXX XXXX, wakefield & associates on my credit report.They changed their name to XXXX XXXX XXXX, wakefield & associates on my credit report for reasons I don't know.They claim i owe them the following : 1 ) {$770.00} for emergency service, open date XX/XX/XXXX initially {$770.00} 2 ) {$530.00} for emergency service, open date XX/XX/XXXX initially {$520.00} 3 ) {$530.00} for emergency service, open date XX/XX/XXXX initially {$520.00} 4 ) {$1200.00} for emergency service, open date XX/XX/XXXX initially {$1200.00} 5 ) {$580.00} for emergency service, open date XX/XX/XXXX initially {$580.00} They keep changing the amount of money they claim i owe them on my credit report.There was initially 7 debt collecions accounts on my credit report but 2 were deleted by XXXX after i filed for the 1st dispute.Those debt collections deleted were : 1 ) XXXX XXXX, XXXX XXXX {$760.00} for ambulance service open date XX/XX/XXXX 2 ) The XXXX XXXX XXXX, wakefield and associates {$110.00} for emergency service. 
They were paid for every visit and service they gave me by my insurance company ( XXXX XXXX-Medicaid ) .I contacted my insurance company about the issue and they promised to mail me payment receipts which i will then mail to XXXX so that they can delete the 5 remaining debt collecitons accounts on my credit report .They claim they were not paid by insurance, but that's a lie. I filed for a 2nd dispute but iam not sure if that will solve the issue.I will have to file for a 3rd dispute if XXXX  does not delete the remaining debt collections accounts on my credit report.Iam expecting the payment receipts from my insurance company within 30 days from now. These are people who are ruining my name and reputation so that they can jeopardize me.Here is their contact information as it appears on my credit report for the 5 remaining debt collection accounts, if you wish to contact them : XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX You can call my insurance company and ask them about the issue.You can contact me on XXXX or my email 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 2018-08-23 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: GA

Complaint narrative:
In my previous dispute with XXXX ( XXXX XXXX XXXX  credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX  and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XX/XX/XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX,XX/XX/XXXX with XXXX and XX/XX/2018 with Equifax. I  recently pulled my credit report and the only bureau that is current is XXXX ( see attached ). XXXX XXXX XXXX has not updated Equifax since XX/XX/XXXX ( see attached ) and XXXX since XX/XX/XXXX ( see attached ). I am again requesting that XXXX XXXX ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: NY

Complaint narrative:
I have A XXXX XXXX  on my credit report which is reporting wrongly. 

I have reached out to all three bureaus and XXXX XXXX to make the necessary changes which they have not done. The bureaus are not consistent with which months they are reporting late. If they did a proper investigation they would all match up to be the same months. Which leads me to be concerned that it may all be  inaccurate. 

.

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 2018-08-23 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: NY

Complaint narrative:
I have A XXXX XXXX on my credit report which is reporting wrongly. 

I have reached out to all three bureaus and XXXX XXXX to make the necessary changes which they have not done. The bureaus are not consistent with which months they are reporting late. If they did a proper investigation they would all match up to be the same months. Which leads me to be concerned that it may all be inaccurate. 

.

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 2018-08-23 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: VA

Complaint narrative:
***** Here was the response from XXXX : We have reviewed your concerns about the negative information on your credit report regarding this loan. Our records show that on XX/XX/XXXX, we submitted an update to the credit bureaus to which we report ( XXXX, XXXX  and Experian ) to remove the negative information for the XX/XX/XXXX reporting. We have pulled information from the credit bureaus and confirmed the update did occur and the reporting is accurate for both parties on the loan. Please be advised that if the credit report is not from XXXX, XXXX  or Experian, the credit update would not have occurred as we do not report to third party credit agencies.

***** XXXX XXXX  # XXXX**** shows every month being " OK '' and never delinquent. It subsequently shows that the loan was satisfied in XX/XX/XXXX. When you move toXX/XX/XXXX, however, it shows a 30 past due balance that is delinquent. There were 2 loans closed on XX/XX/XXXX, and my HUD contract shows this. However, the loan in question shows delinquent in XX/XX/XXXX. Please remove the negative information from my credit report and that of my wife.

*****

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 2018-08-23 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: GA

Complaint narrative:
I placed a dispute in to the major credit reporting agency on XX/XX/2017, yet I have yet to hear of any resolution to my issue. I am a victim of identity theft and provided proof of the crime and me being a victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I filed bankruptcy chapter XXXX XX/XX/2013 & it has been discharged. It appears on both XXXX & XXXX  but doesn't appear at all on my XXXX credit report. Many of the discharged accounts still appear as delinquent on all three credit reporting agency credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I filed bankruptcy chapter XXXXXX/XX/2013 & it has been discharged. It appears on both XXXX & XXXX  but doesn't appear at all on my XXXX credit report. Many of the discharged accounts still appear as delinquent on all three credit reporting agency 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