vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I properly filed a dispute of XXXX unknown medical accounts with Equifax on XXXX/XXXX/2015, they responded with a request that I contact the reporting collection agency, which I did on XXXX/XXXX/2015 ( proof of delivery attached ). The reporting collection agency did not provide me with any valid answer. I re-disputed to Equifax on XXXX/XXXX/2015 with a copy of my letter to the collection agency and proof of their receipt, Equifax again refused to properly investigate or delete these XXXX unknown medical accounts. Equifax opened the investigation XXXX XXXX, 2015 and mailed me the results of the investigation by XXXX XXXX, 2015. Equifax is the only credit reporting agency reporting these XXXX unknown medical accounts. I also contacted the reporting collection agency on XXXX/XXXX/2015 via phone ( since they were not responding to my requests ) I was told that they do not hold these XXXX unknown medical accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX. is claiming that I opened this account in XXXX, yet my date of first delinquency was XXXX. I have explained to Equifax and XXXX that this account is not mine. I did not open any accounts in that date and further it was on my credit report from XXXX, was removed and then added back as new debt. I have spoke to XXXX and they admitted the account was from XXXX originally. This is not my account because I have not applied for any credit from anyone since XXXX. I have asked this company to even tell me what this is for and they said its from XXXX. I have not had any XXXX anything since XXXX and left with XXXX balance on my account. I demand this be removed from my credit report. Its extortion and illegal at the highest levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I send certified letters for the past 4 months, asking for verification of unverified accounts listed on my credit report. I have demand in each letter for copies of the original contact with my signature or immediately deleted the unverified account. 

Despite my requests, the unverified items still remain on my credit report and this is in violation of Federal Law and my rights. I have not received any original contacts from the credit agency and by law is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of credit agency investigations, it stated in writing that agency " verified '' that these items are being " reported correctly ''? My question is, who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

please note, if you need copies of the letters send, please inform my by email. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There is an open account shown on my credit report that is categorized as " family support ''. The lender is listed as New York State. This information is extremely outdated. That account has been paid in full as well as closed for several years. I feel it may be impacting my score and respectfully ask for your assistance in removing it. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For more than XXXX years I have been disputing derogatory and fraudulent information on my credit reports. 
Equifax is causing havoc and inaccurate information to the public. I look to your help to resolving this matter. Since 2012 I have been disputing fraudulent information from XXXX XXXX XXXX to Equifax from my credit report. 
I have spoken with employees from XXXX XXXX XXXX and Equifax and there refusal to remove harmful credit information. I seek you assistance and information to resolving this matter. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had bankruptcy about XXXX years ago, Equifax reported this account for XXXX yearswhile the other XXXX reported for XXXX years, Now I have applied for a loan. 
with XXXX XXXX, the loan officer tells me I have bankruptcy, Under federal lawten years is the max time to report but in this case, this is the XXXX year. 

another one is XXXX XXXX reporting XXXX dollar bond that was disputed and the case is pending in XXXX district court of Georgia ( federal Circuit )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The collection accounts on my report are medical and are using illegal balance billing especially on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My old address is listed as XXXX XXXX, XXXX, XXXX XXXX with my employer at XXXX XXXX XXXX XXXX in XXXX, XXXX 1964. In 1964, I was in high school. I can not live in XXXX, XXXX and work in XXXX XXXX for a company that is long out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
Around XXXX XXXX, XXXX, I have received an alert for a collection on my credit report. I researched the collection, it was determined to be a medical bill from XXXX XXXX, XXXX for my son. I spoke with XXXX, XXXX XXXX XXXX. She explained it was {$620.00}. I contacted, XXXX, my insurance stated a claim had not been submitted. Upon further investigation, no one updated the contact and insurance information provided at registration. XXXX XXXX, XXXX XXXX XXXX XXXX, I received a call from an individual that stated she was calling for a debt for XXXX XXXX. She did not provide information on an amount or whom the debt was owed. I explained that I have recently disputed this debt, pending an insurance claim from the physician 's billing company. She began arguing as to I am responsible to submit the claim to XXXX, though she can not provide information as for who is the attending physician, the date of service, service provided, or an amount owed. She got extremely loud, stating that " I am responsible for this and I need to take care of this! '' Then she hung up without providing any other information. I spoke with my husband, and we called the original caller ID number, XXXX. Upon calling this number, I reached a company in XXXX, IN. The male on the phone would not provide his name and grudgingly gave the collection agency name, Phoenix Financial Services. He proceed to argue on how to resolve the lack of an insurance claim. He stated he needed my information, so that XXXX will pay the bill. I tried to explain that the physician needs to submit a claim to XXXX. He states that XXXX will not pay a claim after 1 year, which I know is a lie, as XXXX paid the emergency room bill from XXXX XXXX, due to hospital 's failure to update information properly. They were trying to use an address from 10 years ago. The male could not provide any information, as to whom the original creditor, contact information, or an amount of this debt. I have since, visited XXXX, name change from merger. The hospital was able to provide a phone numbers for possible outstanding physician bills. Also, I have not received any written notices from Phoenix Financial Services concerning any dispute right I may have in this matter. I do know that XXXX XXXX governs XXXX and the military health insurance when it comes to billing and what may be owed, after claims are made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BYL Collection Services
State: NV

Complaint narrative:
I have notified this company several times that this XXXX bill was included and discharged in a chapter XXXX bankruptcy discharged XXXX/XXXX/2010.

Company response to consumer: Closed
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
I requested a loan modification and was working with XXXX XXXX who sent me documentation that showed that I was approved for a loan modification and then I received a letter from law firm that my home is scheduled for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
I was told that our house is in the process of Modification since we informed our Servicing Loan company that we would like to keep the house. Their latest communication to us was on XXXX XXXX, 2015 where they requested to submit list of documents and, as our response, we submitted the required documents last XXXX XXXX, 2015. The deadline for the submission is on XXXX XXXX, 2015. However, in the mail, we received a Notice of Sheriff 's Sale of Real Estate last XXXX XXXX, 2015 from XXXX and XXXX with a Sale date of XXXX XXXX, 2015. 
We got confused because the XXXX XXXX, 2015 communication we received, was a congratulatory letter that our Application for Modification is in the beginning of the workout process. We thought for a while that the XXXX Sale letter is just a miscommunication between their legal and mitigation departments. But just to in the safe side, we decided to submit this concern to your office because we do not want our house to be sold and our application for modification is still very active. 
What we would like to achieve at this moment is, that we would be given the opportunity to prove our capability to pay by subjecting us under the Trial Period Plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
While checking my credit score on XXXX, i noticed an account closed on my XXXX report and the same account open on XXXX. There is no close date, it still shows incorrect information and theres a statement of foreclosure started. The funny thing is, Bayview loans has not sent a single document since XXXX when they bought the loan from XXXX. In fact, there is no closed date. My mail is not the issue as my postmaster for usps in XXXX is under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
Bayview Loan Servicing took over my mortgage in XXXX XXXX at the time I already had an APPROVED Load Modification agreement in place from XXXX XXXX ( previous mortgage company ) who sent me an agreement along w/trial payment schedule to commence on XXXX XXXX thru XXXX XXXX ( 3 mos ) at that same time I received a letter from Bayview ( never heard of company but looked up which had nothing but negative claims against the company ) therefore I thought the letter stating they were taking over my mortgage was a scam. I reached out to my contact at XXXX XXXX and they informed to start my loan modification trial period with Bayview who is taking over as of XXXX XXXX. We all had a 3-way email convo where XXXX XXXX warned Bayview that they have to legally honor the loan mod agreement that was already in place and I was to make 1st payment to Bayview on XXXX XXXX. I made the 3 trial payments not only on time but earlier then XXXX of each month and have the proof. I battled with Bayview since day one, from getting a responsible person to correspond with me, conflicting info, etc. I was given a Rep that I was to work strictly with whom never responded back to me but I STILL cont 'd to make monthly payments even after trial period, never missing a month. After threatening legal action, I received my long awaited loan modification agreement in mail that stated I successfully completed the trial period ( 4 months AFTER the trial period ). The loan modification agreement is beyond corrupt - the amount they are trying to increase my loan amount to, fluctuating rate so I reached out to my new Rep I was assigned to requesting some information on the agreement, to please provide proof of missed payments and how they come up with the amount of repayment owed on loan ( normal concerns before signing a legal agreement ) but again I am getting XXXX courtesy of a reply. The statements I receive each month are incorrect - I asked Bayview to explain where is all the money I have paid to date, over XXXX ( no reply again ). I am not sure how this company is able to stay in business legally on how corrupt it is, please assist me on retrieving a legal loan modification with them or retrieve my money back that they stole. I believe with all the complaints against this company an actual legal investigation and class suit action may need to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
I was never seen in a room. I had XXXX in XXXX places, and they sent me to the medical clinic across the street. I only registered there then was told to go across street to clinic. Dr. did terrible job, .I might of had a XXXX but not XXXX in one day. My husband was with me he should be responsible if anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Earm LLC
State: OR

Complaint narrative:
Implying they are from a legitimate government agency and threatening to notify police to serve me at my place of employment if I did not pay by XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
Checksmart Financial, LLC calls me multiple times a week for a debt that is not in my name even after being told repeatedly the person they 're looking for does not reside at my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: AL

Complaint narrative:
I sent {$800.00} by Western Union to my friend who was robbed while vacationing in XXXX. She presented here passport as Identification and the agent had her fill out and sign ( before receiving the cash ) all the paperwork. The agent then called the store manager over to give here the cash because the amount was too high for here to disperse. The manager again inspected here passport and then refused to give her the money because her middle name was on her passport, but not on the money transfer. They then told her that the transfer would be cancelled and I would have to resend it. When I went online to resend it, the transfer was listed as being received by my friend. I then contacted Western Union by phone and was told that it had not been canceled and it had defiantly been picked up. After talking to several more people on that call I was told that the agents in XXXX must have made a mistake and not cancelled the transaction. My friend went back to the agents in XXXX and told them this and they said she was wrong, the transfer had been cancelled. She requested that they call Western Union and talk to them to figure out what was going on and they refused. This transfer was on the XXXX of XXXX, 2016, and ever since then I, and my friend have been trying to get this corrected and find out where the money went. Western Union asked if I would like a formal investigation of this transaction and I told them to do so. Since that time I have heard nothing and am unable to reach anyone that can tell me any information about the investigation, or if the investigation is even occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Debt Management Partners LLC
State: TX

Complaint narrative:
A man by the name of XXXX XXXX contacted me regarding a debt owed saying it was from XXXX XXXX XXXX for approximately XXXX. This man ID Himself as a detective when he is really a collections agent and stated that I missed a court hearing for a civil suit that was filed against me and that if I did n't pay the moment today a bench warrant would be issued for my arrest and I would go to jail. He also threatened my liscense being suspended and wage garnishment. I want my account removed from this company and k want the harassment to stop. This man did not validate my debt read me the mini Miranda advising me of his attempt to collect a debt and would not provide me with there companies address. I found out through XXXX XXXX XXXX that they sold the debt to debt management partners LLC who sold it XXXX that they are the ones with the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My husband lost his job in XXXX weeks before we closed on our house and we tried to pull out of the loan and instead they told us they would open up a home equity line to help us pay the mortgage until we were back on our feet we ended up financing almost 100 % of the home price We tried renegotiating the loan several times to get rid of the home equity line because we were only able to pay the interest on it but because of declining home prices and the economy no one would touch our mortgage I had to close my business and XXXX and file an LLC chapter XXXX I reaffirmed both the mortgage and the home equity line however when we tried for a loan modification in XXXX XXXX I suddenly started receiving letters about a bankruptcy and charge off of our home equity line when I looked at my credit report I noticed it was reported to the credit agencies that the home equity line was included in the bankruptcy and it was not I contacted Wells Fargo about it and the credit agencies but Wells Fargo insisted that it was not reaffirmed even though I sent proof to them and the credit agencies then they told me the credit line was charged off and if I wanted to continue to pay it there would be no more interest accrued and I would be paying down the principal My credit score declined after they reported this now we received a letter stating that the equity line is in a repayment process and we must start painting paying {$350.00} a month in XXXX we have been waiting to hear the outcome of our loan modification since XXXX XXXX and have been getting a run around ever cents please helpWe owe {$270000.00} on the house plus an additional XXXX on the line of credit and the house next-door to us just sold for $ XXXX applying for the home modification we were advised by Wells Fargo home preservation specialist to become a month behind on our mortgage or it would look like we were able to pay the mortgage and we would have a better chance of the modification if we were behind in payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, we refinanced our home. That mtg. company subsequently sold our loan to Wells Fargo without notifying us. We kept paying the mortgage to the old company and they were forwarding to Wells Fargo without our knowledge. When they stopped forwarding the money, we heard from Wells Fargo about our payment being late. XXXX of the credit bureaus has fixed this issue on our credit, but the other XXXX still have n't. Please help us with the other XXXX credit bureaus, as we would like to refinance.

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