vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-17 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: GA

Complaint narrative:
XXXX, Trans Union, and XXXX continues to allow XXXX XXXX also known as XXXX XXXX XXXX XXXX to continue to keep a medical bill on my credit after it was paid to XXXX XXXX XXXX. ( XXXX ). The original company failed to Bill my secondary insurance. XXXX XXXX. Please see attached proof I had XXXX. XXXX, Trans Union, and XXXX has also failed to prove to me how they are verifying the following account. XXXX XXXX has also failed to send validation of this bill to me. Which is a violation of the FCRA. Please see attached information from previous complaints from the Better Business Bureau, where XXXX XXXX from XXXX XXXX admitted they received a phone call from my primary insurance XXXX, stating that the was sending additional payment. A check in the amount of {$1000.00} with Mail to XXXX XXXX XXXX XXXX 2017. BUT THIS BILL IS STILL UNPAID ON MY CREDIT, again this is A VOLATION OF THE FCRA. The FCRA also prohibits any account staying on the credit file if there'sreason to believe the item is being reported in accurately.. Please Please Read All of the following attached information. I 've been trying to fix this issue with XXXX XXXX. This was a hospital/doctors office billing insurance billing error and should 've never made it to my credit file..

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 2017-08-17 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: GA

Complaint narrative:
XXXX, XXXX XXXX, and Experian continues to allow XXXX XXXX also known as XXXX XXXX XXXX XXXX to continue to keep a medical bill on my credit after it was paid to XXXX XXXX XXXX. ( XXXX ). The original company failed to Bill my secondary insurance. Straight XXXX. Please see attached proof I had XXXX XXXX, XXXX XXXX, and Experian has also failed to prove to me how they are verifying the following account. XXXX XXXX has also failed to send validation of this bill to me. Which is a violation of the FCRA. Please see attached information from previous complaints from the Better Business Bureau, where XXXX XXXX from XXXX XXXX admitted they received a phone call from my primary insurance XXXX, stating that the was sending additional payment. A check in the amount of {$1000.00} with Mail to XXXX XXXX XXXX XXXX, XXXX. BUT THIS BILL IS STILL UNPAID ON MY CREDIT, again this is A VOLATION OF THE FCRA. The FCRA also prohibits any account staying on the credit file if there'sreason to believe the item is being reported in accurately.. Please Please Read All of the following attached information. I 've been trying to fix this issue with XXXX XXXX. This was a hospital/doctors office billing insurance billing error and should 've never made it to my credit file..

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 2017-08-17 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting on XXXX and Equifax a last reported date of X/X/2017 well past the discharge of the bankruptcy illegally and it is affecting my ability to get a home loan. They need to correct the date immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian is reporting the following inquiries on my report. I do not recognize these inquiries. They were not authorized. I have contacted Experian but they refused to remove the inquiries. They are negatively affecting my credit report and I want them removed. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received my 3 credit report and there are some inquires that are listed on it that NOT mine.. I contacted Transunion several of times. With contacting them they told me that I needed to contact every creditor on my report and obtain a letter of the deletion. Everyone that I contact advised me to dispute with Transunion repeatedly. Okay I contact ALL of the inquires that did n't belong to me. Have contacted TransUnion so many times to address the situation and it has n't been address.. I was advised by a Transunion US supervisor to go to my local police department and file a report. Which I 've taken the proper steps to get this removed. I just need this inquires removed this hurting my credit BADLY. It very emotion draining for myself, what I 'm trying to do with my life. I listed the following things : XXXX XXXX XXXX XXXX XXXX.- ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX - ( XXXX ) -XX/XX/XXXX XXXX XXXX - ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX- ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- ( XXXX ) - XX/XX/XXXX XXXX- ( XXXX ) XX/XX/XXXX I also contact XXXX as a financial company that I was using for a car I got. I volunteer return the car due mechanical trouble from day 1.. I stated that to the company and they said they are n't responsible for all of that. It was too much paying for the car and getting the car repair. I talked to the dealer was n't any help after WEEK 1. this is showing negative on my and mother credit and I need this off. because they no have the account anymore. But I did everything we are suppose to do make it and resolve it.

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 2017-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/XXXX my son went to CVS to wire {$250.00} to me. He went to the Kiosk machine and put the correct information where the money was going, my full name city and state. He then put his information. He was then instructed by the machine to go ahead to the cashier. Upon going to the cashier telling her what he was doing, she then called him by name and asked for his identification and funds, he gave her both, she then gave him a receipt, he left contacted me with the reference number, however I did n't go that day I went on the XX/XX/XXXX which is when I found out the money was n't there. I called my son and told him to go back to CVS he did, the cashier was n't at work he asked for the supervisor all while I 'm on the phone and explained what happened. The supervisor said it 's nothing he can do. So I called CVS on XX/XX/XXXX found out the supervisor name and the cashier name and explained it to the supervisor. He then told me she had been suspended for her mistake and that if it was $ 10- {$20.00} he would 've just written her up, but that a {$250.00} mistake was unacceptable, but that he nor CVS can refund me my money because they are a third party and that I 'd have to contact Money gram. He notice the mistake and admitted the cashier was wrong. And that somehow a another customer was in there earlier sending a money gram and that the cashier pulled his information. This customer lives in the same city, state and have the same zip code and the same first name as my son and lives about a mile away from us. My money was sent to XXXX. I contacted Moneygram and was given the run around for days, then was given almost 10 different numbers and people to contact at no prevail. Please help me it 's been a year. I 'm hurt and devastated about how this company has treated me so unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was kept on hold for a total of about 35 minutes and spoke to representatives for all of about 3 minutes. I have been trying to access my money through an online exchange called XXXX XXXX XXXX XXXX. I have every right to access my money in this matter and know many who access their money through XXXX with a TD account linked with no problems whatsoever. I get a message saying TD is blocking me from third party applications. I call support and he tells me " that 's no problem, we can just lift the block from your account '' he then puts me through to a tech representative who pretty much told me what I was talking about did n't exist and she could n't help me all while complaining to me about why the support rep put me through to her iin the first place. Then I asked to speak to the supervisor who actually gave me some service but told me that I cant access my account through XXXX. I feel targeted and very annoyed that I can see account transfers on friends TD Bank applications involving XXXX but I 'm told I cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sarma
State: FL

Complaint narrative:
today i received from my credit monitoring an email that stated i have agreed to a new inquiries on my credit report when in fact i have no notice at all. on all three credit company 's.
New Inquiries Inquiries that were generated when you authorized a company to request a copy of your credit report.
XXXX XXXX XXXX XX/XX/2017 Date Reported : XX/XX/2017 Business Name : SARMA - MORTGAGE DEPARTMENT XX/XX/2017 Date Reported : Business Name : SARMANCS XX/XX/2017 Date Reported : XX/XX/2017  Business Name : SARMA NCS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
These loans were taken out under coercion from my ex-husband. The only way to keep peace was to take out these loans. I was against taking these loans out. This is a case of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Debt Mediation, Inc.
State: PA

Complaint narrative:
I 've received calls for months now in attempts to collect a debt for a payday loan I never received. The company calls themselves Debt Mediation Services out of XXXX FL In college, back in XXXX, I inquired about these types of loans but never actually took one out. The calls stopped for a while, after doing research I found it was a scam and so I just blocked their call any time I they called Today XXXX/XXXX/XXXX. I received a voicemail from XXXX XXXX at XXXX. I promptly blocked this number on my phone : XXXX I then get a call from my sister that she received a voicemail from Debt Mediation services from the same person attempting to reach me. Her number is my former phone number of XXXX I called him back after he called my sister. He said the same speech as the previous person that I owe {$990.00} but they will avoid wage garnishment and a lawsuit if I pay now in the amount of {$280.00}. I asked him if this conversation was recorded. He said yes. I told him that my family is not to be contacted in this matter. He told me he has the authority to contact anyone he needs to collect a debt. I asked him about where this money was deposited and what bank account it was. He said he did n't have the account but that it was for XXXX XXXX XXXX XXXX back in XXXX. I asked him if he was aware that I have n't had a bank account with XXXX since XXXX when XXXX XXXX XXXX bought it. He said it was irrelevant. I told him I was not interested in settling. He threatened me with " we 'll keep calling '' and I asked if he just threatened me and he attempted to backpedal. I terminated the call. And told my sister to block them.

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 2017-08-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
A
merican Education Services ( PHEAA ) continues to harass my cosigner and I. After I made a payment in full, they still sent letters to my cosigner asking for payments on XX/XX/XXXX. This harassment needs to cease and desist or else I will seek litigation with an Attorney for the constant harassment that occurs. This company is overstepping its maximum authority by doing this.
2nd to that, their system is not updating reflected payments that were made a day or days prior. As of today, I 'm putting this company under scrutinized investigation for Unfair Business Practices. The excuses that I continue to receive regarding their " rules '' are not going to be accepted, because I truly do believe they have no idea what harassment is. While AES maintains they are controlling/managing the debt that is owed, they are not entitled to act as an unlawful debt collector, which is the gist of it.
If I have intentions to pay a bill and it is paid, you have no right to continue to send letters harassing either my cosigner or myself. I do n't care what the loan agreement says. As far as I 'm concerned, that 's beyond the scope of the limitations at this point because it was years ago. In prescribing debt owed, that 's what it is, debt owed. It does not legally obligate any company operating in the United States of America to create their own laws which appear to violate the laws of the Federal Government. In short, you are not entitled to act as a hostile debt collector. This is why The Federal Government of the United States created those laws to protect us civilians.
I will absolutely not repeat this again.
Regards, XXXX XXXX XXXX & Attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I ended my XXXX XXXX service. They continued to bill me for two months after. I called customer service after receiving a collection letter. I thought it was resolve buy now a whole other agency is harassing me. I also still have their equipment here ( TWO years later ) because they never sent me the XXXX return label they said they would send. I owe them nothing and have disputed this through the credit agencies twice now to no avail.

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 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC
State: MI

Complaint narrative:
The Maury Cobb Attorney firm is responsible for collecting a cell phone debt that I have with XXXX. When I left XXXX, I was told by the XXXX representative that as long as I paid {$30.00} per month, my account would not go into collections. This did not turn out to be the case. A representative from the Maury Cobb Attorney 's office has been calling myself ( XXXX ) and my wife ( XXXX ) a minimum of once but usually two times every day despite having setup a the same payment plan of {$30.00} per month with them.
I had the conversation with two different representatives regarding my payment plan over a two week period. I asked the second one if they were planning to continue calling me even though we set up a payment plan. Their response was yes. At this point, I informed the individual that I did not intend to answer any additional phone calls from the law firm as I am paying my bill as agreed. They stopped calling for a couple of days, but then have started back to calling at least once per day. Calling both myself and my wife daily at least once but usually twice seems like it would categorized as harassment. I hope that you can help me out with this matter. Here are some of the phone numbers that call me daily : XXXX, XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I have a XXXX XXXX XXXX that was in repo but I got it back and paid off my car. I 've been having my car since 2006. It 's still on my credit report and shows the repo still. When I paid off my car I was told I could get the repo removed once I paid off the title. It 's still there. I need someone to update all of my credit reports and remove this old loan as it is hard to get anything with this showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I had fraudulent charges made against a XXXX credit card I had years ago. The debt first showed up in XX/XX/XXXX or XX/XX/XXXX. I signed an affidavit with citicard disputing the charges in XX/XX/XXXX-XX/XX/XXXX. The debt was gone. Two years ago it shows back up and this Midland Funding LLC out of XXXX XXXX California starts trying to collect. I have disputed this several times with the various credit bureaus and they even acknowledge on XXXX that it was wrong on their part. Now they are threatening to sue me and sending me papers from alleged law offices here in Michigan. Today I got a letter from a bankruptcy attorney saying he wanted to help me because he sees i 've had papers sent against me in the local district court. This debt is not mine and Midland is not the original debt collector, which went away after I signed the affidavit stating the charges were fraudulent. Midland Funding LLC fraudulently bought this fake debt from some other abusive debt collector. This is all wrong and I am the victim of abusive and immoral debt collection agencies seeking no more than to profit off of innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I paid {$15000.00} in XXXX 2007 when I had a XXXX loan. My student loan was {$11000.00} that I owed. Then I lost my job. My student loan is now almost 4 times that amount now. I had XXXX XXXX then XXXX XXXX. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I sent several cease and desist letters to the company requesting that they stop call specific numbers. I have stated on numerous recorded conversations that my cell phone number is not to called on the auto dialer. I discussed this issue with a supervisor in XXXX 2017, and I am receiving calls in XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
dates : unknown Amount {$1300.00} Disputed previously and has re-appeared on my credit report. Informed Credit Bureaus and Diversified I have been a victim of identity thief also filed a report with my local police dept. I have know knowledge of the acct

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18 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:
I have a XXXX XXXX XXXX that was in repo but I got it back and paid off my car. I 've been having my car since 2006. It 's still on my credit report and shows the repo still. When I paid off my car I was told I could get the repo removed once I paid off the title. It 's still there. I need someone to update all of my credit reports and remove this old loan as it is hard to get anything with this showing.

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 2017-08-18 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander consumer, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added

Company response to consumer: Closed with explanation