vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: ID

Complaint narrative:
I was made aware of this collection through a credit monitoring service. When I checked my credit report it did not say who the original creditor was. I called the collection agency I.C System, Inc. and they notified me who the creditor was.. I asked the collection agency why the didn't make an attempt to notify me of the debt prior to reporting to the credit bureaus. The woman on the phone who was very rude said they received returned mail. They were sending the statements to the wrong address. However, they did have my correct email and phone number but made to attempt to make contact me that way. I had no knowledge of an outstanding bill with this creditor which was with a medical office as my insurance covered the treatment. I told the women I would contact them first. She again was very rude, was yelling asking me if I was going to pay the bill and I said, " No. '' I phoned the creditor and they notified me that I had a co-pay due from my treatments. They too had sent the bill to the wrong address but never called or emailed me to ask me for my correct address. The office manager realized that it was a mistake to send the account to collections and we made an agreement for me to pay the outstanding balance directly to them and they would call the collection agency to have the account removed from my credit report. I made the payment over the phone immediately. The collection agency reported the next day to XXXX XXXX and XXXX  that the account was paid less then the amount owed which was incorrect. Then I received a receipt stating that I paid the debt directly to them which is incorrect. Then they reported to the Bureaus that the account is paid in full but they refuse to remove the account from at the request of the original creditor has made this request more then 6 times. They have said they can't according to the law. They have said they can't provide a letter stating the account will be removed according to the law. They have said if I dispute the account they will fight it. I have manage to get it removed from my XXXX  credit report but I can't not get it removed from XXXX XXXX. They have been rude, given false information to me and the creditor numerous times, to the point I've hired a lawyer.

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 2020-07-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax reinserted a bankruptcy on my credit report on XX/XX/XXXX, after they took it off over a year ago. Equifax stated in an online dispute that they verified/validated the bankruptcy with XXXX XXXX which is untrue. I called XXXX XXXX at XXXX and spoke with a representative explaining that Equifax stated they verified a bankruptcy to Equifax. XXXX XXXX stated there was nothing in there files that shows I requested anyone to pull my credit since XX/XX/XXXX and that was a insurance company. My XXXX XXXX  file is froze due to identity theft and XXXX XXXX  assured me they did not verify any information with Equifax. Equifax stated they called a number that supposed to belong to XXXX XXXX  but the number they have on the file that equifax stated they used is a phone number that is to another country which is XXXX. XXXX XXXX does not have a number connected in XXXX. I have disputed numerous times an address that does not belong to me which is XXXX XXXX  XXXX XXXX, XXXX, ohio XXXX. Equifax reinserted that address also after taking the address off my credit report and reinserting with no validation. equifax has removed accounts that belong to me that I never disputed. Equifax removed my current permanent address without my permission. I live in nevada and have been her since XXXX. My address is XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, nevada XXXX my ohio address is XXXX XXXX XXXX, XXXX XXXX ohio XXXX. Equifax has ruined my credit report causing my score to plum XXXX plus points causing my score to go from XXXX to XXXX. This is a major problem and need to fixed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a loan with CAPITAL ONE and XXXX XXXX. I have always made my payments on time. For some reason I realized that there were charge off accounts on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX  and CAPITAL ONE and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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:
To whom it may concern I have been loyal customer to XXXX XXXX  credit card for over 5 years and during the 5 years I never missed a payment under any circumstances and been paying higher interest to them and fees more then XXXX $ over the years. Recently and when the covid 19 pandemic had started in XXXX I lost my job like to many New Yorkers and lost my uncle due covid 19 and I had the worst Financial situation in my life I called my bank begging for help and trying to explain to them how bad is the situation here XXXX at the time but they werent even ready to hear my story they said we can help you because you late already 20 days or so. that call was made In the middle of XX/XX/2020 and they said there is nothing we can do to help you. You still have to pay us the high interest and the late fees otherwise we will report you to the credit agency as a missed payment. also, I called later on XXXX to beg them to not report me as missed payment after they report missed payment for XXXX their answer were the same I begged them to report me at least as ( affected by the pandemic ) not missed payment and yet they refused and were so heartless and money hungry they were waiting for 5 years to do that to me. 5 years of perfect payments which they didnt like because they couldnt charged me higher interest then which is already high 24 % interest rate. Please help to stop these big bank who took advantage of me because the pandemic and destroyed my Financial history. These big bank didnt follow with care act specially XXXX XXXX with I had to beg for help that I never got from them .and kept reporting me as missed payment like I choose to to miss payment and they forgot it was all out my control and I was a victim of a natural or declared disaster. Nevertheless, I called Experian to ask for their lawful help and my right from the CARE ACT but they werent helpful at all and rolled for the big bank favorite and said even tho it was pandemic you were still have to pay them the only time you wont have to be them its if you dead.

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 2020-07-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2020 I contacted Equifax to have some hard inquiries remove that I did not authorize Equifax told me to call the creditors so I proceeded to call the creditors they told me to call Equifax so I contact Equifax second Time Equifax They told me to give a police report so I got a police report and all of the supporting documents and fax them in on XX/XX/2020 I never got a response I called to talk to a representative and they told me that they receive my police report and all my documents These are the Fraudulent hard inquiries XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Early XX/XX/2020 I submitted disputes along with my attorneys via USPS mail. XX/XX/2020 I get an email from Equifax that they are investigating. Now I've already tried a week prior to access my credit reports via Equifax which is impossible. The email ask me to click on a link to opt-in to receiving notifications via email. When I click the link, fill in my info I constantly get a confirmation failure. Then I set up an account, can't log in. Even after changing the password several times ( you can only input so many different times ) every time they send the link to my email to change. After changing, I still can't log in, then it locked me from logging in asked me to call XXXX. On XX/XX/2020 I called verified my self ultimate times, the representative is incompetent as well, ask me to change the password again, then it locks me out. She then says there is a problem with their system. Yea right and that I needed to call back in an hour. I asked for a supervisor and she did everything to keep me from talking to an supervisor, until I demanded. Then I thought, often these issues with communication occur with a break down in culture and understanding. When the supervisor came to the line, I asked him what country were they in and he refused to answer. Actually stated that they were not allowed to say so. I again explained the frustration with their system and how no one seems to understand what's going on or how to get us access. While waiting for the supervisor I started google searches and found many people complaining of the exact same issues. Many on XXXX. When a company has such personal information of ours, the constant threat of identity theft and then they offer us incompetent representatives from other countries does not give us the most trust with the company. I am not comfortable with this at all. I asked to speak to an american supervisor. Equifax has issues that are not experienced by the other consumer bureau agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Hello I tried several times to have my loan with Santander resolved after they unfairly repo my vehicle on XX/XX/XXXX, fortunately, recent my Attorney general from the state of California announced that a settlement has been reached and Santander has agreed to remove all negative information from my credit report and completely paid off any amount of money that was owed to them, I tried to speak to someone at Santander but they have not answer nor return my call.

Please see the below as a reference https : //oag.ca.gov/news/press-releases/attorney-general-becerra-announces-over-550-million-settlement-against-nation % E2 % 80 % 99s https : //oag.ca.gov/system/files/attachments/press-docs/PPL % 20v % 20SCUSA % 20Complaint.pdf https : //santandermultistateagsettlement.com/Home/portalid/0 California Attorney General XXXX XXXX today, along with a coalition of 33 other attorneys general , announced a multistate settlement with Santander Consumer USA Inc. ( Santander ) that includes over {$550.00} XXXX in nationwide relief for consumers ; California consumers will receive over {$99.00} XXXX of that amount. 

As part of the settlement, Santander will provide over {$99.00} XXXX in relief to thousands of California consumers who Santander approved for its abusive high-cost loans. Consumers with the lowest quality loans who had defaulted as of XX/XX/XXXX, and have not had their cars repossessed, will be allowed to keep their car and have any deficiency balance on the loan ( up to a total value of {$45.00} XXXX in deficiency waivers nationwide ) waived. Santander will also waive the deficiency balances for certain defaulted consumers across the country, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buyback.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
I have a loan with FNB OMAHA. I have always made my payments on time. For some reason I realized that there was a charged-off account on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and FNB OMAHA with no successful resolution. XXXX  is only reporting this account. There was definitely an error on their part.

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 2020-07-22 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: CA

Complaint narrative:
Hello I tried several times to have my loan with XXXX resolved after they unfairly repo my vehicle on XX/XX/XXXX, fortunately, recent my Attorney general from the state of California announced that a settlement has been reached and XXXX has agreed to remove all negative information from my credit report and completely paid off any amount of money that was owed to them, I tried to speak to someone at XXXX but they have not answer nor return my call. 

Please see the below as a reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California Attorney General XXXX XXXX today, along with a coalition of 33 other attorneys general XXXX announced a multistate settlement with XXXX XXXX XXXX XXXX ( XXXX ) that includes over {$550.00} XXXX in nationwide relief for consumers XXXX California consumers will receive over {$99.00} XXXX of that amount. 

As part of the settlement, XXXX will provide over {$99.00} XXXX in relief to thousands of California consumers who XXXX approved for its abusive high-cost loans. Consumers with the lowest quality loans who had defaulted as of XX/XX/XXXX, and have not had their cars repossessed, will be allowed to keep their car and have any deficiency balance on the loan ( up to a total value of {$45.00} XXXX in deficiency waivers nationwide ) waived. XXXX will also waive the deficiency balances for certain defaulted consumers across the country, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buyback.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello I tried several times to have my loan with XXXX resolved after they unfairly repo my vehicle on XX/XX/XXXX, fortunately, recent my Attorney general from the state of California announced that a settlement has been reached and XXXX has agreed to remove all negative information from my credit report and completely paid off any amount of money that was owed to them, I tried to speak to someone at XXXX but they have not answer nor return my call. 

Please see the below as a reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  https : XXXX California Attorney General XXXX XXXX today, along with a coalition of 33 other attorneys general XXXX announced a multistate settlement with XXXX XXXX XXXX XXXX ( XXXX  ) that includes over {$550.00} XXXX in nationwide relief for XXXX XXXX California consumers will receive over {$99.00} XXXX of that amount. 

As part of the settlement, XXXX will provide over {$99.00} XXXX in relief to thousands of California consumers who XXXX approved for its abusive high-cost loans. Consumers with the lowest quality loans who had defaulted as of XX/XX/XXXX, and have not had their cars repossessed, will be allowed to keep their car and have any deficiency balance on the loan ( up to a total value of {$45.00} XXXX in deficiency waivers nationwide ) waived. XXXX will also waive the deficiency balances for certain defaulted consumers across the country, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buyback.

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 2020-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solomon and Solomon, P.C.
State: RI

Complaint narrative:
The original credit card holder XXXX XXXX XXXX, sent the account to Solomon % Solomon pc of XXXX, Ny, attempts to make payments were flawed when I found Solomon was taking the payments and not applying my payments to the balance owed. 
an agreement was made to lower the balance owed to {$1000.00} and I sent 7 % XXXX monthly payments in when it was discovered they were not paying down the debit. 
I stopped the payments and in 2019 XXXX XXXX sent the collection to XXXX XXXX trying to collect XXXX. XXXX XXXX will not acknoweldge these payments and continues to collect {$1400.00}. Solomon has ignored my request to forward all documents to XXXX XXXX XXXX XXXX is ignoring me. These collection companies are committing fraud trying to collect payments already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible.

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 2020-07-22 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: CA

Complaint narrative:
Hello Per my conversation with Experian, they will be removing all inquiries that are fraudulent and related to identify theft, I have identified all the inquiries that are to be removed and has been speaking to their id theft customer service and they told me those will be removed unfortunately that's not the case and I'm a force to see help to get this resolve on top of the identity theft damage already done. 

Have also filed a FTC Report. 

Reference to the following info Case : XXXX - Fraud Resolution Please remove all the below noted Inquiries as those are fraudulent XXXX/XXXX  Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX  XXXX AUTO FIN Auto Financing Companies Inquiry date : XX/XX/XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX LBS XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX FED XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Dealers, Used Inquiry date : XX/XX/XXXX XXXX BANK XXXX XXXX XXXX Banks - non specific Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Unions Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX Department And XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX/XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX Specialty Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX All the above aren't mine and I never applied for those, please note a fraud alert is already in place on my account for 7 years due to identity theft. 

Thank you

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 2020-07-22 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a loan with XXXX  XXXX and WELLS FARGO. I have always made my payments on time. For some reason I realized that there were charge off accounts on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX  and XXXX XXXX and WELLS FARGO with no successful resolution. There was definitely an error on their part.

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