vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CB1, Inc.
State: MT

Complaint narrative:
CBB a debt collection company has reported to all three credit reporting agencies that I owe and amount on a medical bill. The amount reported is wrong. The payments being reported is wrong. 

I sent CBB a letter on XXXX XXXX by certified mail asking about the mis-reported balance and that i had made that payment and paid that account off. I heard nothing back from this letter. I pulled my credit reports from all three credit reporting agencies and noticed that they did not mark in the comments that this account is being disputed as required by law. 

I sent a good will letter to them by certified mail asking that this misreported, inaccurate report be removed by them from all three credit reporting agencies or I was going to take further actions. CBB still has not responded to any of my inquires or letters to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
Wakefield and Associates, a national debt collector, is attempting to collect on a debt that should have never been sent to collections. The original creditor is XXXX XXXX and the debt is associated with another debt that has been processed and accepted by XXXX, an insurance company. 
The alleged debt is about {$3000.00} and is a charge related to a data contract that arises from and is associated with another XXXX XXXX transaction in the amount of {$4000.00} for four devices and on months service with late fees ( two phones for {$680.00} each, two tablets for {$760.00} each and one hotspot device for {$85.00} ). The telephone numbers and corresponding insurance claim numbers associated with each device are XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, and XXXX XXXX forwarded to collections. 
It should also be noted that such cancelation was requested within 24 hours of the date of the data contract and I already had a data plan and device in place at the time of the contract and requested cancelation. 
In resolution of this matter, I would like this collection account to be removed from all credit reporting agencies. I would also like this CFPB complaint to be sent to the appropriate State and federal regulatory agencies for a thorough and complete investigation to determine if this practice and type of behavior by the companies involved is the norm as a matter of ordinary business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WA

Complaint narrative:
Im XX/XX/2020 via telephone call to ( XXXX ) XXXX, I requested validation of the service address for said {$190.00} debt IC System claims I owe. To this date I have not received that information. My previous dispute asserts that this debt is not my debt, however, despite this, they continue to report it as mine on my XXXX  credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
After returning the lease on time with no payment due, I received a bill {$6000.00} over the agreed upon amount of normal wear and tear. I disputed this in writing to Hyundai. When there was no response to the dispute and I saw the amount as a balance due added to my credit report, I submitted a complaint to the FTC. Still no response from Hyundai. 

Hyundai ignored my dispute by their non-reply AND simply added it to my credit report, as if my written dispute meant nothing. I understand Hyundai is a South Korean company, but these practices do not transfer to the US. The lease was in possession of a car detailer, which is different than their normal customer, and showed wear and tear only on the driver 's seat. I've checked the box below to make this complaint public.

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 2020-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I recently obtained an attorney to file a chapter XXXX bankruptcy, my attorney is in the process of filing my bankruptcy. I contacted Hyundai motor finance to inform them of this thru phone and email and they told me to contact there bankruptcy department. I did so, and gave them my attorney 's information. They said they tried to contact my attorney and he won't answer their phone calls which is not true. Now they threatening repossession of my vehicle

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 2020-10-31 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: FL

Complaint narrative:
XXXX XXXX XXXX reported a false account of {$360.00} from XXXX XXXX XXXX in which neither never notified me in writing or verbally of. I have contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never made aware of {$360.00}. XXXX submitted the {$360.00} in retaliation for an issue in which they were liable for a broken water heater in cased completely in a wall that damaged a lot of my clothing, shoes, and other items. Mold resulted in the walls & vents. I never paid late or owed XXXX XXXX XXXX any amounts. 
XX/XX/2020 XXXX XXXX  I was on an 18 minute call w/EQUIFAX to dispute this account and the rep stated it would take 30 days to investigate. XX/XX/2020 XXXX XXXX  I received an email from Equifax stating the dispute was completed. I called Equifax and was told the collection verified but no legitimate proof was ever provided by XXXX XXXX XXXX or Equifax to verify their false claim. Equifax is unjustly closing out disputes on behalf of the collection agency without proof or properly investigating. Im unable to dispute online with Equifax and wasnt provided a reason why when I called. I called XX/XX/2020 XXXX XXXX  on 22 minute call to report the dispute was never properly investigated and closed in less than 12 hours violating my rights as a consumer. I have made multiple calls to Equifax with no justified resolution. 
XX/XX/2020 XXXX XXXX  I was on a 21 minute call with EXPERIAN to dispute XXXX XXXX XXXX and was informed it would take 30 days to investigate. I asked for a confirmation # but the rep didnt have one for me and I was told I could upload documents to XXXX  online although the system doesnt allow me to dispute online. On XX/XX/2020 XXXX XXXX  I received an email stating this dispute was resolved however no legitimate proof or any documentation was provided from the collection agency or XXXX. XXXX  failed to properly investigate this dispute or request any factual documentation from the collection agency to verify. These credit bureaus are violating consumer rights by not properly investigating disputes or requiring collections agencies to provide documentation before affecting the consumers credit negatively. The credit bureaus are only verifying the word of these predatory collection agencies. I have made multiple calls to XXXX  with no justified resolution. 
The same occurred with XXXX when I previously submitted a dispute for this same collection agency. No documentation or verification was ever provided by the collection agency to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
As I explained to this company that I was unfamiliar with this debt and that I don't believe I owe this money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/XXXX, I paid the agree upon amount to Resurgent Capital Services acting as LVNV. Once paid they agree to remove their collection account from my credit report. As of today the collection account is still posted on my report hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: NE

Complaint narrative:
I previously had a mortgage loan with Axos Bank on my primary residence. That loan was paid in full ( through a refinance with another lender ) on XX/XX/2020. 

Since that time, Axos Bank has continued to auto-debit mortgage payments from my checking every month on approximately the XXXX of each month. Thus far they have taken five payments from my checking account *since the loan was paid off*. After each debit, they do send a check to reimburse the amount, but it takes about 3-4 week to arrive. 

I have attempted to resolve this issue with Axos Bank multiple times. Each time they promise the checking account auto-debit has been taken care of. 

I would like these debits to immediately stop, as well as Axos Bank to pay me interest on the debited funds, and a penalty for my time and trouble resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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:
I reopened my XXXX XXXX Account after paying the balance down to XXXX. I have been using the card for three months now and each month the card is being reported as closed on my credit report even though the account is open. I have spoken with XXXX XXXX ad even submitted a dispute. A representative from the corporate office called me a week ago. The representative was dismissive and she said all the from what she could see all the bureaus reported the account as open. However when I pulled all 3 reports from Transunion, XXXX, XXXX  all 3 bureaus are showing the account closed. This violates my right to fair reporting and I would like the issue to be resolved or like to file a formal complaint with the state regarding this company. I have disputed this account serveral times and every month its being reported as closed. I need to make sure this account stays on my account each month as open as it will affect my ability to purchase a home. Please help. 

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 2020-10-31 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:
I reopened my XXXX XXXX Account after paying the balance down to XXXX. I have been using the card for three months now and each month the card is being reported as closed on my credit report even though the account is open. I have spoken with XXXX  XXXX ad even submitted a dispute. A representative from the corporate office called me a week ago. The representative was dismissive and she said all the from what she could see all the bureaus reported the account as open. However when I pulled all 3 reports from XXXX, equifax, XXXX  all 3 bureaus are showing the account closed. This violates my right to fair reporting and I would like the issue to be resolved or like to file a formal complaint with the state regarding this company. I have disputed this account serveral times and every month its being reported as closed. I need to make sure this account stays on my account each month as open as it will affect my ability to purchase a home. Please help. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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:
I reopened my XXXX XXXX Account after paying the balance down to XXXX. I have been using the card for three months now and each month the card is being reported as closed on my credit report even though the account is open. I have spoken with XXXX  XXXX ad even submitted a dispute. A representative from the corporate office called me a week ago. The representative was dismissive and she said all the from what she could see all the bureaus reported the account as open. However when I pulled all 3 reports from XXXX, XXXX, experian all 3 bureaus are showing the account closed. This violates my right to fair reporting and I would like the issue to be resolved or like to file a formal complaint with the state regarding this company. I have disputed this account serveral times and every month its being reported as closed. I need to make sure this account stays on my account each month as open as it will affect my ability to purchase a home. Please help. 

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 2020-10-31 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: FL

Complaint narrative:
XXXX XXXX XXXX reported a false account of {$360.00} from XXXX XXXX XXXX in which neither never notified me in writing or verbally of. I have contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX & was never made aware of {$360.00}. XXXX submitted the {$360.00} in retaliation for an issue in which they were liable for a broken water heater in cased completely in a wall that damaged a lot of my clothing, shoes, and other items. Mold resulted in the walls & vents. I never paid late or owed XXXX XXXX XXXX any amounts. 
XX/XX/2020 XXXX XXXX  I was on an 18 minute call w/XXXX  to dispute this account and the rep stated it would take 30 days to investigate. XX/XX/2020 XXXX am I received an email from XXXX  stating the dispute was completed. I called Equifax and was told the collection verified but no legitimate proof was ever provided by XXXX XXXX XXXX or XXXX  to verify their false claim. XXXX  is unjustly closing out disputes on behalf of the collection agency without proof or properly investigating. Im unable to dispute online with Equifax and wasnt provided a reason why when I called. I called XX/XX/2020 XXXX am on 22 minute call to report the dispute was never properly investigated and closed in less than 12 hours violating my rights as a consumer. I have made multiple calls to XXXX  with no justified resolution. 
XX/XX/2020 XXXX XXXX  I was on a 21 minute call with XXXX  to dispute XXXX XXXX XXXX and was informed it would take 30 days to investigate. I asked for a confirmation # but the rep didnt have one for me and I was told I could upload documents to XXXX online although the system doesnt allow me to dispute online. On XX/XX/2020 XXXX XXXX  I received an email stating this dispute was resolved however no legitimate proof or any documentation was provided from the collection agency or XXXX. XXXX  failed to properly investigate this dispute or request any factual documentation from the collection agency to verify. These credit bureaus are violating consumer rights by not properly investigating disputes or requiring collections agencies to provide documentation before affecting the consumers credit negatively. The credit bureaus are only verifying the word of these predatory collection agencies. I have made multiple calls to XXXX  with no justified resolution. 
The same occurred with Transunion when I previously submitted a dispute for this same collection agency. No documentation or verification was ever provided by the collection agency to the credit bureaus.

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 2020-10-31 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: FL

Complaint narrative:
XXXX XXXX XXXX reported a false account of {$360.00} from XXXX XXXX XXXX in which neither never notified me in writing or verbally of. I have contacted XXXX XXXX XXXX XXXX XXXX numerous times & was never made aware of {$360.00}. XXXX submitted the {$360.00} in retaliation for an issue in which they were liable for a broken water heater in cased completely in a wall that damaged a lot of my clothing, shoes, and other items. Mold resulted in the walls & vents. I never paid late or owed XXXX XXXX XXXX any amounts. 
XX/XX/2020 XXXX XXXX I was on an 18 minute call w/XXXX  to dispute this account and the rep stated it would take 30 days to investigate. XX/XX/2020 XXXX XXXX I received an email from XXXX stating the dispute was completed. I called XXXX  and was told the collection verified but no legitimate proof was ever provided by XXXX XXXX XXXX or XXXX  to verify their false claim. XXXX is unjustly closing out disputes on behalf of the collection agency without proof or properly investigating. Im unable to dispute online with XXXX and wasnt provided a reason why when I called. I called XX/XX/2020 XXXX XXXX on 22 minute call to report the dispute was never properly investigated and closed in less than 12 hours violating my rights as a consumer. I have made multiple calls to XXXX with no justified resolution. 
XX/XX/2020 XXXX XXXX I was on a 21 minute call with EXPERIAN to dispute XXXX XXXX XXXX and was informed it would take 30 days to investigate. I asked for a confirmation # but the rep didnt have one for me and I was told I could upload documents to Experian online although the system doesnt allow me to dispute online. On XX/XX/2020 XXXXXXXX XXXX  I received an email stating this dispute was resolved however no legitimate proof or any documentation was provided from the collection agency or Experian. Experian failed to properly investigate this dispute or request any factual documentation from the collection agency to verify. These credit bureaus are violating consumer rights by not properly investigating disputes or requiring collections agencies to provide documentation before affecting the consumers credit negatively. The credit bureaus are only verifying the word of these predatory collection agencies. I have made multiple calls to Experian with no justified resolution. 
The same occurred with XXXX when I previously submitted a dispute for this same collection agency. No documentation or verification was ever provided by the collection agency to the credit bureaus.

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 2020-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I have reached out to the company for months now and they refused to remove the debt off my report. I talked to the rep in charge of my account and everything. I emailed him the proof he asked for on XX/XX/2020. He responded on the XXXX of XXXX and said he would remove it give him 3 to 5 days. It wasn't remove. I emailed him again on the XXXX of XX/XX/2020. I asked in the email why it was removed. He now says he is waiting on a response from someone to remove it. I emailed him again on XX/XX/XXXX and asked whats the hold up. He did respond. Its an apartment and I have to move next month for a job. If that's not remove I won't be able to find an apartment. Or I will be charged a high deposit for something that I took care of way in advance and this company is blocking me from moving forward. Please help me i don't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After returning the lease on time with no payment due, I received a bill {$6000.00} over the agreed upon amount of normal wear and tear. I disputed this in writing to XXXX. When there was no response to the dispute and I saw the amount as a balance due added to my credit report, I submitted a complaint to the FTC. Still no response from XXXX. 

XXXX ignored my dispute by their non-reply AND simply added it to my credit report, as if my written dispute meant nothing. I understand XXXX is a XXXX XXXX company, but these practices do not transfer to the US. The lease was in possession of a car detailer, which is different than their normal customer, and showed wear and tear only on the driver 's seat. I've checked the box below to make this complaint public.

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