vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report today, XX/XX/2018 and noticed that the XXXX XXXX  account is incorrectly reporting and now the balance owed is different from what I was told via phone. I spoke with XXXX XXXX credit card department on XX/XX/2018 to discuss pay for delete for the delinquent account XXXX. The Credit and Collections representative stated the account will be deleted from all credit reports because the balance was paid in full. I have attached the email receipt from XXXX XXXX for payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report today, XX/XX/2018 and noticed that the XXXX XXXX   account is incorrectly reporting and now the balance owed is different from what I was told via phone. I spoke with XXXX XXXX credit card department on XX/XX/2018 to discuss pay for delete for the delinquent account XXXX. The Credit and Collections representative stated the account will be deleted from all credit reports because the balance was paid in full. I have attached the email receipt from XXXX XXXX for payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: NE

Complaint narrative:
Equifax said I have nothing on my file. Even asked me if I have credit. XXXX years old have never had a problem getting credit pulled up. They told me to send identification documents which I did they said would take 48 hours still have no file. They seem to not be able to tell me why I have nothing in my file. Told me to resend documents. They have no answers for me why I dont have any record of credit and what will happen when I give them the identity documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: IL

Complaint narrative:
This collection agency is reporting a debt on my credit report, but they are no longer handling the account. Since they are no longer, handling the account, and it has been referred back to the original company. I asked them to delete this information from my credit file. They don't have any more information on me, it has been transferred back to the company that hired them to collect the debt. If they are not handling this account, they should not be reporting information in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
This is in response from complaint XXXX. The license was not my only complaint from this company. 

For complaint XXXX, I stated that I never received validation for the amounts they say I owe. In this complaint, CMRE stated I never requested validation, but I did so in writing several times. All I received was a bill showing charges they say I owe, but that is not validation. Validation is receiving a document that bears my signature that attests that I signed off or am responsible for those bills, anyone can send a bill. CMRE claims they received this bill from XXXX XXXX XXXX XXXX, but still has yet to produce validation with my signature. According to the Fair Credit Reporting Act, I am entitled to validation ... if not, the party must delete all collections and negative marks ( there are 3 ) from all reporting agencies. Is there a reason that I have yet to receive validation? Not an itemized printout showing charges ... that is not validation. If you do not provide validation, legally you must delete these collections or I will get my attorneys involved as that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
Diversified Consultants reported on my credit report an account which is clearly not me. I have not used my credit in 5 years due to secret / divorce issue - REPORT NUMBER- XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. Please help me get these items off my credit report so I can move on with my life. I really need attention to this matter as I now have full custody of my XXXX year old son and need to get this resolved. 


XXXX XXXX XXXX XXXX XXXX ( XXXX  : XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX  ), XXXX XXXX XXXX XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX XXXX XXXX XXXX  ( XXXX  : XXXX  ), XXXX XXXX XXXX XXXX ( XXXX  ), XXXX  ( XXXX : XXXX   XXXX : XXXX ), XXXX XXXX XXXX ( XXXX : XXXX ), XXXX  ( XXXX  : XXXX, XXXX,XXXX,XXXX Equifax : XXXX, XXXX ) XXXX XXXX XXXX ( Equifax : XXXX  XXXX  : XXXX  XXXX  : XXXX ) , XXXX XXXX XXXX ( Equifax : XXXX  ) , XXXX XXXX ( Equifax : XXXX ) .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: WA

Complaint narrative:
They claim they say due is {$1900.00} when in fact it was $ XXXX.I have  sent them a copy of court ruling signed by a judge here in XXXX county Washington stating so.The {$670.00} was paid to the owner of the property in Question.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
Clients received a loan modification. Due to error in dating by servicer client was delayed in signing agreement. Once documents were signed and delivered client received multiple payment amounts. Client received payments back in XX/XX/XXXX unaware that they were back in foreclosure proceedings. Clients have been trying to resolve issue since XX/XX/2017.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. Please help me get these items off my credit report so I can move on with my life. I really need attention to this matter as I now have full custody of my XXXX year old son and need to get this resolved. 


XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX  ) XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX  ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( Experian : XXXX   XXXX : XXXX  ), XXXX XXXX XXXX ( XXXX : XXXX ), XXXX  ( Experian : XXXX, XXXX,XXXX,XXXX XXXX  : XXXX, XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX  ) , XXXX XXXX XXXX ( XXXX : XXXX ) , XXXX XXXX ( XXXX : 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 non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC
State: CA

Complaint narrative:
I received a letter on XX/XX/2018 was the date on the letter so I got it a few days later. 
It said to pay this amount within the 30 days or send a dispute. Wasn't going to dispute the outrages interest, I sent them a check in the amount at the top of the page. 
sent on XX/XX/2018 I wront on there as I do on all final payments " paid in full ''. 
They returned the check XX/XX/2018 with letter, it was the wrong amount they added an additional {$38.00} on to the bill. 
Then I receive another letter from the original creditor for another {$38.00} totaling the bill now at XXXX. 
First who do I pay? Second I am not paying all these extra charges since all they have to do is hold back a check and charge me more. I do not know if they are on commision or not but it looks like it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX, acquired an auto financed by XXXX XXXX, on XX/XX/XXXX, I personally delivered paid in full check for the auto loan account to the bank. Since that day XXXX XXXX, XX/XX/XXXX, and Experian continue reporting the account as open and with balance. After multiples call to the bank and opening tickets for investigation credit agencies continue reporting wrong information. Disputed twice the account in the subject on all three agencies and they keep saying and reporting the account is correct even when I had sent them and they had confirmed the reception of the paid off certification from the bank. Both the bank and Credit Report Agencies are violating the Fair Credit Reporting Act. I Cant keep calling and disputing the account when they are ignoring supported document of the paid account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX : XXXX   2.XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX   3.XXXX XXXX Equifax : XXXX, XXXX : XXXX, XXXX : XXXX   4. XXXX XXXX XXXX XXXX XXXX : XXXX  5. XXXX XXXX   Equifax : XXXX, XXXX : XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX  XXXX : XXXX XXXX : XXXX, Trensunion : XXXX   2.XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX  Trensunion : XXXX   3.XXXX XXXX XXXX  : XXXX XXXX : XXXX, Trensunion : XXXX   4. XXXX XXXX XXXX XXXX  Trensunion : XXXX 5. XXXX XXXX XXXX : XXXX, XXXX  : XXXX Trensunion : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX : XXXX Experian : XXXX, XXXX  : XXXX   2.XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX   3.XXXX XXXX XXXX : XXXX, Experian : XXXX, XXXX : XXXX   4. XXXX XXXX XXXX XXXX XXXX  : XXXX 5. XXXX XXXX XXXX : XXXX, Experian : XXXX XXXX : 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 non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am being harassed by 2 companies. XXXX and XXXX XXXX. I was making payments on both accounts and they started making calls and submitted for delinquency. I told them I am on a flat income & XXXX. I was paying hundreds at a time when I had the money & when things got difficult they didnt care. I told them Id pay a portion but it wont be what they want.. {$400.00} at a clip. Maybe their system got used to seeing large payments & I no longer have that ability. XXXX dropped our insurance on our purchase & violated contract. We told them since XX/XX/XXXX and they refuse to escalate it but call every 30 min. XXXX was a card I got through the job that let me go for being XXXX and unable to work. I was paying $ 150- {$200.00} at a time but that wasnt enough for them. They also call very frequently. I was put into delinquency while paying back in XX/XX/XXXX, this is ridiculous. Why pay anything if they report me when I pay them {$200.00} and they want {$400.00}. Theyre getting paid, I didnt abandon payment. So having calls every 15 min to 1hour is ridiculous. I made them aware of my financial issue and had a great prior pay history. Its unacceptable to call someone 6-12 times a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX Equifax : XXXX  XXXX  : XXXX>XXXX< XXXX  : XXXX><><. XXXX XXXX Equifax : XXXX  : >XXXX<XXXX XXXX  : XXXX  : >XXXX<XXXX : XXXX. XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX  .XXXX XXXX XXXX/XXXX  Equifax : XXXX, XXXX/XXXX Equifax : XXXX  XXXX  : XXXX XXXX : XXXX, XXXX/XXXX XXXX XXXX : XXXX  : XXXX  : XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mnet Financial Inc
State: TX

Complaint narrative:
MNET Financial shows up on my XXXX Credit report as of XX/XX/2018. I have written MNET on 3 occasions to validate this alleged debt and they completely have ignored my letters via the U.S. Mail. The 30 days they had as per the Fair Debt Collections Practices Act ( FDCPA ) and the Fair Credit Reporting Act have passed and therefore, it is a frivolous claim on their behalf. 

They have failed to notify me of my right to dispute the debt ( Section 809 FDCPA ). 

They never responded and they failed to verify of the debt. 

The Fair Debt Collections Practices Act States " If a consumer sends a written dispute or request for verification within 30 days of receiving the 1692g notice, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Such asserted disputes must also be reported by the creditor to any credit bureau that reports the debt. Verification should include at a minimum the amount owed and the name and address of the original creditor. '' They have failed. 

Additionally, being a resident in the state of Texas, MNET Financial also has willfully violated the Texas Fair Debt Collections Practice Act, State Statue 392.202. They have notified me to please send them confirmation of the final XXXX XXXX XXXX XXXX disposition so they can further investigate. 

As of XX/XX/2018 : 1 .I have also notified the Federal Trade Commission . 
2. I have also sent a formal complaint to the Texas Attorney General 's Office. 
3. I have spoken to outside counsel and presented all of the evidence of this willful and deliberate violation where it is also causing continued financial harm. 

MNET Financial , Inc. until the close of business on XX/XX/2018 to remove and delete this credit trade-in from XXXX or I will file a lawsuit both in State and Federal Court against MNET Financial for willfully violating all Acts and causing continued financial harm by being denied credit and employment. 

Best, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I graduated from XXXX XXXX XXXX in XX/XX/XXXX and I started paying my loan shortly thereafter. Navient claims I started paying my loans on XX/XX/XXXX. My husband called Navient and asked them how the balance on my loans now after 20 years of monthly payments be more than the original. He was told because the loan had a forebearance. 
I hope you would investigate these claims because the monthly payment is due to increase to {$410.00} in XX/XX/XXXX. I hope this could be resolved by then. 
Navient recently sent me a letter saying that since I live in a jurisdiction that has been designated as a disaster area, a temporary natural disaster forbearance has been applied to my loans. 
There hasn't been a natural disaster in my area for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA

Complaint narrative:
OneMain Financial Acct No XXXX Paid Off total balance on XX/XX/18 of {$1100.00} Received no further notices or statements from One Main Financial until XX/XX/18 received XX/XX/18 notice from One Main Account closed account for default XXXX called customer service and was told that a {$100.00} fee for renewal of line of credit was charged against account, that it was not paid, that it was written off and the notice of termination and default sent. XXXX told them he did not authorize any renewal of line of credit, that total account was paid off XX/XX/18 and no balance was owed. 
XX/XX/18 received XX/XX/18 revised notice of termination of account and waived balance. 
XX/XX/18 Reviewed statements online from XX/XX/18 through XX/XX/18. 
No {$100.00} renewal fee charged. 
XX/XX/18 online balance showed balance of {$58.00} however would only allow payment of statement balance of {$53.00} for XX/XX/18. 
Then went back online and paid additional {$5.00} for XX/XX/18. 
Balance now should be XXXX. 
I have no idea what the additional charges were for, did not receive any bills or notice of any default or request for renewal of line of credit after paying off debt

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated
State: MI

Complaint narrative:
My husband and I had credit cards through XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX XXXX, which was subsequently paid off with the XXXX loan. We received a judgment from First Resolution Investment Co for both credit cards stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to XXXX XXXX XXXX XXXX XXXX to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XX/XX/XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. We called First Resolution Investment who directed us to their lawyer at XXXX XXXX XXXX, XXXX who laughed when we told them we had paid this off and told us to prove it.

Company response to consumer: Closed with explanation