vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-12 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: IL

Complaint narrative:
TransUnion has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$1100.00} not mine

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 2018-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I have some medical collections from kings credit service, account number XXXX XXXX i have more collections from this company, i want these accounts deleted from credit report becuase these collections are medical bills and i had insurance to cover the bills, also the hospital violated my rights per the hippa law. the collection company should not have my medical records. that's a violation and i can sue. but all i want is for kings credit to delete all my accounts from my credit report, asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: TX

Complaint narrative:
I contacted TransUnion and XXXX to inform them of errors and inaccurate information on my report. The first contact was XX/XX/2018 there were items resolved at that time but not all. The second contact was XX/XX/2018 at which time the following items were addressed but remain on the report still : I started the process of seeking a loan and discovered my credit had been compromised. Someone has accessed and used my credit without my authorization. Accounts and Inquiries now appear on my credit report that are inaccurate. I have contacted the police department and filed an identity theft report. I am a victim of identity theft. The information listed below, which appears on my credit report need to be updated as follows : The following name is NOT my name XXXX XXXX, please remove from my report. The following accts have NEVER been late, please cease reporting as late XXXX/ XXXX XXXX acct # XXXX ; XXXX acct # XXXX ; XXXX XXXX  XXXX acct # XXXX. This is my third letter with the same accts and information still being reported inaccurately. I will pursue this issue until I receive an accurate credit report. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

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 2018-12-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On or about XX/XX/2018 I submitted a dispute to Experian on the following items below. To this day Experian has not responded or investigated the following issues on my credit report. Additionally, Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$410.00} not mine XXXX XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX {$2600.00} not mine

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 2018-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/2018, Conns home appliance called Mr. XXXX XXXX XXXX on his personal cell phone which is XXXX. The debt being collected belongs to XXXX XXXX, his ex wife of 8 years. The initial contract signed with Conns, which I do have a copy of, no where lists Mr. XXXX responsible for this debt. I asked representative how hisnumber was obtained and it seems they XXXX Mr. XXXX name. This exceeds the limits of debt collection. I have no problem with Conns contacting me the debtor or any one listed for contact. They are however will be held legally responsible for calling someone that is totally not obligated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lipsey, Morrison, Waller & Lipsey, P.C.
State: TN

Complaint narrative:
This company/attorney is trying to refile a judgement that is 14 years old and was from a repossessed vehicle that was surrendered. Received a letter that was not dated. stated it would be refiled if not disputed in 30 days. Went to the XXXX County courthouse and they claimed I had to hire an attorney to file a response to the judgement and would not allow me to represent MYSELF. The judgement has already previously been removed from my credit per the statue of limitations and the FCA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
U have questions concerning g such issues as insurance. I need a copy of any contract i signed with wells Fargo bank to answer my questions. Please send me a copy of any contract i signed with wells Fargo ban k ASAP

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 2018-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY

Complaint narrative:
NYSHESC has not provided me with a detailed accounting history of my account, which I demanded in my previous complaint, as well as in my letter to the Governor, which I copied to NYSHESC.

NYSHESC is also continuing to deny that they have illegally overcharged my account in XXXX of XXXX, adding over {$1300.00} to my balance, above and beyond the principal, interest, and $ 1,200+ collection fees, which they did as they concurrenty applied a payment to my account from my garnished XXXX New York State taxes. 

NYSHESC is continuing to refuse my very reasonable settlement offer, which is to pay the full principal balance, plus interest accrued, minus the adjustment of payment applied from my XXXX New York State tax refund. 

I sent NYSHESC and XXXX two 20 pages faxes detailing my offer, and my financial hardship. Rather than work with me after I have so carefully compiled and supplied them with extensive documentation for my case, they choose to blow me off and continue gouging me, adding insult to injury. 

This is the first year I have been in any way shape or form able to begin settling my debts, and I am fighting for my life to get on my feet financially. What I do not appreciate from this predatory and dishonest company is a kick in the face while I'm down. 

I fear that NYSHESC will only continue to illegally add money to my account that I do not owe indefinitely. 

And so at this point, I am consulting with a lawyer, and spending the money I hoped to save for my daughter 's XXXX presents, to avoid a lifetime of indebtedness to a company that exhibits no care or concern to help me settle my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX please remove any other variation of my name. I have several addresses that appear that are not mine please delete the following : XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX These are not my phone numbers or work numbers please delete they do not belong to me : ( 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company
State: NV

Complaint narrative:
My father died XX/XX/2018 There was a check issued from his escrow account on XX/XX/2018 for XXXX to XXXX  personal loans the account was not paid my dad died XX/XX/2018 XXXX terminated his account as of XX/XX/2018 which a copy of the termination was sent to guild mortgage they refused to refund the money to my mom I just don't understand how they can pay a terminated account with a voided check I sent the documentation XX/XX/2018 They replied XX/XX/2018 saying they would disburse the funds because there was no documentation to prove otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
EOS COLLECTIONS IS CALLING MY HOME, WORK AND EX SPOUSE THREATENING TO TAKE LEGAL ACTION AND SEND A SHERIF TO ARREST ME FOR AN UNPAID PHONE BILL WITH XXXX WHEN I NEVER EVEN HAD AN ACCOUNT WITH XXXX ... .. 
I tried calling EOS who first said they were missing my social # then they called my mother 's house asking for my social or they would arrest me, mom gave them my social now they are reporting this erroneous collection on my credit report and calling at odd hours of the day with rude threatening language. 
I also contacted XXXX who had NO NO NO record of this at all and had NO idea who EOS was. Please help me stop this illegal operation of EOS this should not be allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Nelnet ( XXXX ) continues to call my mobile phone from an autodialer, despite my repeated requests to be removed from the autodialer. I have informed them that they are calling a mobile phone, and that I want to be removed from the autodialer, and to not call during my working hours ( XXXX PST ). They continue to have me on an autodialer, calling during my working hours, and lied to me today saying despite my request to not be autodialed, that they had the right to continue to do so. They have called at least 6 times since my initial request.. about once per week. When I reminded them of the TCPA regulations, they told me those weren't real, and if my account was delinquent, they can autodial me. I informed them that they may only HAND DIAL my mobile phone number once I inform them they are calling a mobile and request to be removed, they must comply. The man continued to argue that I was incorrect. I used to XXXX XXXX XXXX XXXX, I am quite well versed on TCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I tried multiple times both on online chat and telephone calls with customer service, they still keep the account open and send me statement of fees. 

Account number is : 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 monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/2018, I completed a settlement with Wells Fargo for the balance on Mortgage # XXXX. As part of that settlement, it was agreed that the taxes due on XX/XX/18 for {$1400.00} would be paid once Wells Fargo received the funds and closed out the case. The funds have been received and the lien was released on XX/XX/2018. 

Wells Fargo has not paid the taxes. The City of XXXX XXXX has sent me a tax sale notice for XX/XX/2018. 

Despite multiple attempts to communicate with multiple people, including the Office of the President, Wells Fargo is not returning emails and phone calls.

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 monetary relief
Consumer complaint received 2018-12-12 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:
THIS IS NOT A DUPLICATE! Complaint # XXXX ( typed this way for security purposes ) was just closed by Experian, claiming that it was a duplicate when IT WAS NOT. WHAT AM I SUPPOSED TO DO WHEN EXPERIAN CONTINUES TO IGNORE MY DISPUTES???!!! They have deliberately waited well over a week to respond and they respond with this GARBAGE. You will NOT intimidate me from moving forward with getting accounts deleted that CONTAIN VIOLATIONS AND INCORRECT INFO. Ignoring disputes is a violation of consumer law! I already know that they don't even do their own investigations ANYWAY -- which is ILLEGAL -- but now they're ignoring my disputes altogether, and this is not right or fair! I am being denied my due diligence in getting accounts deleted that have INCORRECT INFO AND VIOLATIONS! I am EXTREMELY upset at this and DEMAND that you have these incorrect accounts and accounts with violations DELETED IMMEDIATELY!

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 2018-12-12 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was sent two letters from chase regarding end-of-lease fees. The first amount was {$1500.00} ( approx ). This was for minor scratches and dents. This amount was sent to the credit bureaus as a " new monthly payment amount '' and dropped my score heavily. I called chase and disputed the amount. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX for {$320.00}. It was actually hard to read and took about 5-6 reads to understand. On XX/XX/XXXX, I received an email from XXXX XXXX that my score dropped, this time 70 points due to missing a payment. Chase bank sent it to the credit bureaus. I paid it on XX/XX/XXXX on the phone with Chase and began disputing it as late, considering the letter had no indication of paying within 30 days. A woman at chase bank stated " pay upon receipt '' means due when they send out the letter, which means the count down starts XX/XX/XXXX. She also stated I should know better than to call on a Saturday to figure things out, as her department isn't open on Saturdays. That means no extra time for it to go through the USPS and arrive at a person 's house. It took 5 mailing days to arrive. I disputed with XXXX  and they replied that Chase said it is  indeed correct. I received a letter in the mail dated XX/XX/XXXX ( received XX/XX/XXXX ) also from Chase stating it is Massachusetts law that I can appeal the {$320.00}. I think that is a little late to issue such a letter, given the damage done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
On XXXX I made a purchase at XXXX department store. I made a split payment with my prepaid Serve American Express card and Visa card. On XXXX XXXX I returned the merchandise to the store and was issued a refund. In the same method I used to purchase. I was issued the refund on the Visa card immediately however my refund for {$29.00} never was refunded to my account. I contact the card holder and they proceed to tell me I needed to open a dispute. On XX/XX/XXXX I opened a dispute and over 12 days later I received a email to provide the receipt for proof of a refund. I provided a copy of the receipt. On XXXX I received a email from American Express stated my dispute was denied. I called the customer service number numerous time and can never reach a live associate. There is jo one to give me answer to why I'm out of my fund and merchandise. This company has been giving me alot of problems to give me my refund. I have all my paper work to prove I'm due my {$29.00} refund. This company is committing some fraud activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Per review of XXXX credit report from XX/XX/2018 I discovered a payday loan account that I had no knowledge of and a validation letter was sent out requesting more information. On XX/XX/2018 I reviewed my credit report again and noticed that the account was updated to reflect as disputed however requested validation information had never been received and a 2nd validation letter was sent out. On XX/XX/2018 credit report was reviewed once more and the account remains on my credit report, affects me negatively and I still have not received any validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Multiple times I have contacted all 3 credit bureaus XXXX  and XXXX  about the false collections showing on my credit for XXXX XXXX XXXX XXXX through a collection company called PARAMOUNT RECOVERY SYSTEMS for {$420.00}. This collection is not mine and is from identity theft, the collection agency has been contacted and can't provide proof that this account is legally mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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:
The VA has overpaid me entitlements twice in XX/XX/XXXX for {$160.00} and {$320.00}, the debt was official {$0.00} as of XX/XX/XXXX, they took payments of the overpayment out of my XXXX but yet it is showing up as a collection that was paid. The first time and only time it was reported to the credit bureau was XX/XX/XXXX. I am in the middle of purchasing a home so I was told by the VA that I need to get with the credit bureau for removal the credit bureau is telling me they can't remove without the VA consent. VA says they don't issue delete letters only letters stating the payment for the debt was received. Also, the VA says they don't do third-party calls but refuse to give the credit bureaus any form of assistance. This has been really taking a toll on our family as its holding up our closing

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 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Per review of XXXX  credit report from XX/XX/2018 I discovered an outstanding account that I had no knowledge of and a validation letter was sent out requesting more information. On XX/XX/2018 I reviewed my credit report again and noticed that the account was updated to reflect as disputed however requested validation information had never been received and a 2nd validation letter was sent out. On XX/XX/2018 credit report was reviewed once more and the account remains on my credit report, affects me negatively and I still have not received any validation.

Company response to consumer: Closed with explanation