vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-03 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: OH

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
XX/XX/2019 CCS Collection there are collecting {$140.00} for XXXX XXXX   XXXX was supposed to give me service for my Internet.they never provided me with the service. 
I called the customer service and they said someone would come out and go inside my home and hook up the box up. 
I called back and spoke with one of the customer service and I told him no one ever came over. 
the customer service told me someone should be there To install the box. 
the text said I am supposed to install the box myself.I never receive service. Hi

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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:
Please remove this account that keeps deleting and place back on my credit report. 
XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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:
Please remove this account that keeps deleting and place back on my credit report. 
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 explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: WI

Complaint narrative:
I filed this dispute through XXXX XXXX. The XXXX  file number is XXXX. The amount was slightly reduced, but that is not good enough because I do not owe this debt at all. 

I closed an account with XXXX last year. Before doing so, I got very clear information from them what my options were in returning a leased phone to them. My new phone company would reward me more money for the used phone than XXXX would for the return. I once again confirmed the amount I needed to pay, and paid that amount. The next month they sent an additional bill claiming I owed more money for the phone. I would have returned the phone, however as stated above I sold it to my new phone provider. 

I paid the amount XXXX told me to pay, and closed the account. They are asking me to pay additional money that I should not owe. I am waiting to receive complete billing and payment history from XXXX. 

Furthermore, XXXX attempted once to collect the amount but I refused. After that I heard nothing about it at all. To date, the collection agency has not once called or written me, and all of my contact information has not changed.

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 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Brock & Scott, PLLC
State: NC

Complaint narrative:
The company just recently tried to contact me once by phone about 2 weeks ago about making monthly payments have not received anything in the mail.Until it's paid off the guy was understood my situation have have work since XX/XX/2019 lost everything I owned during the hurricane last year can't even XXXX my XXXX XXXX XXXX  and gettng around in a XXXX. Can't afford to go to doctors to get the XXXX  need for my XXXX with no income. It shows on my credit report as it been charged off so trying to understand now why would I be sued instead of trying to be giving a chane. The amount is XXXX XXXX that is owed and willing to try and pay something monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
In XX/XX/2016 I had already disputed this company ( Phoenix Financial ) regarding the fact the debt wasnt mine. They had 30 days to show  proof and failed to do so resulting in this collection legally being removed. Here recently I got a credit report and Phoenix Financial ILLEGALLY reported this account AGAIN. This FALSE collection was already  deleted and I want them to abide by the law and disappear for good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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:
To whom it may concern : This is my second complaint reporting that my identity has been stolen and accounts had been opened in my name with out my knowledge, however your company is refusing to block these information in accordance with the fair credit reporting act this report is been created in effort to clear my name. 
A copy of my drivers licence social security and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers 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 2019-07-03 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: FL

Complaint narrative:
I have been a victim of identity theft. I'm a single Mom and I'm stressing that I cant go back to school because someone has stolen my identity, what do I do now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
an account was opened in my name that is not mine and was done as a result of identity theft with XXXX XXXX. I have been contacting them and submitting documents related to that but they refuse to acknowledge any of it .... the account is with XXXX XXXX XXXX this account is not mine and yet they continue to report it to the credit bureaus like it is

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 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Im a poverty stricken XXXX XXXX XXXX XXXX senior citizen ( XXXX since 2000 ) subsisting on Social Security and occasional small monetary gifts from family members. Last year while recovering from life threatening XXXX for XXXX XXXX i was awakened by crazy banging at night on my apartment door ; man flashing a badge saying he was police and i must let him in. I was petrified. I said he couldnt come in but if he wanted id open the door and let my ( due to the banging ) snarling crazy man eating boxer out. He fled down the hall leaving papers about some judgment against me in my mailbox ( i got weeks later : i was completely bedridden w family two thousand miles away and the mail boxes a five min walk away ). Since then Portfolio Recovery Associates have petitioned the court and copied me repeatedly threatening to garnish my bank account for some thousand dollars plus for an undocumented debt i dispute ( at least ten years old, i do not know, its unspecified ). 
Every day im terrified ill starve to XXXX  because theyll garnish my tiny bank account. I plan to retaliate by calling the local consumer reporter and do a news story if they do. 
Im a former consumer reporter myself so i know how to facilitate this. 
Help stop my fear and their harrassment over an unknown and ancient alledgedly small debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
XXXX XXXX : Called ditech regarding error on XX/XX/2019 Billing Statement. Billing Statement indicated Past Due Amount for XX/XX/2019. I advised Customer Rep. payment was made and check cleared by my financial institution. 
Customer rep. verified, advised statement was " mailed before payment was received. '' She could provide no reason why no notice of lack of payment and/or Notice of Late fees was mailed. 

I requested a duplicate statement reflecting an accurate account of the on-time payment, current balances of Principal and Escrow balances, as well, as the lack of late fee assessment. 

It is important to know the request for amended statement was based on prior experiences with this company and their lack of coordination and/or communication within and among departments. In addition, the company 's endorsement has been and will be required regarding insurance matters. 

However, there was a stipulation in the agreement that allows me to handle my own taxes that, in essence, allows ditech the option of reversal of payment through them, if it is deemed payments were not consistent. 

Based on previous experiences with ditech and their previous entities, this complaint is prophylactic in nature, as such alleging late payment history can trigger a reversion of my tax monies to their hands. 

I do not hold any confidence or trust in the performance and practices of ditech or their predecessors.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: AES/PHEAA
State: WA

Complaint narrative:
My student loans were serviced by fed loans servicing ( total 13 accounts ) instead of one account. These 13 accounts are being rehabilitated by US Dept. of Education. Therefore, all accounts now has been transferred under Dept. of Education. However, on my credit report the same loans are being reported as collections and 120 days late with XXXX balance by Fed loan Servicing and repeated by US Dept. of Education. totaling 24 negative items. I have tried disputing this error several times and investigation from the credit reporting agency has not been addressed. The investigation returned as complete with a few changed dates. I am still being double dinged for the same 12 items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 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: FL

Complaint narrative:
I have been a victim of identity theft. I'm a single Mom and I'm stressing that I cant go back to school because someone has stolen my identity, what do I do now

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 2019-07-03 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:
To whom it may concern : This is my second complaint reporting that my identity has been stolen and accounts had been opened in my name with out my knowledge, however your company is refusing to block these information in accordance with the fair credit reporting act this report is been created in effort to clear my name. 
A copy of my drivers licence social security and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 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: Innovis
State: GA

Complaint narrative:
To whom it may concern : This is my second complaint reporting that my identity has been stolen and accounts had been opened in my name with out my knowledge, however your company is refusing to block these information in accordance with the fair credit reporting act this report is been created in effort to clear my name. 
A copy of my drivers licence social security and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/XXXX a company called my personal cell from an unknown number stating that Wells Fargo sold them a debt to me from XXXX of overdraft fees that is now over {$3000.00} with legal fees and they have attempted to serve me papers on multiple occasions. 

That I would have to pay with Visa or wire the money. 

They provided me my social security number and my dad 's address where I do not live. 

They said that the fees are over {$3000.00} and said that without them its {$2400.00} and that if I pay in full today I can pay {$1200.00}. 

Then provided me a phone number and reference number : XXXX XXXX XXXX ref XXXX They claim to be from a XXXX XXXX XXXX, but there is no record of them online or for their phone number. 

I called back with my wife and they refused to give any information unless they received a written notice for authorization and they couldn't take 2-party calls on the phone and then he hung up on her. 

I called Wells Fargo and they say they haven't sold debt for years and all the companies they sold it to are now out of business. 

I'm going into Wells Fargo later to verify in person there can absolutely be no merit- I have no notices to any of my parent 's addresses when I did have an account almost 10 years ago, the account is 9 years old, they threatened to sue me, want me to wire the money and hung up. 

BEWARE

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 2019-07-03 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, PLEASE HAVE THIS ACCUNT REMOVE OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT. IT HAS HOLD ME BACK FROM AQUIRING NEW CREDIT, PLEASE CONDUCT A REINVESTIGATION INTO YOUR CREDIT REPORTING INACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
Convergent Outsourcing calls me twice per day, every three days from two different phone numbers. They are posing as if in the XXXX, ID area. I live in Washington state. I do not have any debts in collections. All of my obligations are in current, good standing. The company never leaves a message. When I tried to speak to employees today to request my phone number to stop being called, I was put back into the waiting/hold system six times! Some employees told me that they are not allowed to leave phone messages per Federal Law ( an untrue statement ), this is a personal matter and that they can not find my " account '' via phone number. After playing their game of hold, a friendly employee finally got on the line. She looked up my phone number and said she could not find it anywhere in their system. She asked me if I have any other phone numbers, to which I said no. My cell number is my only phone number. She agreed that she would have her supervisor look my phone number and take me off of their calling list. I provided information to this company ; this company never identified the debt. I am making a formal complaint so this company will keep their word and stop calling me.

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 2019-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
My mortgage was taken over by Flagstar Bank in XX/XX/2019. They sent a letter that they needed my insurance information or they would purchase homeowner 's insurance on my behalf. I uploaded a copy of my insurance information numerous times and yet they kept saying they didn't have it despite paying my premium on XX/XX/19 in the amount of {$300.00}. I continued to call and was told they didn't have the insurance information even though they'd paid the premium and I sent more copies of my insurance. I was then told in XX/XX/2019 that they did have my homeowner 's insurance but they needed my XXXX   insurance, which I provided numerous times on their website as instructed. Still I'd call weekly and they said they didn't have it, I gave them the name of my XXXX  and the insurance carrier on 2 different episodes, was put on hold while they called them, told me they did speak to someone at the XXXX and insurance carrier and that proof was being faxed and my account would be reimbursed the {$290.00} they'd charged for insurance I did NOT need. I continue to call and am told they don't have it and they'll call me when they get it, but they do not. Today, I spoke to a " supervisor '' XXXX and was told they received it on XX/XX/19 and it " usually '' takes 3-6 business days to " process '' it and refund my account. Today is the 6th business day and still I have not had my account reimbursed for the {$290.00}.

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 2019-07-03 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS 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 2019-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I have been receiving multiple calls a day from community bank regarding payment on my card. I have been making payments as I can but have fallen behind as I had to quit my part time jobs due to illness. Today alone I have already received 7 phone calls by noon. They are also calling my husband and parents, noone else is on this credit card or the application and they were never given permission to call them nor given their contact information by me. This is harassment and I feel illegal practices as they are contacting people not involved in the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I don't know about this debt and XXXX  and XXXX  remove it from my account for the same reason.

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