vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have filed numerous disputes with Experian and the continue to report an inaccurate bankruptcy on my credit report. XXXX XXXX has verified that I dont have a BK, also, Ive sent them copies ( XX/XX/XXXX ) of my report as proof and they still will not delete this record. They claim that they did an investigation but one of the phone reps told me that XXXX never verified the bk. Also , XXXX has sent them a dispute asking the to correct the issue but the wont. XXXX has even confirmed that they never did an investigation or contacted them about this item. Although I have sent in my current consumer report from XXXX whom their claiming supplied them this info and XXXX has sent in a dispute requesting that this item be deleted, they will still not correct this.

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 2020-03-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On Saturday, I received an alert from XXXX showing that Experian Credit reporting had added a collection to my account. It was from a company called XXXX ( XXXX ) XXXX. {$290.00} and it was coming from XXXX @ XXXX XXXX. I do not use XXXX XXXX XXXX   and never had, so I filed a dispute, under unknown debt or not my debt. That was on Monday XX/XX/XXXX, On Tuesday XX/XX/XXXX, I receive an email stating dispute results ... ... .the company that reported the information has certified to Experian that the information is accurate, the item was not changed as a result of us processing your dispute. I saw this, so I called up XXXX myself, I stated my name, and then they asked for my address, Is said well what address do you have, and he stated to me XXXX XXXX XXXX XXXX XXXX WI,, I said that is not my address ... ..I have never had XXXX XXXX XXXX, no one has ever opened an account using my name with XXXX XXXX XXXX , then I asked him what the date was for this non payment and he stated XX/XX/2008. So even if the debt was mine, 2008 is well past any statute of limitations for collecting a consumer debt. The complaint I have is against Experian, for not doing an accurate dispute, and not removing this from my credit report immediately based on, the fact this account did not match me, and second this account can not be collected because time as expired.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 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: CT

Complaint narrative:
I have found fraudulent accounts in my credit report that I did not authorize, previously I have try to remove them but nothing was done, I'd like to as for you help to fix this situation in my credit report. such accounts needs to be remove from my credit because they do not belong to me nor I have authorize them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have sent out letter to the companys and the credit Bureaus.. The inquiries on my TransUnion, XXXX  and XXXX that I did not apply for is. ( XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/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 2020-03-17 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: Vericred Solutions LLC
State: FL

Complaint narrative:
Vericred is a collection agency for XXXX. They keep selling my information to differs collection agency when they was paid off when the car was sold. Ive went over this multiple of times with them and this is fraud. They cant keep selling my information as a old debt. Especially when its been over 8 years thus has been settled with other collection agency. This against my rights and very much in accurate. The details were never verified as accurate. Please have this company investigate I never received any notification about this. I have attach the last collection agency my information was sold too

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management calls my phone every single day from XXXX-XXXX. I blocked their number over 300 times. Then, they have called from a different number. They call all day every single day and they are disrupting business, which places a substantial burden on my ability to earn a living. I asked them to discontinue the calls on XX/XX/XXXX, at XXXX XXXX, but the calls continued. Last night on XX/XX/XXXX, they called after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwestern Health Management INC
State: MO

Complaint narrative:
I have received an alert from my credit monitoring service a month ago that my credit score has dropped. l reviewed my credit score on XX/XX/2020 and seen that it had dropped 20 points on all three credit bureaus due to 2 negative items from Northwest Financial in XXXX XXXX Missouri. I have called Northwest Financial several times and I requested to be sent information that this is my debt, It has been a month and Northwest Financial still hasn't provided me any proof that they have an agreement with the creditor to collect this alleged debt, Nor would they provide me a contract where I allegedly agreed to pay these charges or signed. This company has been giving me the run around every time I call they say they will send me out the information again and yet nothing. These 2 negative items has lowered my credit score. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
A debit card was sent to me in the mail ( XX/XX/XXXX ) tied to an account in my name that I never opened. We quickly called chase and had them close it. It feels like what XXXX XXXX did back in XXXX, where they opened fake accounts and accumulated fees. It feels like a violation of my name and privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: CT

Complaint narrative:
I have found fraudulent accounts in my credit report that I did not authorize, previously I have try to remove them but nothing was done, I'd like to as for you help to fix this situation in my credit report. such accounts needs to be remove from my credit because they do not belong to me nor I have authorize them.

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 2020-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I need help. I want to report that IDEAL COLLECTION SERVICES, INC is committing multiple violations to the Fair Credit Reporting Act and this is hugely affecting me. 

I want to mention two serious violations : 1. Reporting an incorrect opening date 2. Charge-off interest. 

Damages : legal advice expenses, not being able to obtain loan, emotional stress. 

Please forward the attached documents to IDEAL COLLECTION SERVICES , INC . 

Thank you so much, CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had called XXXX because I was behind due to lack of Child Support payments, I let them know every month I was doing everything to maintain the account. I was on SSDI and I have XXXX XXXX XXXX kids. In XXXX of 2019 I called to let them know that by the XXXX of the month that I would have the payment. I was told that it was out for recovery but they would work with me. Three days later my car came up missing. I called XXXX explained to them what had happened. I was given the information on how to retrieve the car and was told that they would work with me to get the car back. I had the money at the end of XXXX, paid the money and immediatly recieved a call back saying that they did not have the car? That it must have been stolen. 

I live in a gated community and it has been here for 10 years and so has the leasing agent and she told me that they had not even had a potted plant stolen let alone a car. Her boyfriend is a retired XXXX   of 25 years. Here is what he told me and said that law enforcement is aware of this loophole in the California law but they can not do anything about it. 

When you car is out for recovery it is put on a " State '' website. Not a company the finance company works with but a sight that anyone, anyone can pick up a car and it is the honor system to report it. If the company that picks it up does not report it they sell it for parts. That explains why a XXXX dollar XXXX and a XXXX XXXX was not stolen. Foreign cars mark their parts so that is why they only do this to American made cars and mine was a XXXX XXXX. 

So the insurance knows about this, the finance knows about it and law enforcement. It is the consumer that suffers. 

The finance company did not due their do diligence, maybe purposefully to see if they did pick up the car hours after because that is when I made the call. There was no way to get ahead and look for it because when I made arragements to pay fully thinking I was getting car back it was already gone. 

I had to report the car stolen and then had to report that to my insurance and be held accountable for a XXXX deductible, and then had the remainder of my loan put on my credit report plus my year of payments until I had trouble they got to keep, I was left without a car with XXXX XXXX kids and myself being XXXX and them having to miss their medical appointments and not being able to get food. 

I did everything right and have been extremly penalized by a large corporation and it is all on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had called XXXX because I was behind due to lack of Child Support payments, I let them know every month I was doing everything to maintain the account. I was on SSDI and I have XXXX XXXX XXXX kids. In XXXX of 2019 I called to let them know that by the XXXX of the month that I would have the payment. I was told that it was out for recovery but they would work with me. Three days later my car came up missing. I called XXXX explained to them what had happened. I was given the information on how to retrieve the car and was told that they would work with me to get the car back. I had the money at the end of XXXX, paid the money and immediatly recieved a call back saying that they did not have the car? That it must have been stolen. 

I live in a gated community and it has been here for 10 years and so has the leasing agent and she told me that they had not even had a potted plant stolen let alone a car. Her boyfriend is a retired XXXX of 25 years. Here is what he told me and said that law enforcement is aware of this loophole in the California law but they can not do anything about it. 

When you car is out for recovery it is put on a " State '' website. Not a company the finance company works with but a sight that anyone, anyone can pick up a car and it is the honor system to report it. If the company that picks it up does not report it they sell it for parts. That explains why a XXXX dollar XXXX and a XXXX XXXX was not stolen. Foreign cars mark their parts so that is why they only do this to American made cars and mine was a XXXX XXXX. 

So the insurance knows about this, the finance knows about it and law enforcement. It is the consumer that suffers. 

The finance company did not due their do diligence, maybe purposefully to see if they did pick up the car hours after because that is when I made the call. There was no way to get ahead and look for it because when I made arragements to pay fully thinking I was getting car back it was already gone. 

I had to report the car stolen and then had to report that to my insurance and be held accountable for a XXXX deductible, and then had the remainder of my loan put on my credit report plus my year of payments until I had trouble they got to keep, I was left without a car with XXXX XXXX kids and myself being XXXX and them having to miss their medical appointments and not being able to get food. 

I did everything right and have been extremly penalized by a large corporation and it is all on my 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 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: MN

Complaint narrative:
I applied the refinance through PNC Mortgage couple months ago. The loan application was preapproved and appraisal was done. However, couple weeks later, a mail was received saying the loan was denied. I tried to call the loan agent. He never picked up my phone or return my phone call back. I attempted to call multiply times to try to explain that some of the information that showing in the application was not correct during the application process and after the I received the mail. No responses. And the problem of insufficient income causing the loan to be rejected was never communicated to me before the appraisal appointment was set and after the loan denial. I wasted around 700 dollars for a non useful appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CrossCountry Mortgage LLC
State: MA

Complaint narrative:
My husband and I refinanced our mortgage in XX/XX/XXXX with Cross Country. Since then, we decided to refinance with a small bank on XX/XX/XXXX but this time to take money out. 

When going through the refinance process with the new bank, Cross Country wanted to compete with the rate both me and my husband were offered by the small bank. Cross Country did not want to lose us as customers. We sent them the rate information we received from the small bank to see what they could counter. Cross Country said they could beat the rate we were offered ( based on our old records ) by the small bank but at that ran a hard inquiry without warning or approval from myself and my husband. We never heard back from Cross Country as to that rate was. I=Both myself and my husband received a hard inquiry notification from XXXX XXXX on XX/XX/XXXX and it wasn't until the next day that I decided to contact Cross Country about that. I contacted them on XX/XX/XXXX about the hard inquiry. The woman who answered took my information and said someone would return my call within a few business days. It is now XX/XX/XXXX and I still have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I have mailed a dispute to Credit bureau and company I mailed out validation letter and they didnt validate proof that the accounts are mine they didnt provide proof Explaining and calculated what they say I owe. 
They didnt provide me with copys showing I agreed to pay what they say I owe. 
Dont provide statue of limitations hasnt expired. 
Show me that there license to collect in my state. 
Nor provide me with a license #. 
Nor signature on agreed contract. 
they mailed me a bill what they say I owe not valid proof

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I started going to school at XXXX College in XXXX County, IL in XXXX. When given the pitch about the college, they claimed to be able to put 98 % percent of their students into the field that they would be studying for. On top of that, they also claimed that at any time, I could return to the school for free retraining after graduation. 

It was not until I graduated that I learned that it was not an accredited school, so if I were to continue my education elsewhere, I could not use the college credits. When they attempted to put me in my field, they kept trying to put me in customer service positions, such as a XXXX  XXXX  at a XXXX  XXXX down the block from the school, or giving me tiny XXXX  jobs, for companies that I believe don't even exist, due to looking them up and nothing about said company ever appeared. An example for this was a XXXX  XXXX  for a company called 'XXXX XXXX XXXX ', I have never heard of that company before or ever since. 

When attempting to find a position in XXXX XXXX  of XXXX  XXXX, a majority of employers would simply not call me back, give me the excuse that they were still looking, but in one instance when I asked if the head of the building was in, and was given an interview on the spot. When given my resume, they proceeded to laugh at after seeing that I went to XXXX. This prompted to do some investigation and found that there were many lawsuits and even ones that were won for their criminal justice students in XXXX for the sum of XXXX XXXX dollars. 

That being said, if this was the case for the criminal justice students, shouldn't it also be the case for all the other XXXX students as they have been found to not be keeping their promises and were essentially successfully sued for it by the attorney general of Illinois at the time, XXXX XXXX. 

I feel as though I should not be held responsible for paying back the student loans as given the information above, any and all XXXX College students should of been contacted or made aware of these lawsuits and given the chance to get in on them so that they may be absolved of the debt that they were wrongly put into.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
This past XXXX my husband called XXXX  XXXX  to inquire how much longer we had to be with them before we canceled and be penalized? I was standing in the room listening as their representative stated that we could cancel then without any penalty. He stated to package everything up and send. We did as he stated. Time has passed and now its XXXX and I receive a letter from Credence Resource Management that XXXX XXXX XXXX that I owe a huge amount ( {$230.00} ) and its delinquent. I disagree Totally!!!! I am striving every day to make my credit better and once again I hit a pitfall. We would have never canceled if he had not told us no penalty would be applied and why wait 4 months without receiving any billing statements?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am writing in regards to an account I had with Synchrony Bank/XXXX. 

I received a letter dated XX/XX/XXXX from the bank stating that I now owed an huge balance on my Synchrony Card, that had a credit limit of {$1500.00}, in the amount of over 5,600. 

On XX/XX/XXXX, the account was paid in full by a debt consolidation loan ( from XXXX XXXX XXXX XXXX ) and closed by the my credit union upon request. I received a letter in XXXX stating the account was closed. 

Fast forward to XX/XX/XXXX when I received notice that my account now had a balance of {$5600.00}. I am not sure how this is even possible on a closed account when the balance was {$0.00}. I did not make a purchase before/after the account was closed and there is no way I could afford a purchase of {$5600.00} on an account that only has a {$1000.00} credit limit. 

I attempted to contact the bank on multiple instances in XXXX, ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) to no help from the bank. They stated the debt was correct and I still owed this amount. 

I do not owe this debt, but have been paying on the debt because it is listed as derogatory on my account. I am forced in a position on this account to pay on something I do not owe.

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