vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC
State: NV

Complaint narrative:
University XXXX XXXX has removed this debt from my credit before as a result of it being supposed to be paid for by XXXX XXXX XXXX XXXX. This was several years ago. Now Debt Recovery Solutions is reporting it and has not sent me ANY notification of the debt collection and has reported it to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Revenue, Inc.
State: GA

Complaint narrative:
On Sunday, XXXX/XXXX/XXXX, I received a credit alert from XXXX  and XXXX that a new collection account has been added to my credit records. I have no knowledge about this alleged debt, did not receive any notification surrounding this debt, etc. Therefore, I am requesting the company that reported this account, EASTERN REVENUE INC, remove the negative reporting from my credit records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a freeze on all of my reports. A company XXXX XXXX XXXX pulled my credit report by saying it was FRAUD ACTIVITY on my account. Per I do have an account with this company and this is not the first time they have tried to pulled my report. I do not understand why you need to constantly pull a credit report if someone already has a account. 

So In order to pull my report they had to state that I was doing something Fraudulent. I called to ask them what was I doing Fraudulent and each time the disconnected the phone call, three times. I need this inquiry deleted from my report. I have contacted XXXX and they are insisting that I get a letter from this company and the company will not even speak to me. This report was done in FRAUD. I will be also getting a police report. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: CT

Complaint narrative:
I submitted several complaints to this company about my report and incorrect information reported. I called numerous times to have my billing address updated and the company failed to update the correct information. The company has marked my account late in XXXX, XXXX, XXXX, XXXX, XXXX XXXX and as of recently in XXXX and XXXX of XXXX. The company failed to put correct billing address on statements when acct was first originated. This company leaves consumers no choice but to bring these matters to court because they 're unwilling to fix errors on credit reports. The company had also promised to contact their back office to reset my payment due to their error and this was never done but the company marked my account late once again. The company closed my account due to my complaints and then stated that the customer requested it. I requested for the balance to be removed from my account from the damage this company continue to do to my credit and their refusal to fix legitimate concerns and account closed and removed from my report. This company has cost me monies and has retaliated against me for exercising my rights.

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 2017-10-30 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: CT

Complaint narrative:
I submitted several complaints to this company about my report and incorrect information reported. I called numerous times to have my billing address updated and the company failed to update the correct information. The company has marked my account late in XXXX, XXXX, XXXX, XXXX, XXXX XXXX and as of recently in XXXX and XXXX of XXXX. The company failed to put correct billing address on statements when acct was first originated. This company leaves consumers no choice but to bring these matters to court because they 're unwilling to fix errors on credit reports. The company had also promised to contact their back office to reset my payment due to their error and this was never done but the company marked my account late once again. The company closed my account due to my complaints and then stated that the customer requested it. I requested for the balance to be removed from my account from the damage this company continue to do to my credit and their refusal to fix legitimate concerns and account closed and removed from my report. This company has cost me monies and has retaliated against me for exercising my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: CT

Complaint narrative:
I submitted several complaints to this company about my report and incorrect information reported. I called numerous times to have my billing address updated and the company failed to update the correct information. The company has marked my account late in XXXX, XXXX, XXXX, XXXX, XXXX XXXX and as of recently in XXXX and XXXX of XXXX. The company failed to put correct billing address on statements when acct was first originated. This company leaves consumers no choice but to bring these matters to court because they 're unwilling to fix errors on credit reports. The company had also promised to contact their back office to reset my payment due to their error and this was never done but the company marked my account late once again. The company closed my account due to my complaints and then stated that the customer requested it. I requested for the balance to be removed from my account from the damage this company continue to do to my credit and their refusal to fix legitimate concerns and account closed and removed from my report. This company has cost me monies and has retaliated against me for exercising my rights.

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 2017-10-30 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: Colony Brands, Inc.
State: PA

Complaint narrative:
I have a freeze on all of my credit reports. A company XXXX XXXX XXXX pulled my credit report by saying it is was Fraud activity on my account. Per I do have an account with this company and this is not the first time they tried to pulled my report. So in order to excess my report they state FRAUD and when I call the company to see what was the FRAUD they refuse to take my call. I have been hung up on 3 TIMES. I need to inquired deleted. Per I have not done anything but try to keep these companies from pulling my report without my knowledge. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX collection agency contacted me to discuss a claim in reference to my daughters impacted XXXX XXXX XXXX I advised them that I was working with dental office and my insurance carrier that the is a dispute between my surgical plan and my dental plan. I advised that they are both pointing the fingers at each other. my company HR representative is also working on it. this is not my fault, its a insurance issue. As of XX/XX/XXXX, theres a 180-day waiting period before unpaid medical debts can show up on consumerss credit reports giving me and my insurance carriers sufficient time to investigate the representative from agency was rude and told me they were going to sue me. 

all 3 bureaus have placed on my 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 2017-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
While accessing my Credit Report I noticed a collection from Optimum Outcomes. I 've written to this company to validate the debt they say I owe as well as their authority to collect on this debt and have received nothing. I feel as though my HIPPA rites have been violated as I have given NO entity permission to share my personal medical information with a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX collection agency contacted me to discuss a claim in reference to my daughters XXXX XXXX XXXX XXXXXXXX I advised them that I was working with dental office and my insurance carrier that the is a dispute between my surgical plan and my dental plan. I advised that they are both pointing the fingers at each other. my company HR representative is also working on it. this is not my fault, its a insurance issue. As of XXXX XXXX, 2017,  theres a 180-day waiting period before unpaid medical debts can show up on consumerss credit reports giving me and my insurance carriers sufficient time to investigate the representative from agency was rude and told me they were going to sue me. 

all 3 bureaus have placed on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX collection agency contacted me to discuss a claim in reference to my daughters XXXX XXXX XXXX XXXXXXXX I advised them that I was working with dental office and my insurance carrier that the is a dispute between my surgical plan and my dental plan. I advised that they are both pointing the fingers at each other. my company HR representative is also working on it. this is not my fault, its a insurance issue. As of XXXX XXXX, 2017,  theres a 180-day waiting period before unpaid medical debts can show up on consumerss credit reports giving me and my insurance carriers sufficient time to investigate the representative from agency was rude and told me they were going to sue me. 

all 3 bureaus have placed on my 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 2017-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was laid off from work. 
I applied and was approved for an Unemployed assistance loan from KYHC. 
On XXXX XXXX and XXXX, I received an email and a phone call from a XXXX XXXX with XXXX regarding my " inquiry '' for mortgage assistance. After the second time I called XXXX XXXX and asked where he got my name as I had not made any inquiries. He responded with - are you with Ocwen? I said yes - he said we buy leads from Ocwen on troubled or delinquent files!!!!! I asked to be removed from his list. I checked his name and he is not listed with NMLS or BRE. 

At that time I called Ocwen and spoke with Agent I.D . XXXX. He indicated my account was in good condition - that I showed behind ; however, they are expecting two more payments from KYHC. He indicated there were no notes in the file as being referred to anyone ... ... .. 

How does Ocwen get off " selling '' my information without my consent and certainly without my knowledge????? 

This needs to be reported. And please do n't bother sending this to Ocwen for a response because we all know what will happen ... .... nothing ... ... ... .they will write a long letter saying nothing - and you will post the incident solved?????????????.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
They have not removed false information from my report that XXXX removed already. They make it hard to dispute information plus my personal information was compromised because of their recent breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX I responded to an ad on XXXX to rent a one bedroom apartment and got a respond back about the apartment from a person named XXXX XXXX and confirmed he and his wife were the owners of the apartment but needed to move to a bigger place and was rentin this apartment out. 

He indicated the rent was a {$1000.00} with a security deposit of {$500.00}. He called and I spoke to him and he assured me everything was OK. I made a deposit ( into his wifes Wellsfargo account which he gave me the account details of ) of {$500.00} on the XXXX of XXXX XXXX with the anticipation of paying the remaining balance on the XXXX of XXXX and move in on that same day. I made the deposit on the XXXX and called XXXX and he informed on the call that the apartment was being cleaned, after about an hour and no call back from him I called him and he wasnt picking up my calls and eventually my calls were blocked. I realized I had been scammed. I then went to the XXXX XXXX police department to make a complain and also called XXXX Fraud line where I was informed to stop into a branch to make an official complain. I went into the Wellsfargo balance on XXXX XXXX XXXX # XXXX where I spoke to a representative named XXXX to see how I could recover my account and was told there is nothing they can do and the fraudulent account had been flagged. All I want is to recover my {$1500.00} from the fraudulent account that Wellsfargo opened.I have information of so many other accounts that Wellsfargo opened for these scammers. I have all the details of all the transactions, account information, police report and lease that XXXX sent to 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 non-monetary relief
Consumer complaint received 2017-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have requested from Wells Fargo by Registered Mail proof Of Notice of Default and Notice of Trustee Sale and where it was mail. I never received any of the  following. 

I also requested by Registered Mail before my home went into Foreclosure Proof of the Series bonds back and front. I was talking to some one for weeks about the situation and they was telling me over and over every day for over a month they was getting the information requested. I was calling at least 5 times a day according to my phone records of both my Cell phone carries. It was some weeks over 60 calls.
I spoke to the same man about the situation and I was getting the run around for what I had requested.
Wells Fargo had my address update and sent me a letter stating that they had on file to mail all important mail so why is it I never got a Notice of default or notice of sale.
I also have other issues to my loan documents that I have when I first closed was not all sign and I have all the papers that was giving to me and it 's like 24 sign lines not sign by me left blank. I have discuss this with some one some where else to this situation as well. Wells Fargo has yet to explain all these issues I have a lot of Registered Mail to them going back to these issues at hand about all these issues.
Nothing but the run around or they mail things you do n't ask for and a bunch of papers that have nothing to do with what you ask for.
talk to the office manager in XXXX about how the association would not let me in at my own property. that issue went own I was paying the payment and could not even get in I was told Wells Fargo did not answer the notice that was sent to them. I call and they kept sending me around in a circle about that issue I was told by the manager at the XXXX office I was still the owner it was one lie after another with Wells Fargo My next issue was with the IRS tax lien on the property and it was for {$34000.00} on the property and I was told you can not remove a tax lien by the IRS once place on it.

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 2017-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
For approximately three months the funds for my XXXX loan are not being appropriated correctly. I have the same loan number for AES and XXXX. The money for AES is being accepted, but not XXXX. 

I have been dealing with AES and XXXX on a weekly basis, and was advised to enroll in auto pay ; however, after doing so my funds are still not being applied correctly. 

I have overpaid on my monthly payments for the past several years, and I am now in a place now where they are not accepting the payments or correctly applying the payments where they need. I believe that I have done everything in my power to resolve this issue, yet, they keep advising me to send more money, but still not being applied correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
Please note : XXXX stands for XXXX XXXX XXXX, which is me ( XXXX XXXX ) Mortgage company is not being responsive, please see attachments. I have tried to contact lender on following dates : XX/XX/XXXX - confirming lender received documentation XX/XX/XXXX - called twice no one answer the call XX/XX/XXXX - called twice no one answer the call XX/XX/XXXX - email lender and cc XX/XX/XXXX - called lender was on call for 20 min., only to be told she can not help but will pass my contact info to the loan counseling dept hopefully someone will call back in 24-48 hours.

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 2017-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am writing in regards to an account that was opened up without my knowledge through XXXX XXXX and has been reported to collections to all three credit bureaus. The account was sent to collections on XXXX XXXX, XXXX for the amount of {$490.00} through XXXX XXXX XXXX XXXX and I was unaware of its existence until applying for an auto loan in XXXX of XXXX. Since discovering the account being reported to the credit bureaus, I have contacted XXXX on several occasions trying to get further information but they have been unable to provide me any details beyond the name and address on the account. I was informed that the account in question was opened at a satellite or authorized retailer location and they were unable to access any further details regarding the account, so I have not been provided proof that I had opened an account with XXXX. The address provided for the account is not a location I ever resided but at the time the account was opened, I was living with a friend in the area and believe that someone gained access to my personal information without my knowledge and used it to open the account. I have requested XXXX XXXX remove the account from my name and to send information to the three credit bureaus to completely remove the account from my credit history, but they have refused any action without proof that I did not open the account. 

I have disputed with the credit bureaus but all disputes have been denied because the account meets FCRA requirements. This account being reported to collections to my credit is preventing me from purchasing a home and has hindered my ability to gain employment in several financial institutions to which I have applied. I would like this to be reviewed and to ensure that it does not have any future implications. I would like proof of ownership supplied by XXXX as soon as possible and, if it can not be provided, the account be removed from collections and from the XXXX accounts database so I do not have to fear any future collections actions on the account.

Company response to consumer: Closed with explanation