vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-07 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: CA

Complaint narrative:
A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: CA

Complaint narrative:
In correspondence dated XXXX XXXX I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

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 2017-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC
State: SC

Complaint narrative:
XX/XX/2017 AROUND XXXX XXXX est. Called spoke w a XXXX after seeing item on my XXXX XXXX which is not mine bill- has been previous disputed these charge amounts before. XXXX refused to allow me to dispute stated the time has came and gone to do that and its in collections now. I told him to Cease and Desist account- he refused to do this as wel.. kept saying send it in writing ... on everything i stated. very rude. felt threatened, and that it did not matter what i had to say, asked for supervisor said I could call back no one was above him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: CA

Complaint narrative:
I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions last XXXX, this credit reporting company would comply to the settlement. According to this link : https XXXX XXXX An copy of the settlement was published in this link publicly : https : XXXX XXXX  XXXX % XXXX % XXXX % XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted Experian in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. I have even requested for a copy of any of the contracts I initiated with my signature to be produced to Experian where the accounts were " verified '', still nothing has been provided to me, yet they continue to report inaccurate information that is continuing to deteriorate my credit file.These items have been deleted from the other two agencies. The items are : XXXX XXXX XXXX XXXX and 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 2017-09-07 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: MI

Complaint narrative:
Equifax has a tax lien on my credit report dated XX/XX/XXXX. I  have disputed it many times and also pointed out that in addition to not owing anything to the IRS they dated the lien for XX/XX/XXXX when the correct date is XX/XX/XXXX almost 11 years prior to when they dated it. Every time I have made this dispute Equifax has ruled in my favor but they still leave the item on my report. I call and they promise it will be removed but it never gets removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: GA

Complaint narrative:
Several Accounts that were satisfied and arrangements were made are still showing negative on my credit report. .several attempts have been made to have them removed bit they still remain and when ever I contact the credit company that ca n't provide me with acurate information 7 XXXX XXXX XXXX student loans the show closed, delinquint that 's should be removed because arrangements were made and all were satisfied the acount number is XXXX XXXX XXXX XXXX opened 3 of them are shown on my credit report. .. 
There is also a hard Inquirie that should be removed from XXXX made on XX/XX/XXXX that I have no knowledge of and I did n't get any line of credit and I want it removed for that reason XXXX XXXX and loan XX/XX/XXXX arrangement was made and satisfied for the XXXX dollars Both XXXX XXXX charge off should not be 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 2017-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: LendUp Loans LLC
State: CA

Complaint narrative:
i tried to open an account .the bank open and closed it right away. ny name is XXXX XXXX XXXX born XX/XX/XXXX ss is XXXX born XXXX ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO

Complaint narrative:
On XX/XX/17 I received a call early in the morning and the name the person asked for was not mine. Three hours later I received another call from the same number where one woman was very rude and even hung up on me when I asked what/who this was. I called the number back to advise them not to call this number again. I even repeated the phone number back to them and the representative said they will remove the number. An hour and about 35 minutes after I received another call from the same number, two more calls about three hours after that and then finally another call an hour and 45 minutes after that as well as voice mail messages. In just one day I received a total of 6 calls all from the same number and same company. In the past I have received multiple calls throughout the day from this number before. They even call from multiple different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My identity has been stolen and someone had my SSN. They opened a savings and checking account in my name online on XX/XX/XXXX. We found out about it and closed the account XX/XX/XXXX and told the them they need to block anyone else from opening any more account in my name. Well, another account ( savings and checking ) was opened with huntington bank XX/XX/XXXX. Now we have to file police report and go through the whole process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: IL

Complaint narrative:
I 've repeatedly sent Transunion my fraud reports, and asked that they remove the fraudulent accounts and fraudulent credit inquiries. They responded by removing XXXX accounts, and putting the debt into a " dispute '' status. They are reporting a tax lien that is NOT mine. I 've attempted to verify with the courts and they have no record of the tax lien. I 'll attach screen shots or the courts website with the case number, as well as a detailed list of the Inquiries that I did not authorize. When I spoke with a rep in XXXX today he informed me that they verify it electronically through the courts website. Clearly, it 's not in there, I 've spoken with the courts representatives on numerous occasions and they ca n't find anything either.

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 2017-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
IC Systems added a collection to my credit report stating I have a XXXX bill, which I never had. The address is a family member but I never authorized a bill at XXXX XXXX XXXX XXXX. I live at a different location with my on bill I wrote the company asking for them to validate. The debt or remove it from my credit report they have done neither. It is crazy to me how they can affect your life and employment with no proof or recourse when they know they are wrong. They do n't even have to respond to your letters. This should be a crime.

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 2017-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute with Experian in early XXXX in regards to an account reporting on my credit report that does not belong to me. The account is XXXX XXXX, it was deleted and found not to belong to me. On XXXX XXXX, XXXX I find that this account that does not belong to me is place 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 2017-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION
State: OH

Complaint narrative:
I was promised a {$100.00} bonus if I opened a BBandT account and if I met certain requirements such as a direct deposit, ETC. However, when I went to the branch where the account was opened by XXXX XXXX, I was not informed that I would not receive the bonus because it had to be opened online ( allegedly ). XXXX XXXX even accepted a promotional code from me ( XXXX ), and told me that it would work. XXXX XXXX either gave me incorrect information regarding the promotional code or he deliberately misrepresented his bank. A couple of weeks later, when I called BBandT I was informed that even though I met the requirements needed for the promotion since it was not opened online, I would not receive the promotional offer.
BB & T benefited from my money being deposited at the bank but did not keep their end of the bargain. What the banker at BB & T did was equivalent to a doctor advising someone to do a surgery that would negatively affect their health. And then when the patient complained to the hospital ( BBandT ), the hospital would say that the patient did not read the terms and conditions closely enough. If the bankers verbal commments were in contradiction with the many many terms and conditions written on paper then this is fraud. Since the banker could deny saying what he did, I want it to be taken into consideration how as a XXXX XXXX, it would have been easier for me to open the bank account online rather than at the branch and subsequently receive the promotional offer.

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 2017-09-07 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: National Enterprise Systems, Inc.
State: NY

Complaint narrative:
Nes called me in early XXXXstating I had an outstanding medical bill. I did not recognize the date of service and I did not recall ever receiving the medical treatment they described. I asked them to send me documentation and never received anything from them again

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 2017-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I have been disputing Midland Credit Management aka Midland Funding LLC since XX/XX/XXXX/ XX/XX/XXXX of this year. I utilized XXXX and seen that I initially had ( 1 ) collection item listed from this company. I immediately took action disputing the validity of this account, asking for verification, and proof that they attempted to contact me prior. The company never provided any documentation and then proceeded to send me threatening letters stating that they would seek legal action. I received another correspondence stating that I personally spoke with them on the phone and spoke with their legal dept, I asked for proof of those conversations and I never received it. Prior to me disputing this account, I have never had any contact with Midland Funding and Midland Funding has never reached out to me.
Most recently, I check my credit again and Midland Funding has added another unverified debt on my credit file. I am beyond outraged that this company continues to violate my consumer rights and also damage my credit. I do not owe any debts to Midland or any outside vendors that they may have. To add insult to injury, when the second account was placed on my credit file, I never received any documents or notification for validation for that alleged account. Midland Funding has been the topic and center point for numerous class action lawsuits and settlements due to their illegal practices. This company is attempting to swindle monies from me and I will not actively participate in their activities. Every time that I dispute an account that is not mine, Midland begins to send me stressful threatening letters demanding payment or I will suffer legal action. Midland also present these letters in a manner as if they have been communicating with me on a regular basis. This is not the case and completely false representation on Midland 's part. I want both of these erroneous accounts deleted from my credit file immediately and for Midland to do their due diligence prior to ruining unsuspecting consumers ' credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Due to much needed repairs on the home, I fell behind on the mortgage. I began a repayment plan in XX/XX/XXXXand successfully made the first payment. When I attempted to make a second payment ( which would have bought the loan current ) I was told that since there was paperwork I did n't return, they cancelled the repayment plan. I tried another repayment plan, but was told that the repayment plan was rejected ( even though I had the amount for the down payment in the bank ). I was never given a reason for the rejection of the plan. I filed paperwork for a loan modification at the end of XX/XX/XXXX. It is now XX/XX/XXXX, and every time I contact the company, I am told I am either missing documentation, have incorrect documentation or there is something wrong with the documents I have given them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Acceptance Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX has been trying to collect a debt that does not belong to me..the account was closed and once I started disputing it XXXX XXXX XXXX   illegally re-aged the debt.It went from being closed and nearly falling off to being reopened and the fall off date is way past the original date..they have not been able to supply me with the original contract and are taking advantage of me..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: ND

Complaint narrative:
I received a letter from CitiBank XXXX XXXX XXXX rewards card stating that they were decreasing my credit limit from {$25000.00} to {$11000.00}. When calling to ask why, they basically said because they can. I schedule automatic payments through my bank, so they wo n't be late and stay consistent - often paying more than the minimum payment. I discovered when speaking with them, that I made a larger purchase and my scheduled payment of {$230.00} was not enough to cover my {$230.00} minimum payment - resulting in a late fee. I spoke to a supervisor and upon doing a review of my payment history, she realized that I had not had a late payment in 25 years ( surprised me too ). She reluctantly reversed the fee. I then tried to reinstate my credit limit as it significantly reduced my credit score. They asked for an update income as it had not been updated for 25 years and at that time I was a college student making nothing. I updated income to {$180000.00} and customer service representative verbally approved my reinstatement of credit limit, but told me it would need to go to the next level for final approval. I was told I would be notified via email, but instead I received a letter denying my request. The scary thing is that I quickly realized that any and every credit card company could to this at their will for about any reason. This would totally demolish any credit score. On top of all that, when I received my next statement, all reward points were gone - like I was n't even enrolled in the program. It 's obvious that the thousands of dollars they 've made from my interest was enough and did n't want my business anymore.

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 2017-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
Ad Astra Recovery Services company placed an invalid debt on my credit. I have been disputing this company since XXXX 2016, and I have given them more than enough time to produce documents proving this to be my debt. Ad Astra has failed to provide any of the requested docs that I asked for.
I HAVE NEVER RECEIVED ANY COMMUNICATION VIA LETTER, EMAIL, VOICE, ETC FROM THIS COMPANY NOR HAVE I RECEIVED ANY TYPE OF VALIDATION DOCS PROVING THIS DEBT TO BELONG TO ME. THIS IS ILLEGAL AND AGAINST MY RIGHTS AS A CONSUMER. I WANT THIS REMOVED FROM MY CREDIT REPORTS ASAP.
Also, the last time I communicated with this company, they stated that this is an " electronic debt '', which I have no clue as to what that means. This company has failed to provide me with the info they used to contact me .If this company is insinuating that " electronic debt '' is an online account, that would further prove my point that anyone can sign an e-disclosure, bc its done ELECTRONICALLY BEHIND SOME DEVICE, therefore that is not acceptable to use as an excuse of validation.
This account is being disputed and has not been verified, so marking it as disputed on my credit file will not suffice. According to my consumer rights if I dispute a erroneous account and has not received validation ... .you must delete the debt until solid proof is confirmed/ found. I will be escalating my concerns in regards to the violation of my consumer rights as well.

Company response to consumer: Closed with explanation