vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-12 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: VA

Complaint narrative:
Equifax incorrectly assigned debt of {$110.00} from medical bill XXXX XXXX XXXX XXXX reporting from XXXX XXXX XXXX. ( On XX/XX/XXXX it was confirmed with XXXX XXXX XXXX that they did not report account to appear on my report as they were able to confirm per DOB and name that collection account belongs to my brother XXXX XXXX ). On XX/XX/XXXX this was explained to equifax. I was placed on hold by representative to consult with manager. When he returned, the representative stated that this was not a dispute, and proceeded to transfer me to mix department (? ) he called it. Transfer was never completed as I ended call after being on hold for 25 minutes. No representative followed up to ensure I was transferred or did they update me on why the transfer was taking so long. This incident occurred again on XX/XX/XXXX in hopes of speaking to someone in the correct department but had to end call due to no response on hold for over 20 minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am trying to use a product called XXXX to analyze my budget and spending habits, but XXXX XXXX does not allow this app to access the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
An unknown medical account appeared on my credit reports. I contacted all three credit reporting agencies with a notice of dispute dated XX/XX/XXXX. Both XXXX and XXXX  promptly removed the inaccurate entry from my credit reports and sent an updated copy. However, Experian said they verified the entry with XXXX XXXX and it was certified as accurate by them. I sent XXXX XXXX a dispute letter ( see attached ) via tracked priority mail they received the dispute on XX/XX/XXXX, proof of delivery is attached. I have had no response from XXXX XXXX and under credit reporting law the period for them to respond has elapsed. I sent Experian a letter, via tracked priority mail, along with a copy of the dispute letter that was sent to XXXX XXXX and informed Experian that no response was received from the company that supposedly certified the entry was accurate. Experian responded by placing a fraud alert on my credit report, this was never requested. Then in one day they sent back a letter saying they had investigated and once again the XXXX XXXX  certified the entry as being accurate on my credit report. Obviously Experian used the previous certification, if Experian ever even asked for one, of the entry as even the " provider of the information '' can not provide any backup information regarding this entry. Experian must feel it is less costly to not properly investigate the inaccurate entry on the credit report than to follow Federal Law stating that credit reports must be 100 % accurate and that unverifiable data must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reliant Capital Solutions, LLC
State: CA

Complaint narrative:
As of XX/XX/XXXX, I do believe, I am a victim of Identify Theft, and I would like to press charges against this person, and have her or him arrested!! who used my personal information, my Social Security number, my name, my birthday and addresses, to obtain personal gain, of {$1000.00} at XXXX College, California from XX/XX/XXXX to XX/XX/XXXX, per collection agency, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, Ohio XXXX, Phone # XXXX, They said I lived at this address in XXXX XXXX, California. I nevered in XXXX XXXX ever! I live presently, in XXXX XXXX the last 5 years, previous, I lived at this other address of 25 years here in XXXX XXXX. I have not attended college, since 30 to 35 years ago, I paid off my student loan numerous years ago, of {$500.00}. I am almost XXXX  years ago, and ready to retire soon of my Present position of 28 years, for the XXXX XXXX, here in XXXX XXXX, California. I Called ( 3 ) Times to the collection agency XXXX XXXX XXXX to request letter stating to compare the signature on loan document or check, when I receive this, to contact them, so I can hurry and catch this person using my personal information. The collection agency stated he can not send this letter out until 6-8 weeks. Stated this was protocol per their company. This was wrong! He could of made a copy and sent this to me! I asked him either to email me or fax to me or even send certified! He said no! I heard from someone that worked for another collection agency, and also a police officer here that worked in XXXX XXXX, A Police officer, XXXX stated that's " XXXX '' he is wrong! He can make a copy and sent it to you right away!, he also told me to ask for a ( his ) supervisor for that Collection agency. So Now I get a letter from the Department of The Treasury, stating that instead of supposing to getting my federal of {$3600.00}, no, that we applied your payment of {$910.00} to the following agency U.S. Department of Education. I tried calling the Department of Education one week prior to this, to flag this, and Entered my Social security number at prompt, the recording stated to contact XXXX XXXX   XXXX for this, I had good credit before this person robbed me of my personal information. I cant even sell my house now, or purchase a car for my son because of this. I think this collection agency is not honest or fair to their clients. I would like to report them. Now I am having bad headaches, I am becoming ill, my XXXX XXXX is rising because of this and I am going through mental anguish, and I am getting stressed out behind their inadequacies. I would like to report this Collection agency. Please contact me A.S.A.P. and let me know where I can get the right help! 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been disputing with all major bureaus against inaccurate and unverified collection accounts on my credit reports. I have sent letters asking for verification and method of investigation for verification for the collection accounts listed below. I have also sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to collection agencies. I have yet to receive any response from either any of the bureaus or any one of the collection agencies. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. 

Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/18, it shows that XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00} and XXXX XXXX collection agency owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/18, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}, XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00}, and XXXX XXXX XXXX collection agency owns the same XXXX XXXX account listed with XXXX XXXX at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months. I listed the inaccurate and unverified accounts below. 

XXXX - as of XX/XX/18 - XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX XXXX collection agency - XXXX XXXX - {$360.00}. 

XXXX - as of XX/XX/18 - XXXX XXXX collection agency - XXXX XXXX - {$360.00}. XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX   XXXX XXXX collection agency - the same XXXX XXXX account that listed with XXXX XXXX collection agency - {$770.00}.

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 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been disputing with all major bureaus against inaccurate and unverified collection accounts on my credit reports. I have sent letters asking for verification and method of investigation for verification for the collection accounts listed below. I have also sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to collection agencies. I have yet to receive any response from either any of the bureaus or any one of the collection agencies. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. 

Also, the bureaus have been reporting collection agencies own the same accounts. With Experian, as of XX/XX/18, it shows that XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00} and XXXX XXXX collection agency owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/18, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}, XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00}, and XXXX XXXX XXXX collection agency owns the same XXXX XXXX account listed with XXXX XXXX at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months. I listed the inaccurate and unverified accounts below. 

Experian - as of XX/XX/18 - XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX XXXX collection agency - XXXX XXXX - {$360.00}. 

XXXX - as of XX/XX/18 - XXXX XXXX collection agency - XXXX XXXX - {$360.00}. XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX   XXXX XXXX collection agency - the same XXXX XXXX account that listed with XXXX XXXX collection agency - {$770.00}.

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 non-monetary relief
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
To whom it may concern, I am writing to you because the debt is too hard for me to handle, I am asking for a deferment and removal of the derogatory mark off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
THIS LOAN OFFICER ILLEGIALLY USED MY IDENTIY WITH FINACIAL INFORMATION I WAS NOT AWARE OF. I WAS AWAITING SOCIAL SECURITY XXXX FROM BATTLING XXXX XXXX XXXX. I WAS REFERRED TO THE AUTO DEALER BY BROTHER PURCHASING HIS VECHILE THERE. IVE NEVER BEEN EMPLOYED BY THE EMPLOYER WITH EARNINGS AT THAT TIME EVER. PRIOR I WAS LEASING VECHILE WITH XXXX   WITH THE UNDERSTANDING SAME KIND OF CONTRACT WITH MY OWN INSURANCE. MY PAYMENTS WERE HANDLED BY CASH WITH XXXX. I HAD NO KNOWLEDGE OF THE INCOME PROVIDED NOR WAS I ASKED. I WAS NEVER AWARE OF PURCHASING THE VECHILE FOR 30,000 PLUS WITH NO PLACE OF EMPLOYMENT. I HAD NO KNOWLEDGE OF THE LENDER ILLEGALLY PROVIDING FALSE PLACE OF EMPLOYMENT WITH EARNINGS HOLDING ME RESPONSIBLE FOR THE COST OF VECHILE THAT WAS GOING TO BE TAKEN FOR UNABLE TO PAY FOR. I FEEL DEALERSHIP AND LOAN OFFICER USED MY IDENTITY FOR THERE FINACIAL GAIN. THIS IS IDENTIFY THEIFT FOR ONES GAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
All of my accounts have been hacked an I believe that BMW is behind it. Bmw has is doing everything that they can to keep me from getting to the right place to file a compliant they hack in my phone. They disable my car remotely. They have people following Me 24 hrs a day. I call the police but they do not want to help. They say everything they can to keep me chasing my tail. I've be hacked money frozen card towed illegally. Threaten all of these thing stim from bmw an this software they are developing for the driverless cars I THINK WHAT EVR IT IS ITS ON M6 CAR AN THEY HAVE WORKED WITH THE POLICE TO SEPERATE ME AN MY CAR. THESE PEOPLE FOLLOWING ME DISABLING MY CAR MAKING BREAKS GO OUT POWER SEEM TO BE DEAD THEN COMES BACK OVER HEATING THEN FINE IT'S LIKE THEY HAVE BEEN USING ME AS A TEST DUMMY. The police I hear are to be getting carS fRom bmw. My car is still in the pound police had a 3rd party pick up the car then called back in an said that I requested a tow. I have towing with bmw free I need help. I don't KNow what else to do when the police are involved in a crime an it seems that they will stop at nothing to keep me quiet they have put tires on flat take out fuses in my car so it wouldn't run. Hacked phone an have calls I call go to them. My name is XXXX XXXX XXXX XX/XX/XXXX. I don't feel safe. I was left in the middle of the street at night for 2 hrs an police drove by like I wasent their. I was taken to XXXX they tyed too wipe my phone 's clean I recovered them. Police helping these people that are following me please help. 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 2018-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: MD

Complaint narrative:
I RECEIVED NOTICE OF A DEBT ABOUT 8 YEARS OLD I DISPUTED THIS DEBT IN WHICH IT WAS FOUND TO NOT BE MY DEBT. IN ADDITION, IT WAS REMOVED FROM MY CREDIT REPORTS. HOWEVER, THIS COMPANY KEEPS RESELLING THIS SAME DEBT AS NEW TO OTHER COLLECTION COMPANIES AND THEY ARE REPLACING THE DEBT ON MY CREDIT REPORT. SO ONCE I DISPUTE THE DEBT WITH ONE COMPANY ITS REMOVED FROM MY CREDIT REPORT BUT MAYBE A FEW MONTHS LATER IT WELL BE REPORTED BY A NEW COLLECTION COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I am writing to you because this debt is too much for me to repay at this time as I am unemployed and I was recently badly injured because I was hit by a XXXX driver. As a result I can not work and I am asking for a deferment and to have the derogatory marks removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Bebit was closed in XXXX  balance no payment was missing improper reporting to all 3 credit inquiries pls remove well fargo card service

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12 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: IN

Complaint narrative:
XX/XX/2017 a hard inquiry on my credit was established. I have disputed this over the last several months. I do not and have not lived in XXXX, IL. neither have I been to XXXX for over 20 years. Equifax refuses to remove this inquiry, along with the false XXXX hard inquiries that I have followed all of the correct measures to have removed, they also are from XXXX, IL. XX/XX/2017, XX/XX/2017, and XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have been trying to get the loans from XXXX college discharged due to the school being closed. I filed a complaint with the Department of Education for the federal loans obtained from this school and it is still being processed. The school closed on XX/XX/2015. I have spoken to Navient on at least two separate occasions approximately four to five months ago about the loans from this school being a financial hardship and the degree is invalid, as I have attempted to transfer credits prior to the closure of the school and was unsuccessful on multiple attempts.Due to the fact that the degree is not valid and the transcripts are not valid also due the closure of the school, I am asking that you please consider why the debt for these loans should have to repaid since they are useless. Education should offer a return on your investment and in this case it has failed miserably to do so. People further their education in order to gain some use out of it, usually  employment or some type of advancement in their career and it is sad when all it does is accumulate debt for the individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/XXXX I called tax office to get update on refund. Was advised it was not in & that I could call federal tax offset number. Called and discovered they had been offsetted by previous lender. There has been no contact, no legal action. Account on credit reports say account is Closed and status Foreclosure Redeemed. Also that creditor retook possession. I have receive no updates on foreclosure since moving JXX/XX/XXXX. 
I called the in-town lending office, she had no file for me, no account number. Said she didnt understand why they would take my taxes. That the property was Sold by a Realtor Office. Said she would call home office and call me back. Received call back the next day, she tells me that what she understands from them is that they sent certified mail to me XX/XX/XXXX and account was Satisfied XX/XX/XXXX, by them taking my 9, xxx in tax returns. I didnt receive anything Certified. The Account on credit reports say Closed as of XX/XX/XXXX and balance due {$0.00}. I have heard nothing about owing on loan after the foreclosed, until years later??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have recently obtained a copy of my credit report. it showed a charge off by your company " Sync/XXXX XXXX '' that I do not recall. The last time it was reported was XX/XX/2015.

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