vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
AARGON COLLECTION AGEN acount # XXXX XX/XX/2019 amount {$2100.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I HAVE TRIED SEVERAL TIMES TO RECTIFY THIS IDENTITY THEFT ACCOUNT WITH HOME DEPOT AND XXXX AND THEY ARE REFUSING TO HELP. I NEED THIS ENTRY OFF OF MY CREDIT REPORTS ASAP AS I AM A VICTIM OF IDENTITY THEFT. I WILL BE FILING LAWSUITS AGAINST THE CREDITOR AND BUREAU FOR THE MAXIMUM COMPENSATION BY LAW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
in XXXX of 2019, i filed a dispute to the 3 credit bureaus ( Experian, XXXX and XXXX XXXX about XXXX XXXX XXXX ( Debt Collection agency ) to verify that this debt of a {$380.00} medical debt belongs to me by providing me with documentations that has my signature showing contractual agreement or remove from my credit report immediately! i also asked that directly to XXXX XXXX for validation in XXXX of 2019 without violating my Hipaa rights and they did not respond. XXXX on XX/XX/2019 was not able to verify and remove the account from my report but experian and XXXX claimed to investigate and responded the the account was accurate and verified. how is this possible without violating my Hipaa Rights and not showing me proof of validation and how is it that XXXX XXXX sent the 2 collection agencies proof and not me when i submitted a request for verification??? I have disputed the account for nearly 12 months now and still they show me no documents and method of their investigation. so now Im asking C.F.P.B to step in and help!

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 2019-12-17 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: MO

Complaint narrative:
On XX/XX/2019 I mailed a factual dispute to Equifax anticipating incorrect information on my report to be corrected or removed. I was received by Equifax on XX/XX/2019 via certified mail with USPS tracking number XXXX XXXX XXXX XXXX XXXX. Equifax exceeded the allowed time frame to investigate the matter and began to review the case on XX/XX/2019, a full month later. That investigation also exceeded the allowed time frame of 30 days. The confirmation for the case is # XXXX. According to Equifax, the investigation should have been concluded on about XX/XX/2019. However, by XX/XX/2019, still no conclusion or results to the investigation. I called in to speak with someone assuming there was a mailed out dispute result and I was told that no decision had yet been reached, and at that moment I made a complaint with the Equifax about my violations under the FCRA. Equifax has exceeded the allowed time to investigate the accounts and per the FCRA anything that can not be verified must be deleted permanently from the consumers file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX  OR TRANSUNION, ALTHOUGH XXXX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX/XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER EXPERIAN OR XXXX, ALTHOUGH XXXX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER EXPERIAN OR XXXX, ALTHOUGH XXXX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
PHH Mortgage notified me in mid XXXX that I was delinquent making my XX/XX/19 payment. I had made the payment on time. I have made all my payments on time. Upon querying my online account my payment history indicated I had made the payment on time. However, my home page indicates I currently owe the payment plus late fees. I have been unable to speak with any PHH employee due to 17-28 minute customer service wait times. I submitted a message through the company message system with no response. PHH has threatened to report to the credit reporting agencies that I am delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
I was approved for a loan modification on XX/XX/XXXX by Mr.Cooper. The loan modification trial period is {$780.00} for ( 3 ) months XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I spoke with several " specialist '' not customer about the loan modification. Mr. Cooper received a money order for {$1100.00} via XXXX XXXX on XX/XX/XXXX. They took {$780.00} and applied to my 1st loan modification pay for XX/XX/XXXX. A specialist informed me that I had a credit of {$310.00} on my account for my XXXX payment and i needed to only pay {$460.00} for XX/XX/XXXX. I called back yesterday XX/XX/XXXX because I received an email from Mr. Cooper that they were changing my email to my sisters email. I wanted to confirm the {$460.00} payment for XX/XX/XXXX. I was told my house was in foreclosure and not eligible for the loan modification. Then I was told that my credit of {$390.00} is not available for me to use towards the XX/XX/XXXX payment. I was told that any payment that they received before my trial period started is considered a partial payment and not eligible to be used on my account. They received a payment of {$1100.00} on XX/XX/XXXX but yet applied to my trial period. Mr. Cooper is making up the rules to benefit them. I feel that Mr. Cooper gave me fraudulent information to sabotage my Loan Modification to foreclose on my parents house. If I wouldn't have called to Mr. Cooper yesterday, I would have been kicked out of the Loan Modification for a partial payment. When you complain the first thing the rep does is say the house is in foreclosure or they accuse you of being poor and not being able to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX OR TRANSUNION, ALTHOUGH XXXXX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been disputing inaccurate accounts on my credit report since XX/XX/2019, and letters have been sent every 30 days after. ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I received one response from TransUnion and XXXX  ( XX/XX/2019 and XX/XX/2019, respectively ). I have never received any response from XXXX, and nothing from TransUnion or XXXX since the first. I have included the letters I've sent as proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
My credit report showed two accounts in collections from XXXX XXXX in the amounts of {$230.00} and {$2200.00}. I previously did not receive any communications from XXXX XXXX about these bills and found out about them on my credit file. Once I became aware of the accounts, I made arrangements to pay in full. I spoke to several representatives at XXXX XXXX Billing Dept. and TransWorld Systems Inc. and all agreed to remove from the credit file if paid in full. These are still showing on my credit report and need to be removed ASAP as it is effecting my ability to obtain a mortgage. These accounts have both been paid in full with no other outstanding balances. Please remove from my credit file ASAP. Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
in XXXX of 2019 had identity stolen along with my car. told on recorded lines that i didn't authorize, also in writing asked for a finra complaint to be formally submitted. Wells fargo sent me letters claiming they researched it and found I did authorize. Finally forcing me to obtain police records etc. even after they were informed. they opened this account on line with no verification, they were not helpful. i work in this industry and my credit report is one item clients use when looking for a financial advisor. they were not helpful, and acted in an extremely unprofessional manner, given that they opened the account on line with no verification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
ABILITY RECOVERY SERVI XXXX XX/XX/2018 balance # {$2000.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
My escrow account has been mismanaged, and incorrectly analyzed. Refunds have been issued over the past 2yrs, that should have never been issued, which resulted into escrow shortages, and increases in my mortgage payments for the past 2 years. These mistakes has increased my mortgage payment by {$340.00} in the past 1 years, making it difficult to pay my mortgage, and impossible for me to catch up my mortgage payments, should I ever fall behind, like now. I have never fallen this far behind, but the difficulty in catching up is because of the continuous increase in payments. I have not been able to speak with the assigned case manager, or anyone else representing the company. The recording always states the case manager is not available. There have been numerous times I have been on hold for over an hour. The only type of communication I receive from the mortgage company is by mail. Ive received the same correspondence dated 2-3 days apart on more than one occasion. Now Ive received an intent to foreclosure. My payments have went from {$1000.00} to {$1400.00}, all due to escrow shortages caused by the mortgage companies mishandling of my escrow account. There has been no significant change in my property tax payment or homeowner insurance payments. In one analysis PHH states actual payment for property taxes were {$12000.00}, and Hazard Insurance paid was {$1.00}, XXXX. My last property tax payments totaled {$8600.00} for XXXX, paid in XXXX, and Hazard Insurance paid was {$1300.00} for XXXX. I don't know where they got this information from, and it is not supported by any of the payment information of the Escrow account. The escrow shortage exist only because of the mismanagement of the escrow account for XXXX and XXXX, XXXX. During this time they have refunded a total of {$5400.00} and the shortage amount totals {$6300.00}. The amounts listed for actual payments of property taxes and insurance are incorrect, but I can never reach anyone to discuss this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing inaccurate accounts on my credit report since XX/XX/2019, and letters have been sent every 30 days after. ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I received one response from XXXX  and XXXX ( XX/XX/2019 and XX/XX/2019, respectively ). I have never received any response from Equifax, and nothing from XXXX or XXXX  since the first. I have included the letters I've sent as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing inaccurate accounts on my credit report since XX/XX/2019, and letters have been sent every 30 days after. ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I received one response from XXXX  and Experian ( XX/XX/2019 and XX/XX/2019, respectively ). I have never received any response from XXXX, and nothing from XXXX  or Experian since the first. I have included the letters I've sent as proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX claimed that I owed them money ( {$830.00} ) back in XXXX, 2017. They said that I was XXXX XXXX with an address located in XXXX, AL. I made several attempts to correct with them, and they said that there was nothing they could do, since the account had been turn over to a collection service. I corrected what incorrect information I could on my credit report. Now, XXXX XXXX XXXX has assumed that debt, and filed it against my credit report. I have received no communications from them, but my credit rating has dropped almost 100 points, and I am trying to get a home mortgage! I have disputed the account through Transunion - again. Neither XXXX nor XXXX XXXX XXXX will acknowledge the error, with each pointing to the other saying they are not responsible. I have never owed XXXX money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: FL

Complaint narrative:
It's not my account. 
I never applied for this company. I think, that somebody used my personal information and applied for 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 2019-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
COMMONWEALTH FINANCIAL D63764 {$980.00} XX/XX/2019 This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel

Company response to consumer: Closed with explanation