vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
the following accounts ( credit cards ) XXXX XXXX and a XXXX XXXX, are reporting inaccurate late payments for which i disputed and they have sent me the letters ( hence attached ) but the bureau are not cooperating and not updating their data base to have not late payments, i have also attached the letters received by both creditors for which they have approved to remove this inaccuracy but the bureaus are not trying to cooperate in this matter, please have them to remove and update my credit reports. 
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 non-monetary relief
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Common Wealth Financial on XX/XX/18. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to  protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
On XX/XX/2018 my mother was contacted by Sun Loans as they were trying to contact me. Sun Loans asked her if she would be able to get a message to me. She asked what this is regarding. Sun Loans told my mother that I was past due on my payments. My mother asked what the balance is on the loan. She was told {$240.00}. My mother began asking questions about the loan and the balance due. She stated that she knew the company had garnished my wages and she didn't believe the balance should be that high. She thought it should be down around {$100.00}. She was told that the account had continued to accrue fees and late charges after the garnishment was stopped due to me no longer being employed with the employer. She was told my account is more than 60 days past due and in danger of legal action. My mother is not on the loan and none of the particulars of my situation should have been discussed with my mother. She should not have been given my balance or my credit information. My mother did end up paying off the loan during the call. She asked for the confirmation letter to be mailed to her as she made the payment. Sun Loans refused to mail her the letter even though she made the payment. They asked her to relay to me to give them a call to update my address so they could mail the necessary documents, payoff and payment confirmation, to me. My mother was never asked to verify her identity or my identity during the call. My private information was released without questions. When she asked them why they would release my private information and how did they even know who they were speaking with, XXXX, the manager with  Sun Loans in XXXX Illinois, said they have access to public information and knew they were talking to my mother. She told them they may know they called my mother 's number but they have no way of knowing who they were speaking with as they asked no questions about me in order to verify her identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2018 I was on the website XXXX attempting to access my yearly free reports. I was able to obtain the XXXX  Report with no problem. When accessing the Experian/XXXX systems, the screen froze. I was only able to hit the back button, it was indicated I received both reports. I had not. I tried to log onto the system again. The system said I had already received the reports and I couldnt go any further. This glitch happened last year to me as well. I wish they would get this fixed.

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 2018-02-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I obtained a copy of my credit report on XX/XX/18 for my personal purposes of ensuring that all account entries were reporting accurately. A week later, I received a notification from my credit monitoring subscription that 2 negative account entries were reporting on my report. To my dismay, I found that these were accounts with 3rd party collection companies that had in fact been deleted from all of my credit reports previously due to the fact that these companies were unable to verify the information that they were reporting ( See attached dispute letters ). I submitted dispute letters multiple times to both of these companies which resulted in the items being deleted. See attached credit report dated XX/XX/18 where my credit reports bore no collections. These account entries must be DELETED immediately. 

Additionally, my complaint against XXXX and Equifax is that they allowed the re-insertion of these accounts on my reports and DID NOT notify me five ( 5 ) days prior to doing so which is a direct violation of my consumer rights. Further, I have received NO CORRESPONDENCE FROM XXXX XXXX OR XXXX  regarding any additional information they have to support re-inserting these entries on my credit reports. The law mandates that 3rd party collection companies have 30 days to investigate the dispute and respond with their findings. Being that they were unable to do so previously, does not mean that they are at liberty or will to reinsert these same accounts because time has passed. Blatant violation of my rights. 

Prior to hiring an FDCPA attorney for these inaccurate entries and illegal re-insertions, I am demanding that both these account entries be deleted from my XXXX  and Equifax reports immediately and that I am provided a copy of the updated reports for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: CA

Complaint narrative:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to Experian it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT of, but I have spoken with XXXX XXXX, and they have told me this is false that they have not received a thing, also I have this in writing from final.

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 2018-02-22 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: NY

Complaint narrative:
Hi I am contacting you on behalf of my XXXX  so XXXX XXXX XXXX. I keep receiving bills and calls from creditors saying that my sons owes money when I know this isn't true as my son is only XXXX old and has XXXX. His father was deported for stealing his identity as well as mine and others. Please make these companies remove my sons name from there agencies. My ex husband is taking over my identity as well as my sons I have been reporting him since 2011. My son shouldn't have anything in his name he is a child and he is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: IL

Complaint narrative:
I CONTINUED TO RECEIVED REPEATEDLY PHONE CALLS ALL THROUGH THE ENTIRE DAY AND THE CALLS WERE FROM DIFFRENT PHONE NUMBERS LISTED BELOW. 

US BANK XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX there is more dates and times repeatedly us BANK called 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 2018-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent Capital Services has placed a account on my credit report. The account is filled as XXXX XXXX on all of my credit reports. However, when I call the representive says they are with Resurgent Capital services and they are handling the account. The account is listed as originating from XXXX XXXX XXXX and opened on XX/XX/2017. I have contacted the orginal creditor, due to the fact that I have a credit card with XXXX XXXX XXXX and I am unaware of a second. I asked for all original documents pertaining to this account to be sent to me from Resurgent Capital Services/XXXX XXXX to verify the account. The process they have instructed me on is unrealistic. They want me to file a affidavit with this site, the police department, mail everything to a XXXX XXXX and await a response. However they have not given me a date of account origination or original documents as requested. All they send me is old billing statements from charges made. Which does not prove ownership. I have disputed this account in the past with XXXX XXXX XXXX and it was removed. It appears that it was then sold to this agency and they are making it extremely hard to prove this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Have been trying to cancel my monthly subscription with Experian ( https : //www.experian.com/ ) credit reporting. It's been over 4 months they have not cancelled or responded back over cancelling membership. 

I have emailed them couple of times. Called company a lot times. 
They tend to keep on hold people for cancelling subscription and never pick up or respond back. 
I was able to get in touch one time with representative but they did not cancel subscription and dropped call while in between. 

At first I thought this was because of huge traffic. After a little bit of research I found that it's the problem with everyone. Company Experian does not entertain cancelling membership subscription XXXX XXXX XXXX Complaint against experian can be found here

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 2018-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
Sent debt validation letter to Commonwealth Financial Systems XXXX XXXX XXXX, XXXX on XX/XX/2018 via USPS Certified Mail. Tracking # XXXX. Letter requested proper validation of debt and HIPAA requests. I have yet to receive any response whatsoever from the mentioned collection company and it is now past the required 30 days and I am now requesting the account be deleted and removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
XX/XX/2017 I had called about my student loan payments inquiring why they were taking {$79.00} one day of the month and XXXX $ another day. I was discussing with them my financial situation ( in terms of I want a one month payment possibly lower than the {$180.00} ) and the " loan professional '' suggested income drive based payment plan, which honestly sounded good since I was paying {$180.00} a month and I had recently lost my job. So they explained its based off the income NEVER that I was going to pay NOTHING towards my principal for almost a year. I am beyond myself, how could they not tell you " hey by the way you are only going to be paying interest are you sure you want to do this? '' I opted for auto debit therefore not looking at the breakdown until I did my taxes this year. I don't understand how they can suggest something like this when they are supposed to be helping my debt situation not making it worse. I requested a lower interest rate considering I wasted almost a year at paying interest only ( not even XXXX $ towards the principal ). How is that even a thing? I should have known better they these people are snakes but they do not teach you this stuff in high school, which is sad because hard working people like me get taken advantage of. Super frustrating and honestly sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: CA

Complaint narrative:
The disputed account is XXXX , XXXX. XXXX ACCT. NO.XXXX.A default judgment is appearing as a collection account on XXXX, TRANSUNION AND XXXX.It is appearing as a collection perhaps to avoid properly displaying as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted in recent years.In addition, the DATE OF 1ST DELINQUENCY has been re-aged, another FCRA clear violation.The DOFD coincides with the date of judgment entered ( attached court record ) which is impossible considering the nature of the debt, ie : back rent.The delinquency of the debt was many months prior to the stated DOFD.All 3 bureaus, following numerous disputes permit a false, re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT creating a loophole for the ACCURACY AND COMPLETENESS of reporting demanded by the FCRA

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 2018-02-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The disputed account is XXXX , XXXX. XXXX ACCT. NO.XXXX.A default judgment is appearing as a collection account on XXXX, XXXX AND EQUIFAX.It is appearing as a collection perhaps to avoid properly displaying as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted in recent years.In addition, the DATE OF 1ST DELINQUENCY has been re-aged, another FCRA clear violation.The DOFD coincides with the date of judgment entered ( attached court record ) which is impossible considering the nature of the debt, ie : back rent.The delinquency of the debt was many months prior to the stated DOFD.All 3 bureaus, following numerous disputes permit a false, re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT creating a loophole for the ACCURACY AND COMPLETENESS of reporting demanded by the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX RE : Dispute Charges@XXXX Account : XXXX XXXX XXXX I received a letter dated XX/XX/XXXX ( see attached ) for a charge of {$250.00}. I have no idea what this charge is for and have called several times to dispute this charge to no avail. 


XX/XX/XXXX Spoke to XXXX, gave her the details. After about 20 minutes on hold she told me it was for breaking a digital contract. I told her that I dispute the charge and I asked for proof that I signed a contract. She said she notated the account someone would call me back, no call back. 

XX/XX/XXXX XXXX Spoke to XXXX XXXX ID XXXX, said she couldnt help and transferred me to billing. Said she inputted notes into the system. ( on hold for 10 minutes ) XX/XX/XXXX XXXX Spoke to XXXX XXXX ID XXXX, said she was with retention and couldnt help me, she then transferred me to customer service. ( on hold for 10 minutes ) XX/XX/XXXX XXXX Spoke to XXXX and explained again the letter I received. She told me she could not give me her ID. She said the charge was for unlimited digital phone plan from XX/XX/XXXX to XX/XX/XXXX. I told XXXX that I formally dispute this charge and request a full credit for the disputed amount. She then transferred me to her supervisor. 

XX/XX/XXXX XXXX pm XXXX ( supervisor ) said there was an auto renewing contract and the fee to break the contract was {$200.00}. With all the surcharges and taxes on the {$200.00} it came to {$250.00}. Said she would call me back for sure on XX/XX/XXXX, never did. 

XX/XX/XXXX Received collection letter from CCS I had been a very loyal XXXX customer for almost 18 years. I respectfully request that this amount be credited to {$0.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: NY

Complaint narrative:
Hi I am contacting you on behalf of my XXXX so XXXX XXXX XXXX. I keep receiving bills and calls from creditors saying that my sons owes money when I know this isn't true as my son is only XXXXyrs old  and has XXXX. His father was deported for stealing his identity as well as mine and others. Please make these companies remove my sons name from there agencies. My ex husband is taking over my identity as well as my sons I have been reporting him since 2011. My son shouldn't have anything in his name he is a child and he is 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 2018-02-22 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: NY

Complaint narrative:
Hi I am contacting you on behalf of my XXXX so XXXX XXXX XXXX. I keep receiving bills and calls from creditors saying that my sons owes money when I know this isn't true as my son is only XXXXyrs old and has XXXX. His father was deported for stealing his identity as well as mine and others. Please make these companies remove my sons name from there agencies. My ex husband is taking over my identity as well as my sons I have been reporting him since 2011. My son shouldn't have anything in his name he is a child and he is 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