vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-31 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: CO

Complaint narrative:
A negative collections flag appeared XXXX XXXX on my account from XXXX XXXX group. I happened to be getting married, so I was not paying attention to my phone at the time. Once we got back around XX/XX/XXXX, we found that my account was still flagged and had lowered my score 121 points. On XXXX XXXX I called XXXX using my free credit service with Experian to see what was going on. They recommended calling XXXX XXXX XXXX. I called XXXX XXXX XXXX  that same day and gave them my information to find out what kind of collections I owed. They could not find my name in their database and told me to submit a dispute. I submitted a dispute to Experian XXXX XX/XX/2019. I didn't hear back about the results until XXXX XX/XX/2019. Experian said the collections was legitimate even though I knew it wasn't from a basic call. I am now trying to submit a complaint in order to get this dispute resolved. I also checked XXXX and found the same collections had made its way there and I just submitted a dispute with them XXXX XX/XX/2019. I've had to do this before and know that it will take 30   days, and then require another complaint to CFPB. If there was anyway that I could take care of both credit agencies without having to wait so long that would be a lifesaver since we've been trying to find a place to move.

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 2019-07-31 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX 2012, {$XXXX} This account was paid and closed and was originally reported inaccurate.

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 2019-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capio Partners, LLC
State: NV

Complaint narrative:
On XX/XX/19 at approx. XXXX PST, I, XXXX XXXX XXXX called Capio Partners in an attempt to settle the account # XXXX ( Ref # XXXX, XXXX XXXX, Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After my personal data confirming information, the girl on the phone didn't accept my offer for XXXX, as I informed her I had been ill and could not pay the full amount. She said they may take XXXX  %. I requested this in writing with a Pay to Delete Settlement in writing. She emphatically informed me in no uncertain terms that my request for a Pay to Delete Settlement notice in writing for an agreed amount would NOT be sent out prior to the account FIRST being paid. When I was confirming that she was denying this process, she got snotty and here tone got very nasty. I asked again, for personal clarification, that she was denying me this process. I asked her if she knew the law. She said she was then confusing herself but they would NOT send me this notice in writing prior to me first paying the debt. I advised her I was informed this was exactly what I needed to do PRIOR to paying any verbal agreement. She became very rude and hung up on me! Are you kidding me? I am trying to settle a debt from a hospital! 

I will contacting legal advice next. This event was rather disturbing. VERY DISTURBING!! This is abusive. I am XXXX XXXX XXXX. Shameful!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm a recent identity theft victim. Have been trying to get in contact with Equifax since Monday XX/XX/2019 in order to establish an account to freeze and unfreeze my credit file. Customer service is not helping me correct the problem. They call me back after waiting quite sometime only to transfer me back into the automated recorded loop, forcing me to wait again to speak to someone or I get told to wait 24 hours to attempt to create a password. What they're doing is wrong. 
For three days now I've been trying to establish a password for a myequifax account and nothing is being done. I'm beyond aggravated. Today is XX/XX/XXXX and I'm still fighting with this. Eight calls so far this morning alone. It's a joke to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been running consistently 1 month behind struggling to pay each month - Navient calls my phone 3 to 4 times a day leaving just a hangup - but leaves one message a day - I went over the help they can offer but they wont lower payment or interest or extend term - I have written them to cease and desist calling and just correspond by email

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: Northwest Collectors Inc.
State: IL

Complaint narrative:
Northwest Collectors INC-date of payment XX/XX/XXXX for two accounts. I paid it off. When I paid it off I was under the impression, per the conversation with the representative from this company, that the collection would be off my report once I paid it in full. Discovered this was still on my credit on XX/XX/XXXX. I complained to the company on XX/XX/XXXX and called again on XX/XX/XXXX and asked to speak with a supervisor and was transferred to XXXX who said she was the highest supervisor I could speak to. While she was not extremely rude, she did cut me off and over talk me several times. Regardless of what her answer was, she could have waited for me to finish talking. I was told the policy, but also explained that again, per my payment and interaction 2 years ago with the representative that this would be removed off my credit. I filed a dispute with XXXX on XX/XX/XXXX. The results of the dispute were that 1 account was deleted, but the other still remains as of XX/XX/XXXX. Both accounts were paid on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: FL

Complaint narrative:
I Did Not Authorize These Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Please see CFPB complaint XXXX which has been closed and still unresolved with Ditech. The letter that you received from Ditech is a total lie. I have received NOTHING from Ditech except 2 certified collection letters on XX/XX/2019 and 2 of the same in direct mail threatening foreclosure. They HAVE NOT posted my {$15000.00} as a payoff and still show that I owe over {$12000.00} as a balance on the account with them. They have stolen from me for 19 years including collecting mobile home insurance payments that they did not forward to my insurance company and that I again had to come out of pocket to pay to keep my insurance from lapsing. I have my payment history from my insurance company and DItech showing that they collected ins. payments for a year and 4  months and did not pay my insurance with it. The title that they sent to you IS NOT released and these papers that they sent to you are JUST COPIES of my original contract and NOTHING more. They refuse to talk to me and have NEVER tried to to the right thing regarding this settlement agreement. THEY STILL are fraudulent pulling the wool over your eyes as they have always done to me and many many others customers who are filing suit against them as well. The whole company is nothing more then a bunch of crooks who has stolen my life savings from me this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 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: IL

Complaint narrative:
CRA is erroneously reporting several items on my credit report file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: IL

Complaint narrative:
CRA is erroneously reporting several items on my credit report file.

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 2019-07-31 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: CO

Complaint narrative:
A negative collections flag appeared XXXX XXXX on my account from XXXX XXXX XXXX. I happened to be getting married, so I was not paying attention to my phone at the time. Once we got back around XX/XX/XXXX, we found that my account was still flagged and had lowered my score 121 points. On XXXX XXXX I called XXXX using my free credit service with XXXX to see what was going on. They recommended calling XXXX XXXX XXXX. I called XXXX XXXX XXXX  that same day and gave them my information to find out what kind of collections I owed. They could not find my name in their database and told me to submit a dispute. I submitted a dispute to XXXX XXXX XX/XX/2019. I didn't hear back about the results until XXXX XX/XX/2019. XXXX said the collections was legitimate even though I knew it wasn't from a basic call. I am now trying to submit a complaint in order to get this dispute resolved. I also checked Equifax and found the same collections had made its way there and I just submitted a dispute with them XXXX XX/XX/2019. I've had to do this before and know that it will take 30   days, and then require another complaint to CFPB. If there was anyway that I could take care of both credit agencies without having to wait so long that would be a lifesaver since we've been trying to find a place to move.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
Unauthorized credit inquiry by Mariner Finance on XX/XX/2019 Unauthorized credit inquiry by Mariner Finance in XX/XX/2019 I have no business with the above company and have not tried obtaining any loans or so lately

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 2019-07-31 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: FL

Complaint narrative:
I am a victim of Identity theft. And incorrect information is showing on my credit report. The fraudulent account from XXXX XXXX XXXX is still on my credit file in the amount of {$850.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
XX/XX/19 : Received email notice that Citicards is no longer partnering with XXXX ; the notice states that my XXXX Citicard will no longer be valid after XX/XX/19 ( this is prior to the maturity on my credit card ). 

XX/XX/19 : Chat with Citicards ; asked if my Rewards would be honored. 
I have earned {$280.00} using this card. Was told that rewards would not be paid because the card is closing. Asked for their complaint department ; was told the only way to file a complaint is to send it in writing. I was given an address. 

XX/XX/19 : Logged into Citicards ; it is still showing how I can earn cash back on my purchases. My reward of {$280.00} is still listed.

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 2019-07-31 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:
I Did Not Authorize These Accounts

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 2019-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Complete Credit Solutions, Inc.
State: AL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Complete Credit Solutions {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: NC

Complaint narrative:
Requested removal of negative item from report. I sent in proof that i was no longer responsible. They sent a letter saying deleted. Then they put it back on. I sent another letter with supporting documents, and they said verified. And refused to remove. The letter is from the collection agency. ( Letter is attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX. I'm disputing this compliant because I applied to an apartment and I was denied because of inaccurate information on my credit file. I am a XXXX  sister  and i have been having a lot of problems with my credit. My XXXX name is XXXX XXXX XXXX SS # XXXX. 
( Report ID # XXXX ). XXXX XXXX XXXX ( XXXX ). 

1.I am disputing Navy Federal . I only have a debit card, and never had a charge off with them. Date XX/XX/16. Amount {$9500.00}. 
2. XXXX  XXXX I am disputing - I have never had an account with them. Amount {$410.00} 3. XXXX XXXX- I am disputing because i never had an account with them. Amount {$650.00}. 
4. XXXX XXXX XXXX Card- I am disputing I never had an account with them. 
Amount {$250.00} I am also disputing the inquires on my account from XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX Card. 
Please forward correspondence to my address at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I got a reverse mortgage in approximately XX/XX/2006. I can't state that I was informed about the taxes I am not sure. Champion Mortgage now has the loan and I would pay the taxes then I would make payments to repay the amount. They are charging me for homeowners when I have been paying homeowners since I bought the home. I have informed Champion and I am sure that a lot of what they are trying to foreclose on is the insurance. No one there took any interest in what I had to say. I am XXXX and need help. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I received a voicemail from a processing office advising that a criminal complaint was being filed for fraud, attempt to de-fraud a bank, and giving false information. They also started theyd be calling my employer and my supervisor to tell them I defrauded a bank and gave false information all over a payday loan for {$250.00} that was discharged in my bankruptcy last month. I told them multiple times that I had listed this in my bankruptcy and they kept saying that payday loans are dischargable debts bc they arent approved based on credit, so therefore they arent dischargable. It was very stressful until I realized it was a debt collector. Whats worse is that they left the SAME message and 2 of my family members phones making it sound like I was in huge trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
1. XXXX ( XXXX XXXX XXXX ) 2. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 3. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) 4. XXXX XXXX ( XXXX XXXX XXXX ) 5. XXXX XXXX ( XXXX XXXX XXXX ) 6. XXXX XXXX ( XXXX XXXX XXXX ) 7. XXXX XXXX ( XXXX XXXX XXXX ) 8. XXXX ( XXXX XXXX XXXX ) 9. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 10. XXXX XXXX ( XXXX XXXX XXXX ) 11. XXXX XXXX ( XXXX XXXX XXXX ) 12. XXXX XXXX ( XXXX XXXX XXXX ) 13. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 14. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 15. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 16. XXXX XXXX ( XXXX XXXX XXXX ) 17. XXXX XXXX ( XXXX XXXX XXXX ) 18. XXXX XXXX ( XXXX XXXX XXXX ) 19. XXXX XXXX ( XXXX XXXX XXXX ) 20. XXXX XXXX ( XXXX XXXX XXXX ) 21. XXXX ( XXXX XXXX XXXX ) 22. XXXX ( XXXX XXXX XXXX ) 23. XXXX XXXX ( XXXX XXXX XXXX 24. XXXX XXXX ( XXXX XXXX XXXX ) 25. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 26. XXXX XXXX ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc.
State: WI

Complaint narrative:
The dispute is with the collection agency Payliance. Original creditor name XXXX XXXX XXXX. Date assigned-XX/XX/XXXX original amount owed- {$28.00} Amount now- {$40.00} as of XX/XX/XXXX. Status on my credit report is UNPAID. Account Designator Code-INDIVIDUAL ACCOUNT. Creditor Classification-Retail. Comments listed in my credit report, Returned Check.

The second account disputed is with the same company. Date assigned-XX/XX/XXXX. Original amount owed- {$36.00}. Amount- {$40.00}. Status date same as above as well as account Status-UNPAID. Account Designator Code same as first account and so is the Creditor Classification. Comments also the same- Returned Check.

I have tried contacting these people a couple years back and explained that these accounts are not mine. They are the result of my ex-boyfriend 's. I also filed a dispute through XXXX  regarding the accounts, and for about a year and a half these accounts disappeared off my credit report. Now for the last year about, they have returned to my credit report only on my XXXX  in the Derogatory section. They are not listed on my XXXX  anywhere. I do not know what else to do. I was told by someone at Payliance that this would be removed and the matter was resolved. Which it appeared for a short time that it was. I do not know how else to handle this. I understand that the accounts are in total only {$80.00}. I have been told I should just pay them and get it over with. But I feel like I am admitting that I have done something wrong. I have had other delinquent accounts in my ex-boyfriend 's name somehow end up on my credit report. This was with XXXX XXXX XXXX for a utility bill for his home in his name and some how it ended up on my credit report as a delinquent account. I filled a dispute and within 6 months those two accounts were removed and have never reappeared. I hope someone can help me resolve this issue once and for all. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation