vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-10 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: HUNTINGTON NATIONAL BANK, THE
State: IA

Complaint narrative:
When purchasing a car from XXXX XXXX XXXX on XX/XX/2019, I told the finance guy helping me that I only wanted my credit ran through one lender. I was aware that I might get a better rate from somewhere else, but I only wanted it ran once and through the lender I communicated. I never signed any paperwork about running my credit through multiple lenders. XXXX XXXX XXXX ran my credit 4 times when they were not authorized to. I only authorized them to run it once and they did not have my permission to run it multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my dispute letter to the CRA dated XX/XX/XXXX. Inaccurate Items disputed ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX ). Dispute reason : remove this account because the date of status or DOS didn't update, this irrefutable proof that no investigation was done in previous dispute 30days ago its a violation- delete immediately However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date of status or DOS didn't change/update after the investigation was done, this proves that no investigation was ever done because the date of status or DOS didn't change. DOS didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the DOS didn't change to be a current updated date as per FCRA. 
It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX   DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX  DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), DEPT OF ED/XXXX  DOS was ( XX/XX/XXXX ), DEPT OF ED/XXXX  DOS was ( XX/XX/XXXX ), DEPT OF ED/XXXX DOS was ( XX/XX/XXXX ), DEPT OF ED/XXXX DOS was ( XX/XX/XXXX ), XXXX DOS was ( XX/XX/XXXX ), XXXX DOS was ( XX/XX/XXXX ), XXXX DOS was ( XX/XX/XXXX ), XXXX  DOS was ( XX/XX/XXXX ), XXXX/XXXX XXXX XXXX was ( XX/XX/XXXX ), XXXX/XXXX XXXX XXXX was ( XX/XX/XXXX ) .After what is known as an investigation that was conducted and completed by the CRA , my dispute results from that investigation shows the DOS date didn't change/update.

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 2019-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
Set up payment arrangements directly with Collection Agency and have been paying. Had contacted collection agency about identy theft of banking information. Have had bank cards and account replaced. Bank cards replaced about 7 times, bank account 2 times. Can provide banking claims to show proof of issues of stolen information. Made a XXXX payment on XX/XX/2019, received a credit alert that collection agency had put collections account on my credit which brought my score down and the company kept asking me to pay the debt completly off and this will be removed from my credit. But if I have been paying and due to banking info being stolen repeatedly making payments of more that my payment arrangement why was this put on my account now since I have paid almost all the debt off and payments are due at the end of the month. If this is not a attempt to harm my credit and being threating I dont know what is. I am paying and this is still harming my credit file. Paid and not even 2 days later this shows up on my credit file. My original debt was at over XXXX and I only owe XXXX some dollars. Paragon Revenue never called me due to them purposely calling an alternative number when they had my direct contact number.They have lied completly about there practices and I went to court for this and they lied and not honoring there spoken recorded words, and as well as the hospital representative that uses them and know how they practice. How is these legal if I am making payment arrangements and the debt is almost completly paid down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: VA

Complaint narrative:
Short version. XXXX XXXX is harassing me for a debt that exists due to their error and I was told years ago that it was cleared. 

In this statement, 'they ' is XXXX XXXX and/or XXXX XXXX unless otherwise specified. 
All information is to the best of my knowledge. 
Proof of the company 's failure to properly file with Medicaid is available from Medicaid. Both XXXX and Medicaid have information regarding the incident on file. 

Back in XXXX, I went to XXXX XXXX for a medical problem related to my XXXX. They incorrectly filed with Medicaid and were initially denied. I spent time on the phone with both XXXX XXXX  and Medicaid to fix this. By the time my daughter was born everything was supposedly fixed. 
Since then I've received mail about the amount and every year I've repeated what they told me in XXXX until they stopped in XXXX. They admitted the debt was covered by Medicaid and by their admission they didn't file with Medicaid until 7 months after. They also did not have the proper date on the filing. This information was repeated at my XXXX visit and I was told, " Just pay it to save time. '' This year ( XXXX ) I went to use their services and was denied because of this supposed debt. So I went through XXXX  to try and settle it. Instead I received mail from XXXX XXXX that I needed to stop the dispute and pay them. There was mention of contacting police. The letters felt like a threat and I did not respond because XXXX was clear that all dispute related discussion was to take place through XXXX. 
Today ( XX/XX/XXXX ) I received a notice that XXXX, without any official correspondence from XXXX XXXX or XXXX XXXX, found in their favor. This doesn't make sense as the only updates I received were that XXXX XXXX had not yet responded. 
They're trying to make me pay for their mistake and I'd like some help. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ballybunion Enterprises, Inc
State: CA

Complaint narrative:
Good Day, I'm submitting this complaint in regards to a account that I had with Freedom Acceptance Corporation which had a balance on the account and was sent to another company called XXXX. The Balance at the time of the Charge off XX/XX/XXXX was XXXX  and when looking on my credit report I was a balance of XXXX. I received as notice from XXXX in XX/XX/XXXX with a balance of XXXX. I contact XXXX on XX/XX/XXXX and talked with a rep that told me my account was back with Freedom Acceptance Corporation. I asked them for a Date they didn't have one. And I then called Freedom Acceptance Corporation and was informed by them that my account was still with XXXX. It's seems that I'm getting the wrap around with what is going. I started making these calls at XXXXXXXX XXXX  P.S.T. on XX/XX/XXXX and still don't have any resolution on where to go next. I have not received a summary judgement from a court or Judaical system stating the balance of 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 2019-06-10 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2019-06-10 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: Freedom Mortgage Company
State: MD

Complaint narrative:
Account has been paid off since XXXX of this year but its still reporting on my credit and 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 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
This loan is for an auto that has been disputed several times with XXXX I dont feel this should be on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: NC

Complaint narrative:
Experian re-reported a deleted account from XXXX XXXX XXXX XXXX, however I was not notified within 5 business days of the reinsertion. XXXX   deleted the same account and was never reinserted. It is important to delete the account from my Experian credit file to show accuracy. This inaccuracy ruining my credit file. Pursuant to the FAIR CREDIT REPORTING ACT, PLEASE COMPLETE THE REMOVAL WITHIN 30 DAYS.

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 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
These accounts do not belong to me. Please review the attached documentation.

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 2019-06-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/2019 at approxitmley XXXX, a gentlemens that only identified himself as XXXX call my work phone number. I explained to him that he should not be calling me at work and he indicated that he didnt have any other phone number for me ( untrue ). I ended the call as I was in a meeting and he subsequently called my cell phone and then my work phone again within a matter is minutes. 

The debt belongs to my son. However, I did co-sign his loan. 

My son has XXXX XXXX  issue after a susicide at his school and had to take a XXXX XXXX XXXX XXXX. He called to request a hardship defferment from Wells Fargo and was told that he needed to make a payment first and then they may grant him a 6 month deferral. When he tried again to explain his finical sistuation, they failed to offer him any other options. 

The loan was charged off and it was brought to my attention when it hit my credit report. I then called Wells Fargo to complain and was told I sign a contract and there was nothing further they would do. The Representative I spoke with was very unprofessional and raised his voice often. I explained that my goal was to resolve this debt and the representive said there was nothing more they would do.

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 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
Contacted a representative on XX/XX/XXXX regarding a letter received about a bill previously paid more than 2.5 years earlier. Informed rep bill from XX/XX/XXXX was paid in full on XX/XX/XXXX, confirmed by their records. Asked for explanation why adjustment was made on account that created new balance as of XX/XX/XXXX. Rep could not explain, advised to contact insurance. I stated wanted to dispute balance while reviewing with insurance, rep said to send letter but I declined as the letter received stated could call to dispute. Rep stated she would note file, then Rep disconnected call. Received new letter and contacted again on XX/XX/XXXX. Reviewed entire situation again with " XXXX ''. She advised I would need to send EOB showing balance paid, after I asked for explanation why there is a balance after it was paid 2.5 years ago. She could not answer, became patronizing, then hung up the call without providing requested information. 
HRRG continues to call daily despite efforts to inform them this is an administrative issue where I have the documentation that the bill was paid over 2 years ago.

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 2019-06-10 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: ERC
State: TX

Complaint narrative:
Enhanced recovery is trying to collect on another account that does not belong to me XXXX. This is not a duplecate account, this is a dispute on another account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I attached a copy of the letter for the complaint since it was already typed up. 
Bank of America sold the mortgage to XXXX and charged off the HELOC. Therefore, Bank of America should have reported both in 2014. How can Bank of America and XXXX report the very same account of {$52000.00} to the credit bureau? It shows as two different loans in the amount of {$52000.00} but it is one and the same account that two different companies are claiming.

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 2019-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
There was an account opened with Chase Bank fraudulently and I did not know that it was opened and it carries debt. I did not approve of this account and it is a result of fraud and identity theft. I should not be responsible for something I didnt do. I ask that Chase do their due diligence and investigate this account and provide information about what is going on and erase this from my profile and not hold me, XXXX XXXX liable for this fraudulent account. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX and my number is XXXX. Pleas and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act and HIPPA Law : 1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state. 
5. Copy of HIPPA form to collect 3rd party

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 2019-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I attended XXXX XXXX Online College ( XXXX ) from XX/XX/XXXX-XX/XX/XXXX. Upon enrolling, I was told by my financial advisor that the school was 100 % accredited only to find out 5 years later it wasn't. A few months before graduating, I received a letter stating the school was closing. I tried to enroll into another school to further my education, but was informed the majority of my credits would not be accepted. I have acquired nearly {$30000.00} in student loan debt and I cant further my education because the school was not fully accredited. I have not been able to obtain a job in the field I studied nor have I been able to afford {$300.00} per month for repayment. My student loans have had a tremendous negative impact on my life giving that I was promised job placement and it never occured. I would gladly appreciate any information that you can give me on if I am eligible for a student discharge. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen ismay mortgage holder. They transferred all their clients to XXXX XXXX who does not accept my payments thru the system. I have until the XXXX to pay the mortgage but both ayatemaare not working. I have called all the numbers listed in their website and nothing. I need assistance in getting through them.

Company response to consumer: Closed with explanation