vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX  HOSPITAL - Account : XXXX Creditor : XXXX BLANK ) - Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay this creditor.

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 2020-02-05 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Hello I have a closed mortgage on my credit report. Its reporting late. I was never late the company said that It will remain late because its closed. I told them my mortgage was automatacly been deducted. I reaally need my credit showing postive. With all the goodness in your heart. I XXXX  both of my XXXX  in a truck accident. I XXXX  XXXX  for a living. I really need these lates removed I dont understand. Please godbless you and your family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: FL

Complaint narrative:
On XX/XX/2020 I received a call from ERC in XXXX, La. The first caller asked if I was me then told me to hold because there was someone who wanted to discuss a business matter. I own three businesses. The next person attempted to get my personal information and I asked the nature of the call and they kept reciting it was a personal business matter. Never once would they disclose the specifics even after I asked for them 3 times. I ended the call by stating you have to disclose who you are before asking for information and not to contact me again. I am in a debt settlement program and they arent to call me anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: CA

Complaint narrative:
XXXX was open around XX/XX/XXXX without my knowledge. Amount of {$6400.00} XXXX XXXX XXXX Account Number XXXX open XX/XX/XXXX Amount {$750.00} XXXX CARD OPEN XXXX XX/XX/XXXX BAL $ XXXX BAL {$2300.00} XXXX XXXX # XXXX XXXX dated XX/XX/XXXX {$2400.00} XXXX XXXX XXXX OPEN DATE XX/XX/XXXX BAL {$15000.00} I submitted my FTC report and XXXX written letter stating I was a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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:
XXXX was open around XX/XX/XXXX without my knowledge. Amount of {$6400.00} XXXX XXXX XXXX Account Number XXXX open XX/XX/XXXX Amount {$750.00} XXXX CARD OPEN XXXX XX/XX/XXXX BAL $ XXXX BAL {$2300.00} XXXX XXXX # XXXX XXXX dated XX/XX/XXXX {$2400.00} XXXX XXXX XXXX OPEN DATE XX/XX/XXXX BAL {$15000.00} I submitted my FTC report and a written letter stating I was a victim of Identity theft.

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 2020-02-05 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: NC

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX HOSPITAL - Account : XXXX Creditor : ( BLANK ) - Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2020-02-05 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: NC

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX**** Creditor : XXXX XXXX Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX Account : XXXX**** Creditor : XXXX XXXX - Account : XXXX* Creditor : ( BLANK ) - Account : XXXX**** Creditor : XXXX XXXX XXXX Account : XXXX**** This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: TX

Complaint narrative:
remove the fair debt violatIons ATTACH ARE FTC VIOLATIONS UNFAIR LENDING PRACTICES VIOLATIONS

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 2020-02-05 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: ERC
State: TX

Complaint narrative:
remove the fair debt violatIons ATTACH ARE FTC VIOLATIONS UNFAIR LENDING PRACTICES VIOLATIONS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
On XX/XX/2019 Midwest Recovery Systems XXXX opened an account that has my current balance at {$220.00}. I have no clue who this collector is, nor have never received any mail notification. I tried calling and they had an automated system. I assume I have been scammed. 

On XX/XX/2019 XXXX  opened an account that has my current balance at {$160.00}. I have no clue who this collector is, nor have never received any mail notification. I tried calling and they had an automated system. I assume I have been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: Nair & Levin, P.C.
State: CT

Complaint narrative:
I sent a cease & desist letter to Nair & Levin P.C. and want to report it to the CFPB as well so that there is a visible record online. I do owe XXXX XXXX XXXX file # XXXX {$350.00} in which this week I will start making payments toward that amount due. There was a simple mix up in my health insurance coverage and I did not realize that there is in fact the outstanding {$350.00} due. However, Nair & Levin are not the original creditor and I do not wish to work with them in any capacity. I am publicly requesting that they cease & desist from all related matters concerning this debt. This includes any reporting that Nair & Levin may have done to the 3 majors credit bureaus XXXX, XXXX, and XXXX. If they have done any reporting I want it removed by them a/s/a/p. I have every intention of paying XXXX XXXX XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter along with my identity theft report that explains that I am a victim of identity theft and that there were accounts ( XXXX  XXXX XXXX XXXX {$3700.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX  {$0.00} ) appearing on my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the account ( s ) until I pulled my credit reports for review. I've asked this credit bureau to remove the fraudulent item ( s ) from my credit file and requested that they send me an updated copy showing the correction. As of today, the item is still reporting, affecting my credit. It would be of great pleasure if CFPB would assist me in resolve of this matter. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have been working with Loancare regarding loss mitigation options to save my home. I have submitted all requested documents in a timely manner. On XX/XX/2020 I was informed by a representative named XXXX that my application was deemed complete and was now in active review with underwriting pending a decision. I requested that my sale date currently scheduled for XX/XX/2020 be postponed due to this active review and I was told the sale will not be postponed and will only be postponed if I am approved for any options. This is causing more stress to me as now I am sitting on pins and needles awaiting a decision which they informed me would be by XX/XX/2020. That only gives me 3 days to prepare in the event I am denied for any options. I believe this is a form of dual tracking which violates my Homeowner Bill of Rights. Loancare has never reached out to me nor offered me any assistance before they started the foreclosure process, I have had to initiate contact to find out my options. Additionally, I have no single point of contact assigned to my file nor have I ever been provided of any information regarding a point of contact with Loancare.

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 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
communicated with the company XX/XX/19 - XX/XX/19 - Sent in affidavit of proof that it was not be that opened the account with a police report. Since then the company has not sent an responding information. Macys - Fraud Investigation Department XXXX XXXX XXXX XXXX XXXX, OH XXXX Account number ending in - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX USA ( XXXX ) XXXX ( This account is reporting paid off but this is not my account, I have never attend school here. ) I have never went and opened any account with this bank. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX The following I have never applied for. I Did not give any person or person of that company permission to run my credit. These inquiries are not mine. 

XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XXXX  XXXX XXXX, IA XXXX ( XXXX ) XXXX I also have filed a police report with XXXX Police department XXXX Report number 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 2020-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I made my payments on time every month up until my XXXX issues and place of employment got worse .... I was terminated for reduction and it was out of the blue but work was slowing down so I reached out to Wells Fargo about the slowdown and not working and applied for a refinance 4 or 5 times even applied 15 months after I purchased the car with a better credit score then when I bought the car ... .. they approved me for a loan of 25 k or so and my credit score was XXXX so shocked me but then 15 months later my score was XXXX and I applied for the refinance and denied fast .... when I lost my job XX/XX/2019 I applied 3 more times for a refinance that would have took my payment from XXXX to XXXX would have saved my car and my credit by approving this with a better credit score then when I purchased first time ... .. I  missed every payment for 4 or 5 months because I could only afford rent and food I have XXXX boys as well so at the last attempt to apply for a hardship refi I got approval but only if I pay XXXX then I pay XXXX and had one day to pay it!!!! I couldnt pay so they took 3 months to repo my car and Im still waiting for a call back from a lady who works with ceo of company and they sold my car for XXXX and I owed XXXX left so they sent me a bill for almost 6 k ....???? Im beyond furious and cant wait till XXXX is over and my current lawsuit is over with because of work injury that Wells Fargo knee about and still took my car and denied every attempt for refi?? 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 explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
XX/XX/XXXX I traded my lease vehicle for a new car, the auto dealer purchased the lease vehicle. The final full pay off was posted to my account on XX/XX/XXXX in the amount of {$23000.00} and based on my final payment record left a Credit Balance of {$35.00}, additionally I received a letter dated XX/XX/XXXX that my lease is considered " satisfied in full ''. As of date and today call, KIA lease still shows my account open and has yet to disperse the {$35.00} credit balance, after calls back in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have been told that it takes 90 days from the date of final payment to close the account, on one call I was told that it took only 30 days form the date the final payment posted, either way I have yet to receive the {$35.00} credit balance. 

Second, I reside in the State of Virginia ( VA ), I am responsible for the vehicle tags and their cost, upon selling the lease to the dealer I turned in my tags to the department of motor vehicle ( DMV ) on XX/XX/XXXX, the VA DMV mailed the reimbursement to my home address on XX/XX/XXXX however made the check payable to KIA Lease ( Hyundai Lease Title Trust ) in the amount of {$74.00}, I immediately took the check back to my local DMV office who in-turn mailed the check to KIA Lease, again I gave KIA lease until XX/XX/XXXX to reimburse me, my call in XX/XX/XXXX yeilded no answer, my call at the end of XX/XX/XXXX was told they had a check but had not mailed it out, my call as of today XX/XX/XXXX was told that the check for {$74.00} was mailed out on XX/XX/XXXX. 

I asked as to the other information again as noted in my first paragraph as to the account and the {$35.00} credit balance, I was told today XX/XX/XXXX they see no record of a credit balance and that they could send an e-mail but that would take another 4-5 days for an answer. 

I just want to ensure that no once else has these issues, as an consumer I am expected to pay my account on a certain day and I met that, I was never late, however KIA Fiance seems to be able to hold onto a consumers refund until they determine it is OK to release. 

Please find out why my account is not closed, why I can see a credit balance which has not been dispersed and why they also held on a refund that they never were responsible for. 

Thank you XXXX 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 2020-02-05 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter along with my identity theft report that explains that I am a victim of identity theft and that there were accounts ( XXXX  XXXX XXXX XXXX {$3700.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00} ) appearing on my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the account ( s ) until I pulled my credit reports for review. I've asked this credit bureau to remove the fraudulent item ( s ) from my credit file and requested that they send me an updated copy showing the correction. As of today, the item is still reporting, affecting my credit. It would be of great pleasure if CFPB would assist me in resolve of this matter. Thanks.

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 2020-02-05 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: SC

Complaint narrative:
On XXXX XXXX I sent a letter along with my identity theft report that explains that I am a victim of identity theft and that there were accounts ( XXXX  XXXX XXXX XXXX {$3700.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX  {$0.00} ) appearing on my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the account ( s ) until I pulled my credit reports for review. I've asked this credit bureau to remove the fraudulent item ( s ) from my credit file and requested that they send me an updated copy showing the correction. As of today, the item is still reporting, affecting my credit. It would be of great pleasure if CFPB would assist me in resolve of this matter. Thanks.

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 2020-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
HRRG calls repeatedly, several times an hour, but spoof their calls. Calls look like they're being placed by XXXX XXXX, XXXX, XXXX, XXXX, XXXX, etc ... .. 
If you want me to pick up the phone, you may want to be honest about where your calling from.

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