vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arbor Professional Solutions, Inc.
State: OH

Complaint narrative:
Upon checking my credit file, I noticed that I have two accounts listed on my trade lines from Arbor Professional Solutions. The fair credit reporting act requires that debt collection agencies give consumers the right to dispute any alleged debt and the company are required to validate the debt ... this company did neither I never received the right to dispute this account nor have I received any correspondence in the mail regarding this account. By law this account should not be listed on my trade lines

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I checked my credit and saw an account from PHOENIX FINANCIAL SERVICES for  XXXX  Hospital in the amount of {$100.00}. Please be advised this debt reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a vagrant and needed financial assistance. 

PHOENIX FINANCIAL SERVICES did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPPA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against PHOENIX FINANCIAL SERVICES should this item not be deleted within the required time allowed by law. 

PHOENIX FINANCIAL SERVICES is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX  and XXXX as well, since they are incorrectly reporting this debt, too. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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:
I owed a medical bill to XXXX XXXX and they sent to collection agency. The amount owed was XXXX and collection agency continually increasing the amount and reporting on credit report and I made a payment to them for the bill and was not shown on credit report and did not apply toward bill. I just paid directly to XXXX XXXX the remaining balance minus the money already paid to collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Despite submitting factual materials, Citi suppressed this evidence and allowed the merchant to get the money I was fraudulently charged thereby letting the merchant get away with a scam perpetrated on 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 explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
Payment issues with PHH mortgage. There stating were months behind and I have proof that payments have been made. I believe they have not applied payment appropriately and they are and have been giving us the run around now they have disabled my online account and Im unable to see my account and payment history. Also they will not let me make a payment on my loan. We have been told and emailed so many lies that I am wanting to pursue a lawsuit. I would not recommend this company to anyone Ive gone thru sleepless nights and medical issues related to all this besides our credit. They will not hear the end of me until they get what they deserve another lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation
State: CA

Complaint narrative:
In and around XX/XX/XXXX of 2020 I received a television as an annonomys gift, I figured it was from one of my vendors from work. shortly thereafter I realize my account with XXXX XXXX  is in suspense. I wasn't sure why, then I receive documentation from a company called telecheck telling me I owe two separate amounts, one for {$650.00} ad one for XXXX. I called XXXX and they told me that they do not know anything about this and I have to call the collector, I called the collector and they said they cant give me any information but asked for my banking information and then to fax my account and routing number to them. I have no idea who tele check is and I asked them to please send me more information and they refused. I am thinking I have identity theft but I do not wasn't to g through the trouble to freeze everything until I verify, I have had theft in the past but not through XXXX, the person I spoke with would not give me an employee ID number, there is also an address on my XXXX XXXX account that is not tied to me or anywhere I have ever resided, I have no idea why its on the account I asked them to remove and they said they are investigating, I can not remove through the website

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
phh voiolations : race or color. national origin. religion. sex. marital status. age. * applicant 's receipt of income from a public assistance program. applicant 's exercise, in good faith, of any right under the Consumer Credit Protection Act. 
please remove the unlawful lates. 

XXXX  : XXXX Is Facing a {$100.00} XXXX Lawsuit Over Its Service Plan. ... The state isn't suing XXXX for bad customer service per se, but for the sorts of misleading claims and practices that have given XXXX such a poor public image. ( XXXX XXXX Exchange programs ; filing of information and other materials ; filing fees ; unlawful acts in connection with an exchange program. 

XXXX Provisions requiring purchase or lease of timeshare property by owners ' association or purchasers ; validity. 
XXXX  XXXX 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 2020-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company illegally procured me a motor vehicle financing loan without a license. They did this for the entire loan they also contracted with a towing company who's business was tax forfeitures and did not have a non consent towing license

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 2020-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NV

Complaint narrative:
i suspect this company took off with the money that was owed to XXXX  XXXX XXXX. and no im left with a debt.

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 2020-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX listed a debt of {$680.00} on my credit report, saying the account was opened on XX/XX/2019. I have not been in the hospital in years and even if so, I have insurance that covers 100 %. This debt is not mine and this company needs to remove this IMMEDIATELY. This happens all too often with this company. They also sent NO correspondance regarding this fraudulent debt, another violation of the FDCRA. I knew nothing of the mistake to even dispute it before they just popped it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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:
XXXX  voiolations : race or color. national origin. religion. sex. marital status. age. * applicant 's receipt of income from a public assistance program. applicant 's exercise, in good faith, of any right under the Consumer Credit Protection Act. 
please remove the unlawful lates. 

XXXX  : XXXX Is Facing a {$100.00} XXXX Lawsuit Over Its Service Plan. ... The state isn't suing XXXX for bad customer service per se, but for the sorts of misleading claims and practices that have given XXXX such a poor public image. ( XXXX 721.18 Exchange programs ; filing of information and other materials ; filing fees ; unlawful acts in connection with an exchange program. 

721.19 Provisions requiring purchase or lease of timeshare property by owners ' association or purchasers ; validity. 
XXXX  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 2020-02-09 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I've had a situation in the past with financial problems during the separation of my family and i had no access to a lot of things in the process, including my mail and certain credit cards i had in my possession.. The card was a secured card for {$300.00}, in which Wells Fargo rendered the security deposit, but added more than 150 dollars in late fees after taking the XXXX i put down to receive the card.. i had no idea about it i even went to the bank and they told me that " they took the {$300.00} deposit so the account is closed no worries! i took it as that. i have had 2 companies try to help me because my credit is great but i cant get a place to live so i can gain XXXX  XXXX  of my son because of the {$160.00} late fees they have on my file and WONT REMOVE!!!!!!!! i need help please .././././.

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 2020-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo would not allow me to pay my loan with my XXXX Checking account online. I tried to make the payments with checks and they never processed those. I called Wells Fargo and told them of this issue an they stated they would launch an investigation. While they were " investigating '' they said my checking account was a credit crd and then they reported delinquency on my credit report stating that I never bothered to make payments. This information is false as I had reached out to them numerous times and every person I talked to was " unable '' to help me. The missed payments is an error on their end and I should not have to bear a horrendous credit score because they refuse to correct their own mistakes. 

The response to my first formal complaint was ridiculous. They never sent me any letters. They do not send certified mail, therefore they can not prove that they sent me anything. Furthermore, they did not address their failure to log in the numerous calls that I have made when I tried to get the issues resolved in XXXX. This is there doing and I want every person that I have spoken to fired.

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 2020-02-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've had a situation in the past with financial problems during the separation of my family and i had no access to a lot of things in the process, including my mail and certain credit cards i had in my possession.. The card was a secured card for {$300.00}, in which XXXX XXXX rendered the security deposit, but added more than 150 dollars in late fees after taking the XXXX i put down to receive the card.. i had no idea about it i even went to the bank and they told me that " they took the {$300.00} deposit so the account is closed no worries! i took it as that. i have had 2 companies try to help me because my credit is great but i cant get a place to live so i can gain XXXX  XXXX  of my son because of the {$160.00} late fees they have on my file and WONT REMOVE!!!!!!!! i need help please .././././.

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 2020-02-09 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: NJ

Complaint narrative:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LIKE THEM TO BE REMOVED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: NJ

Complaint narrative:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LIKE THEM TO BE REMOVED OFF MY CREDIT 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 explanation
Consumer complaint received 2020-02-09 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: NJ

Complaint narrative:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LIKE THEM TO BE REMOVED OFF MY CREDIT 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 2020-02-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-02-09 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: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY 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 2020-02-09 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT 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 explanation
Consumer complaint received 2020-02-09 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY 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 explanation
Consumer complaint received 2020-02-09 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation