vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I got a notice in the mail about a debt for a hospital bill but this is the first time i'm seeing the notice. I contact the company to see what the debt was for and why i'm receiving this letter. The first agent name XXXX XXXX I spoke with inform me that it was a hospital bill that was not paid and I advise him that me and my family have insurance it has to be an error. I advised him that i will provide the health insurance number but he refuse to take the number instead he advised me that I have to paid the debt that is owed. I do not understand why he was not accepting the insurance information. I later advise him that I will contact the hospital to provide the information but he kept refusing for me to do so. The agent advised me that he will put his supervisor on the phone he can see if he can assist with the debt. The supervisor XXXX came on the phone and just pretty much told me paid the debt or else. I told him that if i was not informed and I have insurance why do i need to pay a debt. i had XXXX  at the time. I felt like i was being pressure to pay something that my insurance cover. I was been told if not i will pay for the damaged. I do not want to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: MI

Complaint narrative:
After several requests, Certified letters, online complaints and long waiting : Please accept this as a PROCEDURAL REQUEST LETTER to verify a bankruptcy being reported on my Equifax credit report. I do not accept a third-party reporting service co-owned by Equifax. ( XXXX ) This is required under the FCRA section 605. Please advise how this item is verified as we have checked with the reporting court and they have no information from Equifax or anyone for that matter requesting verification. I have also requested in writing from the court to provide correspondence of same. I request Equifax to supply me a verification letter regarding this matter or remove the reporting from my credit report immediately. 


Also according to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy can remain on your credit history for up to 10-years from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade.

2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy can be removed from a credit report before that limit is reached. 


Upon providing this information to you I am requesting that the bankruptcy be removed immediately due to unverifiable proof and that under the FCRA this item can be removed prior to the maximum time limit. I am also forwarding a copy of this request to my attorney XXXX XXXX XXXX to which you have on file. 




Please correct this matter immediately and provide me an updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I received notification that my capital one credit card ending in XXXX was reported as being 30 days late. When I checked the account they list my XXXX payment as being returned. I contacted capital one to find out if they send out a notification when a payment is returned. They advised that they do not send out a notification. As a debt collector, I believe it should be a requirement to alert the account holder of these types of incidents allowing for the account holder to correct the concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth
State: DE

Complaint narrative:
on XX/XX/2019 I mailed a validation of debt and cease and desist all phone calls letter. The letter was received by XXXX on XXXX, XXXX I am still receiving phone calls from the collector

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 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
My representative payee is exploiting, abusing, neglecting and slandering me. He has kept me in XXXX XXXX, XXXX, hungry and cold. I can not obtain my credit report despite numerous attempts. The latest XX/XX/2019. Since he has become my payee, I now have four social security numbers, a mortgage, car payment and one agency is showing me deceased! He forced me to open another bank account in order to get MY SSDI. He refuses me any statements of where my money is going and any savings. I have XXXX XXXX as he won't pay {$9.00} dental insurance and refuses me transportation, clothing, court filings, insurance, hygiene, rehabilitation and I have been reduced to food pantries and clothing banks. XXXX has taken it's toll charges and nobody is listening. Is this how we get rid of the elderly? I am losing hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: MS

Complaint narrative:
i contacted equifax in regards to some fraud accounts listed on my credit file, i sent over a request to delete the items equifax didnt remove the accounts. the accounts are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.i filed a complaint with ftc and sent over ftc id theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Hello, I was overcharged for services that were provided by PennyMacUSA, my current servicer. They charged me {$820.00} for an appraisal and when I spoke to the appraiser, the charge was {$420.00}. The average cost of an appraisal is {$450.00} in my area in Texas. I also got quotes from 3 additional appraisers and they quoted the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
I fell behind due to medical and XXXX XXXX has continued to harass me and my family. They have been calling my references at least twice a day telling them they been trying to get in touch with me and no response. I have my whole family telling me to pay my Bill 's and to tell the loan company to stop calling. I definitely intended to pay my debt to them. From all the stress o have been through now my family and friends are not even speaking to me because I owe money and they are being harassed. I've told them when they come to my home my situation and offered to make a payment online and she said no I need to talk to XXXX. The first time they came to my home I called XXXX and she demanded me to come in I told her no. She said I had to so I told her I would make a Payment. My car was not working properly. They have been to my home four times and calls me and my family. There address is XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX and phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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:
I have tried fixing this issue with the Equifax, attached police reports and everything and they say these fraudulent accounts belong to me. They need to be deleted now, like the rest of the credit bureaus did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
After 13 years of being divorced, my ex-husband finally refinanced the HELOC loan for his house that we once shared. This Wells Fargo HELOC loan was paid off ( refinanced out of my name into a new loan in just his name ) on XX/XX/19. Wells Fargo will not report this loan as being paid off/closed. Wells Fargo continues to report it as an open account on both of our credit reports that is being paid as expected. I have sent 4 credit disputes through XXXX with the latest being XX/XX/XXXX. Each dispute comes back as being reported correctly. I have the satisfaction of mortgage proving this was paid off but, Wells Fargo insists on reporting it incorrectly. I have called Wells Fargo 3 times and have filed disputes with their own credit department to no avail. PLEASE HELP. THIS IS RIDICULOUS

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 2019-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
About ever six months Credence Resource Management LLC working for XXXX they keep calling my XXXX XXXX XXXX work phone try to collect a debt on another XXXX XXXX and I keep telling them it is not me and please take me off their call list. I give them my full name and last four of my ss #. But they will not give me any information because I am not the XXXX XXXX they are looking for! And every 6 months it starts over! this has been going on for about two years! The company name is Credence Resource Management LLC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX Acct # XXXX {$310.00} XXXX-XXXX   XXXX XXXXAcct # # # # # # # # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXXAcct # : XXXX r XXXX XXXX XXXX Acct XXXX : XXXX {$680.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX {$1100.00} XXXX XXXX # : XXXX {$630.00} XXXX XXXX XXXX # : XXXX XXXX XXXX   XXXX was not included in bankruptcy, XXXX gave me the house free in clear as a result of a class action lawsuit and was supposed to remove this account from all 3 credit reports.

I have sent the 1st notice out regular mail on XX/XX/2019, when I did not receive a response I then sent a second response certified mail on XX/XX/2019, and still didnt get a response back for these companies to VALIDATE these debts.

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 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
After 13 years of being divorced, my ex-husband finally refinanced the HELOC loan for his house that we once shared. This XXXX XXXX HELOC loan was paid off ( refinanced out of my name into a new loan in just his name ) on XX/XX/19. XXXX XXXX will not report this loan as being paid off/closed. XXXX XXXX continues to report it as an open account on both of our credit reports that is being paid as expected. I have sent 4 credit  disputes through Transunion with the latest being XX/XX/XXXX. Each dispute comes back as being reported correctly. I have the satisfaction of mortgage proving this was paid off but, XXXX XXXX insists on reporting it incorrectly. I have called XXXX XXXX 3 times and have filed disputes with their own credit department to no avail. PLEASE HELP. THIS IS RIDICULOUS

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 2019-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
My loan was recently transferred from XXXX XXXX XXXX to Fay Servicing earlier this month. I was notified by letter dated the XX/XX/15 that I no longer needed my condo insurance policy on my loan but a payment was disbursed from my escrow to the insurer to prevent a lapse in coverage. 

I was directed to call a number XXXX in the letter if I had any questions. The customer service representative I spoke to could not answer how much or whether a escrow payment was made to the insurance company. He wrongly stated that my insurance policy was with XXXX XXXX ( it is with XXXX XXXX ) and could not answer what if any coverage I need to maintain for my loan. XXXX XXXX has no record of any payment being received so far and the policy is in arrears. 

He also could not give me a direct phone number to contact the escrow/insurance department and said that they can only be contacted by fax. I find all this to be unacceptable for a loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX which was opened in XXXX and closed in XX/XX/XXXX and 100 % paid off keeps reappearing on my credit report even though they take it off and then put it back on.

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 2019-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I did fill an application in an apartment complex called XXXX XXXX XXXX located in XXXX XXXX, Texas but they told me that this apartment is no longer available for renovation and that they will return my money back ( the {$150.00} application fee ) a month later XX/XX/XXXX got a mail from a company called ProCollect located in XXXX, Texas shows that my account with the XXXXXXXX XXXX XXXX has been referred to them for collection!! Amount due is {$180.00} and {$7.00} collection fee!! I did try to explain that theres a mistake and theyre not listening, I contacted the apartment complex to let them know they apologized and promised to fix that problem but they didnt and till nw this collectors company keep harassing me on daily basis and threatening 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 2019-10-30 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: LA

Complaint narrative:
This XXXX account is NOT mine!! I have more documentation including the info proving that I was a victim of the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Credit Bureau of York, Inc.
State: PA

Complaint narrative:
Investigated York XXXX regarding Medical debt on credit file. Credit compromised due to remark HIPPA Violation on credit file. Requesting validation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas)
State: LA

Complaint narrative:
XXXX XXXX had one of their techs come pick up equipment at my home and never sent a final bill and then all of a sudden a debt collection shows up on my credit report. I thought that was illegal!! Also, my bill was only {$350.00}, not {$580.00}!!

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 2019-10-30 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: LA

Complaint narrative:
This XXXX account is NOT mine!! I have more documentation including the info proving that I was a victim of the XXXX  data breach.

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 2019-10-30 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: LA

Complaint narrative:
This XXXX account is NOT mine!! I have more documentation including the info proving that I was a victim of the XXXX data breach.

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 2019-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
Tower loan of XXXX Alabama has made 6 hard pulls to my credit report without my consent. It is continually knocking my credit score down and will take me years to billed it up. To me that is a form of identity theft, and something should be done to the company for falsifying documents. Please help me with this issue.

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 2019-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Premier Student Loan Center
State: IA

Complaint narrative:
I signed up with Premier Student Loan to Pay on My loan and refinance it to a lower interest rate. They told me that they had paid off the bulk of it and that I only owed {$8000.00}. I paid {$30.00} per month for over a year and a half. Now they are out of business and I just got a bill for XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I brought my car to a dealership to get fix and used my capital one card..The dealership did not fix my car and the problem that I paid for is still not fix to this day..I disputed the charge with all the evidence of this evidence of the problem they were suppose to fix that they didn't ( they were suppose to fix a leak from a convertible car I have and the water was still coming in at the Same place they were suppose to fix ) I even had a license mechanic write a letter stating he seen the water too..I went back and forth with the dispute with capital one stating I was not going to pay for something that they didn't fix. ( they wanted me to spend XXXX dollars  to go get a water test for more proof ) I said the dealer ship that did the work on the car already did that and stating that is how they find were the water is coming in and fix it so why would i have to put more money out.I sent them again letters from my mechanic etc..The last time I talk to capital one I told them I had papers for court and ( I still have the court papers ) and I would take them to court and that was the last time I heard from them and my credit card was showing that I owed XXXX balance..So life went on and I got no bill from capital one..then all of a sudden almost a year goes by and they put that I owe them fee 's that I didn't pay from that car issue and late charges..which i never got a bill..I got a paper in XX/XX/XXXX showing again I owe nothing..Now capital one ruined my credit and I want this off my credit report..Still to this day being XX/XX/XXXX I still didn't get a bill from them..

Company response to consumer: Closed with explanation