vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I just became aware that this debt with XXXX XXXX is still showing as a " collection '' item in my XXXX  report. I am trying to purchase a house and this reporting on my credit report is drastically affecting my rate. I never received a notice that the account with this creditor was in default nor that I had a missing payment. I never admitted that this collection account was mine, nor am I admitting that here, but I did however pay this collection account in full in XX/XX/2019. The creditor/and collection company agreed to remove the collection account off of all my credit reports ( XXXX, Equifax, and XXXX  ) if I paid them the full amount they were asking. I did pay them the full amount they were asking, but they never followed through on their end to remove the account from being marked as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: FL

Complaint narrative:
I just became aware that this debt with XXXX XXXX XXXX is still showing as a " collection '' item in my Experian and XXXX  credit report. I am trying to purchase a house and this incorrect reporting on my credit report is drastically affecting my rate. I never received a notice that the account with this creditor was in default nor that I had a missing payment. I never admitted that this collection account was mine, nor am I admitting that here, but I did however pay this collection account in full in XX/XX/2019. The creditor/and collection company agreed to remove the collection account off of all my credit reports ( Experian, XXXX, and XXXX ) if I paid them the full amount they were asking. I did pay them the full amount they were asking, but they never followed through on their end to remove the account from being marked as a collection account.

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 2020-04-01 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
On XX/XX/XXXX, I checked my credit report through XXXX  and XXXX. There is a collection from Southwest Credit Systems ( SWC ) for the amount of {$66.00}. I called and spoke with XXXX, from SWC, and she informed me that the collection was from a case that opened in XX/XX/XXXX for a delinquency in XX/XX/XXXX from XXXX. She was unable to provide proof of the debt, and was unable to provide any information regarding any attempt to contact me for the past 5 years. 

XXXX transferred me to XXXX Fraud department where I spoke to XXXX. He was unable to provide an itemized invoice for the {$66.00}, but was able to direct me to a website for ID Fraud via XXXX. ( I am currently trying to obtain proof of residency from XX/XX/XXXX - XX/XX/XXXX, but COVID-19 is causing some of those resources to be closed ). XXXX also confirmed that my XXXX account had been deactivated in XX/XX/XXXX. 

I called XXXX billing and spoke to XXXX, who again was unable to provide me with an itemized invoice for the amount being " collected '', instead he transferred me to XXXX, in customer service, and she was able to create a collection dispute ticket ( # XXXX ). XXXX was also able to verify that my XXXX account had been terminated in XX/XX/XXXX, at which time the account was transferred into ( my then husband, now ex-husband 's name ) XXXX XXXX. XXXX confirmed that there had been a review of the account completed in XX/XX/XXXX, but she was unable to provide and itemized invoice for the {$66.00}, and she was also unable to confirm any attempt had been made to contact me in regards to collecting the alleged amount due. 

At this point in time, 5 years after the alleged delinquency of {$66.00}, Southwest Credit Systems has reported derogatory information on my credit report without attempting to contact me, and without proof or validation of the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX of 2018, someone used my personal information and opened up two accounts with Regions Bank, one checking account and one credit card. I resolved this with Regions Bank at the time and have a letter from them confirming that I do not owe them anything and the accounts were found to be fraudulent. Now, a year later, I am getting calls from a collections agency called XXXX XXXX saying I owe them for an unpaid debt from Regions. I have tried to resolve this with the collections agency by letting them know this was already taken care of with Regions, but they said I need to deal with Regions to get the account closed. When I called Regions Bank, they transferred me to several different departments before finally saying this could only be resolved with the collections agency. I attempted to contact the collections agency again, and I can not get through to a representative. I am getting the runaround from these two companies, making it impossible to resolve a situation I believed was resolved a year 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 non-monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Glacier Bancorp Inc.
State: ID

Complaint narrative:
We recently applied for a home loan through Mountain West Bank on our primary residence which we own free-and-clear. We are seeking a loan of $ XXXX, and the property is appraised at $ XXXX, making the loan a 60 % LTV first mortgage. The loan would pay off ALL existing debt, including all tax debt, credit cards and vehicle loans, as well as the underlying lien on an adjacent 40 acre parcel of land we own which is currently valued at $ XXXX. ( Two immediately adjacent 20 acre parcels have sold within the last month for approximately $ XXXX each, in spite of the current state of the economy. ) We meet all of Mountain West 's credit requirements and DTI requirements and had been approved by underwriting for the loan. However, somehow Mt West wasn't aware of a private note of $ XXXX we have on the adjacent 40 acre parcel. When Mountain West discovered that we own the 40 acre adjacent parcel and intended to pay off the balance of the private note with the loan proceeds, their credit committee immediately changed the terms of our loan to encumber the primary residence PLUS the $ XXXX adjacent 40 acres. ( The loan of $ XXXX was already going to be secured by our primary residence and was only 60 % LTV of that parcel alone. ) We believe Mountain West 's new requirement of demanding $ XXXX worth of real estate as security for a $ XXXX loan is most certainly Predatory Lending. We meet all their DTI, LTV, and credit requirements WITHOUT adding additional real estate assets to the loan, and using the proceeds to pay off the land loan did not change our financial outlook in any way. In fact, it improved it. However, Mountain West saw an opportunity to take advantage of our situation, knowing that we were depending on that loan to satisfy a balloon payment on the land that is due in 3 months. 

This is profoundly disturbing, especially at a time when our country is dealing with the Covid19 pandemic. In spite of everything that is currently happening in the economy, my employment has been guaranteed by my employer and our industry is considered essential, as we XXXX XXXX XXXX to XXXX  and numerous other essential businesses. There is no concern with regard to my ability to repay the debt and it is undeniable that the loan would only increase our credit-worthiness, leaving us 100 % debt-free aside from the 1st mortgage, PLUS providing 5 months worth of cash reserves. We are firmly convinced that Mt West 's new demand is unduly burdensome,100 % unnecessary and out-of-the-ordinary due to the fact that we meet all of Mountain West 's lending guidelines. 

We would greatly appreciate your assistance in reviewing this claim ASAP. Thank you.

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 2020-04-01 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: AR

Complaint narrative:
I called XXXX XXXX to get tv service. While I was trying to set things up. I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found a unknown account that does not belong to me except the XXXX XXXX   account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent account off 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 2020-04-01 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: AR

Complaint narrative:
I called XXXX XXXX to get tv service. While I was trying to set things up. I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found a unknown account that does not belong to me except the XXXX XXXX   account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent account off 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 2020-04-01 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including several bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$4300.00} XXXX  XXXX   XXXX {$2600.00} XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$120000.00} XXXX XXXXXXXX   XXXX {$120000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just became aware that this debt with XXXX XXXX XXXX is still showing as a " collection '' item in my XXXX  and Transunion credit report. I am trying to purchase a house and this incorrect reporting on my credit report is drastically affecting my rate. I never received a notice that the account with this creditor was in default nor that I had a missing payment. I never admitted that this collection account was mine, nor am I admitting that here, but I did however pay this collection account in full in XX/XX/2019. The creditor/and collection company agreed to remove the collection account off of all my credit reports ( XXXX, XXXX, and TransUnion ) if I paid them the full amount they were asking. I did pay them the full amount they were asking, but they never followed through on their end to remove the account from being marked as a collection account.

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 2020-04-01 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:
My credit card was used as part of a fraudulent purchase. I have filed multiple disputes with Citibank and they are not helping me. Citibank recently ruled in favor of the merchant despite it being fraudulent. The other 2 credit cards ( XXXX and XXXX ) which were also used in the same fraudulent purchase have already ruled in my favor and refunded my money to me. Citibank is unwilling to do so.

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 2020-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XXXX, 2020 " American Express '' cardholder XXXX XXXX and I agreed upon payment of a flat fee of {$10000.00} for professional legal services. I have a witness named XXXX XXXX who can attest to this. Payment was made in 3 separate payments ( XX/XX/2020, XX/XX/2020 and XX/XX/2020 ), one week apart from each other and with XXXX 's prior knowledge and approval. The legal services consisted of drafting very specific, unique and complex settlement legal documents between 2 parties ( XXXX and XXXX ) in attempt to prevent a legal matter from going into a lawsuit. These documents were prepared to XXXX 's unique specifications and provided to the both parties, who then decided between themselves not to execute the documents. 

Failure of the settlement has now resulted in a very large lawsuit against these 2 parties. 

In XXXX, 2020 XXXX sent a {$10000.00} " charge dispute '' to " American Express '' in an attempt to reverse the charges claiming he had " no knowledge '' of the charges for the legal services. " American Express '' investigated and confirmed to " XXXX '' ( my card payment processing merchant ) that the dispute was resolved in my favor. 

Today XXXX again contacted " American Express '' in what is clearly an attempt to commit " theft of professional services '' and dispute these charges. The services have been 100 % performed and provided in a timely and diligent manner. XXXX is abusing his card privileges with " American Express '' ( or " American Express '' is condoning XXXX 's behavior ) because I am aware of several other " disputes '' he has had with other professionals where he seeks to have charges for professional fees reversed in " bad faith '' and with the intent to harm professionals who provided his services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a notice of collection from Wakefield and Associated ( acct # XXXX ) in the amount of {$1000.00} indentifying the creditor as XXXX XXXX  XXXX XXXX. 

In calling Wakefield to discern what this collection bill was for, I was informed that this was for medical services provided to me in XXXX. While I have acknowledged that I have received medical services, some of which have been ongoing, I have no invoice, statement, or bill from this specific situation. 

I then called my health insurance company ( XXXX XXXX ) and spoke with a representative ( XXXX ) who said this was most likely from an ambulance ride to the ER that was required. They had not received a finalized bill from the provider and could not determine the amount that I was responsible for or what they would be covering. She said that I needed to contact them once I had received the bill and they could advise on how much I should be paying out of pocket. 

We attempted to call XXXX XXXX XXXX and request the invoice be sent to us directly or to the insurance company and advised I would not be paying any amount until I had an invoice from them for the services. They promised to send that to us on XX/XX/XXXX and on XX/XX/XXXX we still have not seen any invoice. I contacted my insurance company and they also have not seen any invoice. 

I called and spoke with XXXX at the XXXX  XXXX today ( XX/XX/XXXX ) and she advised me that they could in fact, not provide me with a copy of the invoice any longer as it was moved to the collections group. She verified the amount for me ... .. But she said there were multiple attempts to send to my address, and I confimed my address, yet I have not received any of these notices. I requested today if she would be able to email me a copy of the invoice and again was told no. 

She advised I would need to contact the collections group. I told her that we had already contacted them and they also were not able to furnish a copy of the invoice, only the total. At this point, I am planning on paying the amount as I believe I owe and I have very good credit and do not wish for this to be a continued problem. That said, the inability for either the original billing party to provide an invoice to match the payment due or of the collections companny to furnish same, is concerning and frankly I don't see how that practice should be allowed as there is zero protection for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF EDXXXX US DEPT VETS DEPTEDXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF EDXXXX US DEPT VETS DEPTEDXXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  XXXX  DEPT VETS DEPTEDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vital Solutions, Inc.
State: TX

Complaint narrative:
I received a phone call from a woman at Vital Recovery Solutions who insisted that she would hang up her phone conversation with her if I was going to cuss   her out. I proceeded to hang up on this XXXX who refused to give out my account number, email or email documented information of the amount I owed to her company. I did not even know the name of the company she was calling from when she called me. Instead of getting an invoice from her, she gave me her supervisor 's email address to as him. Too young. They're wrong, is my point, demanding me to verify my information without sending me something in the form of writing. 

When I called again, I said I would not verify my information. I had to ask who the the person I was talking to was, and verify the address. This company is not even licensed in the state of Texas. XXXX XXXX didn't even have the license number of the company. I think this company is a scam. It needs off of my credit report. I will pay the XXXX XXXX on my own. 

XXXX XXXX

Company response to consumer: Closed with explanation