vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pioneer Capital Solutions Inc
State: MN

Complaint narrative:
This should not be in my credit report. This collection agency reported this to the  XXXX  credit bureaus and they should not be in my credit report and I do not ow e Pioneer Capital Solution anything I want them provide me of contract a sign with t hem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have  XXXX  liens showing on my report. I contacted the city of  XXXX   XXXX  and they stated that it was not mine and that another person 's file was mixed up.  XXXX  other credit reporting agencies have already deleted these  XXXX  entries but Experian still shows then and addresses and names I have never gone by or lived at. I file disputes and nothing has changed. I logged in and went to the online dispute page and was able to begin but then was kicked out of the site for inactivity? I was actively filling out disputes. I tried to reenter and was denied access. This happens repeatedly making resolution of my issues impossible and doing me irreparable harm credit wise. These inaccuracies were the reasons for being denied credit.   I 'm tired of being the consumer denied access to my own 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 2017-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: OH

Complaint narrative:
My father and I have the same name. I am a "  XXXX  '' and the collection agency was trying to collect a debt from me that was not mine, rather my father 's. I have called the collection agency as well as the credito r (   XXXX   XXXX   ).  They called the situation " skip tracing ''. This was never my debt, but is effecting my  credit score. I just want it all to vanish to raise my score back up.      Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Nonstop callin and leaves no messages

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
This Complaint is intended to address the ever-escalating obfuscations by Professional Debt Mediation regarding the failure of both t he Collection Agency  itself and  XXXX   XXXX   XXXX  to comply with either Federal Law or Florida Statutes in the handling of the debt assigned to the Agency by the Creditor, as the very fact of the fraudulent notice of intent to make a claim on my deposit -- sent via Certified Mail on  X/XX/2016   , more th an two mont hs after the debt had been submitted to the Credit Reporting Agencies and quite obviously intercepted by the Creditor itself ( similarly a violation of Federal Law ) in an effort to prevent me from obtaining proof of its fraudulence, or the notice would have been forwarded to me as required by my change of address Confirmation -- is a clear indication that the Creditor was keenly aware that the concepts of " abandonment '' and " vacating '' cited by Professional Debt Mediation do not apply when the Courts have evicted a tenant and ordered the loc al Sheriff 's Office  to take possession of an apartment on behalf of a landlord ( see attachments ), leaving the Creditor fully obligated to comply with the notification via Certified Mail requirement specified in Florida Statut e 83.49 ( 3 ) ( a ), r egardless of whether or not the Creditor was provided with a forwarding address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: VA

Complaint narrative:
In  XXXX   2017 I p aid a {$460.00}  XXXX    XXXX   XXXX   medical bill. It is showing  - XXXX - b alance with  XXXX  and   XXXX    .  Transunion refuses to correct the balance to  - XXXX -.   XXXX  emergency associates advised they would recommend the tradeline be removed since it is a medical account. This has not been done either. I have disputed the amount  2 d ifferent times and they insist that the amount is correct and it is not and I can prove it. Please advise if I need to hire an attorney.

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 2017-05-25 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: FIRST HORIZON BANK
State: OR

Complaint narrative:
I have aske d First Ten nessee to review the way they have been reporting my credit to the  XXXX  credit reporting agencies. On  XXXX   XXXX ,  XXXX  they stated " we reviewed the account and found it was charged off on  XX/XX/XXXX  with the first date of delinquency being  XX/XX/XXXX . '' They further explain " based upon our research, we have determined that the information we originally reported was indeed correct. '' Federal law requires them to report with accuracy and integrity. They are not required by federal law to report any information. First Tennessee has reported the charge off on my credit report for the past 73 months. A charge off is a one time IRS write off on a worthless debt. Reporting the charged off every month does not meet the " integrity '' of the credit reporting. I spoke to  XXXX  in customer care on or about  XXXX   XXXX ,  XXXX  and she stated that " We do not remove information from the credit reports. We treat everyone the same. '' That tells me that I am not the only one that been effected by this type of reporting. I had  XXXX  credit cards closed by  XXXX  banks even though I had not missed a payment for two years because of the way First Tennessee has reported this account. I was turned down for a mortgage in  XXXX  of this year, not because of the charge off, ( after all it i s 6   years old  ) but because First Tennessee has reported it every month making it look like a new charge off. First Tennessee bank has caused personal damage to me as I have been turned down by  XXXX  credit card companies,  XXXX  mortgage and my ability to rent a home.

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 2017-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I had saw a advertisement from wells fargo saying that i will get {$150.00} if i open a account with them and i had called to file a complaint with them and see if i can get that offer since the banker who had opened my account never told me about it. Then the customer service ahent said there was nothing they can do and she just transfered me to a supervisor then the supervisor said that the offer i saw on facebook was a invalid offer and that the promotion ended in  XXXX . I had  a specialist ca ll me and they said that they had a offer of {$250.00} but that ended in  XXXX  and that they dont have no offers for {$150.00} and that theres nothing they can do and disconnected the line. I have evidence of them putting false promotion and actually telling customers that to call customer service and they will take care of the issue when they really dont do nothing.

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 2017-05-25 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: GA

Complaint narrative:
This Complaint is in reference to the information provided by the  Collection Agency   XXXX   XXXX   XXXX  in response to my most recent Complaint against the Agency ( #  XXXX  ; see attachments ) regarding the fraudulent debt assigned to it by  XXXX   XXXX   XXXX . I have attached t he USPS tracking inf ormation for Article #  XXXX , which the Agency alleges constitutes proof that I was indeed sent notification by the Creditor via Certified Mail of its plans to impose a claim upon my deposit, as required by Florida Statute  83.49 ( 3 ) ( a ) . Note, however, that this mailing was initiated on  X/XX/2016    -- or more than 2 months after the debt had been submitted to th e Credit Reporting Agencies -- in a blatant attempt to cover for the Creditor 's failure to comply with Florida Statutes well after the fact. As for the Agencys further allegation that Florida Statute 83.49 ( 3  ) ( a ) does not apply in situations where the tenant has " abandoned '' or " vacated '' an apartment, clearly the fraudulent notice sent by the Creditor via Certified Mail -- which must have been intercepted by the Creditor itself ( also a violation of Federal Law ) in an effort to prevent me from obtaining proof of its efforts to circumvent Florida Statutes, or else it would have been forwarded to me at my grandmothers residence, as specified in my change of address Confirmation -- is indicative in and of itself that Creditor is keenly aware that the concepts of " abandonment '' and/or " vacating '' are not applicable when the Courts have evicted a tenant and ordered the loca l Sheriffs Office to take possession of an apartment on behalf of the landlord, as the Collection Agency has freque ntly pointed ou t (  see attachments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: IL

Complaint narrative:
I am having a problem with Midland Mortgage who is the holder of the FHA mortgage loan on my home. They have misled me and not been honest and seem to be trying to deny access to programs for struggling homeowners. I was in an agreement with Midland Mortgage but unexpectedly had the IRS come after me for back taxes and garnish my paycheck. As a result of this garnishment I could not afford my bills and I defaulted on my modification. I immediately contacted Midland and they told me they would work with me and to contact them as soon as I was back on my feet financially. In a matter of months I was able to get the IRS to put me into a payment plan and began receiving my regular paycheck. I tried to make a monthly payment to Midland but they would not accept my money and told me I had to repay all missed payments as well as late fees, Attorney fees etc. I was not able to do this. I was told I could go through the loss mitigation review in order to resolve the late payments and get considered for a modification. I submitted the financial information and was told that everything looked good. Then I was told that since I had received assistance through HUD in the past that I could not be reviewed for assistance again. I dont believe this information is accurate and when I asked Midland to explain they could not give me any straight answers.      I have owned my home si nce 2009 and  have worked as a  XXXX   XXXX  for 26 years. I ran into a true hardship when the IRS unexpectedly garnished my paycheck and it caused me to default on this  loan. As soon as I got the matter resolved I tried to work things out with Midland, but have run into a brick wall. I believe that I qualify for assistance through HUD with my FHA loan based on the income but Midland is refusing to open a review. I believe that there are options such as partial claim, special forbearance or modification available for me. I dont understand why Midland agents tell m e to apply for help and that everything looks good then tell me that they wont help me because HUD helped me in the past. This does not seem right.

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 2017-05-25 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: CA

Complaint narrative:
The TRANSUNION credit bureau is listing a public record for a judgment that is not valid. I 've requested them to investigate the validity and they are lying saying that they are going to confirm its validity. I 've just received a letter from the  XXXX  County Supreme Court Stating they do not nor ever reply or verify or validate any information with the Credit Bureaus. I 've also Put a FREEZE on  XXXX  information so Transunion is lying and we want it removed immediately.

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 2017-05-25 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: CA

Complaint narrative:
XXXX   AND EQUIFAX are both reporting a completely fraudulent collection account, number XXXX .   by  XXXX   XXXX   XXXX   XXXX , a company under CFPB Consent Order which requires submission to CFPB supervision.The problem arises from the incompetent hospita l biller   XXXX  represents,  XXXX   XXXX   XXXX   XXXX   XXXX  .I h ad service there 1 day  in 2014, T he hospital biller puts  XX/XX/14    on  one  bill and  XX/XX/14    on another for service that occurred on  one day .If a hospital can not bill an insurer correctly then that insurer can not be held to bad faith.I was fully insured that day of service after employment by  XXXX , after a leave of absence, and then finally I paid a  XXXX  policy in a timely manner. One ch eck for   XXXX   was written to  XXXX  on  XX/XX/14    And cashed by  XXXX  on  XX/XX/14 .A COPY OF THAT CHECK IS ATTACHED.Also you are aware that insurance is not paid in arrears, and  XXXX  had that check cashed just two weeks prior to hospital service.I 've attached proof of  XXXX  'S incompetent billing, not even knowing what day the service occurred.The credit bureaus must get  XXXX  to certify the correctness of the information or  delete immediately.  XXXX  already took a stand and deleted the  XXXX  account which vaulted my credit score back up to  XXXX , OVER  XXXX  FICO  XXXX  points.This willful error of  XXXX ,  XXXX  and  XXXX  and Equifax who relay their false information is getting expensive.I 'm a middle tier interest rate on mortgage and credit cards instead of the very top tier I deserve.I 've been told by   XXXX   XXXX   that   XXXX   'S REPORT put me in the middle tier from 14 per cent to 20 percent on their credit card.   I ca n't have my real estate broker get a mortgage until this issue is put to rest.   THERE HAVE BEEN MULTIPLE INVESTIGATIONS WITHOUT THE EVIDENCE ( attached ) PROVIDE D HERE.THE EVI DENCE SAYS THIS ACCOUNT SHOULD N'T BE ON MY REPORTS AND  XXXX  DESERVES ONE MORE GIANT  XXXX   XXXX  DOLLAR FINE FROM THE CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: GA

Complaint narrative:
I have several collection accounts that have reported on my credit file that have been paid directly to the original creditor. The Credit reporting agency will not properly investigate and removed the item from 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 2017-05-25 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: GA

Complaint narrative:
This Complaint is in reference to the information provided by th e Collection Agency   XXXX   XXXX   XXXX  in response to my most recent Complaint against the Agency ( #  XXXX  ; see attachments ) regarding the fraudulent debt assigned to it by  XXXX   XXXX   XXXX . I have attached t he USPS tracking inf ormation for Article #  XXXX , which the Agency alleges constitutes proof that I was indeed sent notification by the Creditor via Certified Mail of its plans to impose a claim upon my deposit, as required by Florida Sta tute 83.49 ( 3 ) ( a ).  Note, however, that this mailing was initiated on  X/XX/2016    -- or more than 2 months after the debt had been submitted to t he Credit Reporting Agencies -- in a blatant attempt to cover for the Creditor 's failure to comply with Florida Statutes well after the fact. As for the Agencys further allegation that Florida Statute 83.49 ( 3  ) ( a ) does not apply in situations where the tenant has " abandoned '' or " vacated '' an apartment, clearly the fraudulent notice sent by the Creditor via Certified Mail -- which must have been intercepted by the Creditor itself ( also a violation of Federal Law ) in an effort to prevent me from obtaining proof of its efforts to circumvent Florida Statutes, or else it would have been forwarded to me at my grandmothers residence, as specified in my change of address Confirmation -- is indicative in and of itself that Creditor is keenly aware that the concepts of " abandonment '' and/or " vacating '' are not applicable when the Courts have evicted a tenant and ordered the lo cal Sheriffs Office to take possession of an apartment on behalf of the landlord, as the Collection Agency has frequ ently pointed ou t ( se e attachments ).

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 2017-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I prepared a letter to  XXXX   XXXX   XXXX  dated  XXXX   XXXX ,  2017 to complain  about the horrible treatment regarding a mortgage refinance. As of today I have not received a letter regarding my concern. Out refinance loan  was denied. However, we did not receive a letter indicating the reason for their decision. I am very disappointed in M & T Bank because they have not responded to my concern in my letter. We have a mortgage with M & T and we completed an application for a lower interest rate, thus a lower monthly payment. I am sadden by their treatment to me and my husband. I requested a letter from their mortgage section a letter of denial. As of today 's date we have not heard anymore from M & T B ank.

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 2017-05-25 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: OR

Complaint narrative:
I have asked  XXXX   XXXX  to review the way they have been reporting my credit to the  XXXX  credit reporting agencies. On  XXXX   XXXX ,  XXXX  they stated " we reviewed the account and found it was charged off on  XX/XX/XXXX  with the first date of delinquency being  XX/XX/XXXX . '' They further explain " based upon our research, we have determined that the information we originally reported was indeed correct. '' Federal law requires them to report with accuracy and integrity. They are not required by federal law to report any information.  XXXX    XXXX   has reported the charge off on my credit report for the past 73 months. A charge off is a  XXXX  time IRS write off on a worthless debt. Reporting the charged off every month does not meet the " integrity '' of the credit reporting. I spoke to  XXXX  in customer care on or about  XXXX   XXXX ,  XXXX  and she stated that " We do not remove information from the credit reports. We treat everyone the same. '' That tells me that I am not the only one that been effected by this type of reporting. I had  XXXX  credit cards closed by  XXXX  banks even though I had not missed a payment fo r two year s because of the way  XXXX   XXXX  has reported this account. I was turned down for a mortgage in  XXXX  of this year, not because of the charge off, ( after all it is 6  years old  ) but because  XXXX    XXXX   has reported it every month making it look like a new charge off.  XXXX   XXXX  bank has caused personal damage to me as I have been turned down by  XXXX  credit card companies,  XXXX  mortgage and my ability to rent a home.

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