vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-19 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: MA

Complaint narrative:
I filing a complaint with Equifax credit bureau for false credit reporting on my credit report, I have dispute fraudulently account with Equifax with a copy of police report and equifax continually keep reporting the two fraudulent account, when called to speak to a representative I get the run around. This has impact my life in a bad way. it's had ruin my life. I am aware that equifax is being sue for inaccuracies on people account.  I am requesting for equifax to remove the two fraudulent account from my credit file, the two account is XXXX   XXXX for the amount of $XXXX and XXXX  XXXX XXXX for the amount $XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just recently reviewed my credit report and saw an unknown issue. It appears to me that XXXX XXXX XXXX, a company we rented a cello for my daughter from a few years ago, has been charging me for cello rental even though the cello was returned in XX/XX/2016 and I have not once received a bill or been contacted regarding this since the cello was returned. Clearly, they sold this made up debt to a collection agency who has also never contacted me, yet it’s on my credit report as delinquent since XX/XX/2016. The response from Experian has just been a photo of the months of the year with red dots indicating that I didn’t pay. I have not been able to reach anyone there as when i call I’m on eternal hold and eventually disconnected. The cello was picked up from XXXX XXXX XXXX XXXX from the receptionist. I will attach her email confirmation with 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 2019-08-19 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: NV

Complaint narrative:
There are several credit inquiries listed on my credit report which Transunion has refused to removed.  I called their customer service a couple of times and they refused to address the issue.  I did not authorize these inquiries and in turn they are causing issues with my credit scores.Here are the inquiries I asked Transunion to remove,1. (XX/XX/XXXX) Institution InformationXXXX XXXX XXXX XXXX XXXX(XXXX) XXXX-XXXX2. (XX/XX/XXXX and XX/XX/XXXX) Institution InformationXXXX XXXX XXXX XXXX XXXX (XXXX) XXXX-XXXX3. (XX/XX/XXXX) Institution InformationXXXX XXXX XXXX(XXXX) XXXX-XXXX4. (XX/XX/XXXX) Institution InformationXXXX XXXX XXXX(XXXX) XXXX-XXXX5. (XX/XX/XXXX) XXXX/XXXXXXXX XXXX(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 2019-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
XX/XX/2019Trying to contact navient and a third party who said they were located in the XXXX  answered when I used the link in my email from  Navient I called XXXX XXXX XXXX XXXX and there was no regular greeting or dial tone at all, until it rang to what sounded like an extension. a man who didn’t have my account info and didn’t know why I was calling, which was out of the ordinary, answered and had me spell my name. They asked for full social security numbers. My phone said I was calling fishers, Indiana and so I ended the call due to the discrepancy. The man said all navient customer service was located in the XXXX. They had old statuses on my account, and possibly were the same with a woman who Called a couple months ago and didn’t know my information.Calling other numbers brought me eventually to a woman who said she was in XXXX, and I feel very confused by the different locations and distrusting. The woman who said she was located  in XXXX  said to file this report. My partner in the home spoke with the same apparently third party number- he received three calls although his account is up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2019, I disputed a Chapter XXXX bankruptcy that was being reported on my credit report. June the credit reporting agency stated the information was verified as accurate. XX/XX/2019, I sent a letter to the court administrator of the courthouse where the bankruptcy was filed. In my letter I requested what is their procedure for verifying records with the credit reporting agencies. XX/XX/0219, The court administrator mailed me their response, stating the courts has no form of direct interaction with any credit bureau. Credit bureaus do not check with or otherwise have direct contact with the Court to verify information they have obtained from third parties. The Court has no involvement regarding what credit bureaus do with the information they get from third party administrators. XX/XX/2019, I mailed a copy of the letter to the credit reporting agency along with the response I received from the Courthouse Administrator stating how they don't verify the information with the credit bureaus. In the letter I stated per the FCRA 623(a)(5): "If the Credit Bureau cannot VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file". The Credit Bureau responded back stating it was verified. I then asked them for their Method of Verification. As a consumer, I have a right to request the credit reporting agency method of verification. I requested the Credit Bureau to send me the original method of verification from the Courthouse and they advised they do not have to furnish that information to 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 2019-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2019and XX/XX/2019I received a letter from Portfolio Recovery Associates,LLC
In response to a dispute related to a XXXX XXXX  Credit Card. That did not apply for. 
They stated that I owe XXXX  I have not apply for a XXXX credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I XXXX XXXX recently pulled my credit reports to my shock to find that had not one...but FOUR collections accounts on my otherwise stellar credit reports from United Revenue Corp.These accounts had different account numbers and alleged amounts they say I owed. I have no knowledge of this company and don't recollect ever doing business with them or signing any documents or contracts agreeing to pay them any amount. So then why are they reporting negatively on my bureau reports?I feel these are all clear violations of the FDCPA.And if these are medical bills they are trying to collect and they aren't a medical facility why then would they have access to my information or billing?That is a clear HIPAA violation as well.The accounts in question are: # XXXX  for $XXXX# XXXX for $XXXX# XXXX for $XXXX# XXXX  for $XXXXPlease show proof of ownership and agreement to pay these accounts with original not photocopies of documents.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery engages in fraudulent misleading abusive harassment; I do not owe them any money yet they call and call again from different telephone numbers. Their henchmen mislead, outright lie, strongarm, threaten, and otherwise act like idiot mobsters. I am engaging an attorney and will make them rue the day they began lying to me. Oh and I no longer answer ANY phone calls from unknown numbers as I have been traumatized and abused by these crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-08-19 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: FL

Complaint narrative:
I have incorrect information on my credit file as a result of identity theft:- XXXX XXXX XXXX XXXX - XXXX - XX/XX/2019 - XXXX XXXX XXXX XXXX - XX/XX/2019 - $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 2019-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am divorced as of a year ago in XXXX, filed chapter XXXX bankruptcy which was filed on XX/XX/19, loans against house through XXXX and XXXX were both taken off credit report, ex husband changed loans through another company for house and now my name is back on loan as joint account holder and it is on both XXXX and Transunion credit reports after having been removed from bankruptcy, talked with Transunion, not easy to get this task done, also emailed XXXX but forms are difficult to complete and although it was taken off credit report and put back on by them I have to jump through hoops to get this done, in a nutshell, XXXX XXXX XXXX has my name on account, cannot contact them or talk with anyone because I have no account info, so I am in need of assistance. bankruptcy lawyer more than willing to submit papers but no one even has a fax number, but tons of forms to fill out, I don't understand how it was taken off by them but placed  back on in error but not able to be fixed.

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 2019-08-19 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am divorced as of a year ago in XX/XX/XXXX, filed chapter XXXX  bankruptcy which was filed on XX/XX/19, loans against house through XXXX and XXXX were both taken off credit report, ex husband changed loans through another company for house and now my name is back on loan as joint account holder and it is on both Equifax and XXXX credit reports after having been removed from bankruptcy, talked with XXXX, not easy to get this task done, also emailed Equifax but forms are difficult to complete and although it was taken off credit report and put back on by them I have to jump through hoops to get this done, in a nutshell, XXXX XXXX XXXX has my name on account, cannot contact them or talk with anyone because I have no account info, so I am in need of assistance. bankruptcy lawyer more than willing to submit papers but no one even has a fax number, but tons of forms to fill out, I don't understand how it was taken off by them but placed  back on in error but not able to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Credit cards were opened in my name in early- mid XX/XX/XXXX 1 - XXXX XXXX XXXX $XXXX OWEDDate opened XX/XX/XXXX - I was in XXXX at the time ( Please note that I have attached my flight confirmation advising that I was arriving in the USA from XXXX onXX/XX/XXXX)- This card was even paid towards several times before the person stopped using it.this card was used regularly at many places.It was even paid off before being left delinquent.---I was living in the USA on an exchange visa from XX/XX/XXXX - XX/XX/XXXXI arrived back in the USA late XX/XX/XXXX.I left the country again in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
We paid $XXXX to lower our principal in order to pay the house off faster and also to get the Private Mortgage Insurance (PMI) of $XXXX per month cancelled.  I’ve been calling them trying to get them to do something for over a month now and they keep ignoring my requests.  I have paid my loan down to approximately 64% of it original value and they are trying to apply non specific charges of possibly $XXXX  to re-appraise the property.  I wouldn’t even have PMI if I owed this much on the original value of the property.

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 2019-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: CA

Complaint narrative:
The name of the company is 
Title Max in Pasadena, 


I made this title loan back in XX/XX/XXXX. Never a late payment

Until XX/XX/XXXX, my balance was XXXX, ( I stop borrowed, and every month I paid XXXX approximately for at least 15 months) and this balance was always remind the same until I paid XXXX toward the principle in XX/XX/XXXX, my balance became to XXXX1 on XX/XX/XXXX but this company wanted me to still pay at least XXXX each month and they told me my balance will always remind the same unless I pay off the loan....this is Not Fair

They have kept me on the dark side of my consumer right and want me to pay the highest interest rate and disregard my consumer's right, they also fired 4 staff that have been helping me to made payment every week because they don't want me to know my right to pay off this loan, I have paid more than XXXX to this company in XX/XX/XXXX to XX/XX/XXXX not counting the previous month that I have made to this company....

When I asked for my receipts to be send to me( bring this case to the Court,) they have adjusted my balance down to XXXX as of XX/XX/XXXX .

I stopped making payment in XX/XX/XXXX, because I think it's not fair 
( started in XX/XX/XXXX, I made 2 times every week, which is XXXX for each month which is XXXX)

When I passed 1 day to the payment ( I set to pay Monday and Friday every week they will called me on Tuesday and want to collection of the payment, this is rediculous.....

They also refused to send me the receipts of XX/XX/XXXX, XX/XX/XXXX , and call and they told me to make payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I delivered my daughter on XX/XX/XXXX. On that day I switched my medical insurance from an individual plan to my spouse's plan as his dependent. The creditor in this case - XXXX XXXX has I believe billed my previous insurance and failed to bill the new insurance. This was then send to the debt collection agency - XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXXSUITE XXXXXXXX MA XXXXREFERENCE :ACCOUNT NO – XXXXCREDITOR : XXXX XXXX ACCOUNT NO – XXXXSERVICE DATE –XX/XX/XXXXAMOUNT DUE – $ XXXXI subsequently called the XXXX XXXX department and spoke to XXXX who says that on checking the bill was paid by the prior insurance and should not have gone to collections but was not able to help me with the collection agency and proposed I call them myself and sort it out. I called XXXX XXXX who said I should call XXXX XXXX and sort it out.Meanwhile I keep getting collection notices from XXXX   XXXX  XXXX XXXX. I fear undue effect on my credit score for no fault of mine.I believe that either XXXX XXXX  failed to bill the right insurance within the right time or the bill was paid as I was made to understand and still went to collections. Kindly help.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: WV

Complaint narrative:
I have disputed XXXX/XXXX on all three credit reporting agencies. Company wrote off amount due which cancelled contract. Sold to collection agency PRA which also cancelled contract. I paid PRA in XX/XX/2015. I can not submit documents. Loss home to flooding XX/XX/2015.

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 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: NM

Complaint narrative:
Per a 2nd Judicial District Court of New Mexico Court Order, the order states the "mortgage and note are unenforceable."  Case is closed. *  XX/XX/XXXX – Denied Motion; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal*  1XX/XX/XXXX – Case Dismissed With Prejudice; Order On Statute Of Limitations DefenseSpecialized Loan Servicing continues to harass me.  On XX/XX/XXXX, a field representative posted a notice stating the home was "found to be vacant" and "it is likely that the mortgage holder will have the property secured and/or winterized within the next few days."  The house is obviously occupied.  I called XXXX and spoke with XXXX on Monday,XX/XX/XXXX and let him know the home was occupied. I have sent multiple letters with electronic and signature delivery to Specialized Loan Servicing over the years, and they continue to the harassment.  Please advise them to stop all collection efforts, harassment, etc.  Additionally, in XX/XX/XXXXthey assigned the account to a company called XXXX, I sent XXXX a QRW (letter language attached below).  Now Specialized Loan Servicing is stating the account is coming back to them from XXXX.  Please advise Specialized Loan Servicing to stop all communications, as this mortgage and note are no longer enforceable.

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 2019-08-19 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 credit bureaus are reporting erroneous information on 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 2019-08-19 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 credit bureaus are reporting erroneous information on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
HP Sears has reported a medical collection account for $XXXX on my credit.  I have NEVER received any written notice, phone call or anything about this bill and it seems extremely odd considering I have 3 medical plans that cover me.  1- XXXX, 2- XXXX XXXX, 3- Veterans Administration.  They have made no attempt to contact me regarding this so I don't even know who the original creditor may be.  They have made zero effort to validate this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: WI

Complaint narrative:
I asked them to verify and validate accountXX/XX/XXXX and XX/XX/XXXX with Ad Astra Recovery Service. I've been disputing account since XX/XX/XXXX with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation