vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-20 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:
XXXX XXXX-XXXX XXXX was the original account holder. I took a payment into the store ; when they were still open, and they said their computers were down and took the check. They applied the payment at a later date and all of a sudden I owed them almost twice what I originally owed. I paid the balance of what I originally owed them, and they continued to collect on the account although they had no proof that I owed them anything more. 

Since they knew that I did not owe them more, and could not collect anything else from me they began selling the debt to other companies, and when they needed to prove I owed them, they would pull it back, and re-sell it. I filed a complaint with Missouri Attorney General 's Office, they waited and then sold it to XXXX XXXX. That is why there is no a/c number listed because it is not a valid account. 

I have never had an account charged off by XXXX XXXX, they bought this erroneous account from a bank that was selling debts that were not owed to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I called XXXX  to report that I had unrecognized hard inquiries on my credit report and customer service did nothing about the problem. They were unprofessional and had me on hold for more than 45 minutes just to tell me it's nothing that they can do to help. I called XXXX 5 days straight and still got the same unprofessional response and I'm very upset about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
all the money is paid off and its still not updated on credit report agency, To get positive standards and not negative XXXX was sent to the company and my credit report is still bad negative 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 2018-07-20 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: PA

Complaint narrative:
I contacted all credit bureaus about fraud done on my account and they all corrected it except for Equifax. EQUIFAX recieved police report back in XXXX and dispute letters copy of my I'd and a bill. There are fraudulent accounts on my equifax report flex shopper, medical collections, and university of XXXX which is a collection. They are not mines I've been contacting equifax since XXXX of this year the companys have shown exquifax proof and equifax doesnt want to show me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: FL

Complaint narrative:
This is a continuation of my Complaint Nr XXXX, submitted XX/XX/2018. 

On XX/XX/2018 I received an Equifax reminder to look at dispute Confirmation Number : XXXX. I was presented a list of security questions ( see attached screen shot SectyEquifaxXXXX ), which I commented thereon. As I noted that a bogus previous address, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, ( which is the address used by the Identity Thief who fraudulently opened an account in my name w/XXXX XXXX, XXXX XXXX last year ). I have never lived in XXXX, nor used any XXXX mailing address. I telephonically contacted the Equifax Fraud unit, who initiated a correction dispute ( XXXX ). 

I also attempted to access Equifax dispute Confirmation Number : XXXX, but was unable to due to being presented with fraudulent security questions ( See screen shot XXXX ) also commented thereon. Although I answered all questions accurately, I was denied access to the report. 

It seems that Equifax has somehow intermixed fraudulent information with my real credit information without my confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 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: NY

Complaint narrative:
Credit Agencies keep reporting negative items on my report, which is effecting my credit.

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 2018-07-20 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: NY

Complaint narrative:
Credit Agencies keep reporting negative items on my report, which is effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
ref OCC case # XXXX and all proof documents taken in a one hour meeting on XX/XX/18 by Chase Bank branch in XXXX Illinois by Branch Manager MrXXXX XXXX XXXX at XXXX XXXX XXXX including US Mail offer from Chase and other documents

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
all the money is paid off and its still not updated on credit report agency, To get positive standards and not negative XXXX was sent to the company and my credit report is still bad negative 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 2018-07-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
all the money is paid off and its still not updated on credit report agency, To get positive standards and not negative XXXX was sent to the company and my credit report is still bad negative report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
all the money is paid off and its still not updated on credit report agency, To get positive standards and not negative XXXX was sent to the company and my credit report is still bad negative 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 2018-07-20 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: On-Site Manager, Inc.
State: TX

Complaint narrative:
Leasing Desk is incorrectly report data provided by XXXX that is incorrect. It has that I have rental debt from Oregon in which I haven't lived. I have resided at XXXX XXXX XXXX, XXXX Texas XXXX for 3 1/2 years. Yet they are reporting rental debt for 8 months ago. In which I was living in texas. My husband is XXXX at XXXX XXXX, Texas and has been there for 3 years. I also have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
My insurance paid this bill in 2013, the year it was filed. This bill is from 2013 and all of a sudden it appears as a collection with no written notice at the time of trying to purchase a house. Amount is XXXX , collection company is paramount recovery systems. My insurance contacted them, with me on the line, to give them information of the bill being paid and they will not take it off. My insurances has since sent me the statements of where it was paid in 2013. I can not get a hold of said dr. And hospital has nothing on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I had an investment in an IRA fund that went out of business. The company sent me a check. I opened an account with Citizens Bank {$34000.00}. The rate was to low so I decided to move that money to another IRA account with better rates. Citizens Bank DID not advise me that funds could not be moved twice in a year with out a government penalty. I was issued a XXXX. I called Citizens to try to resolve the problem.. Citizens bank claimed I told the bank manager I was using the fund for home improvements. Just a made up lie. I put the money in another IRA account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital one credit card keeps sending me cards I did not open or want or agree to and theyre showing up on my report like I opened these accounts these cards need deposits to open so therefore I did not agree to them so I do not think its fair that it showing up on my report it looks bad on reports and hurts my score please help I have never use them or agreed to account to be opened especially when you need a {$200.00} deposit to open So therefore I declined and it still showed up that I open the account but as you can see I never used it so it should not be on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 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: NV

Complaint narrative:
An account ( XXXX XXXX XXXX ) that has been investigated and deleted by XXXX and XXXX is still being reported by Experian, after disputing multiple times on XX/XX/2018, XX/XX/2018, XX/XX/2018, & XX/XX/2018 and never receiving a response I've decided that a complaint is necessary. This account is inaccurate and falsely reporting the wrong address and date and I've sent documents supporting the inaccuracies and requested for proof or validations of the account and I've never received anything back from Experian because of this the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file according to the FCRA and has been removed from my credit report held by XXXX and XXXX I am requesting that Experian follow the FCRA Guidelines and the item be deleted. Please follow suit and delete this account for accurate reporting as soon as possible.

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 2018-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ABR Recovery Services LLC.
State: CA

Complaint narrative:
XXXX, I am enclosing a response from ABR Recovery Services LLC stating an Account # XXXX from XXXX that is allegedly owned by me. Please verify this account as belonging to me along with date opened, date closed/charged off, date of 1st delinquency and amount. I have no records of this account that they claim has a date of delinquency or charge off of XX/XX/XXXX. I maintain that I have not had an XXXX card since XXXX and this account does not belong to me. Please read the response below from ABR Recovery Services LLC and verify the accuracy. Thank you : To Whom It May Concern : Mr. XXXX is referring to a different account number. ABR Recovery Services, LLC account number for XXXX is XXXX the open account is XX/XX/XXXX, and charge off account is XX/XX/XXXX. Mr. XXXX tried to remove himself from XXXX two times. Thank you In response to ABR Recovery Services, I do not know what XXXX is and all I am trying to do is fix inaccurate information that may have been sold to you. XXXX is the original creditor and I will await their response to this matter. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mendelson Law Firm
State: MS

Complaint narrative:
I have a medical bill turned over to this company twice by the same hospital. The first time I received a forwarded letter from an old address that they had taken me to court and were going to garnish my wages. Not to mention the fact that the only reason I owed this debt is because the hospital did not file the claim in a timely manner with the correct insurance company. I tried to explain this but was told that I had to pay it anyway. I set up payment arrangements, updated all of my information. 
Just recently I received another forwarded letter that I had missed a court date and they were going to garnish my wages. Keep in mind that this company has all of my updated information. The hospital does as well. Yet it was still sent to an address that I have not lived at in more than 18 months. Once again the hospital did not file the claim in a timely manner with the correct insurance company. So now I've missed 2 court dates that I had no clue about and my wages are in the process of being garnished. Mendelson informed me that there was nothing I could do but pay the claims. I do not think this is fair or correct. Especially when this company was very well aware of where I live, my phone number, and where I work. Of course, they didn't have a problem filing garnishment with my employer. Yet didn't feel the need to update my information so that I could show up to a court date and dispute my case. I do have letters from my primary and secondary insurance companies showing that I had insurance and that nothing was filed on the dates that I am being garnished for.

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 2018-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY SERVICER THE MONEY SOURCE, I HAVE PROVIDED ALL DOCUMENTATION AND ON XX/XX/18 THEY HAVE INFORMED ME THAT MY REQUEST WAS CLOSED OUT DUE TO THE XXXX NOT HAVING MY PHONE NUMBER ON IT. I CONTACTED THE IRS TO ENSURE THEY NEED A PHONE NUMBER ON THE XXXX AND THEY SAID NO, THAT IS OPTIONAL. THIS MEANS THAT THE MONEY SOURCE IS TAKING UPON THEMSELVES TO GENERATE GUIDELINES THAT HAVE NOTHING TO DO WITH FEDERAL GUIDELINES. I HAVE A SALE DATE ON XX/XX/18 WHICH THEY SHOULD HAVE POSTPONED DUE TO BEING COMPLIANT WITH ALL DOCUMENTATION, THEY ARE STATING THAT THEY WILL NOT REOPEN MY REQUEST DUE TO I THE PHONE NUMBER WAS NOT ON THE XXXX. THE REPRESENTATIVE I SPOKE TO XXXX EVEN WENT AS FAR AS STATING THAT THE MONEY SOURCE WAS NOT GOING TO TAKE THE XXXX BECAUSE I TYPE MY NAME, ADDRESS AND SOCIAL SECURITY INSTEAD OF HANDWRITING IT IN.. THIS IS OUTRAGEOUS THAT I AM GETTING CLOSE TO LOSE MY HOME DUE TO THE MONEY SOURCE HAS NO TRAINING ON FEDERAL LAWS!! I REQUESTED FOR A SUPERVISOR AND WAS TRANSFERRED TO XXXX XXXX ID XXXX AND HE STATED THAT HE WILL NOT DO ANYTHING AS HE DOES NOT KNOW ANYTHING.. HOW DOES THIS HAPPEN?? ALL HE KEEPS SAYING IS TO SEND A XXXX EVEN THOUGH IT IS THERE AND WAS CONFIRMED. I WILL NOT BE A VICTIM TO UNEDUCATED INDIVIDUALS THAT SHOULD NOT BE WORKING FOR A SERVICER THAT WAS NO TRAINING ON MORTGAGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  listed three key factors that adversely affected my credit score ;  two of them were : Proportion of balances to credit limits is too high Amount owed on accounts is too high These are false. My combined credit limits ( on two cards ) is over {$32000.00}. On XX/XX/XXXX, when the credit report was run, their balances were XXXX. XXXX dollars, XXXX cents. For as long as I've had those cards, they have been paid off in full, on time or early. 

Experian and XXXX  listed these factors as well. 

Please advise.

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 2018-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In 2016, Navient incorrectly withdrew the monthly payment for my loan twice in a month after I had been enrolled in their automatic deductions for 6 years. I challenged the duplicate payment with my bank and confirmed that Navient had permission to continue making the normal monthly withdrawals. Navient then disabled autopay for my account and has since refused to reinstate it for that bank account, demanding that my bank send a written letter with my account information to them ( which would be a violation of my bank 's privacy policy ). I then attempted to send written checks to the address listed on the website ; it appears to be the wrong address, as each of the checks I sent was returned to me as a refund from the US Treasury. Navient 's customer support has been unable or unwilling to give me the correct information to make payments, but calls me daily asking for payments even after I have repeatedly asked them to give me an alternate address for mailing checks or to restart autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: PA

Complaint narrative:
XX/XX/2009 the schoo is closed down and charge all this money and never got anything out of it. {$3000.00} they are saying i owe grate lakes but the school closed Call Us Call : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC, I am enclosing a response from XXXX XXXX XXXX XXXX stating an Account # XXXX from HSBC that is allegedly owned by me. Please verify this account as belonging to me along with date opened, date closed/charged off, date of 1st delinquency and amount. I have no records of this account that they claim has a date of delinquency or charge off of XX/XX/XXXX. I maintain that I have not had an HSBC card since XXXX and this account does not belong to me. Please read the response below from XXXX XXXX XXXX XXXX and verify the accuracy. Thank you : To Whom It May Concern : MrXXXX XXXX is referring to a different account number. XXXX XXXX XXXX, XXXX account number for HSBC is XXXX the open account is XX/XX/XXXX, and charge off account is XX/XX/XXXX. MrXXXX XXXX tried to remove himself from XXXX two times. Thank you In response to XXXX XXXX XXXX, I do not know what XXXX is and all I am trying to do is fix inaccurate information that may have been sold to you. HSBC is the original creditor and I will await their response to this matter. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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:
Experian was clearly told on an account that it's a business account open 'd under tax id, still they continue to report to personal credit profile

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