vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-23 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$23000.00} on XXXX partial account number ****XXXX. ( Please see page 23 of the attached credit report. ) Number ( 1 ), this account is a business credit card account, and ( 2 ) this account should not be reporting at all on my 'personal ' credit report. Also, Equifax and XXXX  are reporting incorrect information on the XXXX partial account number ****XXXX. This account as well should not be reporting on my credit report. ( Please see pages 3 and 4 of the attached credit report. ) This inaccurate and incorrect reporting is harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have  made. It is the result of identity theft.

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 2019-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2018 I received a call from debt collector and they said I owe money for XXXX dollars on my Citi bank credit card. The have been repeatedly continued. I attended to Citi Bank branch and talked about this matter, and they said that you have no debt on your credit card. Therefore, I insured that this is a fraud and as a result I ignored the collector calls. Now, I received a letter from them, after 10 months. The letter shows that I owe them {$2200.00}. 
I called them on XXXX and talked with lady whos name was XXXX. She asked me my new address and cell phone number, in order the specific department, which handles my case, reaching out to me. But she refused to give me more details and the department name and contact information.

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 2019-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
My XXXX account on XXXX XXXX has 2 medically related debts. From XXXX XXXX. of XXXX. 1in amount of {$150.00} & 2nd in amount of XXXX . 
This is a medical debt and I always had insurance. I had XXXX and XXXX at this particular time because I was put on XXXX. 
XXXX in XXXX XXXX removed the bill for $ XXXXbut not the {$150.00}. 
This is a billing error with XXXX XXXX XXXX and bill is getting resubmitted

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 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: TX

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$23000.00} on XXXX partial account number ****XXXX. ( Please see page 23 of the attached credit report. ) Number ( 1 ), this account is a business credit card account, and ( 2 ) this account should not be reporting at all on my 'personal ' credit report. Also, XXXX and Transunion are reporting incorrect information on the XXXX partial account number ****XXXX. This account as well should not be reporting on my credit report. ( Please see pages 3 and 4 of the attached credit report. ) This inaccurate and incorrect reporting is harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-09-23 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: TX

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$23000.00} on XXXX partial account number ****XXXX. ( Please see page 23 of the attached credit report. ) Number ( 1 ), this account is a business credit card account, and ( 2 ) this account should not be reporting at all on my 'personal ' credit report. Also, XXXX  and  XXXX are reporting incorrect information on the XXXX partial account number ****XXXX. This account as well should not be reporting on my credit report. ( Please see pages 3 and 4 of the attached credit report. ) This inaccurate and incorrect reporting is harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hauge Associates, Inc.
State: NE

Complaint narrative:
My name is XXXX XXXX, I am writing you because it has been brought to my attention that you are listed as the collection agency for an account I am not familiar with. This negative information is being reported to the credit bureaus and severely impacting my ability to purchase a home. This is my formal attempt to do 2 things validate the debt and settle it.

The account you are attempting to collect is a school related debt and I did not attend any post secondary education during the time in which you are reporting the account as originating. So that means only a few things, either you have intentionally re aged this account to cause more damage to my credit report, the information you are reporting is inaccurate, or it does not belong to me.

It is my strong concern that I may not actually be financially  responsible for this debt.For my recordkeeping, please provide a copies of original statements showing how the balance was accrued. Additionally, please provide copies of the original contract showing that I am financially responsible for the debt. I am a previous victim of identity theft and have had my information compromised in a data breach. I would like to verify that the documents bare my actual signature and not a forged one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUION XXXX AND XXXX HAS SOME INQUIRIES ON MY CREDIT REPORT. THAT ARE NOT MINE. 

XXXX XXXX-NOT MINE. PLEASE DELETE XXXX XXXX-NOT MINE. PLEASE DELETE XXXX XXXX XXXX-NOT MINE. PLEASE DELETE XXXX-NOT MINE. PLEASE DELETE

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 2019-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: MT

Complaint narrative:
Payday loan struggling to pay off and they helped by refinancing and now I have more to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: WA

Complaint narrative:
We originally tried to contact hunter Warfield by mail in XXXX of 2019 by mail. I have receipt of delivery but never received any information from them. After waiting 30 days to receive a letter from them I assumed they would not mail an invoice. This was listed on my XXXX credit report and I filed with XXXX  to validate the debt. XXXX did validate the debt and said it was owed. I then tried to contact Hunter Warfield by phone to ask them to send an invoice about the debt. Hunter Warfield stated they would not send us an invoice until the debt was paid. This seemed odd to me but we were trying to get our home refinanced at the time so we were between a rock and a hard spot. I paid this debt by credit card so I could receive a receipt. Even after payment they made me wait for a 24 hour waiting period before they would send receipt of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I purchased a new vehicle initially financed through XXXX   XXXX! At the time of purchase I told the new car salesperson at XXXX XXXX in XXXX XXXX Michigan I had autmobile insurance with the XXXX XXXX XXXX XXXX who I have been insured with since XX/XX/XXXX. This transaction was in XX/XX/XXXX. The salesman, instead of calling XXXX to transfer insurance from the vehicle I XXXX in, apparently had a friend --?? 
who would give him " Proofs of Insurance '' so the dealership could issue license plates and register the vehicle. This friend fraudulently purchased insurance-which I never applied for -- with an insurance company called XXXX who remained on my Credit History and effected what I had to pay at the time I traded in the car I owned, bought at XXXX XXXX, initially financed through XXXX XXXX, and transferred without my consent to Ally Financial. When I traded in the vehicle I purchased resulting in an Ally Financial Account there was some comprehensive damage sustained when someone hit my vehicle while I was shopping at XXXX XXXX XXXX in XXXX, MI. I notified my automobile insurance company, XXXX, of the loss. When I traded in the vehicle, XXXX told me they paid off all monies owed to Ally as part of their payment of the comprehensive damage claim. I was told by Ally today they sold my vehicle at auction for $ XXXX- WHICH I WAS NEVER NOTIFIED OF THE ALLEGED SALE- I TRADED THE VEHICLE IN AND THOUGHT XXXX  a/k/a XXXX XXXX XXXX   XXXX XXXX XXXX , paid off any monies owed to Ally when I traded the vehicle in and purchased a new vehicle. Ally should not be reporting me as having a vehicle loan that was charged off. Firstly the initial sale was fraudulent, XXXX knew and when Ally assumed the loan from XXXX they should have known. Next I thought the Ally loan was paid off by XXXX when I traded the vehicle in to purchase a new car. I called XXXX today because I applied for credit and was denied because of the Ally loan adversely reporting. This reporting is wrong because the initial loan was fraudulent, and the balance was timely paid in full by XXXX. Please have Ally remove the adverse reporting to the three Credit Reporitng Bureaus-XXXX ; XXXX, and 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 2019-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
This past XX/XX/XXXX I received a letter out of nowhere, dated XX/XX/2019 from the PMS collection company I'm filing this complaint about. Immediately I contacted the original creditor XXXX XXXX XXXX XXXX to find out what it was. When they gave me the date of service I told them it was impossible as I was out of the country. They stated after I forwarded my passport that they would cease and desist their collection efforts as there must have been incorrect data entry/ error on their part with another consumer/ patient. In XX/XX/XXXX I went to get preapproved for a home loan when I found out that the same outside collection company had reported the collection account to my credit bureaus. After calling XXXX XXXX XXXX again, I was told that they had requested months earlier that the PMS collection company send it back and to stop collecting. Then I called the bureaus and they filed a dispute for removal. PMS collection company verified twice that these debts are valid to the bureau and refuse to remove it from my credit or send it back to the original creditor. I'm confused and don't know what to do next as the credit bureau tell me that PMS collection company is the only entity that can remove these collections because they are the ones reporting these collections. Help!, I want to buy a property by the end of the year and I don't want to deal with a collection company that only is concerned about getting money. 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 2019-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC
State: CO

Complaint narrative:
webcollex llc dba cks financial has refused to provide proof of debt per law! 
webcollex llc dba cks financial has refused to provide signed contract per law! 
webcollex llc dba cks financial has never provided notice of debit or followed any laws related to debt collection. 
XXXX XXXX XXXX says original debt is not theirs per - cfpb complaint XXXX-XXXX  so confirming not a valid debt and Webcollex is lying!!!!! 
Original complaint XXXX-XXXX response was not acceptable, just saying that they confirmed the debit IS NOT PROOF OF ANYTHING!!! They could NOT have confirmed debt because XXXX XXXX already confirmed the debit is not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: IL

Complaint narrative:
I called my realtor to apply for a new place to live. When they ran my credit, I was told that there were several Items that would prevent me from being able to be approved. When I saw what was on my report I was very shocked and upset. There are several things on my report that don't belong to me. As a result, I contacted the local police and FTC. XXXX/XXXX   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 2019-09-23 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: CA

Complaint narrative:
Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BC SERVICES, INC.
State: WI

Complaint narrative:
While visiting Co in XX/XX/XXXX I became sick, went to XXXX Hospital on XX/XX/XXXX and was diagnosed with XXXX XXXX. The hospital ran a XXXX XXXX, gave me XXXX, told me to go to XXXX which is lower altitude and I will be ok. The next day we packed up and drove to XXXX and I had no breathing issues. While at the hospital we gave them our insurance card and they made a copy of the card to submit the bill to. On XX/XX/XXXX I receive a bill from XXXX stating that I owe {$4500.00}. I proceed to call XXXX and send them a copy of the EOB showing the negotiated price and that I owe {$640.00} of which I already paid {$500.00}. Below is a listing of dates, times and people I talked to. I have NEVER received any further communication from XXXX since XX/XX/XXXX. This weekend XX/XX/XXXX I receive a notice from BC Services , Inc XXXX XXXX XXXX XXXX CO XXXX XXXX ( Acct # XXXX ) stating I owe them {$4500.00} and I need to pay this immediately. I called BC Services twice today talked to XXXX XXXX @ XXXX and she told me I need to call my insurance company and have them call BC Services. I called my insurance company and due to privacy laws ( thank God ) they can not talk to BC regarding my insurance. I did email over an explanation of benefits to BC Services showing the bill being paid. I later call BC Services and talk to XXXX XXXX @ XXXX and she explained that an EOB is not good enough and I need to pay BC Services. 
I then called XXXX Hospital at XXXX and talked to XXXX in billing and he stated that I owe no money to XXXX  and that they never sent anything to BC Services and they are not sure who that even is. That lead me to believe that BC Services could be a  fraudulent company? I am concerned as I do not want my good credit score being affected by this possible fraudulent company. I turned to you because that's the information I found on the internet. 
Thank you XXXX XXXX XXXX, XXXX Conversation with XXXX : XX/XX/XXXX XXXX, he stated call back in a week, he will look into the EOB XX/XX/XXXX XXXX @ XXXX XXXX ( billing company for XXXX ) she states to call back in a week XX/XX/XXXX called XXXX XXXX back and talked to XXXX and XXXX at XXXX and they stated they never submitted the claim so they sent it to XXXX. again. Really the claim was submitted and paid in XX/XX/XXXX. 
XX/XX/XXXX called XXXX XXXX again and talked to XXXX who in turn forwarded the information and EOB to her supervisor who never called me back. 
( XXXX XXXX # XXXX ) Time goes by with no bills or statements ... 
XX/XX/XXXX I receive notice from BC Services that I was sent to collections. I send them the EOB ... .The above story explains that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: GA

Complaint narrative:
I was denied a personal loan through my bank because of bad credit I have been at my bank for over 12 years and was confused, When my credit report was pulled, I noticed several things that dld not belong there because It wasn't me. I got the police department and FTC involved. XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2019-09-23 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was not in XXXX when the charges occurred, to prove that I am sending you copies of every page of my passport, which I have placed on today 's newspaper to prove the pictures were taken today. 

You provided me with several sales drafts, none of the signatures on the drafts, of which many were not signed, matched my signature. 

How could I be present to make charges, as you allege, when I was not in that country and provide unimpeachable evidence to prove I was not there?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: CA

Complaint narrative:
Equifax and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has shared my credit report with leasing company which has inaccuracies. When i called them 6 times to get the report fixed or file disputes, they first could not pull out my report when eventually a guy named XXXX did. He refused to share any information with me. 
Also the website is supposed to allow me to register and dispute inaccurancies online but this company refuses to do even that. 
I have wasted at least 3 hours with them but no help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Received notification from Cavalry on XX/XX/19 in reference to an alleged balance owed to XXXX for {$1900.00}

Company response to consumer: Closed with explanation