vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Northstar Location Services, LLC
State: WV

Complaint narrative:
All of my student loan debt ( federal and private ) were pulled together ( consolidated ) several years ago. These debts are currently under an XXXX plan with US dept of Ed via XXXX XXXX XXXX XXXX. One remaining private loan was paid off in full last XXXX by a cosigner and myself, to the tune of over 3 thousand dollars. I have repreatedly requested XXXX, and any and all companies they have turned my debt over to, prove this dept to me. No proof has come forth and now this mystery debt has been bounced by XXXX to yet another debt collector, Northstar Location Services , LLC. Who has now sent a collections notice to me dated XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: TN

Complaint narrative:
I went to cosign tor my son a car and after being there for about 4 hours my son was denied for his car because of me being a cosigner. I went home and pulled my credit again and on one of those credit sites and there are some things on there that are not mine. I have reached out to the FTC and to my local police department and I am doing this all on my own. These need to be removed XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX and there is a bankruptcy showing on my credit as well. I have never even thought of a bankruptcy. Please have these items taken off my credit Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: TFS FINANCIAL CORPORATION
State: CA

Complaint narrative:
My compliant is against Third Federal Loan and savings, account # XXXX. I disputed with this company a wrong payment that they included in my reports. The letter was sent XX/XX/2019 and this company failure to mark my account as disputed, failure to dispute my account, breach my contract by reporting wrong information, failure to provide notice of late payment and the list of violations goes on. They have on my reports a 30-day late payment for an estimated amount of {$40.00} that they say they receive that adjustable payment. I receive a phone call from them and I paid them by the phone the amount that they were requesting. Not only did they place the late payment ( even though it was pay ) but they reported it in the month of XXXX instead of XXXX. Im attaching here the letter I sent back on the XXXX of XXXX with a copy of an SC-100 that will filed through the secretary of state of California since they dont have a serving agent in California even though they make business here. Im respectfully requesting you as a loyal costumer that I have been with you to remove late payment from all 3 reports as soon as possible. In the event that this does not happen legal actions would be taken here. I dont want a XXXX from XXXX XXXX  I just want them to fix their error as soon as possible because its affecting my finances. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Working with Bank of America on refinancing my mortgage led to inquiry in my credit score. The refinancing did not meet the goal I had but the inquiry led to decrease in my credit score impacting the ability to refinance with another lender.

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 2019-07-13 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: CA

Complaint narrative:
Two creditors agreed to remove erroneous negative information from my credit report. 
They both sent me deletions letters last year as well as sending Experian an update request. 

Your company failed to update those accounts and in addition, when I recently disputed the accounts and provided the brueau with the deletion letters, but they came back and responded in 4 days time that the account was verified. 
I just called both furnishers who assure me that the bureaus never tried to verify the information from them.

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 2019-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ZWICKER & ASSOCIATES
State: NV

Complaint narrative:
There is an old debt from 2011 that Zwicker and Associates, P.C. ( XXXX. XXXX XXXX XXXX, MN XXXX ) had filed and sued me in another State without my knowledge to complaint. The debt is too old for law to allow for any sued to be done now. They constantly send people to my ex-wife 's house or call my number or my ex-wife 's house threatening with wage garnishment or collections. I have had nemours conversation with them to stop harassing my kids and my ex-wife but the harassment continues. I just want the daily calls to my family to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: GA

Complaint narrative:
went to see a doctor for general appointment in XXXX XXXX hospital in XXXX XXXX on XX/XX/XXXX. I confirmed before going that it was covered in my insurance. I paid XXXX $ copay when I went there, hospitaldid my x -ray without giving me any estimate and without asking. I asked for estimate and I I was told that I will have to pay only co pay. On XX/XX/XXXX I was shocked to see {$350.00} bill from hospital. I wrote a certified letter to XXXX XXXX XXXX hospital on XX/XX/XXXX ( attached ) mentioning above details and never got any response. Instead of reply I received letter from Collection company on MEDICREDIT XX/XX/XXXX. Again I wrote letter with certified mail to Medicredit on XX/XX/XXXX ( copy of letter attached ) and wrote that charges are not valid and asked them to send me documentation, agreement and other information asked in letter. But they never replied and sent me collection notice again on XX/XX/XXXX without providing me documentation any information. I sent again certified letter on XX/XX/XXXX with copy of my earlier letters sent to XXXX XXXX XXXX hospital and to MEDICREDIT and asked them again to send me verification agreement / documents that there is valid basis for claim. But again they did not provide and documents and harassing me by calling and sending collection notice. I am finding myself helpless in this situation. 
XXXX and Medicredit does not have any verification documents and threating me to report it on my credit file. Please help me to resolve this issue and take strict action against malpractice of Hospital .I REPORTED THIS AT CFPB WEBSITE Compaint number XXXX AND MEDICREDIT REPLIED ON XX/XX/XXXX THAT THIS CASE IS NOT WITH TEM, THEY RETURNED ACCOUNT TO XXXX HOSPITAL.. BUT TODAY I CHECKED MY CREDIT REPORT AND IT WAS REPORTED ON MY CREDIT FILE BY XXXX. Medicredit lied .because they were unable to produce proof. Company did not follow The Fair Debt Collection Practices Act ( FDCPA ).

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 2019-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My account was overdrawn due to an atm withdrawal and another company that kept trying to take an auto payment out. Which I was then charged a nsf and return charge payment. I banked with Wells Fargo since 1996. The past two years I believe I incured over a hundred overdraft fees. They closed my account from being negative XXXX. And almost all of it was for fees that they charged me. They closed my account and didn't notify me. When I called them they sent me a letter to only contact this one person and to have my attorney contact them. Which I do not have.

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 2019-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I submitted a dispute via XXXX XXXX in regards to an account that had been opened that I was not responsible for : XXXX XXXX - XXXX XXXX of XXXX - opened on XXXX XXXX XXXX in the amount of {$1000.00}. I moved from XXXX, XXXX to XXXX XXXX, XXXX  in XX/XX/XXXX, of which I was and still am able to prove. On XX/XX/XXXX the investigation was completed and the result was in my favor : XXXX  deleted the account on record from my credit report. I went online today to see about what I can do to build my credit and I noticed that a new account has been added in the amount of {$1000.00} so I opened it to see into the details of the account and sure enough it is the same account, except now it's through a *different collection agency and has a **new open date : XXXXPhoenix Financial Servic XXXX XXXX XXXX of XXXX - **opened on XX/XX/XXXX in the amount of {$1000.00}. It is my understanding that this practice is called Re-aging / Re-insertion and is illegal. I have opened a dispute with XXXX XXXX for a 2nd time and I will follow through on that end, but I want to pursue all avenues to clear my name and record and hold these agencies responsible for the negative impact to my Credit Report & Score in addition to the likelihood that I'm not the only victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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:
Two creditors agreed to remove erroneous negative information from my credit report. 
They both sent me deletions letters last year as well as sending XXXX  an update request. 

Your company failed to update those accounts and in addition, when I recently disputed the accounts and provided the brueau with the deletion letters, but they came back and responded in 4 days time that the account was verified. 
I just called both furnishers who assure me that the bureaus never tried to verify the information from them.

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 2019-07-13 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: CA

Complaint narrative:
FOR MONTHS I HAVE BEEN SUBMITTING DOCUMENTS TO EQUIFAX TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. PLEASE NOTE THAT I HAVE SENT THEM MY IDENTITY THEFT REPORT, MAILED THEM MY POLICE REPORT. AT THIS POINT I CAN ONLY IMAGINE THAT EQUIFAX IS DOING THIS ON PURPOSE, OR THEY ARE THE ONE WHO SOLD MY INFORMATION TO THE FRAUDULENT PERSON. BECAUSE THE SAME ACCOUNT WAS DELETED FROM XXXX AND XXXX XXXX 3 MONTHS AGO. 

I STRONGLY BELIEVE EQUIFAX SOLD MY INFORMATION THATS WHY THEY ARE NOT REMOVING THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. 

I BELIEVE XXXX XXXX AND EQUIFAX ARE DOING THE FRAUD TOGETHER, THEY ARE THE ONES WHO SOLD MY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: SC

Complaint narrative:
There is an account on my Transunion credit report with at least 7 errors that I have been disputing since XX/XX/XXXX. Transunion sent me a letter on XX/XX/XXXX stating that the account was updated however there were no changes made to the account entry. I have sent them all of the necessary proof of the errors and nothing has been done. There are several FCRA violations and the credit bureaus have failed to delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
I BEEN WRITTING XXXX AND THIS COMPANY XXXX XXXX XXXX THIS IS NOT FOR ME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Over 3 years ago I applied for the PSLF program. I filled out all the paperwork and my employer signed verification forms. I was told I qualified and my loans then had to be transferred over to Fed Loan Servicing from XXXX. I didnt think there was anything wrong, as every time I called customer service, they verified my loans were on the PSLF.  Each year I would have to fill out the paperwork and as I made more each year, my payments kept going up. About 3 months ago, on a random customer service phone call, I find out my loans were never put on the PSLF program and they lied and said they never had my paperwork when I applied over 3 years ago. I was told by numerous customer service people that I would need to reapply and have my employer verify my employment and they could back track all the years I qualified. I recently got approved and my current employer of 3 years has qualified and they are telling me only 1 payment has qualified so far. I have had so many past issues with this company and now this. I was told there was no one I could file a complaint with. Im writing this now as I just read the news how the teachers are suing this company for misleading information and many issues I have been through. I would really like to take action against this company, as this is wrong to be untruthful and unlawful to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Student loan is my son 's responsibility. His late payments have affected my credit score. Navient continues to harass me. They ask personal questions ( they do not have the right to know certain information ). 

I have given them my son 's contact information. I do not want them calling me at all times of the day. 

Navient has had access to my credit scores and have lowered my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: FL

Complaint narrative:
This is the 2nd complaint about the credit bureau I am having hard time with experian report there's a free things reporting to the credit bureau and they refuse to remove it the only thing should be in m y credit report should b e my loan for my car payment XXXX XXXX co l Account # XXXX Address is XXXX XXXX XXXX XXXX, fl XXXX -- -- - this is not my account i never open a XXXX account please i asked them for proove nover was sent to me its been 60days. 

XXXX XXXX XXXX XXXX Account XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone # XXXX XXXX XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX XXXX, PA XXXX Amount {$760.00} XXXX XXXX was deleted from XXXX  & XXXX which i sent a copy of the letter i received from the company XXXX XXXX Experian still not removing this from my account XXXX XXXX XXXX XXXX the all one company different name i recieved letter from them account was delete but the credit bureau never remove them.

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 2019-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX has purchased a debt that does not belong to me from XXXX XXXX   XXXX XXXX.I have already notified XXXX XXXX XXXX XXXX that this account does not belong to me. In addition, I asked XXXX  to provide me with the original contract and full accounting for the amount claimed to be owed. However, XXXX informed me that the requested documents do not exist and that the account has been sold to XXXX 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 2019-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I had a medical bill with University of XXXX XXXX XXXX. First they did not correctly bill both of my insurances. I am not sure they have to this date. Second, I notified them I qualify for financial assistance under the IRS Section 501 and sent my income information to the business office. They turned this over to a collection agency GLA collection. I sent the same notifications to both XXXX XXXX XXXX and GLA on multiple occasions and they have reported this on my credit. Damaging my credit. Despite my repeated letters they have not attempted to resolve this. I gave them permission to speak to my mother in law XXXX XXXX. They never contacted her about this ( I am in XXXX and work ). They have been sent cease and desist letters but continue. The hospital has failed to process my financial assistance as required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: GA

Complaint narrative:
Hello I have reached out to you all about a car on my credit that is not mine. Equifax and XXXX said that this account is mine but that is not true. I saw on the billboard in my building where this attorney guy is saying he can help me with this but advised my to reach out one last time. Im trying to help my family and this has been holding me back. They need to show me where this is mine and I will take it to the next level because at the end of the day I know it is not mine. The car people name is XXXX XXXX XXXX. I have reached out to the FTC and my local police and Im doing this on my own behalf. Please remove that account off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
This debt was purchased by collection agency from XXXX. This loan was in a Chapter XXXX payment plan effective XX/XX/XXXX through a dismissal XX/XX/XXXX and ultimate close date on bankruptcy XX/XX/XXXX, AO through Trustee to roll in past due amount in bankruptcy plan in mid XXXX, repo in XX/XX/XXXX and then sold at auction. The balance is not correct, the dates being reported to CRA are also inaccurate. I have never been in contact or received communication from DeVille Asset Management prior to this being on my credit reports. This collection company, DeVille Asset Management has been in trouble with the SEC and was shut down thus they have a federal case pending. They are in a great deal of trouble that invoIlves fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: GA

Complaint narrative:
Hello I have reached out to you all about a car on my credit that is not mine. XXXX and Transunion said that this account is mine but that is not true. I saw on the billboard in my building where this attorney guy is saying he can help me with this but advised my to reach out one last time. Im trying to help my family and this has been holding me back. They need to show me where this is mine and I will take it to the next level because at the end of the day I know it is not mine. The car people name is XXXX XXXX XXXX. I have reached out to the FTC and my local police and Im doing this on my own behalf. Please remove that account off 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 2019-07-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
XXXX XXXX sold a remaining balance to a collections company for months after they had already cancelled my policy

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation