vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Arnold Scott Harris, P.C.
State: IN

Complaint narrative:
Received letter from Atty., Arnold Scott Harris, alleging that I held negative ticket balances, pertaining to the XXXX XXXX XXXX-Department of Finance for parking tickets in amounts of {$34.00}. Mr. XXXX letter states administrative judgment. I am unknowing of any debts, I paid the XXXX XXXX  XXXX balance of {$1300.00} in XX/XX/XXXX for tickets issued through his office of XX/XX/XXXX. License reinstated in XX/XX/XXXX after final payment to his office through his representative. Fraudulent attempt from Mr. XXXX to collect for invalidity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
After losing my husband, my income took a significant nose dive, at which time I began getting behind on my payments. I applied for a Modification but it was denied on XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX  ( HUD ) to assist me. On XX/XX/XXXX, I received a call from someone identifying themselves as the legal department of my mortgage holder, advising me that my Modification had been granted and would decrease my monthly mortgage from {$2500.00} to {$1600.00}. I was estatic, Screaming, jumping around, and thanking him all at the same time. I was asked to pay {$1800.00} immediately, which would allow him time to do all the paperwork, in the meantime I was advised that my new payment of {$1600.00} would start on XX/XX/XXXX. In addition I was told not to call my mortgage holder, because he would be serving my accountt from now on. I was then asked when would I be paying the {$1800.00}, I responded I could pay {$1200.00} now and the balance on XX/XX/XXXX. I told him that he had my banking information already. He replied I dont have it I thought perhaps I needed to slow down. I called XXXX and told her the story as it was told to me. She asked if it was ok if we could do a conference call so that she could ask questions. So, called the legal department, and She asked the questions, and when we hung up from him, she said SCAM I then called my mortgage holder, who also said SCAM To be honest about it, Im so angry with them because I would have easily payed the {$1800.00}, Which would have made me lose everything. Ive kept all their voicemails. Unfortunately when youre desperate, its quite easy to try and grab a life jacket. 

Im a XXXX senior, and these guys are preying on people that are already stressed out. My mortgage holder, didnt do anything even knowing that these crooks were using their name. When I receive a call from the legal department, my mortgage holders name appears on my ID. 

Its difficult for me to turn and walk away because I know someone will lose their home in this manner. I have advised the legal department that Im interested in the modification, so their pushing forward because they smell my money. I just dont know, how to push forward and get this information to the right person or agency that could catch these CROOKS. Hopefully, you can point me in the right direction. XXXX gave me 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 2019-02-19 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: VA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, ( Original Creditor : ) XXXX and ( Original Creditor : ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX/XXXX XXXX, XXXX/XXXX XXXX and 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 2019-02-19 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: PA

Complaint narrative:
XXXX will accept new business on any day of the year and calculate initial billing according to the start of service date. However, when customers transfer service to other providers, XXXX has a 'sore loser ' practice of overbilling exiting customers on their final bill and a practice of refusing to make corrections to the bill. Their practice is to bill exiting customers for an entire month of service no matter what day of the billing cycle the customer cancels service. This can not be legal for them to bill exiting customers for products or services they do not provide. For instance, if I cancel my service with XXXX 5 days into the new billing cycle then I should fairly be billed for those 5 days on my final bill. However, their practice is to charge outgoing customers for a full 30 day billing cycle no matter the day of cancellation and invoice all sorts of inaccuracies on the final bill. Apparently, there is such a huge volume of mobile service accounts that become collection issues that the major credit bureaus very freely accept anything the major mobile service providers report as no burden of proof is placed on them to show what products or services the reported balances are for. I have disputed their false charges several times and they simply need to send any of the major credit bureaus a one page - one line bill that reads 'charges ... .... $ xxx.xx ' and the credit bureaus deem it valid. I'm sure the major credit bureaus are not out for accuracy either because they're doing well from these false, unethical billing practices used by the major mobile service providers. There needs to be a consumer protection intervention because accuracy and ethics have gotten swallowed up by the mountain of mobile service transactions in commerce and consumers are getting trampled by sloppy, inaccurate and egregious billing practices. I really hope someone takes time to look into the magnitude of this problem. Thanks for any help you can provide!

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 2019-02-19 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: VA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX/XXXX  XXXX, XXXX/XXXX  XXXX and 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 2019-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Enterprise Systems, Inc.
State: NC

Complaint narrative:
I received a letter from National Enterprise Systems on XX/XX/2019 stating XXXX was going to collections because there was an account by XXXX XXXX XXXX . I never initiated and or applied nor received or purchased anything from this company. I am a victim of identity fraud. They also initiated several hard inquiries over the years gone unnoticed.

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 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax has continuously denied me access to my free annual credit report for several years after I submitted my social security number and answered correctly any questions to confirm my identification most recently on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Ive disputed unauthorized accounts with Experian on several occasions. I have been submitting disputes asking for validation since XX/XX/XXXX. I started my most recents dispute this year. I submitted a dispute on XX/XX/XXXX regarding my accounts and I received the dispute update the next day saying most of the accounts have been verified. I received the final results on XX/XX/XXXX. I resubmitted another dispute involving the same accounts on XX/XX/XXXX and I receive the results back XX/XX/XXXX saying the accounts had been verified. I resubmitted the disputes on XX/XX/XXXX and received the verified results on XX/XX/XXXX. I submitted my last dispute attempt on XX/XX/XXXX at approximately XXXX XXXX and I received my results at approximately XXXX XXXX. They are not completing the investigation throughly within that timeframe. At the point, I contacted Experian and asked whats being used to verify these accounts and the rep hung up in my face. These accounts have been removed from my other credit reports so I need to know why Experian is constantly reporting these accounts as accurate. According to the FCRA rules, 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be INVESTIGATED and if you do not investigate and respond the CRA must delete the disputed information from its files. That fact that Ive been receiving my results back under 24 hours, one can assume that their was no investigation in that matter. I am submitting his complaint due to the lack investigation into my original dispute with Experian. I did not authorize those accounts. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2019-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: HI

Complaint narrative:
To whom it may concern I am filling a complaint against XXXX XXXX XXXX. Before the harassment began they never read me my mini Miranda right provided by the fair trade act nor told me I could dispute the collection account. After nearly two years of harassing phone calls and mail they finally stopped contacting me but now Im calling them to try to validate and settle and no answer nor contact back. Its almost as if they have disappeared and its still on my credit 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 2019-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied and received a XXXX XXXX American Express card. Their brochure specifically states that if I purchase a flight on XXXX using this American Express card, I would receive my first bag checked in free. On XX/XX/2019 I flew from XXXX XXXX to XXXX XXXX on XXXX and since I used my Amex card, I got my bag checked in for no additional charge. Now on my return flight, they insisted on charging me for my bag ( I carried it instead ). The main reason to get the XXXX Amex card was for this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: AES/PHEAA
State: VA

Complaint narrative:
On XX/XX/2018, my application for discharge of my federal student loan was approved on the basis of my XXXX XXXX XXXX XXXX, and canceled my obligation to repay the remaining balance. Please see attached letter. The letter states that a total of {$300000.00} was discharged.

Following my receipt of this letter XXXX XXXX and XXXX reported that the loan was closed and reflected a XXXX   balance. This raised my credit score to over 800 and " Exceptional. '' XXXX continued to reflect the balance was over {$330000.00}. I filled two disputes with XXXX. Both times the results came back with a higher balance and lowered my credit score by more than 30 points. When I called XXXX they said I needed to deal with the lender ( XXXX XXXX ) directly. When I called XXXX, they said, " The process takes a very long time, but the loans have been discharged. '' Now All three credit bureaus reflect the XXXX account is open, with a balance of {$330000.00}, which is higher than what my XXXX balance relfects on XXXX 's website - {$330000.00}, which has not changed since XX/XX/2018, and is in fact incorrect.

My question and complaint is, how and why did the account show closed and a XXXX balance with XXXX XXXX  and XXXX  and never with XXXX?

Why now, do all three agencies report a balance of {$330000.00}, causing my credit scores to drop considerably, when in fact the loan has been discharged since XX/XX/XXXX and a balance of XXXX should be reflected on all three credit reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
I am writing to you to complain about Common Wealth Financial Systems XXXX XXXX XXXX, XXXX XXXX, PA XXXX. I have found adverse account information listed on my credit reports, XXXX, XXXX  and XXXX. I have no known or verified accounts with this business and after repeated verification request Common Wealth Financial Systems has not responded to my certified letters and continue to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to XXXX, XXXX, and XXXX  as recent as XX/XX/2019. Common Wealth Financial Systems has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of {$1100.00}. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact Common Wealth Financial Systems multiple times via registered USPS certified mail with return receipts which prove Common Wealth Financial Systems has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Common Wealth Financial Systems has misrepresented this account by changing various account information, such as account number and account type. This account has been blocked from my credit reports with all three major bureaus in the past due to identity theft. This is the reason they are changing various account information. I know Common Wealth Financial Systems is well aware of my identity theft status and they are in receipt of my most recent documentation they received with signature conformation on XX/XX/2019. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: Monterey Financial Services LLC
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, a representative from XXXX XXXX XXXX signed for a certified letter containing a dispute for a collection account they are reporting on my credit reports ( XXXX, XXXX, and XXXX ). On XX/XX/XXXX, they sent back a letter attempting to verify, but did not send any verification documents. I also sent another letter requesting verification, in which an individual signed for on XX/XX/XXXX at XXXX XXXX. They did not respond to the letter and they also did NOT mark the account as disputed within 30 days as required by law. They have not followed the guidance required by law per the FCRA and the collection need to be deleted from ALL of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax contacted XXXX XXXX XXXX  stating I filed a fraud complaint with their agency disputing a credit line of {$300.00} opened without my authorization which is false. XXXX XXXX XXXX suspended all access to account paid on time. 

Equifax acts resulted in closure of a good account while I am in a mortgage purchase process with a closing date of XX/XX/2019. XXXX XXXX XXXX will not reopen account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX, XXXX # XXXX My phone is XXXX Email XXXX Two XXXX XXXX Credit Cards settled closed : XXXX XXXX Card # XXXX ( First date of delinquency XX/XX/2011 ) XXXX XXXX Card # XXXX ( First date of delinquency XX/XX/2011 ) Two XXXX XXXX Credit Cards settled closed : XXXX XXXX XXXX # XXXX ( First date of delinquency XX/XX/2011 ) XXXX XXXX Card # XXXX ( First date of delinquency XX/XX/2011 ) These items are more than 7 yrs. old they should be updated and removed from my Equifax credit report See Attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: VA

Complaint narrative:
On XX/XX/2018, my application for discharge of my federal student loan was approved on the basis of my XXXX  XXXX  XXXX  XXXX, and canceled my obligation to repay the remaining balance. Please see attached letter. The letter states that a total of {$300000.00} was discharged. 

Following my receipt of this letter Trans Union and XXXX  reported that the loan was closed and reflected a XXXX balance. This raised my credit score to over 800 and " Exceptional. '' XXXX  continued to reflect the balance was over {$330000.00}. I filled two disputes with XXXX. Both times the results came back with a higher balance and lowered my credit score by more than 30 points. When I called XXXX  they said I needed to deal with the lender ( XXXX XXXX ) directly. When I called XXXX, they said, " The process takes a very long time, but the loans have been discharged. '' Now All three credit bureaus reflect the XXXX account is open, with a balance of {$330000.00}, which is higher than what my XXXX balance relfects on XXXX XXXX website - {$330000.00}, which has not changed since XX/XX/2018, and is in fact incorrect. 

My question and complaint is, how and why did the account show closed and a XXXX balance with Trans Union and XXXX  and never with XXXX? 
Why now, do all three agencies report a balance of {$330000.00}, causing my credit scores to drop considerably, when in fact the loan has been discharged since XXXX XXXX and a balance of XXXX should be reflected on all three credit reports?

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