vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I submitted a loan modification package and was denied. I have appealed the denial and informed the lender I would like to do a repayment plan and my mother will assist me with repayment by buying the current mortgage and adding additional payment. I have provided the lender pay stubs from myself and my mother and was still denied. I am facing foreclosure and would like to do everything that I could to save my home. I have made some adjustments and I can afford my mortgage going forward. I dont think I was giving a review with loan mitigation department. I ask to have a chance to catch up on my mortgage, I cherish my home and will apply to the fullest to stay in my home. I am employed with XXXX County Sheriff Department in XXXX Texas. My daughter and I have no place to live if foreclosed please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: NV

Complaint narrative:
Collection dispute involving EOS CCA Date Opened : XXXX XX/XX/XXXX For an account balance of {$260.00}. 

I believe this was for a bill from XXXX XXXX in or around XX/XX/XXXX for my previous residence at XXXX XXXX XXXX, XXXX VA. My account was on auto-pay with the company at the time. I was XXXX to another state ( I am military and can produce orders of the move if asked ), and turned in my internet / cable equipment to the store at XXXX XXXX XXXX XXXX in XXXX, VA on or about early XX/XX/XXXX. 

I asked the attendant there if any additional charges would be leveraged when I turned in the equipment. He said no, but they may charge one final bill after assessing it. I said my card was on file with autopay and they could charge me via autopay. He said they would and I left. I did not know this account was overdue until XX/XX/XXXX when it was in collections and had showed up on my credit report. 

I immediately called the collections manager and told them what had happened. I would be willing to pay the amount due if they could give an itemized list of what I was charged for additionally considering I had turned the equipment in to XXXX. They said they would mail me the bill. When I received the bill it was just for the amount due. The creditor stated that I would need to call XXXX for a resolution to the issue of itemization. When I contacted XXXX, they stated that they do not handle accounts in collections. 

I do not believe the amount of {$260.00} dollars is the actual amount I owed. I turned in the equipment as required and my monthly bill was around 80 dollars a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: FL

Complaint narrative:
I am a victim of identity theft. A couple years back my luggage was lost at the airport. When my bags were finally located the suitcase with my laptop computer was never found.The laptop had all of my personal information on it including social security number, driver license number, address, my kids information etc. There are some fraudulent accounts that have showed up on my credit report over the years.

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 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Over and over I have had contact with XXXX in regards to an installment loan that they wrongfully put under my name without ever running my credit report. According to them I would be added as a card holder with no obligation on my end due to my partner having the membership with them.. after several attempts they have continuously put wrongful information under my credit report, yet completely removed the inquiry from my partners credit report on Experian. Im not understanding how its still on mine and yet I was not the main account holder ... my credit report was never allowed to be run!

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 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 2019-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
Convergent Outsourcing is attempting to collect on an account that I have no knowledge of and that I have already reported to the credit bureaus as not being my account. I have contacted them asking that they validate not verify the debt that they are attempting to collect from me and derogatorily reporting on my credit reports. I specifically requested signed contracts or other supporting documentation, the only thing that I keep receiving back is that the account has been verified which does not prove that I am obligated to pay them anything which is not the truth because this account does not belong to me. They have reported delinquent information to the credit bureaus since XX/XX/2016 I am asking be deleted.

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 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have repeatedly been into the Wells Fargo Bank branch ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) in an attempt to close my checking account. At each occasion I am told it can not be closed until I talk with the branch manager. The manager is always busy but I am told they will be available in 15 or 20 minutes. If I wait 15 or 20 minutes I will be told it will only be another 15 or 20 minutes, etc.. I have been through this at least four times now over the past month and a half. 

I believe Wells Fargo is deliberately making it difficult or impossible for me to close my account. In the meantime, they keep taking {$30.00} a month from my account. I want to close my account and withdraw my funds. I also want WFB to refund me the fees they have now charged me for 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 monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Financial Service Center of Ohio, LLC
State: OH

Complaint narrative:
Unable to make the $ XXXX/month payment asked if they could take a smaller amount like {$500.00}, they said no. They also send harassing texts and phones calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
The debt to XXXX XXXX was paid. This collection agency is trying to collect on a debt that does not exist. I told one collector on the phone that this debt does not exist and they said they did not believe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
Received a {$15.00} collection notice from this company in regards to client XXXX XXXX XXXX XXXX, when in fact, I do not owe this amount. Received services from this provider in XX/XX/XXXX for an annual XXXX, per the office staff at the front desk, I do not pay a co payment for an annual exam, the medical office billed the visit as a regular medical visit. Called medical office twice during the month of XX/XX/XXXX, was supposed to receive a call back from XXXX, this never happened, nor was any billing correction made. In, XX/XX/XXXX contacted the service number for the billing department at ( XXXX ) XXXX, was informed that someone in " accounting would look into the matter ''. One month later, no one replied back to me and rather automatically sent this small balance bill to Apex Asset Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The inaccurate employment information keeps reappearing on my credit report. Transunion continues to display inaccurate information on my report. I told them repeatedly that the information is inaccurate and they need to remove it, but they never remove information. They never even investigated it. Repeatedly put on my credit report. I'm at the point where I'm ready to file a lawsuit. This I'd documentation for me that I have gone through all the proper channels and resources available.

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 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: IL

Complaint narrative:
I had a US Bank Silver Checking account XX/XX/XXXX-XX/XX/XXXX. 
Savings UsBank Package Money Market opened at same time, balance was {$0.00}. It wasn't utilized. 

Statement XX/XX/XXXX - XX/XX/XXXX *US Bank automatically enrollment in overdraft protection. 
- Overdraft Protection Law Violation *XX/XX/XXXX- XX/XX/XXXX Nine 7  fees associated to this violation and Overdraft Protection Law Statement XX/XX/XXXX - XX/XX/XXXX Four additional Overdraft fees XX/XX/XXXX - Closed account fee {$30.00} Total : {$340.00} + {$30.00} = {$370.00} {$370.00} Reported to XXXX XXXX XX/XX/XXXX US Bank automatically connected Savings with {$0.00} balance to Overdraft Protection. 

Overdrafts issued on ATM withdrawal. 

Remove me from XXXX XXXX immediately and pay any fines fees for Violations. 
Admit Fault. 
This has caused me tremendous damages.

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 2019-06-12 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:
I have tried to dispute a past due amount and a incorrect balance showing on my Experian Report with XXXX account # XXXX regarding several times with no reponse.I have also requested from Experian over 12 times about Method of Verification under FCRA SECTION 611, which states a copy of any documents bearing my signature, to show that i have a legally binding contractual obligation to pay them the exact amount being claimed. 

I have sent several letters to XXXX XXXX XXXX, asking XXXX to provide validation regarding all account history data with my signature on it. NO RESPONSE

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 2019-06-12 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:
First in my credit report appear several companies that have requested my credit report with my social security number and different names and have lowered the average. My correct name as it appears on the license is XXXX XXXX XXXX XXXX. If any company wants to run my credit, they ask me for my social security number and my license, that is, they must place XXXX XXXX XXXX XXXX. I am asking you under FCRA 611 ( 15 U.S.C. 1681I ) They also have a lock on me and I want them to take it off. Any company that wants to request my credit report with my authorization may do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
Received debt collection attempt from Wakefield & Associates on a debt for a service that I never used, that I even signed paperwork with, on camera, as proof of refusal of service, four years after the fact. Original company attempted to get money out of my insurance, behind my back, but the insurance got wise to it and successfully disputed the collection attempt. Then they went after me, threatening and harassing me for a year before turning the bill over to Wakefield & Associates at double the previously listed amount due. 

When initially contacted by Wakefield & Associates, they claimed they'd been attempting to contact me for months. When debt was disputed, they refused to listen, kept asking for personal information, such as a credit card, and threatening me with damaged credit if I didn't pay immediately. By their next call, I'd learned what my rights were and what I had to tell them to get them to be bound by the FDCPA to stop harassing me. The employee on the other end of the phone acknowledged it before asking for alternate contact information that I had to, of course, refuse to give them. 

Just over four hours after requesting that they cease contacting me, they called me again, stating that the call was an attempt to collect the debt, asking for my attorney 's phone number, and saying that they couldn't stop contacting me unless they had one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: Army and Air Force Exchange Service
State: AZ

Complaint narrative:
Dear Sir or Madam. 

My XXXX and I are both XXXX XXXX XXXX. When we were reassigned to Arizona from XXXX we filled out the change of address form with the military postal office. However, our mail did not get forwarded and our credit card companies did not receive our new address. This resulted in our AAFES Military Star Card bill not being received for months. The last charges were made in XX/XX/2018, the same month we left XXXX. We made no new charges after that date. I didn't receive any calls, emails, bills or notifications until I got a message from a credit monitoring service about a change in my credit report. As soon as I got the message, I immediately paid the bill in full. I don't believe I have ever been late or not paid the bill in full before -- after having the card for many years. 

We'd like to purchase a home, but the delinquent report on my credit from {$130.00} is going to cost us {$7000.00} extra because it dropped our credit score 30 points. 

Can you assist? 

Sincerely, 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 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/1982. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2019-06-12 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: HI

Complaint narrative:
I have an inaccuracy on reports from all three CRA 's. I was able to file disputes with XXXX and XXXX without issue, when I attempted to file my dispute with Equifax they asked that I contact them via telephone to proceed. 

On first contact with Equifax XX/XX/2019 I was told their systems were down and to contact back in 30 minutes. Second contact I was told they could not hear me and disconnected the call. Third contact I was finally able to speak to someone, and they were able to pull my profile but refused to allow me to make a dispute without faxing or mailing two ID scans. My problem with this is Equifax on the same day issued my Credit Report to me with the same information via XXXX, yet were denying my right to dispute this information. I offered to provide the documents via the internet ( a communication channel they deem acceptable for themselves and third parties, but supposedly not okay for me to use ) and they refused. I spoke with this agents supervisor, and then sat on hold for 50 minutes to speak to the supervisors manager. ( Manager name XXXX, Agent ID # XXXX ). XXXX was unable to answer why the information provided was sufficient to issue a credit report, but insufficient to file a dispute. XXXX was also unable or unwilling to accept my documents on an accessible communication channel. 

I demand my right to dispute this inaccuracy be provided, as both other CRAs did without legal intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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 — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
GM Financial currently has payments over 30 days late during XX/XX/2018 reporting on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX currently has payments over 30 days late during XX/XX/2018 reporting on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: OH

Complaint narrative:
I am asking that the Credit Bureaus to investigate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for materials forwarded to three credit bureaus for me XXXX XXXX XXXX as there may be issues with unsubstantiated accounts. I have seen errors in certain existing data. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement materials which verify that the accounts were established legally. I do not want just a cursory account history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summaries transmitted by the companies mentioned above must be considered false and may bespeak a statutory violation. In this case, they must be deleted without delay.

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