vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-10 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: IL

Complaint narrative:
Experian continues to report false information on my credit reports. In my initial CFPB Complaint # XXXX I expressed 2 grievances ( 1 ) Experian continues to report invalid medical accounts on my reports despite collection agency 's failure to provide validation. ( 2 ) I also brought to their attention that one of the account numbers were changed without my knowledge. Ultimately, Experian is reporting two invalid accounts. Experian responded in Complaint # XXXX " Upon researching, our records indicate that 1 of the disputed items is currently not displaying on your credit report. We are in the process of contacting the data furnisher ( s ) for the remaining item ( s ) to verify the accuracy of the information with which you disagree. Please note that a reinvestigation may take up to 30 days. '' Additionally, under Description of Non-Monetary Relief, Experian double downs on its false claim that " 1 of the disputed items does not appear in consumer 's report. '' Both invalid accounts still remain. Experian 's continuous violation of my rights as a consumer is illegal and unacceptable.

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 2020-02-10 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: NJ

Complaint narrative:
The 2 accounts reporting on my Experian credit report are not my accounts.

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 2020-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Westwood Legal
State: TX

Complaint narrative:
They insisted I owed a medical debt from 2003. They said I had 24 hours, and basically nothing could be done. I had to call 5 times to beg them to just update my contact information, and give me any information on the debt. All they would tell me at first was I had 24 hours, the medical debt was held in-house by a hospital for 16 years then given to them. I tried to explain that I had no problem checking into the debt, but I needed information, since it was 17 years ago. I finally on my 5th call, started by verifying the line was recorded, I said wanted to work with them, gave them my updated contact information, and the lady agreed to give me 24 hours to review an email which came through docusign with no email to dispute this. She told me there was no disputing, and that information would be filed with courts and " turned over to my social '' in the morning. They claim to have camera footage of me entering, and exiting the hospital. I have no way to even look into records 17 years back within 24 hours. They did not want to update my name or address. I was insulted, and hung up on numerous times. I only spoke kindly to them. I did make the mistake of verifying my social security number, which was the first thing they did. There is no legitimate company information or website. Also I have found th exact same scenarios of other 's tied to their phone number.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I placed a fraud charge for XXXX XXXX immediately and for years later-Wells Fargo ignores. Last month I went in XXXX branch and was there an hour with XXXX banker and service Mgr,. XXXX XXXX deleted my claim document scanned in and He does not remember anything.

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 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I am refinancing my mortgage and needed a payoff quote. I clicked the payoff quote link accidentally 3 times. {$25.00} was charged to my balance each time. This is an auto generated document and costs nothing for the company to generate! It should be charged only one time!

I contacted customer service last week and they said they would request a refund but as of today ( 4-5 days later ) it still has not been refunded. The {$75.00} in fees is now coming due and I am worried they will report me late on my mortgage if I don't pay 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 2020-02-10 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: IN

Complaint narrative:
Disputed with Equifax several times and they will not remove the ch XXXX bankruptcy that was filed fraudulently docket # XXXX Attorney XXXX XXXX XXXX filing date of XXXX and dismiss date XXXX. I have sent the documents several times and the investigation does nothing. 
I would appreciate immediate help I can get on this matter as it has caused a lot of anguish and stress for my husband and me. 
The address is also wrong on the bankruptcy filing it is not on any credit reports. This should be enough for the removal but unfortunately they did not resolve and remove this. 

I'm also attaching the actual court documents from XX/XX/2019. This public record is complete fraud and totally out of compliance with the FCRA.

MY Social Security XXXX Birth Date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TRANSUNION 's inaccurate reportings of two credit report inquiries ( " XXXX/XXXX  '' & " XXXX XXXX XXXX '' is damaging my credit score potentially impairing my ability to obtain a mortgage loan.

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 2020-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
On XX/XX/2019 I mailed off a " Request for VALIDATION, NOT Verification '' letter to " Aargon Collection Agency. '' The company received my letter on XX/XX/2019 and someone from the company signed for it. Withing my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. After 30 days I mailed another letter asking for a request validation of the debt thee say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter.

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 2020-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
We have had a Lowe 's credit account since XX/XX/XXXX and always paid our monthly payments on time. In XX/XX/XXXX we purchased a refrigerator with zero interest if paid off in a certain period of time. Due to health issues, I was only able to pay the minimum due each month. The process was not fully explained at the time of purchase. They did not tell us that the full interest during that time would become due. We were just told we would not have any interest until after that time frame. After the promotion period ended our monthly payment doubled ( compounding interest ) and to add insult to injury they closed my account. I have been a loyal customer with excellent payment history. From that point till now we are paying about {$80.00} each month, only {$30.00} is going to the principle and {$50.00} is going to interest only! I have tried speaking with their credit department and they refuse to work with us to pay this off unless we pay the full balance at one time. They claim the only thing we can do is let it go to collections and then that department would work out a settlement. Ultimately we have to ruin our credit just to settle this account!!! Then on top of it all, we've had several insurance claims against this refrigerator, Lowe 's refused to use their warranty and we had to use our personal home warranty plan plus deductible and we've only had this refrigerator less than three years! 
XXXX model # 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 2020-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I made on-time payments every month I had the PayPal Mastercard. I recently paid off the card and within a few weeks of the card being paid off, Synchrony Financial closed the account with no warning. First they claimed it was due to inactivity- however the card was last used just in XX/XX/2019. Then they claimed it was due to a random credit review -- even though my current credit score is higher than at any time the card was open. This is shady dealing by a company and it looks like they do it all the time. There was no reason what-so-ever for this card to be closed.

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 2020-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Information Bureau, Inc.
State: GA

Complaint narrative:
The collection agency must update the information because I got approved financial assistance ( waived fees ) for the services provided. See attached letter from the hospital and letter from collection agency. This companies are never available to pick up the phone and they never sent me a bill before sending me to collection. The hospital is very disorganized with billing and is known that they overcharge patients with medical insurance. There is someone I know that have paid hundreds for a service that she got 2 years ago. Although she has insurance that is accepted by the hospital and for which she pay a high amount for that insurance the hospital has a really poor quality employees in billing department. They seemed to be prejudiced and bigoted and they judge people by race. I was denied a service recently because the billing assistant thought I didnt deserve to receive medical assistance for having an accent. Twice they have asked me to leave a fee in cash for any amount for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: NY

Complaint narrative:
The accounts listed are not my accounts

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 2020-02-10 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: IN

Complaint narrative:
Disputed with XXXX several times and they will not remove the ch XXXX bankruptcy that was filed fraudulently docket # XXXX Attorney XXXX XXXX XXXX filing date of XXXX and dismiss date XXXX. I have sent the documents several times and the investigation does nothing. 
I would appreciate immediate help I can get on this matter as it has caused a lot of anguish and stress for my husband and me. 
The address is also wrong on the bankruptcy filing it is not on any credit reports. This should be enough for the removal but unfortunately they did not resolve and remove this. 

I'm also attaching the actual court documents from XX/XX/2019. This public record is complete fraud and totally out of compliance with the FCRA.

MY Social Security XXXX Birth Date : 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 2020-02-10 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: IN

Complaint narrative:
CH XXXX bankruptcy Docket XXXX Attorney XXXX  XXXX XXXX date file XXXX date dismiss XXXX Fraudulent bankruptcy that Experian will not remove after multiple attempts to dispute. They will not remove this. I have sent several documents to them and it's been going on several months. Also the address is wrong on the Ch XXXX filing as I have no idea what that address is it is not on any of my credit reports. 
I will attach all the documents that I have which they have already received. Please I appreciate your promptness as this is negatively affecting my life right now. I really need this fixed and resolved please. 
Social XXXX Birth date 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 2020-02-10 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: LA

Complaint narrative:
On XX/XX/2020, I submitted a written dispute to Transunion in regards to the account below. I received the attached letter from the creditor stating that they submitted a request to delete all tradelines associated with the account below. Transunion is still reporting the account. 
XXXX XXXX XXXX account # 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 2020-02-10 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: NY

Complaint narrative:
The accounts listed are not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: NY

Complaint narrative:
The accounts listed are not my accounts

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 2020-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
On XX/XX/XXXX I disputed an Item on my credit report in the amount of {$910.00}, the collection company was LVNV Funding LLC C/O Resurgent Capital Services, After several previous attempts the collection company deleted the item off my credit report, I took a snap shot picture of the deletion on XX/XX/XXXX showing the collection account was closed with LVNV Funding LLC. 
On XX/XX/XXXX I notice that the collection account was back on my credit report, according to the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available by the agency. To this day I have received no such notification of the reinsertion. 
I do not owe this company any money nor did I sign anything saying I did, I have asked several times for proof of my signature showing any kind of validation that I was responsible of owing anything to this company, they have sent me nothing but a print out with no signature..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive sent dispute letters to equifax credit bureau to investigate derogatory remarks on profile XX/XX/XXXX. They recieved dispute letters XX/XX/XXXX. They have yet to send me a status update or notification through mail. It is now 45 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10 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: NY

Complaint narrative:
I am a victim 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 2020-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Wilber and Associates, P.C.
State: FL

Complaint narrative:
Wilber and Associates called and harassed me for many years. XXXX XXXX was one of the representatives that has used illegal, unethical and cruel tactics on my file. This was a fraudulent claim that has been proven by the court system to be so. This agency has closed the file and there is a cease and desist on this file as well. They shared information about my file to an outside agency called XXXX when they were not supposed to and gave false information to this agency that may ultimately lead to legal action in the coming weeks. All I asked for was a letter stating my file was closed and they are refusing to admit that they already sent a letter in. My file is closed and there I am entitled to the truth and verification of this fact. This is a fraudulent claim I was not convicted of which can be proven by the court system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: NJ

Complaint narrative:
Related complaint # XXXX XXXX XXXX XXXX has replied to my complaint by stating that they will no longer report this item on my credit report. They have however notified me that it will take 60 days for the credit bureaus to update their records.

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 2020-02-10 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: SC

Complaint narrative:
I requested validation of this alleged debt many times from the companies reporting the debt, such as XXXX XXXX and XXXX. The original creditor Mohela could not provide proof of the debt in which it was removed from XXXX and XXXX, However XXXX has failed to provide me with any valid documentation supporting the alleged debt. The original creditor is Mohela and the account number is # XXXX. According to the FCRA proof of this debt is required in order to report it to the credit bureaus. I have filed a police report in regards to this fraudulent activity and I have not been notified by either party involved with my compliant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation