vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
My credit report showed a derogatory remark based on an unpaid amount that I was sent by a collection agency. The collection agency, COMMONWEALTH FINANCIAL SERVICE, reported an unpaid amount of {$870.00} from a medical facility in XXXX, FL : " XXXX XXXX XXXX. '' I have never been to XXXX, FL, nor have I visited " XXXX XXXX XXXX. This is the 2nd time COMMONWEALTH FINANCIAL SERVICES has reported this to the credit agencies ( the first time it was successfully disputed ). I do not know what/who the company is, and have been unsuccessful in contacting either COMMONWEALTH or " XXXX XXXX XXXX. '' I believe both to be fraudulent companies based off information I found online describing similar false reports and attempts to settle with people just to have it removed off of their credit reports even if it is not bona fide debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: IQOR US INC
State: AR

Complaint narrative:
XXXX  ALLOWED 3 COLLECTORS TO PULLED SPY INQUIRIES FROM MY XXXX. SEE ATTACHED.

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 2019-11-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LoanCare, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Loan servicer : LoanCare at XXXX. 

This loan is a 30 year VA Mortgage but the creditor and loan servicer will not report it as such to the credit bureaus. They are reporting this as a mobile home loan. I closed this loan a few months and signed an actual 30 year Note and VA Mortgage at the closing. They are not reporting this properly to the credit bureaus and this is causing a negative impact on how my credit scores are scoring.I have reached out for a resolution twice now with no response. 

This is not a mobile home loan as my home is classified as real property and I pay taxes as such as well. Please help a veteran have his loan reported properly.

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 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
This inquire is a duplicate, please delete it leaving only 1 ( XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: The CMI Group, Inc.
State: AR

Complaint narrative:
XXXX  ALLOWED 3 COLLECTORS TO PULLED SPY INQUIRIES FROM MY XXXX. SEE ATTACHED.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Harris & Harris, Ltd.
State: AR

Complaint narrative:
XXXX ALLOWED 3 COLLECTORS TO PULLED SPY INQUIRIES FROM MY XXXX. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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:
I told experian XXXX  and XXXX  that this debt was not suppose to me reported the company agreed to delete this debt. I have made complaints against this company. I will attach all documents to show this debt needs to be removed from my file. 

They have violated article 807 and 808

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 2019-11-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I have been contacted several times by a particular agent with Freedom Mortgage, XXXX XXXX XXXX. ( ID # XXXX ). This particular person contacted me asking if saving {$20.00} or {$75.00} on my mortgage payment monthly sounded like a good savings. I replied and told him neither as I would not be interested unless I could save about {$200.00}. He then proceeded to ask what I would like my payment to be at. I responded and said below {$100000.00}. he came back and said what if I could do {$1000.00}, I said no. Then he said about $ XXXXI said no. then he said {$990.00}? I again said no thank you. He proceeded to tell me about the loan process and refinancing option that I had. I kindly told him that I was looking around at other mortgage companies because Freedom Mortgage screwed me over about a year or so. I told him what happened and he said that he can assure it would not happen to me this time around. I told him I was weary based on the information he was providing me around the escrow analysis process. ( This is how I got XXXX  last time ) He offered to send me the documents to review the numbers and terms of the loan, I said great. Mind you throughout our conversation he kept saying " I don't think you understand what I am saying, let me re-explain '' he said this about three or four times throughout our conversation. He was not listening to my questions nor what I was saying because he had tunnel vision of a possible close on a refi. I had to tell him three times to get off the phone to send me the documentation and I would be in touch. He kept going! What part of I am not interested at this time don't you understand. I finally hung up. I got an email that says, please review and sign your loan documents. WHAT?! I didn't agree to anything first of all. I can not view the documents unless I start signing them. Then I got a follow up email that says " URGENT- reminder to e-sign your loan documents '' I AGAIN can not view anything without signing documents. I am so disgusted with this company at this point and how aggressive this person was then lied to get the loan documents in my email and con me into signing something I said multiple times that I didn't want to do. I can not wait till rates come back down, because I am done with them. I will not be treated this way nor be conned into something I said I didn't want to do. I want to ensure there is no loan documents in process. I do not want to refinance and I would prefer they stop cold-calling me and lying.

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 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CONTRACT CALLERS INC
State: AR

Complaint narrative:
3 COLLECTORS ARE ON MY CREDIT REPORTS, CEASE AND DESIST COLLECTIONS AND GET OFF CREDIT REPORTS. OR BE SUED IN CLASS ACTION LITIGATON.

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 2019-11-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Received email stating update to Experian Credit Report through their paid subscription credit monitoring service. Upon looking at credit report, noticed 2 new  inquiries from XXXX and XXXX which were never on report before and were displaying negative activity. Contacted XXXX  XXXX  XXXX  whom verified only 1 account as current, paid on time. Not sure where other 2 accounts came from, not theirs, and did not report them and would start investigation which lowered my credit score from Good, past Fair, to Bad, XXXX - XXXX. Then tried to contact Experian Credit Bureau directly by phone and this is my complaint. There is no way to contact Experian by phone. A number is not offered. My complaint is there should be a way to contact Experian by phone and speak to someone concerning the credit information Experian reports about me. The other 2 credit Bureaus offer contact phone numbers yet are not showing my incorrect info. Go figure! I believe if Experian is going to selectively report inaccurate info that is 5-6 years old, out of nowhere, the injured person should have an opportunity to contact Experian by phone and speak to a live person to confirm circumstances surrounding the new inaccurate information. Experian deliberately does not provide this and may be the reason for this activity.

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 2019-11-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Please refer to CFPB case number XXXX-XXXX  ( attached ). 

I noticed that Comenity Bank ( XXXX ) reported my account status as Delinquent on my credit report when I should have been enrolled in a hardship program. 

I messaged Comenity Bank on XX/XX/2019 to understand why my account reflected delinquent on my credit report. On XX/XX/2019, A representative from Comenity Bank messaged me back stating my account was unbeknownst to me, unenrolled from the hardship program on XX/XX/2019! Per the above case number, Comenity Bank was to cease and desist all illegal debt collection calls, not any calls that inform me of important account updates! I also did not receive a letter indicating I was unenrolled. I am not sure as to why my account was unenrolled, but these kinds of deceptive practices will ensure that a lawsuit is filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I call XXXX  credit reporting agency I was told if I didnt agree to promotion I wont be able to speak to anyone. They hung up the phone. They reporting wrong and out dated information.

I think its wrong to pay a credit repair agency when all the bureau needs to due is update the file.

COMENITY Bank is reporting two accounts on my XXXX  report. The first account is accurate shown as closed and paid in full I was never late with this account. The second account I have no knowledge of and keeps reporting late and adding fees and interest. I have asked COMENITY Bank to send me an itemized statement and any documentation to prove I own this account and they haven't. This is effecting my credit score by not getting resolved. Please remove this unknown open account with COMENITY Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: CA

Complaint narrative:
Received a credit alert of a XXXX closed account, Ive never had XXXX before.

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 2019-11-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: MD

Complaint narrative:
I am a co-signer on two Student Loans for my daughter with Sallie Mae. The first loan was not a problem, as we signed up for Deferred Payments. I did the same thing on the second loan and they started to charge Interest only on the second loan. I have not been able to have anyone at Sallie Mae provide me with the documentation from both loans to compare where I signed up for the Interest only loan vs the Deferred payments. 

I know I did not sign up for Interest Only loan payments while she is still in school and as a matter of fact, tow months ago, they sent a letter saying they were going to start charging her Interest and Principle on the loan while she is still enrolled in school. I have done some background research on Sallie Mae and now see that have a terrible reputation with student loans, the terms associated with the loan, providing clear information on the repayment terms and giving conflicting details on what the loan terms are and which category they are in. I truly believe this organization 's less than stellar process of verifying information and making things clear has lead to their terrible situation. 

We are not looking for loan forgiveness, but to make it right as far as the payback terms. I want the information to reflect the loan should be Deferred Payments until my daughter finishes college.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
3 COLLECTORS ARE ON MY CREDIT REPORTS, CEASE AND DESIST COLLECTIONS AND GET OFF CREDIT REPORTS. OR BE SUED IN CLASS ACTION LITIGATON.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: Nelnet, Inc.
State: MA

Complaint narrative:
DEPTEDNELNET XXXX This is the payment remarks. As you can see, it started late 90 days right away without prior late remarks. 

XXXXunkown OK OK OK OK 90 days late 120 days late unknown unknown unknown unknown unknown OK OK OK unknown unknown unknown OK OK OK OK OK 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  OK OK OK OK 90 days late 120 days late unknown unknown unknown unknown unknown OK OK OK unknown unknown unknown OK OK OK OK OK 90 days late 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
2 COLLECTORS ARE ON MY CREDIT REPORTS, CEASE AND DESIST COLLECTIONS OR BE SUED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: NJ

Complaint narrative:
I told XXXX XXXX  and TransUnion that this debt was not suppose to me reported the company agreed to delete this debt. I have made complaints against this company. I will attach all documents to show this debt needs to be removed from my file. 

They have violated article 807 and 808

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 2019-11-11 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: NJ

Complaint narrative:
I told XXXX  Equifax and XXXX  that this debt was not suppose to me reported the company agreed to delete this debt. I have made complaints against this company. I will attach all documents to show this debt needs to be removed from my file. 

They have violated article 807 and 808

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I sent a certified letter to Bank Of America indicating a inquiry on my personal credit profile I did not authorize. Bank Of America wrote me a letter in XXXX stating they will send a notification to the credit bureaus to remove such inquiry. I then submitted this letter from Bank Of America to XXXX  that acknowledged the letter and deleted the inquiry immediately. 

However, Bank Of America did not submit the notification to XXXX to remove the fraudulent inquiry as well. 

So I am submitting this complaint with hopes that Bank Of America will honer their letter to me and request XXXX  to also remove the unauthorized inquiry as they stated in the initial letter addressing my concerns.

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 2019-11-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I have pleaded with this company on many occasions of the amount they want a month. I can not afford to pay what they want and stated that to them. They state that is the least amount they will take. I do pay at least {$75.00} a month. This is about to go into default now. The company is Firstmark services. When XXXX XXXX XXXX had this account we never had a issue then they sold this to Firstmark and it has been a mess ever since. There should be recorded calls of me asking them to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I use XXXX to monitor my credit scores ; they reflect Transunion and XXXX. 
The information between these two Credit Bureaus is widely different. Even when they are reporting on the exact same accounts. 
I have filed disputes with both bureaus regarding two different " collection '' accounts. XXXX XXXX XXXX and XXXX XXXX are the supposed accounts that I owe money to. The disputes I filed have only been addressed to the Collection agencies, who have nothing to lose by claiming these accounts are delinquent. However, I am actively a customer of both XXXX XXXX XXXX and XXXX XXXX, so if the Credit Bureaus were to contact THEM, they would know I am not behind in any payments to these corporations. 
So transunion dropped on of these accounts, while XXXX  maintains I owe these funds. 
I received an email from XXXX XXXX that states my credit score went up 57 points! However, when I review my credit through them, no such increase is visible. And how can these agencies report such inconsistencies between the same lender, XXXX, Student Loans? Nothing has changed since I started paying them and yet they show different payment amounts and/or different balance decreases. 
How are we supposed to know what is accurate and how can we hold these reporting agencies accountable for what they report?? It is like " little man '' kept down by THE MAN ... .it is ridiculous that these bureaus can dictate who can get a car, buy a house or not!! What can an individual consumer do to fight these inaccuracies? Seriously? 
My little letter to you, will it really make any difference that I am trying to understand how our information is gathered, collected, reported and monitored? I know I am not the only consumer to have such issues and I respectfully request some insight, if not interference with these credit agencies. Do they have all of your information correct?

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