vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have had insurance since I was born. Ever since I moved to XXXX the hospitals seem to put negative marks on my credit to collect money that insurance has already paid I dispute the negative marks and they go away because it has already been paid by insurance. This seems like an insurance scam. On XX/XX/XXXX XXXX XXXX XXXX XXXX put a collection account on my credit for {$1000.00}. I have called the hospital each time and they say that I do not have a balance ever and that my bill has always been paid by insurance in full. I called XXXX XXXX XXXX XXXX billing department directly and they say the same thing that I do not have a balance and all bills were paid in full by insurance. How do I get them to remove negative marks they put there if they claim it is not them and block them from putting anything negative on mu credit in the future? This is not the only company that does this. XXXX XXXX XXXX XXXX XXXX does this as well. On XX/XX/XXXX they did the same thing and it still has not been removed. I have called and they say I have no balance and all bills have been paid by insurance in full. How do I get them to remove the negative mark and block them from future fraud that they keep doing to my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Remex, Inc.
State: NJ

Complaint narrative:
On or about XX/XX/2020 I learned about an account that I don't recognize that is listed on my credit report ( s ) i then contacted the company that place the item for collection and now is currently reporting the derogatory and negative information on my XXXX, XXXX XXXX and XXXX  Credit Report ( s ). The company mentioned an address that I do not recognize and a different name however the account doesn't belong to me and wish to have this item removed from my credit report as it is not valid and is being reported as a result of misinformation, fraudulently as per the FCRA, FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
**THIS IS NEW ORIGINAL INFORMATION** Attached is a letter I found from XXXX XXXX  titled " Account Approval Notice '' dated XX/XX/XXXX - the same month that according to XXXX I was already 60 days late. 

I opened the card in XX/XX/XXXX, had identity theft that reached both of my XXXX XXXX through XX/XX/XXXX. I could not pay online or pay by phone during this time. I had new cards reissued and new accounts apparently. 

THE ATTACHED IS **NEW PROOF** THAT THE COMPANY IS INCORRECT. 

I had previously filed CFPB complaints which were denied by XXXX ( XXXX ) and ( XXXX ) Please help me clean my credit so that I can put the identity theft behind me. 

Thank you, 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 2020-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
I dont know why is this collection on my credit report. 
I recall any bill or anything about this payment.

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 2020-04-06 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX XXXX {$99.00} XXXX XXXX XXXX XXXX {$140.00} XXXX  XXXX {$26.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$390.00}

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 2020-04-06 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX XXXX {$99.00} XXXX XXXX XXXX XXXX {$140.00} XXXX  XXXX {$26.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$390.00}

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 2020-04-06 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: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
There is Incorrect information on my credit report. In XX/XX/XXXX A collection was placed on my credit profile by Sequium Asset Solutions for a XXXX XXXX account I had no knowledge of. I spoke with Sequium, who then told me contact XXXX XXXX, in which I did. On XX/XX/XXXX I received an official email from XXXX XXXX stating that it was investigated and discovered to be fraud, please give it 6 to 8 weeks for the collection to be removed from my credit report. Well Its now been well past their 8 week mark & neither company, SEQUIUM ASSET SOLUTIONS or XXXX XXXX will not properly handle this situation and remove the collection from my credit report. Instead theyre sending me in circles, blaming each other.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: AR

Complaint narrative:
I was informed by my banker that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern, I've had a lock on my credit with all XXXX bureaus for years. Experian, is of course the most annoying. Instead of simply allowing customers to hit a single key to lock and unlock their credit, they have an annoying form to fill out. Apparently this process hasn't helped them, considering the fact that this process hasn't stopped these XXXX  from losing everyones information a few years ago. 


Because of the corona virus I'm applying for a credit card. On XX/XX/2020 I unlocked my credit with the other bureaus and no matter how many times I put in my password Experian doesn't allow me in. Their system isn't even allowing me to answer the security questions I painstakingly set up with them. Now these XXXX  have the ABSOLUTE NERVE to request that I send them a copy of my SS CARD. MY ID, PROOF OF ADDRESS AND BIRTH CERTIFICATE all in the same envelope. Are they XXXX? They lost our info before, now they want it in the mail system? 

I tried calling and of course their service is terrible. They run you in loops and then hang up on you. HOW ARE THESE XXXX XXXX STILL IN CONTROL OF OUR LIVES? I want them to unlock my credit!!! It upsets me that I need permission from these XXXX  to live my life!

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 2020-04-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
THE XXXX XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting a account XXXX XXXX XXXX for a account that was a XXXX account that was paid in full this account was compromised by the XXXX  breach is was to be removed by the Credit reporting companies this account was removed by XXXX and by XXXX  back between XX/XX/XXXX and XXXX but is was not removed by Experian This needs to be removed today

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 2020-04-06 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: AR

Complaint narrative:
I was informed by my banker that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-04-06 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: AR

Complaint narrative:
I was informed by my banker that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc.
State: TX

Complaint narrative:
Hello, Starting in XX/XX/XXXX this company starting putting that I owe this balance from XXXX. 
I've tried to contact his company about this balance. I'm wondering why this is on my account reporting late and why such an old balance and its posted like I'm behind now. 
it has the last date of activity is XXXX of XXXX and its reporting that I'm late 120 days. please help me. the account is : Dyck O'Neal- Account # XXXX - Dyck Oneal-Account # XXXX. Dyck O'Neal- Account # XXXX. Dyck Oneal-Account #  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: CA

Complaint narrative:
On XX/XX/XXXX I contacted Experian Rep XXXX XXXX regarding two concerns. 

1. A Hard Inquiry that was to removed from XXXX 2. Open Account with XXXX XXXX XXXX which shows no payment for XX/XX/XXXX. 
Payment of {$300.00} on XX/XX/XXXX and Loan Modification deferment contract for XX/XX/XXXX that deferred payment til XX/XX/XXXX. 

Experian Rep could not help despite asking for me to send in the required documentation to him .... Waste of time and fax money.

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 2020-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: IN

Complaint narrative:
On XX/XX/XXXX I ordered a XXXX XXXX from XXXX for my daughter. It was guaranteed arrive of XX/XX/XXXX. I got notification on XX/XX/XXXX that it shipped and on XX/XX/XXXX I emailed the company and asked when it was arriving at which time I as asked did I received email on XX/XX/XXXX. On XX/XX/XXXX, I did not get my package, there was no tracking number, there was no way to track it and I thought that was odd, and so did XXXX rep. The seller tried to add another month to shipping and I wanted my money back, it felt like a scam, he emailed me and said he would refund me, XXXX said the same thing, I told them.both I was going to put my bank on notice and I did. 
After Investigation, I got my money back. Now i get I have been getting collections calls, and I got a collections notice in the mail, for the very thing I did not get! I am being harrassed for a package that didnt come, they are trying to steal from 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 2020-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cawley & Bergmann, LLP
State: GA

Complaint narrative:
I have been receiving multiple calls a day from Cawley & Bergmann I have continuously advised the different representatives to put me on there do not call list and do not call me anymore this is not my debt, the debt collector continuously call and On XX/XX/20 I received several calls from the same debt collector after Covid 19 and the President of United States stated to cease all debt collector calls during this Pandemic. This is not my debt and I have lost my mother in the wait of this Pandemic, I am going through tough times and to continuously have a debt collector call my number I am mortified and appalled that this company Cawley & Bergmann does not have any since of direction, consideration and empathy for what is going on in the world.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: MD

Complaint narrative:
THE XXXX XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 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: MD

Complaint narrative:
THE XXXX XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 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:
THE XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: Kriya Capital, LLC
State: LA

Complaint narrative:
Theres incorrect information on my credit report. I spoke with Credence Resource Management on XX/XX/XXXX in regards to a collect on my credit report for an XXXX XXXX XXXX account thats been paid off for over 4 years now. I was informed that they never deleted it from my credit profile, because I never gave them the initiative to. But after speaking with a representative via telephone, he informed me that it would be deleted from my credit profile within 7 to 10 days. It has now been 21 days, with 15 of those days, being classified as business days. They will not delete the collection, they are just continuing to give me the run around and Ive been more then patient with them, because once again this account was paid off XXXX  years ago in XXXX, it is now XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: INVESTORS BANK
State: NY

Complaint narrative:
The bank will not allow me to withdraw funds from my checking account. I have contacted them repeatedly. This started about 3 weeks ago. I wanted to close out my mortgage. I had to go back and forth between customer service and several branches. They finally managed to close out my mortgage. Now, I would like to withdraw funds. They have strung me along for two weeks, and now the manager XXXX, at the XXXX XXXX branch will not let me withdraw my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
We have just refinanced with Freedom Mortgage and we have not been able to contact them to discuss our payment options due to COVID 19 I have sent an email two weeks ago and have called numerous times.

When I go to the website they have posted an option to apply for a forbearance but the terms state I must pay it all back at once plus my additional mortgage payment. 

That is not possible. I dont have the money now how am I going to have it in 6 months? 

This is completely 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 2020-04-06 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$530.00} XXXX  XXXX XXXX {$4600.00} XXXX  XXXX {$7800.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$15000.00}

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 2020-04-06 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$530.00} XXXX  XXXX XXXX {$4600.00} XXXX  XXXX {$7800.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$15000.00}

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