vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-26 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: Grant & Weber
State: TX

Complaint narrative:
as of XX/XX/2019 during an employment process, i was made aware of a debt account that would prevent me from being hired. Upon further investigation of an account i am unable to find out exactly what it is for. 
When speaking to the collections agency about the account the ask me if i am XXXX. Which is my ex wife and no one is able to tell me exactly what this account was in question but i am being told i am responsible for payment. I will not pay this account as in the divorce decree it is stated that She will pay debts that are in her name and i will pay debts in my name. I am not aware if this debt has my name on the account and will dispute in order to have it removed and placed completely on her account.

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 2019-09-26 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: TX

Complaint narrative:
I received a notification about some charges that are not mine on my credit report and tried to dispute them with, XXXX, Equifax, and XXXX, well all of them were able to fix the problem and the only that didn't was Equifax, I tried reaching to them more than 4 times requesting their attention and they havent resolve the issue even when I sent them police report number and federal trade commission letter. At this point I don't know what else should I do, I don't want to spend time and money on Attorneys but I want my problem to be fix

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
The credit company failed to follow proper federal credit reporting act prior to putting four medical debts on all credit bureaus. The medical debts were removed from my credit report, then put back on prior to following proper procedure. I had health insurance at all times in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a letter for account number ( unknown because I couldn't read the letter ) at address XXXX XXXX XXXX, XXXX, California, XXXX, that was confusing and inaccurate because it was sent in XXXX. I have no idea what the letter says because I do not speak XXXX nor do I understand it. Was this letter sent in XXXX because my last name is XXXX? Why did Midland Credit Management send me a letter in XXXX based on my last name? I feel these were discriminating assumptions and I'm ready to file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission. I've attached the letter that was sent and signed by XXXX XXXX? Does he speak XXXX? If so, I'd like him to contact me so I can get an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
In XX/XX/2018 I received a letter from XXXX 's subservicer Nationstar about a {$79.00} delinquent property payment, which I promptly paid. Regardless, and without my permission Nationstar set up an escrow, and started paying my property taxes for me, more than doubling my mortgage. i had signed, and paid for, a waiver to not establish escrow. 

Since XX/XX/XXXX, I have contacted Nationstar numerous times to inquire why they set up the escrow and how i can stop it. 

In XX/XX/XXXX Nationstar informed me my county had requested the escrow. I called the county who denied they contacted Nationstar. 

Nationstar continues to deny they made a mistake and insists on the escrow. They also insist on a $ XXXX " comfort payment, '' which is tantamount to extortion. 

Nationstar has lost three lawsuits in California, New York and Massachusetts, respectively, for consumer fraud. 

Nationstar had no basis for setting up an unwanted escrow and their activities vis a vis my account can only be viewed as a scam. 

At one point, one representative said I could get rid of the escrow if I paid {$1700.00}, he was unable to tell me what that was for. Another representative later told me to forget about that offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
They have been calling for several years. This is supposedly for a debt that is owed by a son who has not lived with us for over 20 years and has not used this phone number than longer than this amount of time. This company calls using their name and hangs up when the answering machine answers. There are repeated other phone calls that call first and hang up with the answering machine answering, then followed by another call from this company. I have stopped answering any of their calls, More than two years of telling them that he doesn't live here, is not at this number and their lies about his being sued etc and having been contacted by them. If he owed a debt his phone number has been a matter of public record for the entire 20 plus years that he hasn't lived with us and before. These phon743e calls start in the early morning and continue throughout the day and evening. They are truly a harassment. The company name is Portfolio Recovery and one of their many calls comes from XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AZ

Complaint narrative:
XXXX, badge number XXXX, from a company AFNI called at XXXX on XX/XX/2019. I have a portion of the call recorded. He identified himself and said I had a debt that had gone to collection from XXXX. I disputed that fact and asked how he got his information. He gave an account number and service address that was not associated with me. I said that his information is incorrect. He went on to pressure me saying it was my debt and that he would work out a " deal '' but only if I paid him today. I repeated that his information is incorrect and he said it was valid and because he got ahold of me it was the same as verifying it as legitimate. I told him I had no unpaid bill from XXXX but he persisted by raising his voice, insisting that this debt would go to collection to the credit reporting agencies and negatively effect my credit. He refused to acknowledge the fact that his information was wrong and that it was most likely a mistake and even said I would not accomplish anything by calling XXXX because they had already transferred the debt to AFNI. I asked him to repeat the information he had. He again recited an account number and service address that was not associated with me so I asked how he could report anything to credit agencies if the debt wasn't mine. In response he actually said that the effect of the negative report would be more costly on me than the actual debt which he said was only {$120.00}, however, he would discount it to {$90.00} if I paid it now. I then started recording and asked him to identify himself which he at first refused saying he would never give me his last name. He then argued that I had been dodging him by not answering previous calls. I stated typically don't answer unknown numbers especially if they don't leave a message. He said they never leave messages. His overall language was threatening and harassing in nature. At this point I fully believe based on this conversation that AFNI will take action even though the debt isn't valid and they only made contact by phone. I have not received any official notice by mail, from XXXX or from AFNI establishing that I had any unpaid bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
Let 's start with this they were disputed last year and taken off to reappear this s year saying it's new debt for hosptil bills except I've had insurance for 5 years now so a there older then 5 years not new debt but again I disputed last year and won they were dropped now there back again and to top it off the same debt is repeated a few times over the law states 7 years but now since there back their stuck there 7 more years that's not cool the date are in attached. I have also read a lot of reviews on the company and they do this to so many people and the people just bend over and accept it well I will not accept these debts and if they keep showing I'll spend the XXXX XXXX they say I own and sue and go to press just saying. 



Common wealth ... .... My A

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Back during the great recession, approximately XXXX, 2013, Bank of America, who was struggling mightily with bad debt in general, decided unilaterally, without any issues of non or late payment on my end, to suspend my line of credit XXXX both secured and unsecured ). The Credit Line Suspension occurs on my credit report and has been reported to me to negatively affect my credit score to this day ( I have consistently paid back the loan to this day with the suspension language hanging over my credit report ). 

Bank of America was bailed out by the tax payers but at the same time did previous harm to their lenders who were not delinquent in payment or fulfilling any of their obligations. 

BOA should correct my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I have been given papers of a court filing for petition for revival of judgement. debt was from XXXX at that time I was married to my ex wife and resided with her and her son, daughter and her now deceased brother in law. I am not aware of this debt and it is not mine. this is the third case of fraud from this time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: LA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-09-26 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: OK

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-09-26 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: National Credit Services, Inc.
State: MD

Complaint narrative:
I received an offer of settlement from the servicer National Credit Services dated XX/XX/2019. Ive contacted this company by phone on at least four occasions. The services has failed to contact me and discuss the terms of settlement being offered by the US Department of Education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
I had XXXX XXXX, I was going to going to get a upgrade. They came back within 24 hrs and took everything back because it interfered with my pacemaker. The XXXX XXXX XXXX worker called and canceled everything while he was here.Then we called back again a few days later. However our billed was not canceled and was combined somehow, and continued on to bill us even though we had paid XXXX XXXX and had no equipment at all. We were told it was a error by a XXXX XXXX XXXX employee and was corrected. 
Then told it was a computer error and corrected. Over and over again I have requested a detail bill of what they are charging me far during that time and I get nothing.I had my tv service with XXXX XXXX and they were paid in full. Now they have destroyed my credit over a bill I dont owe. It has caused me and my husband great hardship. 
They even tried to give me a refund a few months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a complaint to all three credit bureaus XX/XX/2019. Addressing XXXX XXXX on my credit report. XXXX XXXX Acct # that appears on my credit report is XXXX. My name is inaccurate and the account that is tied to this account is not mine. According to the complaint I filed XX/XX/2019 w/complaint ID # XXXX this account was removed from my credit report. As of XX/XX/2019 it was reported back. The exact same account.

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 2019-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been given papers of a court filing for petition for revival of judgement. debt was from XX/XX/2009. at that time I was married to my ex wife and resided with her and her son, daughter and her now deceased brother in law. I am not aware of this debt and it is not mine. this is the third case of fraud from this time frame.

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 2019-09-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
I reside at XXXX XXXX XXXX XXXX XXXX Ca XXXX We have 2 mortgage one we stop paying when the value of the house came down since my partner has passed away the title of the house was granted to me by the court, the loan is under my mother in-law but she has never Paid in ti=o the house, Now that the second loan has reached out to me I have been trying to fix the matter so my self and my XXXX children don't loose the house. 

The company at one time was XXXX XXXX that company has closed the account and has handed it over to SN Servicing Corporation I have been in contact with a lady by the name XXXX XXXX Account Representative I have explain to her that now I am on title of the house and I want to get the house out of default she has asked me to make a good faith payment non th e amount of {$1000.00} and {$370.00} a month for the next 6 month at that point I tried to get the money but was not able to asked for if the could give me a month to get the money. 

Then I was told that the amount we spoke of was no longer accepted now it hat to be {$14000.00} and a monthly payment of {$400.00} I only had {$1200.00} and I mailed it out with a note that the {$1200.00} was all I had and that I would make the payment of {$400.00}. Since then they have cashed the check and now that I have asked her to give me a statement of the payment I made Mrs XXXX says now the investors don't want the payment that I send. 

Well they cashed the check and now she says they don't want it I was told that this is a Purchase Money second loan and that I would be able one to get it taken off or come to a agreement with them and that is what I am trying I at no given time have told them I don't want to pay much less loos se the house my children have lost there mother and this house has sentimental value to them and I am trying really hard to keep the house not only because we bought the house back in XX/XX/2006but for my kids memory in this house I am reaching out to you for help in ny way your company can Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: I.C. System, Inc.
State: PA

Complaint narrative:
XXXX bill. I have disputed with the credit bureau, XXXX, and the collection agency. I was never contacted before this debt collector destroyed my credit! I never had a chance to prove that this is not my account.

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 2019-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
XX/XX/2019. I was making a transfer from XXXX XXXX XXXX  to my XXXX XXXX account.I made a mistake and touch PayPal icon instead chase so the money went to PayPal, I reach out to PayPal many times to reimburse me and they refuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
on XX/XX/19 i initiated a transfer of {$500.00} from my checking account at wells fargo bank to " XXXX '' an investment firm.The last 4 digits of my account # at wells fargo is:XXXX and the last 4 digits of my social security # are XXXX I canceled the {$500.00} transfer. Wells Fargo told me via telephone that they would stop payment on it, and make sure I got it back. This did not occur. I am missing {$500.00}. XXXX says they do not have it, that they sent it back to wells fargo. Wells fargo says that they never took {$500.00} out of my account, despite that they indeed, did. So, they refuse to give me back my {$500.00}, because this " never happened. '' I was told that this case had been expedited and that a " case '' was opened, however, when I call to see what is holding up getting my money back, they have no record of any of this. 
I swear at risk of perjury that I had {$500.00} taken out of my account, and that it was not returned to me. I just want my money back into my account immediately. 
The bank erased the record of {$500.00} coming out of my account on XX/XX/2019, so that I have no documentation to show.

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