vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 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: ERC
State: PA

Complaint narrative:
ERC Place items on my credit regarding a bill not associated with my social security number. I requested a contest to contract and they continue to send a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a credit freeze with all three bureaus due to being affected by the XXXX debacle.  I have been trying to login to the Experian but I am unable to do so.  XXXX and XXXX were easy to deal with.  I tried to reset my password, but it sent the reset to a completely different email address - one that I have never used.  I repeatedly tried to contact Experian, but they obviously are actively preventing individuals from speaking to a live human being.   Every number I try sends me to the same place - nowhere.  I am in the process of trying to buy a house and I don't want anyone damaging my credit score or affecting my credit.  I need someone to help me get the password reset email corrected immediately.

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 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX, XXXX  XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XX/XX/XXXX, XX/XX/XXXX, FL XX/XX/XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/XXXXARS ACCOUNT RESOLUTION XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX  XXXX XXXX, XXXX   Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XX/XX/XXXX, XX/XX/XXXX, FL XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Beginning in 2018 I informed Navient that I was not a cosigner on a loan for my XXXX.  I had been a cosigner on a loan for her that I paid off completely but was not a cosigner on another loan through Navient. I did make payments to the second loan as a courtesy to my XXXX who was struggling financially but never signed on as a cosigner.     I went through an extensive process with them that required filing police reports and obtaining a large amount of documentation.  They indicated that since I made payments on the loan it indicated that I was responsible for it and they considered me a cosigner.      I wrote to them many times without response.  My Attorney alsop wrote to them without response.  I indicated that I would be happy to litigate their claim but that until it is resolved  they should not impair my credit.   However, they have severely harmed my credit and caused me to have to pay much more on the mortgage for my home and laon for my automobile    Navient remains unresponsive to my requests to not harm my credit and/or to litigate their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XXXX/XXXX/XXXXXXXX XXXX -XXXXPORTFOLIO RECOV ASSOC XXXXXXXX XXXX-XXXXPORTFOLIO RECOV ASSOC XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious XXXX XXXX -XXXXPORTFOLIO RECOV ASSOC XXXXXXXX XXXX-XXXXPORTFOLIO RECOV ASSOC XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX-XXXX-XXXX-XXXX-XXXX, in the U.S. District Court for the XXXX District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX XXXX  SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: Exeter Finance, LLC.
State: MD

Complaint narrative:
There is an Inquiry on my Credit report that should not be there from a company called Exeter Finance XXXX  that should not be on my credit report. My name is XXXX XXXX XXXX. The person the inquiry is for is someone named XXXX XXXX XXXX!!! I would like this Inquiry removed as soon as possible please! Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I received a debt collection letter from Receivable Solutions for an amount and date of service that I know nothing of. I request debt validation several months ago. I have contacted by phone to explain the situation. They agreed to contact the bureaus to have it removed but it still is reporting. Not only is this a violation of the FDCPA it's also a violation of HIPAA. This company can not and has not produced any proof that I'm legally responsible for this specific debt. I question the signature on the HIPAA treatment consent form as a fraudulent signature but this company continues to report and collect on this debt that is not mine. I even submitted my police report to this company to verify my information was compromised. They still continue to violate the law and is causing me damages and ruining my good credit and name. this company should be investigated for their negligence in the handing of this dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: CA

Complaint narrative:
The Credit Bureaus are reporting Erroneous information on my credit file.

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 2019-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
There's a due process system which this country title court proceedings in this case. However the courtsystem in XXXX; hasn't been  just Or fair for all persons. Kia motors and Hyundai are two separate entities. My contract is only binding to Kia Motors and no others. XXXX XXXX XXXX still remains within the parameters of her contract with Kia.... The vehicle defectiveness and maintenance problem should be repaired by Kia Motors in XXXX.1) due to warranty obligations2) because that's the contract enter in3) all complaints hasn't been repaired4) retaliation due to the complaints do not justify the removal of the vehicle from the XXXX parking lot unjustly. XXXX XXXX   and XXXX XXXX aren't representative of Kia.  No default has occurred since the purchase. Why do we have unauthorized personnel driving the vehicle; has it been repurchase since XX/XX/2019? No; if yes then I do not have any further obligation to Kia or the vehicle. As veteran and retiree I reserve the right to express and voice consumer issues as they pertain to safety, effectiveness and efficiency !!!Consumer problem with maintenance and high attention to detail.. Still under maintenance contract...The vehicle still has not work to my expectation especially as a brand new purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: FL

Complaint narrative:
I have incorrect information on my credit file as a result of identity theft:TRANSUNION|HARD INQUIRIES|| XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX (XXXX) XXXX || XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX  (XXXX) XXXX || XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX (XXXX) XXXX ||COLLECTIONS||1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XX/XX/XXXX $XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX) XXXX2|-----------------------------------------------------------------------------------------------------------------------XXXX|HARD INQUIRIES||XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX   XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX||COLLECTIONS:XXXX XXXX - XXXX - XXXX XXXX|-----------------------------------------------------------------------------------------------------------------------TRANSUNION|INQUIRIES||XXXX XXXX XXXX   XX/XX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX |XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX (XXXX) XXXX |XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX   BYMAILONLY||COLLECTIONS:CXXXX XXXX XXXX XXXX XXXX XXXX|

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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 have incorrect information on my credit file as a result of identity theft:XXXX|HARD INQUIRIES|| XXXX XXXX  XX/XX/XXXX  XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX (XXXX) XXXX || XXXXXX/XX/XXXX  XX/XX/XXXX  XXXX XXXX XXXX    XXXX XXXX XXXX XXXX XXXX WA XXXX (XXXX) XXXX || XXXX  XX/XX/XXXX  XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX  (XXXX) XXXX ||COLLECTIONS||XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XX/XX/XXXX  $XXXX  -  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX|-----------------------------------------------------------------------------------------------------------------------EQUIFAX|HARD INQUIRIES||XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX - XXXX  XX/XX/XXXXXXXX   XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX||COLLECTIONS:XXXX XXXX XXXX XXXX XXXX XXXX XXXX|-----------------------------------------------------------------------------------------------------------------------XXXX|INQUIRIES|XXXX XXXX XXXX  XX/XX/XXXX  XX/XX/XXXX  Bank Credit Cards  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX  XX/XX/XXXX  Bank Credit Cards  XXXX XXXX   XXXX XXXX XXXX, NV XXXX XXXX XXXX |XXXX XXXX XXXX  XX/XX/XXXX  XX/XX/XXXX  Bank Credit Cards  XXXX XXXX XXXX XXXX XXXX, DE XXXX   BYMAILONLY||COLLECTIONS:XXXX XXXX XXXX XXXX XXXX XXXX|

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: EQUIFAX, INC.
State: AL

Complaint narrative:
As you will review, if you have access to my records, I have had many complaints again my mortgage company. In XX/XX/2019 I thought a resolution had been made with XXXX XXXX. At the beginning of XX/XX/2019 I realized that the issue was not resolved because my account was showing delinquent on my credit report. It stated I still owed for XX/XX/XXXX. The overall issue is this, which then brings me to my dispute with my credit report.They want to charge me $XXXX a month for my escrow. When I calculate my escrow based on my Taxes and Insurance bill the basic math equals $XXXX. If then I provide a 2 month cushion, the amount comes to $XXXX. Currently I send in a check each month one for Principle and Interest = $XXXX   and then an Escrow check = $XXXX. The billing department will put all of my money into Escrow because I am not equaling to what they say I owe which is $XXXX. Then my account looks delinquent when in actuality I have paid. They did this all last year and are starting to do it again. If I put on the memo line of my check what it is to be accounted for that should not be an issue. I also always include a letter with the same information. There has never been any dispute of this information provided to me in writing, I am only informed by my credit report. They never send me notifications or statements. The only communication I have is with XXXX XXXX In the end all I want is to have my credit report reflect I make my Mortgage payments on time, because I do and I can prove that. If they choose to put the money toward Escrow and ruin my credit then I will continue to complain and may have to take further legal action which I really do not want to do. This saga has gone on too long and according to some research this company seems to have a lot of complaints and one lawsuit due to the same issues as I am having. If you are suppose to be looking out for the Consumer why does it take so long for these companies to be taken to court and made to account for their actions?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: GA

Complaint narrative:
To whom it may concern,From XX/XX/XXXX to XX/XX/XXXX, the credit card company named XXXX XXXX/XXXX  XXXX   reported to the credit bureaus that I was late on my payments for 30 to 150 days. This information is incorrect because I specifically asked a representative to set up automatic payments on my account to avoid any delinquencies or past due amounts.The representative failed to set up the automatic payments; however, I wasn’t aware that the payments were not automatically coming out of my bank account. In addition, the company never sent out my bills in the mail nor did they attempt to contact me about my account. Therefore, my account should have never been reported as late because the company failed to do their job and inform the customer about any issues.

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 2019-08-20 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: GA

Complaint narrative:
To whom it may concern,From XX/XX/XXXX toXX/XX/XXXX, the credit card company named XXXX XXXX/XXXX XXXX  reported to the credit bureaus that I was late on my payments for 30 to 150 days. This information is incorrect because I specifically asked a representative to set up automatic payments on my account to avoid any delinquencies or past due amounts.The representative failed to set up the automatic payments; however, I wasn’t aware that the payments were not automatically coming out of my bank account. In addition, the company never sent out my bills in the mail nor did they attempt to contact me about my account. Therefore, my account should have never been reported as late because the company failed to do their job and inform the customer about any issues.

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 2019-08-20 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: ID

Complaint narrative:
Equifax; XXXX  and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX XXXX – partial account number XXXX.  (Please see page 4 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User.  I have contacted the bureaus to fix this issue however, I have not been successful.  This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SOUTHWEST FUNDING, LP
State: TX

Complaint narrative:
After many calls, emails, and text messages, my lending company, Southwest Funding, in XXXX, Texas, is no longer returning my calls to update when we will close. The lending company forgot to order the appraisal until just before anything was sent to underwriting. We have had to get 2 different appraisals because the lending company said the first one was not good enough. We have failed to get a response about our earnest money, if the seller decides to back out. This has been going on for two months, and the seller has chosen to walk away from the deal if we dont close in the next 72 hours. We were told that our file was perfect and ready to be approved once the final appraisal was submitted. It has been 8 days since then and we have heard nothing. Our lender has urged us to spend money out of our comfort zone with little explanation as to what it is for.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: CA

Complaint narrative:
The Credit Bureaus are reporting Erroneous information on my credit file.

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 2019-08-20 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: CA

Complaint narrative:
The Credit Bureaus are reporting Erroneous information on my credit file.

Company response to consumer: Closed with non-monetary relief