vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2018 I disputed an item on my credit report with XXXX XXXX for XXXX XXXX XXXX, as well as with the credit reporting bureau 's. The apartment complex is reporting that I owed for a rental in my name. I never lived at or had even physically visited this complex. After further research from the apartment manager they concluded that the SSN used to open the lease agreement was not mine but the name used was mine. They gave me a signed letter stating these facts but the debt is still reporting on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: UT

Complaint narrative:
XXXX/XXXX  # XXXX is reporting an account to my credit that should not be on there. I have paid this account off and it is still reporting a balance to my credit. This is a violation and I need it removed off 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 2020-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Siggi LLC
State: VA

Complaint narrative:
In XX/XX/XXXX I enrolled in XXXX XXXX XXXX. I included a loan with Omni Financial. In XX/XX/XXXX I contacted Omni and made them aware that I enrolled this debt into the program. I also told them that XXXX XXXX would be the point of contact and they would receive information on this in the mail. There have been several phone calls and threats of calling family members that we listed as references. We contacted XXXX to ensure they were going to contact Omni Financial. XXXX told us that they sent them a letter as well as a power of attorney acting on our behalf. Last month we had this conversation with Omni Financial and stated that they were not allowed to contact our references on our account. Today ( XX/XX/XXXX ) Omni attempted to call my house phone, with a private person 's cell number that I did not know. XXXX XXXX XXXX. Then she proceeded to call my mother in law at XXXX. My wife called her back and again, we explained the situation and that this debt is enrolled with XXXX XXXX and that they have been told before not to contact our references. I explained that I was going to contact your agency because this is harassment. We have been in contact with this company from the beginning. They are supposed to communicate with XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I was hospitalized at XXXX Hospital in early 2019. I set up a payment arrangement with the billing department as soon as I was able to return to work after being out for three months. I am current on my payments of {$75.00} per month being paid directly to XXXX Hospital billing department. However, this medical bill is reflecting on my credit report as an unpaid collection from all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
To Whom It May Concern : On XX/XX/XXXX, we paid off our home mortgage with Lakeview Loan Services LLC. The amount due was wired through XXXX XXXX XXXX from our XXXX XXXX XXXX XXXX in XXXX Colorado. We never heard anything from Lakeview that the loan was paid in full. We just stopped receiving bills for our mortgage. 
In XX/XX/XXXX, I called the XXXX County Clerk and Recorder Office in XXXX, Colorado and asked if they had received evidence that our loan had been paid. They only had the lean we originated when we purchased the house. 
I then called Lakeview Loan Services on or about XX/XX/XXXX to ask about our loan and if it had been sent to our county or another county by mistake. They assured me that it had been released on XX/XX/XXXX. 
On XX/XX/XXXX, I called XXXX County Clerk and Recorder Office again and after checking again, nothing had been posted. 
I called Lakeview Loan Services again that day and she said it had not been sent, but would be sent that day, XX/XX/XXXX. 
In the first part of XXXX we received the Annual Tax and Interest Statement and a Customer Account Activity Statement. The Customer Account Activity Statement shows the payoff payment, but no XXXX   balance of the loan. 
So, XX/XX/XXXX, I called that XXXX County Clerk and Recorder again. Nothing has been received and posted. 
I called Lakeview Loan Services again and the woman I spoke to said that it should have gone out fifteen ( 15 ) days after it was paid in full. I asked them if they could send a new document, they could not answer or explain anything, the woman was silent, I finally just had had it, I felt like they didnt know what they were doing. 
It has been five months, I made several calls and finally someone gave me the number for the Consumer Financial Protection Bureau. I am hoping you can contact this company and resolve this issue. If my husband were to pass away, I could not sell the house. This is just wrong and Lakeview is doing absolutely nothing to correct the mistake they made. They have made no effort to contact us. 
Thank you for helping us out on this matter. I look forward to hearing from you soon. 
XXXX XXXX XXXX and 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 2020-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Texas Guaranteed
State: VA

Complaint narrative:
XX/XX/XXXX, I have been contacted on several occasions by Trellis company about a student loan from Texas Guarenteed from XXXX, from XXXX that was discharged in XX/XX/XXXX. I have send correspondence with date of discharge to Trellis about Chapter XXXX, total liquidation, and that since XXXX  Did not come the creditor meeting in XX/XX/XXXX nor after discharge 60 days which they XXXX  the creditor, did not come to court in XXXX Bankruptcy Court. All debts were discharged and here is the number XXXX. 

I need help and no body wants to help me a single mom, and who XXXX XXXX XXXX XXXX folks and seniors. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was hospitalized at XXXX Hospital in early 2019. I set up a payment arrangement with the billing department as soon as I was able to return to work after being out for three months. I am current on my payments of {$75.00} per month being paid directly to XXXX Hospital billing department. However, this medical bill is reflecting on my credit report as an unpaid collection from all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I was hospitalized at XXXX Hospital in early 2019. I set up a payment arrangement with the billing department as soon as I was able to return to work after being out for three months. I am current on my payments of {$75.00} per month being paid directly to XXXX Hospital billing department. However, this medical bill is reflecting on my credit report as an unpaid collection from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo dispute resolution would not issue a chargeback involving merchant XXXX XXXX ' XXXX  which admitted to fraud. XXXX XXXX XXXX XXXX knowingly over-charged {$29.00} and Wells Fargo 's response is that merchants can run their businesses however they want.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have had my Social Security number and personal information stolen numerous times. 
Transunion is the only reporting agency that I have not been able to sign in or report. I think I have a credit freeze, but I am not sure because I could never get any information from them. When they were trying to identify me, they ask question from years ago that I don't remember. Who remembers every telephone number they have ever had.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I XXXX XXXX XXXX DO NOT NOR HAVE I EVER HAD AN ACCOUNT WITH XXXX XXXX XXXX. 
XXXX XXXX XXXX Reported : XX/XX/2020 {$170.00} Needs Attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SLM CORPORATION
State: NC

Complaint narrative:
About two months ago I thought my student debt was deferred until i graduated from college. Now they are calling and writing letters saying that I owe them around XXXX $ for interest. Ive been battling with my loans for a year and a half now ; but more issues keep getting created by sallie mae. I owe around XXXX and with interest it is over XXXX. Im already paying on student loans every month by a different company ( XXXX $ ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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'm Very upset that someone is trying to destroy my image all of these account is fraud I did not allow anyone to use my personals information to open any accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24 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: FL

Complaint narrative:
I'm Very upset that someone is trying to destroy my image all of these account is fraud I did not allow anyone to use my personals information to open any accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I have disputed this collection previously and have not received validation of this debt. I am taking further steps to verify that this debt is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: AL

Complaint narrative:
I HAVE BEEN ASKING THIS COMPANY FOR A YEAR NOW TO SEND ME DOCUMENTATION WHERE THIS ACCOUNT IS MINE,. 
I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX ( XXXX XXXX XXXX? 
I AM ASKING THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY XXXX XXXX XXXX  Reported : XX/XX/XXXX {$8700.00} Closed OTHER LOANS XXXX  XXXX XXXX # XXXX Reported : XX/XX/XXXX {$230.00} Needs Attention XXXX XXXX XXXX # XXXX Reported : XX/XX/XXXX {$400.00} Closed XXXX/XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: AL

Complaint narrative:
I HAVE BEEN ASKING THIS COMPANY FOR A YEAR NOW TO SEND ME DOCUMENTATION WHERE THIS ACCOUNT IS MINE,. 
I HAVE NEVER HAD AN ACCOUNT WITH CREDIT ACCEPTANCE ( XXXX XXXX XXXX? 
I AM ASKING THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY XXXX XXXX XXXX  Reported : XX/XX/XXXX {$8700.00} Closed OTHER LOANS XXXX  XXXX XXXX # XXXX Reported : XX/XX/XXXX {$230.00} Needs Attention XXXX XXXX XXXX # XXXX Reported : XX/XX/XXXX {$400.00} Closed XXXX/XXXX  XXXX Reported : XX/XX/XXXX {$0.00} Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I was admitted to XXXX XXXX Hospital and XXXX XXXX for an XXXX   XXXX. Charges for this visit were submitted by the XXXX XXXX, the XXXX, and the XXXX  to my insurance company. I later was mailed AND emailed the remaining bills from each. Two of these bills were payed off shortly after I received them and the third I have arranged to make monthly payments on. Months later I happened to take a look at my credit report to find that my scores had been dramatically and negatively impacted by three unknown charges which had been sent to a collection agency. After disputing the largest charge ( {$1000.00} ) with XXXX it was removed from my report. I am now attempting to remove the remaining two charges. ( {$510.00} ) & ( {$740.00} ). After contacting every single department at XXXX XXXX I quickly came to find that no one had ANY information about these charges. I then contacted my insurance company who also had no record of these charges being submitted. I have now been searching all over for any information about the company which submitted these charges. After extensive research I have tied these charges to a XXXX XXXX XXXX Lic # XXXX ( i think ) and a  company called " XXXX XXXX '' or " XXXX XXXX  ''. I was never seen by a Doctor  by that name and received no type of treatment from a group by either name. No type of billing was ever sent to my insurance OR my personal address or email by these people. I have tried countless phone numbers in attempts to contact this person or the companies he is associated with and have come up with nothing. I believe that this person is using there license to charge patients for services which were never rendered and sending them directly to collections as a means of hiding the fraudulence of the charges. Currently I am seeking legal assistance in hopes that ultimately this doctor 's licence will be revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: IA

Complaint narrative:
XX/XX/XXXX phone call about debt from National Credit Systems in XXXX Georgia. 
XX/XX/XXXX returned phone call Advised that they had mailed paperwork to vacant apartment EVEN THOUGH the original ceditor was advised of the address several times by email. 

Nationals credit services ( Ms. XXXX ) advised that this would be reported to the credit bureaus no matter what and that yes, they had mailed it to the vacant apartment, and nothing was mailed to the co defendant ever. 

There is no judgment. 

The debt is inflated no inspection report was ever filed Shifty and vague about explaining to me how to dipsute, since they never provided me notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: I.C. System, Inc.
State: GA

Complaint narrative:
The company has filed information that has damaged my credit ( XX/XX/2013 ) amount {$440.00}.

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 2020-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
ARS ACCOUNT RESOLUTION, has attemtped to collect a eronous debt from XXXX XXXX XXXX XXXX for {$350.00} since XX/XX/XXXX. This amount in question was paid directly to the Doctor 's office in question in late XX/XX/XXXX prior to ARS ever taking the account. I have tried mulitple times to dispute the amount in question directly with the ARS as well as disputed the charges via XXXX  and XXXX XXXX. ARS continues to show this debt/collection on my credit report negatively. They are showing and attempting to collect in error and refuse to remove this from my account. I have also advised ARS of a Cease and Desist back in 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 2020-02-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian credit services has advertising their " Boost your credit score '' program -- simply go onto their website and enter your information, and watch your score increase.

The process is your payments to utilities is to be included in your credit score, obviously if they are paid promptly and correctly to each utility company.

What Experian doesn't divulge is that you have to have at least 3 months of current utility bills ( before XX/XX/XXXX, I paid 7 1/2 years of utility bills without one single late notice from any utility -- water, gas, phone, cable ) Experian couldn't use any of that information since you ONLY QUALIFY if they can verify 3 months prior to your initial date of applying ( my applying date was XX/XX/XXXX ) Not only was this not disclosed when applying for this " Boost '' service, but now my personal bank account , soc sec # and past addresses and phone # is on Experian 's site for no usable purpose. Experian won't even speak with you until you have this personal information entered into their system and obtain a membership # with them. 
SInce credit companies can go back and review 7 years of prior credit, do credit companies really want us to believe they can't also review our utility payments???? What nonsense! Total bait and switch.

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