vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-20 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: WA

Complaint narrative:
On XX/XX/19 I submitted a dispute online with Equifax regarding a collection that is listed on my Credit Report. 

XXXX : XXXX XXXX XXXX - XXXX XXXX, TX - Has not responded to my request for " VALLIDATION '' and is still reporting the information to Equifax. 

i provided Equifax with a copy of the request for Vallidation and the USPS Certified Mail and Return Receipt Request Equifax 's response on XX/XX/19 was that XXXX XXXX XXXX has " Verified '' the information and Equifax is continuing to report he " UN-VALLIDATED '' information. 

I am convinced that Equifax knows the difference between Vallidation and verification and are knowingly continueing to report information that should not be reported as it has not been " VALLIDATED. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion Refuse to do a proper investigation of inaccurate accounts on my credit report. Disputes have came back verified, which I know for a fact is inaccurate. I asked Transunion the following RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous items on my credit report involving a transaction. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and unverifiable and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with.Please include all names and contact information of employees that you spoke to act as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter via U.S. Postal MAIL, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, Trans union refused to send me any data to help with my investigation. So I believe Transunion is in the business of furnishing fraudulent information, because of the lack of following the law.

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 2019-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Michael Harrison, Attorney at Law
State: NY

Complaint narrative:
On or about XX/XX/2019, I was served with court to answer a debt owed to XXXX XXXX XXXX by the XXXX XXXX XXXX XXXX. 
While I filed a reply, requesting documents about my debt, I was answered with a Motion for Summery Judgement, which to make a long story as short as possible, they were successful.

While, I must state, that the firm was most cordial, and polite in all my dealings with them, I find that by not providing the debtor with an appropriate invoice detailing the charges, prior to, and subsequent to the court action is in my opinion, while obviously legally proper, because after all they did prevail, not morally or ethically correct. 
All in all, not to the determent of the law firm, I feel that I was massively overcharged for the services rendered. and yet no recourse whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlantic Recovery Solutions LLC
State: NV

Complaint narrative:
Received a voice mail from XXXX phone number XXXX where it implied that further measures would be taken. Verification of employment implies that possible lawsuit and garnishment would happen. I believe this practice is abusive and should not be done as such.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: WA

Complaint narrative:
Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX/XXXX   partial account number XXXX. This account actually needs to be coded as an M1. ( Please see pages 6 and 7 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
{$5600.00}. 

This amount was kept in a restricted escrow account for payment to a contractor after an insurance settlement for mold repair. 

Ditech has been outright lying to me and the insurance adjusters as to the status of releasing these funds. They claimed they released them in XXXX of 2019 but I am still waiting for payment. The contractor has threatened to put a lien against my property for not paying the balance of the work he completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: Innovate Managed Holdings, LLC
State: SC

Complaint narrative:
I recently filed a report with XXXX, XXXX, and XXXX  of inaccurate items being reported on my credit reports. The following XXXX  aka XXXX  removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Failure to delete items that were disputed as debts which resulted from identity is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be force to fail a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2019-05-20 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: DC

Complaint narrative:
Last year, I reached out to Experian to have information related to XXXX XXXX removed from my credit report XXXX XX/XX/XXXX ). In early XX/XX/XXXX, I noticed that this information was reinserted, but I didn't receive written notification from Experian prior to this information being reinserted into my credit report. 

I've sent XXXX letters to Experian regarding this issue ; today I sent a XXXX informing them that they are in violation by reinserting this information without providing me with written notice before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX and Transunion are reporting an incorrect coding of the XXXX   XXXX/XXXX partial account number ****XXXX. This account actually needs to be coded as an M1. ( Please see pages 6 and 7 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The Debt Collection Company XXXX XXXX XXXX, XXXX has been reporting the incorrect First Date of Delinquency to the Credit Bureau for account # XXXX. The First Date of Delinquency being reported to the credit bureau is XX/XX/XXXX. As outlined in the uploaded XXXX XXXX XXXX documents the First Date of Delinquency as XX/XX/XXXX in the reply to CFPB claim XXXX. XXXX listed XX/XX/XXXX as the date they purchased the account. According to FCRA XXXX ( XXXX ) ( A ) Date of Delinquency must match that of the Original owner of the creditor ( XXXX XXXX. I tried to request a dispute regarding the incorrect date of delinquency being reported however, Experian will not allow me to file another dispute. The previous dispute was closed without any resolution. I do not believe Experian requested the proper documentation to substantiated the information being reported. XXXX also just completed an account ownership verification and not an investigation of the accuracy of the information as I specified. Please see the Reply provided by XXXX XXXX XXXX on XX/XX/XXXX to Consumer Financial Protection Bureau claim XXXX XXXX, alleging that they are reporting a First Date of Delinquency of XX/XX/XXXX not XXXX. In this case XXXX is alleging that the Experian and XXXX Credit bureau is INTENTIONALLY NOT reporting the correct Date of Delinquency of XX/XX/XXXX. ( Please see attached documents to support claim ).

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 2019-05-20 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: FL

Complaint narrative:
This collection agency has not identified what debts are owed nor to whom. My hospital visits were supposedly processed by a social worker whom stated that I would not need to pay for my stay, medication, nor anything related to healthcare due to me me being indigent and homeless. I have attempted several times to contact the debtor and ask for a breakdown of the bills in question and have not received a response. I have also disputed based on not having enough information to identify the debt and they have failed to respond to 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 2019-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: GA

Complaint narrative:
I received a letter from Selene Finance dated XX/XX/19 stating I had not paid my mortgage in XXXX and XXXX and that I was in jeopardy of losing my home. I called them and spoke with XXXX and gave him the check numbers for the checks that had been processed through my bank showing that I had made payment. He stated that they had received my XXXX payment on XX/XX/XXXX, so I asked why the letter dated XX/XX/XXXX stated they had not received my XXXX payment. He didn't have an answer. Since that day, I have had conversations with XXXX and XXXX about this situation and all they tell me is that my payment was returned and I've explained that no it hasn't. They are saying I didn't have enough money in my account and my check must have been returned. HELP! I found out today Selene has reported me over 30 days late on my credit report. I really need all this cleared up. I've never had a problem like this with any other mortgage company/servicer. I've attached a copy of my checks ( front and back ) and my bank statement showing the amount was deducted from my account, not returned for insufficient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I went to PNC Bank. Requested a withdrawal amount of {$1000.00} dollars. The teller provided me {$700.00} only and didn't provide me a receipt. Now, I would like to see the footage from the cameras of the branch for accuracy since they say in their sistem it says {$1000.00}. They aren't willing to help as I need their help clarify this. Please help me, if it takes me to testify in court I will. I need to see the footage of the cameras from XX/XX/2019 in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly a late payment in XXXX, 2019 on the XXXX XXXX account. I never received a statement in the mail so I paid over what I thought was the outstanding balance. Unfortunately, the interest carried over and I was short on the monthly payment by a fraction. I wasnt aware of a late payment until I looked at my most recent credit report and saw there was a late charge. I immediately paid the amount required. However, due to not receiving my statement and not being properly notified of the late payment, I respectfully request that this late payment be removed from my credit report. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX [ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, md XXXX Re : Disputing error [ s ] on credit report Dear XXXX XXXX XXXX I am  writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : Dispute 1 [ These are examples. Pick the ones that apply to your credit report. ] Account Number or other information to identify account : [ XXXX XXXX XXXX, reported balance {$1100.00} ] Dates associated with item being disputed : [ XXXX XXXX ( 3 years, 9 months ] Explanation of item being disputed : [ Insert a detailed explanation of why the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] The report shows I currently owe money to your company that is not accurate. I stopedstoped using XXXX in XX/XX/XXXX as I didn't have any contract at a time, as I also was travellingtravelling XXXX to stay with my for awhile I stayed there for 3 years before I returned back in the states. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy cash I paid my settlement off with them, this account should be removed off my credit, I have tried to fax and email them numbers of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I authorized XXXX to take {$140.00} a month. They took that plus {$450.00}. I never authorized this. They used the information from one loan to deceptively take an additional amount out. When I told them they said it would take 5-10 days to refund my money. This happened two months in a row. 
Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Student Services
State: MN

Complaint narrative:
In XX/XX/2015, I entered into an agreement with a company that promised to help me with my student loan debt. Through their advertisements, our contract and our oral discussions, the company promised to set me up either with favorable student loan repayment terms or a settlement, as well as credit repair. I paid them money up front and then monthly for about two years, but they did absolutely nothing for me. They lied to me and then disappeared. 

The company 's name was XXXX XXXX XXXX. They were registered with the California Secretary of State, but appear to be inactive now. They had an address located at XXXX XXXX XXXX, XXXX XXXX, California, XXXX, and a phone number of XXXX. They also had a website of www.processingservices.org, which is also inactive, but you can find the website historically through the XXXX XXXX. The most recent listed CEO and Manager was XXXX XXXX, who appears to still be running businesses in California. 

The contract is attached and, as you can see, between upfront fees, monthly fees, and account fees, I paid this company about {$3000.00} and they did nothing for me. The company violated multiple provisions of the Credit Repair Organizations Act and committed fraud by scamming me out of this money. When I complained that nothing was happening, they said I had about {$1800.00} left in an escrow account and that they were going to send it to me, but they never did and they have not reimbursed anything I paid to them. Please help me get this money back.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I had an account that I had not used in a while. When I initially tried to use it, the bank that issued the card flagged my account and locked it until I provided documentation for my identity. I complied and sent them documentation by mail, and that satisfied their conditions and unlocked my account. I then purchased gift cards on my Victoria Secret account card on XX/XX/2019. The account was flagged again, and the cards devalued by the issuing bank. I have been trying to get this resolved for the last five weeks, with multiple calls. Promises by many supervisors, telling me just wait a few days, or that the process to put the funds back on the card will take a few days, and nothing has been resolved yet. I have now been charged interest on the account and am late on my first payment, on purchases that I don't even have. My Victoria Secret card is by Comenity Bank. It is now XX/XX/2019.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and XXXX are reporting incorrectly a late payment in XX/XX/2019 on the XXXX/XXXX XXXX account. I never received a statement in the mail so I paid over what I thought was the outstanding balance. Unfortunately, the interest carried over and I was short on the monthly payment by a fraction. I wasnt aware of a late payment until I looked at my most recent credit report and saw there was a late charge. I immediately paid the amount required. However, due to not receiving my statement and not being properly notified of the late payment, I respectfully request that this late payment be removed from my credit report. This incorrect reporting is harming my credit score.

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