vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-07 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: GA

Complaint narrative:
I have no knowledge or records of this account on my report. I have disputed this unknown fraudulent medical account with the reporting Collection Agent, ( copy enclosed with proof of their receipt ), and have had no valid response. 
Please advise me as to the name and address of the health care provider, the name of the patient, and the reported date of service, as any account I might have had at one time would be obsolete.

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
If you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the CFPB for FCRA and FACTA violations, the OCR for HIPAA violations and appropriate State authorities. 
Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the ARRA, SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX. 
Additionally your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) I also reserve the right to include your Bureau in any legal remedies I pursue. 

You compromised my personal information with your security breach YET allow companies to place fraudulent tradelines on my credit report. The same information YOUR company compromised is the SAME information someone needs to place fraudulent things on MY report that YOUR company furnishes. It seems as if equifax is in the fraudulent companies side vs the consumers!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 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: CAINE & WEINER COMPANY, INC.
State: IA

Complaint narrative:
This company is reporting constant late payments on my account, however the account is not mine whatsoever, I called and spoke to them and told them they were reporting incorrectly, they then told me they were going to continue to report anyways. I asked for the original documentation and contract that was supposedly mine and they emailed me a blank pdf file with some non-sense written on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MONEY SOURCE, INC., THE
State: CO

Complaint narrative:
Company continues to bill wrong account which generates " insuffient fund fees '' for them and the debited bank. Attemped several times in XXXX and XXXX to change the account on-line but the company claims to have no record of this action. A telephone conversation on XX/XX/XXXX revealed they had the correct account number ( last four digits ) but continued to submit billing to the account from the origination of the loan. Furthermore, the company claims to have submitted billing to the account on file but, but the bank stated no billing occured. I've incurred NSF fees from the mortgage company and the debited bank plus probably negative comments to the credit unions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Payments Check Services, Inc.
State: MO

Complaint narrative:
I called to get documation on the listed debt, There is no phone number listed on my XXXX credit report with the company, I sent a letter to the address to the address and have not received a response. I disputed through XXXX and the debt remains.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: TN

Complaint narrative:
I am writing concerning my request that the BANKRUPTCY placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. Experian, XXXX and XXXX have willfully refused to acknowledge my request. In the attached documentation you will see that a forensic search proves my name and case for the above mentioned bankruptcy does not appear. Therefore it NOT possible for the bureaus to say the account was VERIFIED/VALIDATED. I will also note that it took several months and an XXXX of XXXX to get the XXXX XXXX  to respond to me concerning my own case. They emphatically state that THEY DO NOT RESPOND TO 3rd PARTY REQUESTS. I demand XXXX XXXX XXXX validate this information by law 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

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 2019-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/19, at approximately XXXX hours, i responded to a XXXX  advertisement selling XXXX XXXX XXXX XXXX tickets. The seller, who referred to himself as " XXXX XXXX XXXX '' and used cell phone number XXXX, told me to use the Chase bank " quickpay '' application to send him the money, and he would then forward me the tickets. After forwarding {$280.00} to his email address ( XXXX ) and bank account, i stopped receiving communication from the seller. I contacted my bank ( JP Morgan Chase ) and asked what they can do to investigate the sellers bank account and they refused to investigate. I thought that since the quick pay was apart of Chase 's application, they would protect any fraudulent activity that occurred on their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: TN

Complaint narrative:
I am writing concerning my request that the BANKRUPTCY placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. XXXX, Equifax and XXXX have willfully refused to acknowledge my request. In the attached documentation you will see that a forensic search proves my name and case for the above mentioned bankruptcy does not appear. Therefore it NOT possible for the bureaus to say the account was VERIFIED/VALIDATED. I will also note that it took several months and an Act of XXXX to get the BK Courts to respond to me concerning my own case. They emphatically state that THEY DO NOT RESPOND TO 3rd PARTY REQUESTS. I demand EQ XXXX XXXX validate this information by law 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and  completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Diversified consultants is reporting negative false information to all three major crediting reporting agencies XXXX me. I need copy of signed contract between me and diversified consultants with my wet signature. I have never signed a contract with diversified consultants and do not owe this debt. It needs to cease and desist on any collection and remove this false collection from my credit reports. I also demand any information they have and all statements dating back for 12 months to be sent to me with proof of my wet signature attached. I have contacted this company and they have refused to show proof I owe this debt and have failed to show I have a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MD

Complaint narrative:
This is the third collection company that is saying that I owe XXXX {$2500.00}. I left XXXX several years ago with a XXXX balance ; and transferred all of my numbers to a new phone company. 
Everyone knows that you can't transfer your numbers to a new phone company unless you have a XXXX   balance. 

I called XXXX about the situation and they said that they have no information about this so called debt.

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 2019-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
Debt collection company showed up on my credit report saying that I owe them {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: IA

Complaint narrative:
Recieved a notice from all 3 credit reporting agencies about a debt from Cavalry Portfolio Servic. Cavalry Portfolio Servic  did not send any notice to me. They open a collection account on all three credit agenices. I tried to dispute the debt through the credit agenices as this company never provide any information to me nor gave me a 30 days to dispute the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Comerica
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX allowed XXXX to withdraw XXXX from our card. 
Contract with XXXX ended in XX/XX/XXXX, all equipment was returned. hadn't, heard from XXXX that we owed them any money from XX/XX/XXXX until XX/XX/XXXX. The XXXX XXXX  card used was never a card on file with XXXX, They were not authorized to use this card, they retained the cards info from a time that we used it to pay a bill. XXXX XXXX began an investigation, we submitted our documents showing this was fraudulent charge. XXXX returned our money to us on XX/XX/XXXX. We thought that was the end. XXXX took the money back XX/XX/XXXX and told us the investigation wasn't complete. This money is our total income, XXXX was never authorized to use this card, XXXX concluded the investigation XX/XX/XXXX and we still dont have our money back, not to mention when contacting XXXX, they cant even find us in their system. We didn't dispute the fact that we may owe XXXX money, we disputed the fact that this was not the card on file that XXXX had, they were NEVER AUTHORIZED TO TOUCH THIS CARD! XXXX XXXX is bogus they let anyone use this card and they dont return our money leaving us with no way of feed our kids or pay our bills this month. This is the 2nd time. XXXX still cant find us. XXXX needs to return our money!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank, Home Mortgage insists that their on-line site is safe, but if it's safe how did my payments from XX/XX/XXXX and XX/XX/XXXX go missing? Wells Fargo Bank 's site is not safe. Wells Fargo Bank , Home Mortgage insists that I did not make these payments, but I am sending my records proving when these payments were made on their on-line site, which were stolen during transmission from the Wells Fargo Bank on-line site. Now they claim I have not paid off my mortgage loan, but I did. Wells Fargo Bank, Home Mortgage has been charging me late fees and other penalties since XX/XX/XXXX, which they must return to me immediately. Wells Fargo Bank employee at the branch location in XXXX, TX gave out my and other mortgage loan numbers to known criminals. Wells Fargo Bank has been attempting to deny this fact and trying to claim I owe money because a loan was given to criminals using my mortgage account number as collateral. I did not take this loan and I refuse to pay back a loan that was given to known criminals.

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 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Amsher Collection put a collection on my credit report I dont know how. I never gave them my social, I dont owe them money or anyone they collect for. I've called and left messages. THey are impossible to get a hold of. 

THey claimed on an old dispute that they reached out to me. They never did. 
My private information has been stolen or misused. THey also are lying, my father who has the same name verified that the social on file is his. 

If you ask Amsher to verify all the numbers on my social not just the last 4 I am almost sure they can't verify it. If they do, it is stolen information. 

This collection keeps unrightfully so being sold back and forth between companies. 

XXXX XXXX to XXXX XXXX XXXX ( who took it off my credit ) but then turned around and sold debt to Amsher. What XXXX XXXX did as unlawful. All of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Bankruptcy was dismissed and discharge over 10 years ago and XXXX XXXX was paid in full ( should be removed from my credit file ) was paid prior to be in 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 2019-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
The Navy Federal Credit Union has not been able to issue a XXXX for the various accounts I have in this Credit Union and I need to complete my Federal and State Income Tax Returns for 2018 and other income reporting. 
For several weeks I have called their support information and they keep pointing me to a one line at the end of the monthly statements where they indicate how much I had received in interest for the saving and money market account for 2018. They failed to add on the amounts of interest earned in the CDs I have. 
This one line summary is not a XXXX that I can submit to IRS. 
I have spoke to a Manager in the phone and gone repeatedly to their location in XXXX, Virginia, nothing seems to work. They repeatedly indicate that the only way they can issue a XXXX is by sending it via US Mail. And they do not send it. hey keep send me again and again my monthly statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Bankruptcy inaccurate over the statue of limitation chapter XXXX and chapter XXXX dismissed never filed or completed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Bankruptcy inaccurate statue of limitation by Federal Law over 10 years chapter XXXX and chapter XXXX dismissed never filed or completed

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 2019-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MH

Complaint narrative:
On XX/XX/2019, I sent my IDR Recertification as required, including my entire tax return to XXXX XXXX. On XX/XX/2019, I received a document stating I had not sent all required information. I immediately called and asked what was required, and the agent said there had been an error and they would send my documents for review again,. As I didn't hear from them two weeks later, I called again. They didn't know anything about my previous call 's results, and they said again that I had in fact sent all required pages and they would review it. Two weeks later, I had heard nothing, so I sent an email requesting follow up. I immediately received an email of links to the FAQ but nothing actually relevant to my problem. 

After one week with no further response, I called again, This time, it was claimed that my documents had been reviewed both times but I had not received the results I wanted. Note that I had received no notification of these supposed decisions. I was asked for other proof of income. I have uploaded these documents but received no confirmation of receipt. I also have no confirmation that I will not be required to pay the full amount in XXXX when my IDR expires. Moreover, if my IDR is calculated based on pay stubs rather than my income tax return, I will end up being billed more because my deductions will not be considered. This is fundamentally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: FIRST ADVANTAGE CORPORATION
State: NC

Complaint narrative:
Several items on my credit report with this company are for years prior to XX/XX/2011. I have written this company twice asking that these items be removed from my record to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: CT

Complaint narrative:
I consolidated approximately {$46000.00} in student loans with XXXX XXXX  in XX/XX/XXXX. XXXXXX/XX/XXXXbought XXXX and lost my note. I Hired attorney and resolved the matter. Paid back approximately {$110000.00} for the {$46000.00} I borrowed. Constant record keeping problems with XXXX and other government subsidized collectors. Its paid in full. They say {$5000.00} outstanding. THEY ALSO SAY THAT XX/XX/XXXX brought a collections action against me. NO SUCH COLLECTION ACTION HAS BEEN TAKEN! I have never been notified by XXXX XX/XX/XXXX of any such collection. I WISH THEY WOULD START AN ACTION so I could straighten this out. They are falsely reporting a collection action to credit report. They need to SUE ME for their delinquency claims OR GET THAT OFF MY REPORT. This should be illegal. The student loan collection practice throughout the life of the loan has been rife with inaccuracy and abuse.

Company response to consumer: Closed with explanation