vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried multiple times to pull my credit report with multiple different company 's. I have tried to pull my credit report with XXXX XXXX and was receiving dashes for all of the information. I reached out to the three credit bureaus and they stated all of my information was correct. I waited about a week and tried to pull my report through XXXX XXXX again. Now it was reporting information but said it was last updated XX/XX/2018. I reached out to the three credit bureaus again and they stated all of my information is correct I should not have an issue. I waited another week and tried through XXXX XXXX again and I had a XXXX score with XXXX  but showed I have no credit history. Transunion was showing dahes. I had no score with Transunion. I reached out to all three of the credit bureaus again and they stated they have my social and all of my correct information but XXXX XXXX still is not showing me having any credit at all. I have tried to pull my credit report with all three credit bureaus through XXXX XXXX and received an error stating my social was not correct. I contact all three credit bureaus and they stated that my social is correct. I tried XXXX XXXX 2 more times and was still not able to get any information. Also, I have tried pulling my report through XXXX and was able to access my report for XXXX and XXXX but it shows I have no credit at all. Transunion would not let me even access my report. I have done contacted each of the bureaus 6 times and still have no information reporting.

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 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried multiple times to pull my credit report with multiple different company 's. I have tried to pull my credit report with XXXX XXXX and was receiving dashes for all of the information. I reached out to the three credit bureaus and they stated all of my information was correct. I waited about a week and tried to pull my report through XXXX XXXX again. Now it was reporting information but said it was last updated XX/XX/2018. I reached out to the three credit bureaus again and they stated all of my information is correct I should not have an issue. I waited another week and tried through XXXX XXXX again and I had a XXXX score with XXXX but showed I have no credit history. XXXX was showing dahes. I had no score with XXXX. I reached out to all three of the credit bureaus again and they stated they have my social and all of my correct information but XXXX XXXX still is not showing me having any credit at all. I have tried to pull my credit report with all three credit bureaus through XXXX XXXX and received an error stating my social was not correct. I contact all three credit bureaus and they stated that my social is correct. I tried XXXX XXXX 2 more times and was still not able to get any information. Also, I have tried pulling my report through XXXX and was able to access my report for XXXX and Experian but it shows I have no credit at all. XXXX would not let me even access my report. I have done contacted each of the bureaus 6 times and still have no information reporting.

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 2019-03-28 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I noticed information being reported on my credit report with this company Caine & Weiner, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, And stating is from XXXX XXXX by XXXX XXXX XXXX office. However I did not owe anything to XXXX XXXX. My policy was switched over when I relocated to another state. If I had old any money on the account then they would not have to provide me car insurance in another state. XXXX what I had said to pay what was owe back in the state of New Jersey   before we could give you insurance in the state you're in now. I never heard of this company that is reporting this on my credit report. I also never received one letter from this company. I have no idea who this company is. I also had contacted XXXX on regards to the matter. XXXX is stating they see that I had paid off everything that was old. Did my policy got switched over to another state. They can not understand what is going on. I feel like I'm unfair report anything if I have relocated to another state a long time ago and never got the information. 

Below is my information from New Jersey. Name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX New Jersey zip XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northeast Recovery Solutions, LLC
State: MD

Complaint narrative:
I am receiving phone calls from someone names XXXX XXXX with NRS Mediation claiming i owe money from a payday loan. I told her i don't owe anything for payday loans, but if she would show me any sort of documentation verifying this so-called debt i would be happy to review and pay off. She then threatens that i have been sent documentation many times, which i have not. Then threatens she will just file paperwork with court system to have my wages garnished. At this point i said if you will not show proof of debt i am hanging up, which i did. She is now calling my family members telling them that I need to call her back. This needs to stop. 

Persons name is XXXX XXXX, caller id says her number is XXXX, but when she calls my family she says to call her back at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I began this loan in XX/XX/XXXX with Kia Motors Finance- my car payment is {$460.00} monthly. I have always paid more than my car payment on every payment I overpay at least $ 400- {$1000.00} Yet..I have been unable to access my online account with them since late XX/XX/XXXX. This is the ONLY platform I can pay my car payment without a processing fee. 

Therefore I have to ALWAYS pay a processing fee even when I want to pay fee free online because they refuse to give me access to their online account. 

Additionally XX/XX/XXXX I was offered a deferment on payments with a 14 day window from XX/XX/XXXX ( even though they claimed to have emailed it on XX/XX/XXXX ) toXX/XX/XXXX return the paperwork which I NEVER received. 

My email address and mailbox at my home has never received anything from them for this extension whatsoever. They still however reneged on it saying it expired being I didnt return the forms ( that I never received ) in 14 days. 

When I asked today, XX/XX/XXXX, if I can apply the extra money I've paid over the years ( they put toward principal ) toward the current balance of {$930.00} I owe currently I was told they can not even speak to me or do anything with my account until I make one payment. Mind you my last payment was XX/XX/XXXX of {$200.00} and before that was $ 2,200+ in XX/XX/XXXX enough for 5 months. 

I am currently out more money than I owe to this firm but am being treated like a crook. I loathe every interaction with them as they take NO accountability for any of their errors and hold customers responsible for them and even charge them fees just out of being unable to correct or explain why you cant pay online. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CT

Complaint narrative:
I am on social security XXXX l only make {$1300.00}. After my Medicare an medical l am left with XXXX my rent is XXXX a month. I never signed any parent loan also in my divorce decree the judge granted my ex husband was dissolved from paying any student parent loan then he also granted me the same. But my XXXX check is getting garnished an l cant get in touch with the IRS I need to talk to a human being. I filled out the paperwork 3 times since last XXXX. I really need help to correct this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: FL

Complaint narrative:
I have in my credit XXXX XXXX XXXX, account XXXX, has 2 late payments in XXXX and XX/XX/2018, I do not recall to have this late payments, I request the removal of these inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: FL

Complaint narrative:
I have in my credit XXXX XXXX XXXX, account XXXX, has 2 late payments in XXXX and XX/XX/2018, I do not recall to have this late payments, I request the removal of these inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Our daughter graduated from XXXX. We took out a parent plus loan all 4 years. When we add up our total with those Federal loans, it's correct. BUT, Navient began contacting us with a balance of {$28000.00} and offer ZERO information on what that is, why they have that balance, we have tried ( without success ) to get an explanation. It seems they have a portion of the SAME loans that Federal loans are already including. So our daughter is struggling to make a payment to her federal loans each month and also to Navient because no one seems to be able to explain why they have it or what it's for. She's basically put out over {$1000.00} to them but each phone call they have treated her with total disrespect as if we are supposed to hand over money she works hard for with no explanation. At the very least if it is legitimate, we would like to have them all with federal so that one payment can be focused on. Navient is a horrible company we don't want to be dealing with while we trudge through this debt. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: TX

Complaint narrative:
Transunion is not abiding by Fair Credit Reporting Act by reporting inaccurate information that has not been validated or verified. 
Because of this, I have contacted The creditor in which this account is reporting from. 
They researched my name, social security number to locate me and suspects inaccurate information due to no match. 
I ask that this be removed from my credit report. 
The account opened XX/XX/2019 The creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Balance {$790.00} Reporting on Transunion Credit Report XXXX XXXX XXXX XXXX ( XXXX name )

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 2019-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Information Bureau, Inc.
State: RI

Complaint narrative:
I have a collection on my credit report for a debt owed to XXXX XXXX XXXX in the amount of {$1000.00} dated XX/XX/2018 that is not mine. I have called XXXX, in fact, I have been there three times in the last two months for other reasons and have made sure that I DO NOT OWE XXXX ANY MONEY. I initiated a dispute online and the " results '' i receive are " account is confirmed as accurate ''. I don't know what this means or what was done, but I asked for documents to show what they are attempting to collect. I have clearly stated that I do not have any dates of service on XX/XX/18 and XXXX is telling me I owe them no money. How can this be reported as accurate if they can not show me what they are trying to collect? Please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Once again I am unable to log into the citi app to pay my bill. This is my second complaint this month about being unable to pay my bill. If I'm charged any fees or interest over this please understand that I will sue and I will win. You must take my payments.

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 2019-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc.
State: AR

Complaint narrative:
A medical debt originally popped up on my credit report in XXXX. It was disputed because I never knew about the debt and it was removed. I attempted to inquire of the debt and the collection agency listed at the time stated they hadn't been used with the original creditor for 8 years. No one knew of this debt. the original creditor stated they had sent the debt to collections and had no knowledge of it. It has been sold at least twice and each time it was disputed within 30 days directly to the new company and never placed on my credit. 

I guess applying for a new credit card in XX/XX/XXXX " pinged '' Commonwealth Financial Systems ( XXXX XXXX   XXXX XXXX XXXX PA XXXX ) who placed the debt, without any notice to attempt to properly collect, on my credit report. They reported the date as XX/XX/XXXX ( in XXXX of XXXX, ) and my score dropped XXXX points to a XXXX with XXXX XXXX. I disputed this with XXXX  through XXXX, sent them a screenshot of a previous dispute from another collector ( XXXX, ) noting they had removed this collection previously after not being able to verify the debt. Within 7 days, XXXX completed the dispute with merely updating the dates of the debt with the dates in my screenshot. 

This collection agency is violated the Fair Credit Act, by not collecting properly and possibly HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: TX

Complaint narrative:
I received a letter from Diversified Consultants dated XX/XX/19. This letter communicates that my account has been placed with their office for collections. I mailed their office correspondence on XX/XX/19 requesting the debt be validated. 

I received a response from Diversified Consultants on XX/XX/19. As expected, the company was not able to validate the debt - they could not provide ANY PROOF that this account belonged to me. The company failed to provide sufficient proof of original documents/contractual agreement validating the debt as mine. 

In fact, the company has proceeded with reporting an unverified account to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: PRESTIGE FINANCIAL SERVICES INC
State: UT

Complaint narrative:
Prestige Financial a debt on my credit file that I do not owe. This debt was included in my Bankruptcy # XXXX. They are in violation of the Bankruptcy Law Act for continuing to report a balance. They are also still updating every month. This needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is in reference to account number XXXX, oh property address XXXX XXXX XXXX XXXX XXXX New Jersey zip XXXX. Account number name under XXXX XXXX. 

Wells Fargo is reporting inaccurate information on my credit report. With some of the credit reporting agencies is appearing as though I still have open account with Wells Fargo. In some cases it's appearing with some type of balance. Each Credit Reporting Agency report something differently. Including on reporting so many lates when there was an agreement reached, that I was sell my house and they physically got paid back their money, that Wells Fargo will not negativity report things on my credit report. As long as I sell my house and they got their money. It seems that my credit report there is multiple Wells Fargo accounts on there. When it's the only show I only had one Wells Fargo account. Well I had people pulling my credit report, apparently there's different information that is being reported by Wells Fargo on different reports.

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 2019-03-28 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 a debt on my credit file that I do not owe. This debt was included in my Bankruptcy # XXXX. They are in violation of the Bankruptcy Law Act for continuing to report a balance. They are also still updating every month. This needs to be fixed.

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 2019-03-28 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: UT

Complaint narrative:
XXXX XXXX a debt on my credit file that I do not owe. This debt was included in my Bankruptcy # XXXX. They are in violation of the Bankruptcy Law Act for continuing to report a balance. They are also still updating every month. This needs to be fixed.

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 2019-03-28 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: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
On XX/XX/18 and XX/XX/18 I went to XXXX XXXX XXXX XXXX owned by Tenet Healthcare. Without my consent they ran my XXXX XXXX credit report even though I gave them my insurance card and drivers license. I gave them no written authorization to run 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 2019-03-28 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: UT

Complaint narrative:
XXXX XXXX a debt on my credit file that I do not owe. This debt was included in my Bankruptcy # XXXX. They are in violation of the Bankruptcy Law Act for continuing to report a balance. They are also still updating every month. This needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank, owner of XXXX XXXX XXXX, Master card, Accounts. On trying to get my cash Rebate for 2018, Purchases made, closes my Account, without my approval. I have been with XXXX XXXX XXXX for more than 20 Years, never late, never over drawn on my limit, I have been very upset on being treated in such an Insulting manner, never the less, now the XXXX Bank is saying since my account has been closed, my earned Rebate is vanished, no managers coming on phone to resolve the matterXXXX.Now the Bank is sending me letter mentioning that My Account was closed on my Request which is a Total LIE.

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 monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: CA

Complaint narrative:
NRA has not sent me any document proving their reported account on XXXX under my name with the right day of first delinquency. It means they have not responded to any of my complaints since I requested ( please see the attached receipt of USPS ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation