vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I need my personal information update correctly. My name is XXXX XXXX XXXX XXXX  please remove any other variation of my name. I have several addresses that are not mine showing on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX please remove delete any other addresses they are not mine! Please delete the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they are not mine. My Current Employer is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Please delete/remove any other employer the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX all of these are incorrect and not accurate. I have a unverified information please delete : USBK COURT XXXX OHIO DOCKET # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Mid-Atlantic Finance Co., Inc.
State: NC

Complaint narrative:
{$4200.00} MID ATLANTIC FINANCE I was told back when i surrender the car to the bank now they say I owe XXXX they me if I surrender I would not owe any money now its changed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control
State: CA

Complaint narrative:
I had an XXXX done XX/XX/2017 at a contracted facility ( XXXX XXXX ) with my medical provider XXXX XXXX XXXX and in order to process/pay this claim XXXX requested additional information which was never provided to them ( which is a requirement per their contract with them ) Also since the claim was over due it should have been put as a provider write off. 


This collection has brought down my credit score from XXXX to XXXX therefore I am unable to refinance my home to get a better rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2019 {$420.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I tried to communicate with the above company but the representative was argumentative when I tried to explain I never received any notice about this or chance to dispute this before it went on my credit report. The representative demanded rudely I must pay or else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accounts Receivable Services
State: TX

Complaint narrative:
XXXX  XXXX XXXX NOTICE FAULT FOR INFORMATION REQUEST XXXX, XXXX your on notice also failure to comply to request for verification documents XXXX, XXXX, XXXX, The CFPB is notified for this as witness to the facts that your refusal to produce the documentation I need, I do not want copies of documentation but actual documents NO HEARSAY, Also the HIPPA VIOLATION needs to be addressed in this dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
I started seeing a new XXXX office XX/XX/XXXX-XX/XX/XXXX. I stopped when they XXXX my XXXX. My bill was paid in full. I went on to get medical treatment and never went back to that XXXX. On XX/XX/2018 they opened a credit report against me that I owe them {$260.00} through the Collection Agency Capital Accounts. I disputed the charge. The collection increases {$1.00} every month since I disbuted it. I wrote the XXXX Insurance Company and XXXX XXXX actually stole money from me and owes me {$1600.00} which they have not paid. I also filed with the XXXX XXXX and its still under investigation. This man, XXXX XXXX is a crook and I dont owe him a single cent. His XXXX  staff is negligent and caused severe damage to my XXXX. I want this removed off my credit reports please.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have submitted 2 requests in writing to have names removed that are not mine. O have sent a copy of my social security card to validate my name. Experian refused to remove the information. They also refuse to remove incorrect addresses.

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 2019-03-12 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The company states that my name, address, and personal info was used to open the account but that still doesn't make it mine. The XXXX account is not mine and i wont it off my report. Just because they say it's mine doesn't make it true. How can they put this on my record? Did they see me do it? What proof do they have? Make them delete this from my record and there little comments ...

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 2019-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On last Wednesday I reached out to Midland Funding LLC, Midland Funding in regards to a collection that they placed on my credit report for a credit card bill they said they were collecting on behalf of XXXX XXXX XXXX. I told them during our phone call that the account was not mine and I requested that they check the information that they had but they said I needed to send them my picture ID and a copy of my social security card so they could research the info with a letter stating my name was XXXX XXXX. I didn't feel comfortable doing this so I reached out to the XXXX XXXX credit card company by email and explained the situation and they responded with a letter indicating that they would be removing the claim from all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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 YOU ARE ON NOTICE OF UP COMING DISPUTE with XXXX You equifax and XXXX are claiming validation when no one can get any documentation { wet ink signatures and the information enclosed } also address the HIPPA violation that XXXX sent to the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: NY

Complaint narrative:
XXXX XXXX it's on my credit and it's not mine. Tried to remove it and did with 2 other credit report company 's but experian will not. Its not fair. I want it removed from my credit. The other is XXXX/ XXXX. The other is XXXX 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 non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
Hello CFPB, My name is XXXX XXXX. I am writing about a company named Persolve LLC. I first heard of this company in XX/XX/XXXX. I found out through work that they were going to garnish my paycheck for a debt I never heard of. The amount totaling in {$6300.00} plus {$0.00} cents per day interest ( A ). I didnt know what to do or where to go. So I called this company asking for proof and that I have had identity thief and dont believe I owe them. They flat out told me I wasnt entitled to that information and it didnt matter because they got their garnishment. Finally he told me it was a metrix card ending in 4 different numbers. They couldnt tell me the card name, what company it was anything. So I pretty much just hung up. They were taking about {$600.00} a month I filled for a exception and when I explained to the XXXX Officer I dont believe this is real he sent me this typed up letter that I supposedly sent back in XX/XX/XXXX. I find this letter to be fake I marked it ( B ) as my first questionable piece. The fonts dont match its not addressed to anyone and I dont believe or remember writing it. As time went on I talked to a lawyer who told me this claim was denied a handful of times until they submitted something in XX/XX/XXXX ( B ) is what I attached for you. I finally figured out that was suppose to find my way to XXXX XXXX for a court day which was not going to happen because they were taking all my money. They kept sending letters to my house and finally when the court day came near they sent it to the wrong address. I feel they did this on purpose I have envelopes ( C ) which I also attached. Needless to say I missed the court date. I dont understand how they can sue me in XXXX XXXX when I live in XXXX and have never lived in XXXX XXXX. My exception came back and the court knocked it from {$600.00} a month to about XXXX. In XX/XX/XXXX I got another letter stating I owe them once again so I called my payroll and asked what was going on they informed me back in XX/XX/XXXX the sent a court order to stop the garnishment ( D ). Which I have also attached for you. Now its XX/XX/XXXX and I got a call from my payroll again because they are taking me back to court now for the amount of {$5800.00} plus {$1.00} interest a day ( E ). I dont understand how this can happen? How can they take my money with no proof? How can they sue me in another city? I am so lost and dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello, In 2016 I had an account with Wells Fargo, I have a confirmed case of Identity Fraud through the IRS and fraudulent activity was conducted through my account. I disputed and put in a claim through Wells Fargo which I won and some but not all funds were reversed back to my account causing my account to be in the negatives and eventually Wells Fargo closing my account because I did not want to be liable for fraudulent activity on my account.

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 2019-03-12 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: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
Wells Fargo Dealer Services is reporting one payment in XXXX XXXX that they " claim '' was ten days late. 

1. They are reporting this to XXXX  and XXXX ( but important FACT!!!!! they are NOT reporting this to XXXX!!!!, this is important because both can't be true. ) this alone should be enough proof that Wells Fargo is " making up information ''. 
2. We were arguing over the now illegal " CPI '' thuggery that Wells Fargo Dealer Services yes threaten us with in XX/XX/XXXX as a result Wells Fargo Dealer Services Representatives threw a fit and hung up several times. They were more interested in regulating my speech and hanging up then resolving the payment issue. They are the reason for the delay. A federal judge has order them to correct the credit records that their illegal CPI program spawned. 

Wells Fargo Dealer Services along with their parent company has been caught in lie after lie and have built a reputation for being white collar criminal olympians in the last several years. 

EVERYTIME we confront Wells Fargo Dealer Services they come up with a new LIE or " story '' The CFPB needs to hold this lawless company accountable. 

Wells Fargo Should Immediately stop reporting incorrect information about a " late '' payment in XXXX of XXXX as we never were late. Wells Fargo Dealer Services should not hang up 100 's of times on their customers if they want prompt and expatiated payment for their " services '' and not lie about information about their customers..

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 2019-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019, JP Chase Morgan closed my accounts without informing me due to the " risk of keeping my accounts open ''. They did not let me withdraw my money at a branch, nor ATM, nor send me any check. As of today XX/XX/2019, they still keep my {$77000.00} and not offer me any way to get my money. I don't have any cash or credit card on hand and need my money for everyday spending. They need to release me my money STAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
XXXX XXXX XXXX keeps calling and leaves no messages. They called on XX/XX/XXXX at XXXX then again at XXXX and XXXX. Then on XX/XX/XXXX they called at XXXX. Today, XX/XX/XXXX theyve called at XXXX, XXXX, and XXXX. I wouldnt be surprised if they called another several times today! This is ridiculous. They keep calling from XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: PA

Complaint narrative:
On XX/XX/XXXX, I sent a request to the credit bureaus, to investigate five errors that currently appear on my credit file. They were supposed to respond within 30 days. However, 30 days have passed, and I have yet to receive my responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I spoke with Midland Credit Management several times and i told them to dnc my number and my family, but they continued to call me more than once a day and they have contacted my wife which is not authorized on the file and they discussed my finance with her without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX has sent a collection to the credit Bureaus. I cancelled my policy on XX/XX/XXXX and started a new policy with XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: PA

Complaint narrative:
On XX/XX/XXXX, I sent a request to the credit bureaus, to investigate five errors that currently appear on my credit file. They were supposed to respond within 30 days. However, 30 days have passed, and I have yet to receive my responses.

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 2019-03-12 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: PA

Complaint narrative:
On XX/XX/XXXX, I sent a request to the credit bureaus, to investigate five errors that currently appear on my credit file. They were supposed to respond within 30 days. However, 30 days have passed, and I have yet to receive my responses.

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 2019-03-12 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: MN

Complaint narrative:
I have smelt plenty of documents to experience and they only will send a credit report I ask to investigate and tell me where they got there information from that I have a bankruptcy on my credit report and they didnt do that its just been the same update on my credit report that did not verify where that got the data its been a real hassle dealing with for over a year and nothing has been done my next step is to flie a lawsuit against experian for the false information that is placed on my report from them please get this removed from my credit report ASAP

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 2019-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC
State: WA

Complaint narrative:
I am in the process of getting a loan to pay off my truck. Prestige keeps threatening that they will repossess the vehicle?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: HI

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting one payment in XXXX XXXX that they " claim '' was ten days late. 

1. They are reporting this to XXXX and Experian ( but important FACT!!!!! they are NOT reporting this to XXXX!!!!, this is important because both can't be true. ) this alone should be enough proof that XXXX XXXX is " making up information ''. 
2. We were arguing over the now illegal " CPI '' thuggery that XXXX XXXX XXXX XXXX yes threaten us with in XX/XX/XXXX as a result XXXX XXXX XXXX XXXX Representatives threw a fit and hung up several times. They were more interested in regulating my speech and hanging up then resolving the payment issue. They are the reason for the delay. A federal judge has order them to correct the credit records that their illegal CPI program spawned. 

XXXX XXXX XXXX XXXX along with their parent company has been caught in lie after lie and have built a reputation for being white collar criminal olympians in the last several years. 

EVERYTIME we confront XXXX XXXX XXXX XXXX they come up with a new LIE or " story '' The CFPB needs to hold this lawless company accountable. 

XXXX XXXX Should Immediately stop reporting incorrect information about a " late '' payment in XXXX of XXXX as we never were late. XXXX XXXX XXXX XXXX should not hang up 100 's of times on their customers if they want prompt and expatiated payment for their " services '' and not lie about information about their customers..

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