vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The following fraudulent accounts currently listed on my Equifax credit report keeps reappearing on my credit report : XXXX XXXX  XXXX XXXX, {$5900.00}, XXXX XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, {$4800.00}, XXXX XXXX XXXX, $ {$19000.00}, XXXX XXXX/XXXX, {$1700.00}, XXXX XXXX XXXX, {$22000.00}, XXXX XXXX XXXX XXXX, {$8300.00}, XXXX XXXX XXXX XXXX, {$950.00}, XXXX XXXX XXXX XXXX, {$29000.00} and the XXXX XXXX XXXX, {$370.00}, Equifax has deleted the fraudulent accounts numerous times, but the fraudulent accounts keep reappearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
To Whom it May Concern : After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you this in 2019 account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to Medicare and Medicaid. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: AZ

Complaint narrative:
Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX XXXX  ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX  nor XXXX IN regards to XXXX XXXX, above, this item was PAID, CLOSED  and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN XX/XX/2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

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 2019-06-17 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have already filed a complaint about this company and they can not obey US collection laws. They have not validated anything and keep sending me the same letter asking me for my name, address, account number. 
As you see again I received another letter asking for the same information. They can provide any kind of validation and are reporting as a collection in my credit reports. 
They have gone past 30 days to VALIDATE and can not follow the collection laws!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: NY

Complaint narrative:
an credit card account is being reported on my credit report i am requesting cease and desist all communication and debt collection

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 2019-06-17 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: MO

Complaint narrative:
I just received notification that my credit score has decreased by 31 points!! XXXX XXXX has reported an over the limit balance on my credit report for an account I did not sign for. I do not have a contractual obligation with XXXX XXXX. I should be listed as an authorized user and that is it! I did not complete an application for credit. This is my father 's XXXX XXXX XXXX account. This is adversely affecting me! I am prepared to take legal action if necessary!

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 2019-06-17 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: SC

Complaint narrative:
Transunion and XXXX  reporting that I owe XXXX for a car I paid nearly 3 years for. They offered to trade this car for a new one. I did not and told them to pick this one up because I was not going to pay a high car note. The car had low mileage, only XXXX miles.

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 2019-06-17 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: AZ

Complaint narrative:
Have written to XXXX, Equifax and XXXX  3 times in regards to XXXX   XXXX XXXX ( as well as several other issues on my credit report ). XXXX   took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: AZ

Complaint narrative:
Have written to XXXX, XXXX and Experian 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX   took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX XXXX above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN XXXX AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

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 2019-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: WA

Complaint narrative:
I did NOT opt in to overdraft protection yet US Bank claims I did. They made payments and charged me {$36.00} every time. That is not the really bad part. They then went on to take the money back from the merchants and charge ANOTHER {$36.00} fee each time. Thats an overdraft fee for paying a merchant, and then another equal fee for taking the money back from said merchant!! Its up to thousands of dollars in overdraft fees now! How can they pay something and charge a fee for it, only to reimburse themselves with my money, and then charge me ANOTHER fee for reimbursing themselves??? Customer service was rude and unhelpful.

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 2019-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc.
State: AZ

Complaint narrative:
I received a debt collection notice from AMCOL in XXXX of 2019. I sent a letter to AMCOL requesting them to validate that I have a valid debt with AMCOL. AMCOL sent me a detailed listing of my healthcare procedures that had taken place with XXXX  XXXX XXXX dated XX/XX/2019. I never signed any medical release granting AMCOL access to my healthcare information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MS

Complaint narrative:
I have no knowledge of this account, and am unsure of the debt. I have not received a notification to initiate a dispute for this information, 809 ( a ) of the Fair Debt Collection Practices Act. Under 809 ( a ) ( 3 ) of the act, I know that the 30 days starts upon receipt of notification to dispute. However, I have not even received the information, regardless of when it was mailed out, and it is affecting my credit report. I want this information to dispute the debt, and receive validation of this supposed debt that I have no knowledge of.

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 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent Outsourcing, Inc. has reported collection activity to the credit rating agencies and damaged my credit score. The debt that Convergent Outsourcing is trying to collect is not my debt. It relates to a XXXX bill owed by somebody who either has my same first and last name or who has impersonated me. In any event, I have never lived at the address where the XXXX XXXX in question was obtained in XXXX. That address is in XXXX XXXX, Georgia. I have never lived in XXXX XXXX, Georgia. Moreover, I have lived in XXXX XXXX, California, for the past 5 years. 

I have repeatedly written to Convergent Outsourcing and demanded that they fix this issue by removing the derogatory information from my credit reports. On both XX/XX/XXXX, and XX/XX/XXXX, I wrote Convergent Outsourcing detailed letters and provided supporting documentation. Convergent Outsourcing has not responded to my XX/XX/XXXX letter and continues to report the derogatory information to the credit rating agencies ( the most recent reporting date was XX/XX/XXXX ). This is outrageous.

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 2019-06-17 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: SC

Complaint narrative:
XXXX and Experian reporting that I owe XXXX for a car I paid nearly 3 years for. They offered to trade this car for a new one. I did not and told them to pick this one up because I was not going to pay a high car note. The car had low mileage, only XXXX miles.

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 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
FCO has reported a collection on my credit report this year. I had no idea that I had a collection because I pay all my bills on time. I reached out to FCO who collected all my personal info, confirmed my address with them then stated their harassing calls to my home and work demanding a payment. I never received any collection letters I didn't know I could dispute the amount ... I finally gave up and agreed to pay the amount in lieu of deletion. FCO agreed to settle but did NOT issue any settlement letters or deletion letters. FCO told me they would only issue a deletion letter if I paid immediately over the phone, which I did. Now they are refusing to issue any letters or to delete this account in its entirety from my credit report. I paid but didn't get what we agreed on. Still no letters from them, please help ...

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 2019-06-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Experian Dispute Results, dated XXXX, demonstrate four Credit Items that need to be remonstrated with in order to raise my FICO Score from XXXX ( the current score ) to a XXXX ( ideal ). These Credit Items are : 1 ) XXXX XXXX XXXXXXXX : Partial Acct. # XXXX : On XX/XX/XXXX I requested a scheduled adjustment ( # XXXX ) to have this item REMOVED since the said lender has not been my morgator since XX/XX/XXXX ; 2 ) XXXX XXXX XXXX : Partial Acct. XXXX : I plan on paying this in full ASAP ( {$170.00} ) ; 3 ) XXXX : Account # XXXX ; I have asked the Department of Education to be absolved from this obligation as most of it originated from the University XXXX XXXX ; 4 ) XXXX - XXXX XXXX # XXXX ; I would like this record expunged from my account as the REPOSSESSION took place back in XX/XX/XXXX - five years ago ; 5 ) XXXX XXXX XXXX ( # XXXX ) ; This account has been current XX/XX/XXXX and I would like the positive score to help raise my FICO 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 non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
For close to three years, I have paid my mortgage payment on time using the online bill pay system. In XX/XX/2019, I logged in to pay my bill as I always do and submitted my payment. However, in XX/XX/2019, when I logged in to submit my XXXX payment, I saw a notification alerting me that I was over 30 days past due on my XXXX payment. I immediately paid both, but the XXXX payment had slipped past the 30 day mark by a hair. 

Fifth Third bank has never provided me email notifications when a payment is late, when a payment is submitted or when a payment is received. Furthermore, I didnt receive any other communication alerting me that I was past due ( no phone call, no letter ). These are basic services a large bank such as Fifth Third should provide, and yet they don't. 

This late payment was reported to all three credit bureaus and has lowered by credit score significantly. I submitted a dispute directly to Fifth Third, pointing out that their online bill payment system didn't process my payment, nor did I receive any communication and asked them to remove the late payment from my credit reports. 

I received a form letter today, denying my request. At no point during the dispute period did I receive a phone call, an email or any communication acknowledging they received the dispute, or any communication on the status of it. Nor did they make any attempt to gather any additional information. I had to go into a branch and beg for a local manager to help. He tried but was also left in the dark.

The onus should be on the bank to show some form of evidence that their banking system ( and subsequent communications to me ) DID NOT fail. As an XXXX professional with over 15 years experience in e-commerce systems, I am keenly aware that websites do not perform at 100 % at all times. Packets drop, requests get backed up in message queues or get lost, and transactions fail. Show me proof that I never logged into my account in XXXX. Show me proof that you sent an email that bounced back, or a letter that was returned to sender. Instead, they have responded with a form letter stating my " account is being reported accurately. '' This is beyond poor customer service. This is a failure of the core communication and notification services they should be providing ( and claim to provide ) to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: SC

Complaint narrative:
{$810.00} in old medical debt. I dispute the services. The services were never authorized.

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 2019-06-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My purse was stolen on XX/XX/2019, with my bank cards and ID. I phoned Experian during business hours, but that was useless. I was unable to contact Experian because their phone number went to a recording that told me to go to their website, and their website would not let me report the problem unless I bought a paid membership from Experian. I could not access any other way to contact Experian with my free account ( that free account was given to me because of some kind of widespread problem in the past -- that problem was not specifically mine ). I did successfully file a fraud report with XXXX. I also froze my credit report at both XXXX and XXXX. Experian has received and noted the fraud report on my free account, but they demand that I pay for an upgrade in order to freeze my credit report at Experian. I can't even ask Experian for a free copy of my credit report, to which I am entitled because they have received and noted my fraud report. I will have to write them a letter, but they still won't freeze my credit report unless I pay them. I will send them a letter by U.S. mail, but the delay could harm my credit while my credit report is not frozen. In addition, I will not be able to unfreeze my credit report without paying Experian.

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 2019-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Financial Systems, Inc.
State: MS

Complaint narrative:
I am unsure of the debt and its amount. I have not received a notification to initiate a dispute for this information to receive verification required by 809 ( a ) of the Fair Debt Collection Practices Act.

Under 809 ( a ) ( 3 ) of the act, the company must notify me that " unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ''. I have not received the notice, and I need it for my 30 days. Regardless of when it was mailed out, it is affecting my credit report and I want the written notification required under the FDCPA to dispute the debt and request validation of this debt that.

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 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: ID

Complaint narrative:
Mortgage Originator Never Transferred LOAN SERVICE RIGHTS AGREEMENT, MORTGAGE AGREEMENT, BENEFICIAL RIGHTS TO HOME AND PROPERTY, TITLE, DEED OF TRUST OR PROOF OF OWNERSHIP TO XXXX! On XXXX XXXX CALIBER HOME LOANS PURCHASED THE DEFECTIVE LOAN AND MORTGAGE FROM XXXX! CALIBER HOME LOANS HAS SET UP SEVERAL XXXX XXXX XXXX XXXXXXXX ON THE HOME AND PROPERTY XXXX TRUST IN MY NAME : WITHOUT MY EXPLICIT WRITTEN PERMISSION, MY EXPLICIT WRITTEN CONSENT ANT COMPLETELY AGAINST MY WILL! CALIBER JUDICIALLY FORECLOSED ON ME. IDAHO IS A NON JUDICIAL FORECLOSURE STATE! THIS HIGHLY IRREGULAR SINCE THE HOME AND PROPERTY DOES NOT FIT ANY CRITERIA FOR ANY JUDICIAL FORECLOSURE ACTIONS IN IDAHO! ALSO CALIBER HOME LOANS HAS RESOLD THE DEFECTIVE LOAN AT LEAST 2 MORE TIMES after the eviction in XXXX! CALIBER HOME LOANS LOAN NUMBER XXXX

Company response to consumer: Closed with explanation