vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-10 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: GA

Complaint narrative:
I disputed every negative item on my credit report, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free XXXX National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: GA

Complaint narrative:
I have this notification on my Credit Report as a Negative item ... .That was reported by a Debt collection Agency called CMRE FINANCIAL SERVICES for the amount of {$810.00} I sent them a Debt Validation letter and they never replied with a verifiable signed validation document to proof i owe the debt. Or anything from the original Consumer Contract with my Signature on it I have this Negative report on my XXXX  and XXXX  Credit Report. I have contacted the Credit Bureau by sending them letters to get it removed and they keep replying by saying the debt is accurate without no proof of verifiable signed validation document from the original Consumer Contract with my Signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
They say I owe them and and I don't and I want them to take it off my XXXX XXXX XXXX and them charges I told them that it's not fraud and I want it off my report.

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 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
Have spoken to all 3 CB to have these inquiries removed *Vanderbilt MTG Finance XX/XX/XXXX Primary Residential XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CB s have sent research letters to Vanderbilt on XX/XX/XXXX and Vanderbilt has sent nothing back to validate the inquiry. These inquiries were done without my permission.

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 2018-07-10 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: UT

Complaint narrative:
XXXX XXXX XXXX {$9300.00} The below item is being reported as an outstanding debt on my credit report. the original debtor has requested that the credit agency remove the negative mark from my report as this debt was settled with them about 9 months ago. 
I disputed this item through the website and after 93 days i still have not received an update on the investigation. when i called the credit agency for an update, they stated that a " glitch '' in the system caused my dispute to get sent to the wrong creditor. a week after and 100 days after i submitted my request for an investigation, my report started reflecting : Dispute resolved and i was sent a letter stating that the item was reporting correctly. 
the credit agency took over 100 days to investigate my issue no communication or updates were sent to me regarding my dispute for 93 days XXXX XXXX XXXX {$9300.00}

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 2018-07-10 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: NY

Complaint narrative:
On XX/XX/18, I was informed by a mortgage broker that my Experian credit report was unable to be pulled. 

I called Experian. No customer service representative could explain why this was the case. I spoke to a manager named XXXX. She was extremely unhelpful and admitted that Experian had made a mistake but was unable to fix it promptly. 

She also indicated that Experian was unable to follow up with me to give any status update about when the error might be fixed, because " that is not what they do ''. She was also unable to give me her phone number to check in on this matter. Finally, she told me this was impossible to escalate and that no one at the company existed that could be helpful. When I pressed, the customer support team admitted to not having " any answers ''. 

I am unable to proceed with my mortgage based on this error.

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 2018-07-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Applied for credit card through XXXX XXXX on behalf of XXXX XXXX and XXXX XXXX. I have fraud alert on my Social Security number due to loss/sharing of personal information. The denial came in the mail. I called numerous numbers two of which went to XXXX XXXX XXXX XXXX and the last to this number was answered by XXXX : XXXX repeatedly told me to remove the fraud alert from my social security number - I explained to her that I was not comfortable with that. She kept telling me that. I asked for a supervisor and she disconnected the call after 18 minutes. 

I am absolutely unsure of this process but I do not trust someone telling me to remove a fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: UT

Complaint narrative:
XXXX XXXX XXXX {$9300.00} The below item is being reported as an outstanding debt on my credit report. the original debtor has requested that the credit agency remove the negative mark from my report as this debt was settled with them about 9 months ago. 
I disputed this item through the website and after 93 days i still have not received an update on the investigation. when i called the credit agency for an update, they stated that a " glitch '' in the system caused my dispute to get sent to the wrong creditor. a week after and 100 days after i submitted my request for an investigation, my report started reflecting : Dispute resolved and i was sent a letter stating that the item was reporting correctly. 
the credit agency took over 100 days to investigate my issue no communication or updates were sent to me regarding my dispute for 93 days XXXX XXXX XXXX {$9300.00}

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 2018-07-10 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: UT

Complaint narrative:
XXXX XXXX XXXX {$9300.00} The below item is being reported as an outstanding debt on my credit report. the original debtor has requested that the credit agency remove the negative mark from my report as this debt was settled with them about 9 months ago. 
I disputed this item through the website and after 93 days i still have not received an update on the investigation. when i called the credit agency for an update, they stated that a " glitch '' in the system caused my dispute to get sent to the wrong creditor. a week after and 100 days after i submitted my request for an investigation, my report started reflecting : Dispute resolved and i was sent a letter stating that the item was reporting correctly. 
the credit agency took over 100 days to investigate my issue no communication or updates were sent to me regarding my dispute for 93 days XXXX XXXX XXXX {$9300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: TX

Complaint narrative:
XXXX XXXX credit has been calling me several times a day about a small medical debt I never received a bill for. I believe the debt is legitimate, but as I do not have a copy of the bill, I asked the gentleman to email me one. He refused. I informed the caller that I work on the road and need all paperwork emailed to me. 

I then spent over an hour and called 6 different lines trying to track this debt down and obtain a bill, with no luck. I called the original emergency room first, who failed to contact me about this issue before sending it on. They were unable to provide a bill, and referred me to XXXX XXXX XXXX XXXX XXXX, who also was unable to provide a bill The caller continues to harass and call me at work. I informed him I could schedule a call with him if he could email me to set up a time. He again refused and continues to spam call me. Today I have received 3 calls while on a jobsite.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I want early warning system to stop reporting inactive stuff on my report and it is so in fair to me the way they reporting my info from XXXX XXXXXXXX XXXX and I want them to remove everything from XXXX XXXX XXXXXXXX I don't owe them any thing and my account is not fraud and they need to take that off my early warning system.Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TX

Complaint narrative:
Have spoken to all 3 CB to have these inquiries removed *XXXX XXXX XXXXXXXX XX/XX/XXXX Primary Residential XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CB s have sent research letters to XXXX on XX/XX/XXXX and XXXX has sent nothing back to validate the inquiry. These inquiries were done without my permission.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ECMC GROUP, INC.
State: AL

Complaint narrative:
Ok I received a bill from .. XXXXXXXX XXXX XXXX XXXXXXXX XXXX , XXXXXXXX reference # XXXX Guarantor Educational credit management Corp .... well the problem is I do not know this people I never did business with them I dont owe the not aware of this bill ... first of all I never had a account from XXXX XXXX  XXXX like it  stated..second they called me and when I said I dont no what they are talking about they got XXXX he cursed me . Because I would not acknowledge this bill cause its not mind ... can you help please I dont want them to contact me ever .... XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, In XXXX .... help me please

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 2018-07-10 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: AFNI INC.
State: FL

Complaint narrative:
Afni has put a XXXX collections account on my report that isnt mine and has previously been removed and is.nOw back on

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have attempted to have this debit removed from my account since XXXX, which was originally belonged to XXXX XXXXXXXX XXXX XXXX, FL. I contacted XXXX hospital and had found out that My ex-wife had went to the hospital Emergency room and those were her bills.. My ex-wife and I haven't spoken since XXXX.. The hospital agreed that those debits didn't belong to me and removed what I thought all of the bills of my name. However, few years later I was connoted by Common Wealth Financial Systems requesting me to pay the debit. I sent them my information and informed them that issue XXXX XXXX learned that those bills didn't belong to me. Common Wealth Financial, were very unprofessional and were always threatening toward me. I have attempted to have it removed by the hospital but the stated the debit was sold to Common Wealth. I provided Common Wealth with my information so the can match it with whatever forms they have in their records such as original documents or and signatures by the person who went to the ER. But at no help. I have contacted and spoke to several managers at Common Wealth like XXXX XXXX extension XXXX at XXXX and others no help but very nasty attitude and threatening demeanors. 

I have disputed matter with all Credit Bureaus, and Common Wealth claims it was validated. Very confusing how it can be validated if it wasn't mine nor my name or identification on any documents. I even requested them to provide me the HIPAA signed form to show it was me, Common Wealth Financial failed to do so. 

several calls since XXXX to XX/XX/XXXX email XX/XX/XXXX also recently I emailed this person with Common Wealth XXXX regarding this and nothing was done as this person promised. 

Finally, Common Wealth Financial Refused to remove this debit after so many attempts knowing its not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: HI

Complaint narrative:
On Experion, XXXX XXXX stated that I had Failed to Pay XX/XX/XXXX and XX/XX/XXXX when the account was paid off XX/XX/XXXX. I submitted a dispute with Experion and now the new report shows Failed to Pay for XX/XX/XXXX additionally. The agreement with creditor was that all negative items would come off my report when I paid in XX/XX/XXXX. Now they are adding more bad marks.

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 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ERC
State: TX

Complaint narrative:
Mother XXXX XXXX XXXX XXXX XXXX XXXXr for 2-3 days. She had cancelled her lifeline services to keep her cell phone which she could not get to when she fell. She cancelled the cell phone with XXXX XXXX XXXX so she could reactivate and afford to pay for her lifeline services. 

After more than 60 years with XXXX XXXX XXXX and XXXX XXXXXXXX she was told there would be a {$400.00} cancellation fee. She explained she could not afford to pay this. She still has her XXXX XXXX XXXX land line. 

She has been receiving harassing and threatening phone calls and written correspondence. She was told they would take this money out of her bank account. My mother is XXXX years old. This has been very upsetting to her. It is unbelievable that this blue chip corporation would go after a XXXX year old lady would nearly died because she cancelled her lifeline to keep a cell phone that could not help her lying on the floor for days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I submitted an application to Amerihome on XX/XX/2018 regarding assistance with the foreclosure on my home. I confirmed with the lender on XX/XX/2018 my application was received and they requested a hardship letter which I sent in. When calling Amerihome today, XX/XX/2018, I was told the documents are received however they can not postpone the trustee sale because the attorneys will not postpone it if documents are not received at least 14 days before the sale date. No one ever told me this information when I spoke with Amerihome and they told me to submit the documents which I did. Now, 2 days before my sale date I am told " too bad, too late ''. I called the trustee and they are telling me the sale is active and that the lender is the one who authorizes the postponement, so now I am being told different stories and even more stressed out. 
Amerihome has my application, they should be aware of the HBOR laws and postpone the foreclosure sale while I am in an active loan modification review. I have been been assigned a single point of contact and they have never reached out to me, which are violations of the HBOR set in place for homeowners like myself!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
This complaint is in reference to the Exeter Finance Account Number : XXXX entry which is being reflected on my XXXX and XXXX  credit report. I have contacted Exeter Finance several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or an itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of this listing. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims actions. In the abscence of any such documentation I formally request that this information be immediately deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX went into SunTrust bank about fraud charges on my account so they opened a claim on them then on XX/XX/XXXX informed me they where researching them and waiting to hear from the merchant and no provisional credit would be given as this was a merchant dispute. On XX/XX/XXXX I sent the branch manager who helped a email with reg e details and she replied on XX/XX/XXXX saying it is a merchant dispute so reg e does not apply to the charges and I have to wait till they hear from the merchant. called there claims team and thats all they would say on the issue also is that reg e does not apply to this claim and nothing on the account would be corrected till they hear from the merchant we are now at the XX/XX/XXXX business day since filling the claim and nothing has been corrected.

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 2018-07-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 XXXX XXXX must report accurate information. My credit report is reporting that my XX/XX/XXXX and XX/XX/XXXX payment is 30 behind and as of today is XX/XX/2018 Im. It 30 days late. XXXX XXXX needs a better system to repos accurate delinquency. I reported to XXXX XXXX that I have a medical emergency and I cant afford my payments. I need their assistance to reduce these Payments. I mailed in my XX/XX/XXXX payment to see if the company would get that faster but it still didnt report. I am so grateful for getting a credit card with this company but they arent reporting accurate information.

Company response to consumer: Closed with explanation