vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC
State: DC

Complaint narrative:
Good day. My name is XXXX XXXX. I am receiving a lot of calls from a lady name XXXX XXXX from GC Services. They will not send me any mail but continues to call all day all night. She will not explain what the call is about unless i give her my SSN number. Now she just calls every morning, everyday like she said she would. I was a victim of Idenity Theft and i explained this to her and requested that she send me something in the mail and she has not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I added my sister as an authorized user to my Chase credit card back in XX/XX/XXXX and they are not reporting to her credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: MI

Complaint narrative:
I have submitted a dispute with all three credit bureau 's regarding a fraudulent credit card which was opened in my name from XXXX XXXX XXXX. I was not given any proof of my authorization for opening the account from the creditor when asked. The creditor can not provide proof I authorized the account yet will not remove it from my credit 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 explanation
Consumer complaint received 2018-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion had a glitch where inquiries were removed from my credit file and put back on my credit report without giving me written notice. I have called several times and no on will help me. 

The following inquiries need to be removed : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Some of these inquires i have not even 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 2018-05-10 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a Wells Fargo account of any kind. Wells Fargo is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent.Wells Fargo does not have my consent to report any of my private information with any person or any company. Wells Fargo may only communicate with me in writing.

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 2018-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have submitted a dispute with all three credit bureau 's regarding a fraudulent credit card which was opened in my name from XXXX XXXX XXXX. I was not given any proof of my authorization for opening the account from the creditor when asked. The creditor can not provide proof I authorized the account yet will not remove it from my credit 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 explanation
Consumer complaint received 2018-05-10 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: MI

Complaint narrative:
I have submitted a dispute with all three credit bureau 's regarding a fraudulent credit card which was opened in my name from XXXX XXXX XXXX. I was not given any proof of my authorization for opening the account from the creditor when asked. The creditor can not provide proof I authorized the account yet will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian again has not provided detailed information on whom they contacted to verify information, how they contacted them to verify information, where they got the information to verify. Experian has ignored the opt out documents from XXXX XXXX where not public record s on me can be verified by side I'm opted out. Not have they acknowledged that they did not get any info on me from county trustee , county court clerk, or register of deeds. THE FACTS OF ACKNOWLEDGEMENT ARE TOTSLLY BEING IGNORED. I ASKING FOR CFPB TO DO DETAILED INVESTIGATION THEMSELVES AS EXPERION CONTINUES TO IGNOR THE FACTS OF DISCOVERY AND THE BURDEN OF DISCOVERY THAT REST WITH THEM

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 2018-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Berndt & Associates, P.C.
State: MI

Complaint narrative:
A law firm by the name of BERNDT & ASSOCIATES P.C. Is trying to collect money for there client  XXXX XXXX. They proceeded by filing a lawsuit against me and we are now in the process of going to trial. My initial concerns was that this law firm has only supplied me with computer generated copies of statements that may or may not be accurate. This law firm represents XXXX XXXX, which is trying to collect money that is not owed to them. During and before the court proceeding this law firm stated they weren't debt collectors but the information sent to me stated this information was from a debt collector. The attorney sent to represent during the proceedings seems to think my wife and did not understand she was representing XXXX XXXX, witch in fact we were fully aware ... XXXX She also stated, after I asked three times, how much did XXXX XXXX pay for this debt, that I did not need to know that. It's my right as a consumer to know all information that I've requested, but this law firm and there client only gave computer generated information they wanted me to have, not all that was initially requested. The other scary thing about this case is that the law firm got our information mixed up with another client and gave me her full name and account number. The sad thing is they can't even handle what they are suppose to. It really concerns me even more because what if they have given my information to someone else as well. This law firm goes and tries to collect, get judgments against consumers and ruin their credit!!!! Unfortunately for them I will fight this to the end, even if I have to counter sue them or take this matter to a higher court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
I had a old disputed Loan account showing up on my credit report. This Account was allready removed more than a year ago from XXXX due to a the 7 year period from last delinquency. Ocwen Loan servicing decided to do a Internal credit on the account making it appear that it was under the 7 years and sporadic payments had since been recieved. This caused it to be re reported even though its considered re-aged debt and past the Statue. I have tried for Months working with both Ocwen and XXXX. XXXX  states they can not accept my Support because Ocwens reporting is overding. Ocwen has provided letters attached that they say should be submitted to XXXX. XXXX says Ocwen still reports against what the Support state. I am frankly tired of this each pointing fingers. This account is over 7 Year from the last recieved payment and should not be re-reported simply because they decide to make Internal advancements or adjustments to the account..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I added my cousin as an authorized user to my Wells Fargo credit card back in XX/XX/XXXX and wells Fargo is not reporting to his credit 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 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
i try disputing the issue with dentists and refuse to talk with me because services wasnt completely, XXXX Equifax XXXX Account Name : XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX Account Type : Collection Department / Agency / Attorney Collection Account Account Status : Closed Open Monthly Payment : Date Opened : XX/XX/2013 XX/XX/2013 Balance : {$1700.00} {$1700.00} Terms : 1 Month High Balance : Limit : Past Due : {$1700.00} Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Comments : Account in dispute-reported by subscriber

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2018 at XXXX i called Experian to have a personal statement removed from my credit report, i was told that i could not get this removed by calling in, so i asked to speak with a supervisor the employee state " he will tell you the samething " I was left on hold for approximately 20 mins no supervisor ever came on and the employee never returned.

I called back for the second time and was told by a female employee that i don't have a personal statement it's callex a fraud alert, i told her it says personal statement on my report.

She also told me it can't be removed over the phone even though this was an option.

I told her i wanted to speak to a supervisor and she rudely tried to cut me off by saying " he is going to tell you the same thing sir " I told her i would like to speak with him, i was left on hold once again for 20+ mins, no one ever returned to the call.

My attempted to get this resolved started at XXXX this morning of XX/XX/2018.

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 2018-05-10 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: CA

Complaint narrative:
XXXX Credit Card incorrectly put a 30 day late payment on my credit report. After discussing this with that creditor, they agreed to fix it. They told me they put in an update to all credit bureaus. Both XXXX and XXXX has already fixed it.

However, Experian came back and said it was verified. So, I had the creditor mail me a letter for physical reference. I submitted this 3 times to Experian and they refuse to correct my report. They come back as " verified '' even though it's not.

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 2018-05-10 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a XXXX XXXX account of any kind. XXXX XXXX is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent.XXXX XXXX does not have my consent to report any of my private information with any person or any company. XXXX XXXX may only communicate with me in writing.

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 2018-05-10 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a Citizens Bank account of any kind. Citizens Bank is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent. Citizens Bank does not have my consent to report any of my private information with any person or any company. Citizens Bank may only communicate with me in writing..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
The creditor XXXX XXXX XXXX has placed a collection in my XXXX   on XX/XX/XXXX using a company called Law Offices Of Mitchell and it seems they have received this request to collect from me on XX/XX/XXXX. I have never heard from this collector and I don't agree with this charge, since my ex-husband has told me this bill was paid with many other bills when I had an XXXX treatment about 3 years ago. I have been separated since XX/XX/XXXX and I left the house since them. I have been divorced since XX/XX/XXXX and during the divorce my ex has told all the bills I had to pay including having to fill and pay my taxes from XX/XX/XXXX and XX/XX/XXXX, and he has never mentioned this bill. He also never gave me any letters from any of those companies mentioned above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MA

Complaint narrative:
Crown Asset Management , LLC and XXXX. XXXX XXXX XXXX. for amount of {$2300.00}. I had sent Crown Asset Management , LLC a debt validation on or about XX/XX/2017 who Crown Asset Management assigned or sold the debt to XXXX  XXXX XXXX XXXX, XXXX to collect the debt. The debt validation was sent to XXXX  XXXX XXXX XXXX XXXX , XXXX and they did not respond to my demand. Now Crown Asset Management , LLC assigned or sold the debt to XXXX. XXXX XXXX XXXX. and XXXX. XXXX XXXX XXXX. is now suing me. I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
I received a notification today that a collection was added to my credit report in the amount of {$240.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a XXXX XXXX account of any kind. XXXX XXXX is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent. XXXX XXXX does not have my consent to report any of my private information with any person or any company. XXXX XXXX may only communicate with me in writing..

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 2018-05-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
This " XXXX XXXX XXXX '' payday loan originated in XX/XX/XXXX. The supposed current balance is {$1400.00}. The statute of limitations in Michigan is 6 years. In addition, the interest is far beyond what Michigan allows for pay day loans. For over 5 years, I never received any correspondence for this account, nor any calls. This items popped up on my credit report out of the blue over 5 years later in XX/XX/XXXX. I don't feel this is right and given the timing and criminal interest, feel this item should be removed from all 3 of my credit reports. XXXX just denied my request to do so. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: Risecredit, LLC
State: CA

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : RISE XX/XX/2016 XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Greetings, I have initiated a multiple disputes with Trans Union over  the past couple months to remove unauthorized personal information, addresses and employer info that they have failed to fully validated belongs to me. It has been well over the 30 days given for Trans Union to respond with validated proof to delete these unknown personal information per the Fair Credit Reporting Act. I have provided all requested documents to Trans Union including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. Below are the reporting unauthorized/unknown personal information, addresses and employer info that should be Removed / Deleted from my Trans Union credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Employers : 1. ) XXXX 2. ) XXXX XXXX Reporting Address : XXXX XXXX XXXX XXXX, NY 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