vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX I received an alert of a new collection on my credit file-XXXX XXXX XXXX in the amount of {$750.00} owner to a company XXXX XXXX  XXXX XXXX XXXX. I have disputed this last year and the company name then was XXXX XXXX-it was removed the account from my credit files. Here we are again. I contacted the company on XXXX with no resolution. 
I have not applied for a loan from either of the similarly named companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/2019 I began receiving numerous calls multiple times per day. On XX/XX/2019, I returned a call and was taunted by a representative by the name of XXXX who threatened " we will call you everyday 8 times a day until your debt is settled ''. On XX/XX/2019, I mailed out cease and desist letters to both the Federal and Private loans departments of Navient requesting for Navient to " cease and desist communication with me, as well as my family and friends in relation to this and all other alleged debts ''. However they have continued to violate my rights under the federal debt collection laws by contacting my family and friends despite supervisor XXXX XXXX confirming receipt of cease and desist correspondences on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
Debt collector reported to credit bureau in XXXX. I successfully disputed debt. Then month later reported it to a different credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 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: CITIBANK, N.A.
State: OR

Complaint narrative:
To whom it may concern : My name is XXXX XXXX social security # XXXX. I've worked hard to build my credit over the years and have not had a major late payment on any of my credit cards for years until just recently i noticed something that is affecting me. My credit card payment to Sears credit card was set up with automated payment. I had a family emergency right before this late payment happened which is now causing negative consequences in our ability to get approved for a home due to this 1 late payment on my credit report. The family emergency required that I leave my family for a month to help with another family member in a different state. I was unaware that my automated credit card payment had not gone through and had made my credit card bill 30 days over due causing my credit score to plummet from what I had worked so hard to get it up to over the years. I was unable to get notifications of the payments not going through due to me no longer having access to the email address on file with XXXX XXXX that they normally sent me messages to. My only access to that email address where I would normally get notifications was through a laptop that was damaged So I was unaware this had taken place when I was away from my husband and kids. Long story short, during this time I was away from home, the bank that my automatic payments were coming out of had a problem with there system and my automated monthly payment to Sears card did not go through ( they said it was a " glitch '' in the system ) causing the 30 day late hit to my credit report which killed my credit score now severely hurting my families chances of getting approved for a home loan we have worked so hard to be able to apply for. I apologize for this error on my part even if unintentional on my part. This is my only 30 day late payment on any of my credit card account. I will make sure that this never happens again. I am humbly asking if you could please see if Sears credit  card could remove that 30+ day late payment from my account so that my credit score can go back up to where it was before this horrible mistake on my part. This is a request for a goodwill adjust to my payment history to take away that late payment from my account. You will never know how much that would mean to me if you could help with this request. XXXX XXXX XXXX ps this is for the missed payment on XX/XX/2018 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 explanation
Consumer complaint received 2019-09-06 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 — Was not notified of investigation status or results
Company: DISCOVER BANK
State: GA

Complaint narrative:
I've disputed this Discover account several times. This account was not investigated by XXXX, XXXX or XXXX. The information I received from these credit reporting agencies specifically says it was. The information that I will attach will prove that it was not investigated. This is not only time that this has happened with these credit reporting agencies. I will also send this complaint and information to the attorney General. It seem that this is done purposely by these agencies or the agencies are not being investigate as they have stated. This Discover account has XXXX Balance and still not sowing on my report. Which I've requested and received this information from Discover. I never received any proof and information that was requested that it was in fact ever investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've disputed this XXXX account several times. This account was not investigated by XXXX, XXXX or Experian. The information I received from these credit reporting agencies specifically says it was. The information that I will attach will prove that it was not investigated. This is not only time that this has happened with these credit reporting agencies. I will also send this complaint and information to the attorney General. It seem that this is done purposely by these agencies or the agencies are not being investigate as they have stated. This XXXX account has XXXX Balance and still not sowing on my report. Which I've requested and received this information from XXXX. I never received any proof and information that was requested that it was in fact ever investigated.

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 2019-09-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This account from XXXX XXXX XXXX XXXX XXXX XXXX that's showing a charge off on my Equifax credit report does not belong to me please remove from my report. I would also like to state a complaint from my previous experience with Equifax that they do not properly investigate complaints and allow companies to report inaccurate information without providing the proper information to report items on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have tried to refi but I have too many late payments my situation is temporary I would like to put the debt behind the loan lower the interest or get a repayment plan I have been denied a modification because I have private investors backing my loan. 
I have filed an appeal but the paperwork indicates if there was an error they will review it but nothing about actually helping me with a new appeal for my situation. 
I have been trying to reach someone in collections to process a payment plan I am being rerouted to the same person until the appeal period is over. 
Now there is a hurricane in the south where the call center is located and Im not able to reach anybody. I feel like time is running out and nobody is helping me. there are no solutions if someone would like to stay in their home. they just want to do a short sale time is running out I will pay and I was told by a representative that i must be at least more than 2 months late in order to get a repayment plan. I need someone to help me in this matter.

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 2019-09-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
No one ever showed me a bill or contract info regarding this collection. 
No idea where it comes from. except that it it was in 2013. I have NOTHING. and my credit is perfect if not for that.. 


AWA COLLECTIONS XXXX XXXX R XXXX XXXX XX/XX/2013 {$520.00} {$520.00} XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
This collection appeared on my credit report and it does not belong to me. I have not received any bill or notification.verification of this debt therefore I need it removed from my report. 

COLLECTION SERVICE OF ATHENS Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/2019 Original Amount Owed {$49.00} Amount COLLECTION SERVICE OF ATHENS XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-09-06 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: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
In 2016 I filled litigation with my bankruptcy against the student loan companies I owed money too. XXXX, XXXX, XXXX XXXX, ie, XXXX, ie younomics, is all the same company I borrowed loans from. When I could not repay, I filed and made an arrangement with XXXX  lawyers and my lawyer. XXXX decided to discharge the debts owed to them. XXXX is still trying to Collect said debts and is still Reporting to the credit agencies when this was resolved in 2016. This needs to stop. I have disputed these debts. I also have tried to talk with the companies. Twice, I also have mailed copy of the court documents stating that XXXX agrees to discharge my debts to all 3 credit companies. XXXX, XXXX XXXX, and younomics needs to stop reaffirming a debt they agreed to discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jim Bottin Enterprises, Inc
State: OR

Complaint narrative:
My debit card was lost in XXXX of 2019. When the replacement card came in, the automatic payment od gym membership fees has not switched over. My dues have not been taken out since XXXX of 2019. Since XX/XX/XXXX2019 there were no communication to me from either XXXX XXXX ( XXXX ) or ABC Financial Services ( tel XXXX ) to notify me of the issue. I have regularly attended the gym and scanned my ID but no indication or notification was given and no letters or other communications were sent to me attempting to remedy the situation until I was notified on XX/XX/19 that I can not access the gym and that my account was referred to collections. XXXX XXXX club manager said that allegedly one email was set to the email on file on XX/XX/19. I do not have any emails from them regarding the status of my account. I disagree with the way XXXX XXXX managed this matter. They did not clearly disclosed how they manage late payments. They failed to notify me properly about my account status. They referred me to collections without giving me the opportunity to remedy the situation. Now I have a collection record on my credit history and I feel it should have been taken care of in a more transparent way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mid-Atlantic Finance Co., Inc.
State: NV

Complaint narrative:
A ex girlfriend and I went into a dealership and put a down payment on a vehicle and both cosigned with the acknowledgement of there was no credit check nor inquiry. 4 months later the put a account on both of our credit reports without consent and state that's just how they operate now and there's nothing we can do about it. I never authorized a credit inquiry nor gave them permission to place and account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: Experian Information Solutions Inc.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX   XXXX , MD XXXX ( XXXX ) XXXX Made by : XXXX XXXX XXXX XXXX  XXXX , MD XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature.

I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX  ) Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611. 

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 2019-09-06 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: Sterling Infosystems Inc.
State: MD

Complaint narrative:
My consumer report received on XX/XX/2019 from XXXX XXXX/Sterling/XXXX contained an alias " XXXX XXXX '' that is not associated with me in any way. I would like this association removed from the database. Thank you.

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 2019-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
This collection agency has continued to place this collection on my credit report after I have disputed it more than once. It has not been verified so I would like it removed from my credit report. 

Carter-Young , Inc . 

Account Details Original Creditor : XXXX XXXX XXXX XXXX   Account # : XXXX Balance : {$190.00} Open Date : XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
TRIDENT ASSET MANAGEMENT - THEY PUT NEGATIVE CREDIT REPORT OF {$210.00} UNDER MY CREDIT. WHICH THEY ARE STATING ITS MINE WHEN AT THE TIME OF ACCOUNT OPEN I WAS ONLY XXXX  YEARS OLD. I ALREADY TRIED DISPUTING THIS PROBLEM AND ITS STILL REPORTING AS NEGATIVE ON MY CREDIT HISTORY.

THEY HAVE THE WRONG IDENTITY. ITS NOT MY DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a demand letter from XXXX XXXX XXXX XXXX XXXX regarding old credit card debt with Wells Fargo in the amount of {$6000.00}, which indicated that I had been repeatedly advised about this debt and had failed to respond and comply. This is not true, as this is the first contact I'd had with XXXX & XXXX. In addition, the letter stated that I would be sued if I didn't remit payment and/or contact their office by XX/XX/19. Today, on XX/XX/19, I called XXXX & XXXX and spoke with the senior paralegal, XXXX XXXX, ID # XXXX, about the referenced account. I explained to him that the debt was too old to pursue ( over 7 years ) and that Wells Fargo had told me that they couldn't even pull up the old account. It doesn't even show on any of my credit reports, which were checked one day ago. He immediately became aggressively loud and verbally hostile with me. He continued to interrupt and talk over me, and when I calmly called him out on it, he became even more obnoxious! I simply told him not to contact me again, or I would sue them. I then hung up the phone.

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 2019-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have disputed these two accounts with this company and they have not verified these debts, therefore I want them removed from my credit reports. 

LVNV Funding, LLC Original Creditor : XXXX XXXX Account # : XXXX Balance : {$3700.00} LVNV Funding, LLC Account Details Original Creditor : XXXX XXXX XXXX, XXXX. 
Account # : XXXX Balance : {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. XXXX XXXX XXXX XXXX   XXXX , MD XXXX ( XXXX ) XXXX Made by : XXXX XXXX  XXXX XXXX XXXX , MD XXXX ( XXXX ) XXXX XXXX. XXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature. 
I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX ) Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611. 

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 explanation
Consumer complaint received 2019-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In 2016 I filled litigation with my bankruptcy against the student loan companies I owed money too. XXXX, XXXX, XXXX XXXX, ie, natvient, ie XXXX, is all the same company I borrowed loans from. When I could not repay, I filed and made an arrangement with navients lawyers and my lawyer. XXXX decided to discharge the debts owed to them. XXXX is still trying to Collect said debts and is still Reporting to the credit agencies when this was resolved in 2016. This needs to stop. I have disputed these debts. I also have tried to talk with the companies. Twice, I also have mailed copy of the court documents stating that navient agrees to discharge my debts to all 3 credit companies. XXXX, XXXX XXXX, and XXXX needs to stop reaffirming a debt they agreed to discharge.

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