vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-11 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: IL

Complaint narrative:
Requested my annual credit report from all three major bureaus back in XX/XX/XXXX. However, when I received my report ( # XXXX ) from Equifax dated XX/XX/XXXX it had someone else 's SSN, DOB,  and different variation of my name and wrong middle initial. I called Equifax the same day and was told they did not see a problem. I again tried to submit a complaint and refute the information ; to which they said wasn't their fault and I would have to pay to be corrected. I called them months later on XX/XX/XXXX requesting an update to my complaint ; to which, again told nothing they can do about it even after submitting documents and having my credit report locked previously. The result of Equifax 's acknowledgment of data breach ; allowing me to see a partial credit report but unable to dispute anything. Transferred multiple times and departments without any resolution. I called Experian and XXXX who confirmed none of my information was incorrect but that Equifax had generated new alias in my name as result of their mistake. This is causing an issue verifying who I am with my bank and other institutions and possible employers who may use Equifax to furnish background and consumer credit information. I have attached documents that support my identity that Equifax has refused to acknowledge while the other two credit bureaus handled and accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
Since XX/XX/XXXX of XX/XX/XXXX, I have been trying to get an explanation from XXXX XXXX XXXX as to why my rate was increased. I spoke with XXXX XXXX of XXXX XXXX XXXX of XXXX, TN, who was my insurance agent at the time, because there was no explanation for the sudden raise of the rates of two vehicles. She was unable to explain the use of coding by XXXX except to say that it had something to do with an accident I had in XX/XX/XXXX. I had zero accidents in XX/XX/XXXX but because I have been the victim of Identity Theft in the past, I wanted an explanation of where exactly this alleged accident happened and when. I asked her to have XXXX call me to explain because I could locate no telephone number for them in my paperwork. Knowing that insurance companies routinely check credit reports, I also needed to explain that my exhusband had gotten 8 credit cards in my name and without my knowledge that were addressed by the court. I was still going through the divorce when I first contacted XXXX XXXX of XXXX, TN but she had been told about the credit cards. The divorce was not finalized until XX/XX/XXXX because my attorneys kept forgetting things and had to file amendments. XXXX did not call. I stopped paying the premium and sent them a letter of dispute in XX/XX/XXXX of XX/XX/XXXX. XXXX 's response was to turn the account over to Transworld Systems , Inc., a debt collector, using the amount I disputed. The debt collector forwarded copies of statements issued in XX/XX/XXXX in which I was advised that they were cancelling my policy due to non-payment ( of the disputed amount ), XX/XX/XXXX, and XX/XX/XXXX of XX/XX/XXXX. Those statements did not detail the charges. I do not wish to pay more than I owe since I am on XXXX and both cars sat parked in my driveway from XX/XX/XXXX due to my XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX of XX/XX/XXXX I  got rid of both cars and can no longer drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: ID

Complaint narrative:
Nearly 6 years ago I moved to anouther state .Informed XXXX XXXX. turned in equipment, paid last invoice. 4-5 months later a collection agency contacted me via mail and 20 phone call of a {$260.00} debt for early termination of service. I contacted XXXX and after many calls and explanations of reason I could not re open service at new home. they sent me a letter. stating we were good and would be removed from credit report and let collection company be aware. This happened. 
Until yesterday when I received notice from my XXXX monitoring .That a new collection company had reported the debt. 4 yeARS LATER. I contacted thee collection company and explained. first thing they were very rude and would not help me if idid not give them my full SS # and hung up on me 4 times when I said no, and we will have to look me up from name and address. after the 5th phone call I finally got a person to look up that way. Collection company is XXXX XXXX Ref # 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 2018-05-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
Claiming I am in default for {$2300.00}. Which I am not only have a few payment remaining about 9 payments till house is paid off.Threatening foreclosure on house with extra fees on market analysis or appraisal that will be ordered within next few days.

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 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
Louisiana Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I wrote a letter to Equifax disputing a collection account from XXXX XXXX XXXX , XXXX. from client name : XXXX XXXX XXXX XXXX XXXX. My dispute was received by quifax on XX/XX/XXXX.

They advised tha the item was investigated but it was not removed from my account.

On XX/XX/XXXX, I wrote another letter to Equifax that was received by Equifax on XX/XX/XXXX. I requested that they provide thieir method of verification as is required by the Federal Credit Reporting Act. Specifically, I asked : Who did they speak with?

What was the date?

How long was the conversation?

What was their position? What is the name of their employee that spoke directly to the creditor? and What is the position of the employee that spoke directly with the creditor.

They never provided any of the above information. They simply said that the information was verified.

As I work to get this item removed from my credit report, the above information is key to me being able to follow up effectively.

Equifax did not provide the information that I requested.

On XX/XX/XXXX, I sent another follow-up letter advising them that, as they failed to comply with Federal Regulations, they need to remove this item from my credit report. However, this item remains on my credit report.

Any assistance you can provide in the resolution of this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: FL

Complaint narrative:
After sending information to verify myself with my disputes, including their internal file number XXXX, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX   and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know many other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : ACCOUNTS XXXX XXXX  XXXX XXXX never late XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX not mine

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 2018-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I have tried to call multiple times over the past several months and get this debt resolved with the collection company. I didn't receive notice from the company that I owed them money. I would like a copy of the original contract with the original billing company. I have disputed the account after multiple failed attempts to contact the company to no resolve. I would like the entire account removed 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 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
PRA has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I looked at my 2 student loans I have Navient. I noticed I was not having much of a dent in my balance each month. It seems that after paying student loans for 15 years on and off I can't get my balance lower than {$30000.00} when my original loan amount was {$7900.00} one loan and {$21000.00} for the second loan. I have a fixed rate of 4.5 percent. I feel like I'm paying a lot more in interest than the 4.5 percent fixed rate. The interest on {$7900.00} should only be {$350.00} and the interest rate on {$21000.00} should be {$970.00}. The student loan provider website says that in the life of the loan my total to pay back will be {$39000.00}. If my loans are 4.5 percent should not the total be no more {$31000.00}. Maybe I do not have an understanding of all the fees with student loans. I don't know. My loan was with XXXX before it was serviced by Navient. I feel like each month when I make a payment most of it is going toward interest and the interest is a lot more than 4.5 percent. I called Navient on XX/XX/XXXX18. I asked the question about interest. The lady I spoke to did not have an answer for me. She put me on hold. After a few minutes I was transferred to a survey for quality assurance. After the survey I was disconnected. I called back and had the same experience again. I felt like no one could answer my question about why my balance is not going down. I have had late payments in the past but have been up to date for over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I made a Bank of America ATM deposit of a XXXX XXXX check in the amount of {$1500.00} on XX/XX/XXXX. XXXX XXXX cleard/paid the check in the full amount on XX/XX/XXXX. Bank of America refuses to release the hold or make any effort to help me expedite or resolve this issue. Furthermore, they will not make funds available until XX/XX/XXXX. I have accured NSF fees because of this poor decision.

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 monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX  attempted to add an additional day of payment onto my credit card ( I disputed that charge with XXXX card ) for a car rental that was returned via a drop box to their parking lot on time to the XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IL XXXX location as pre-paid and contracted purchase. 

I have already contacted XXXX regarding this false charge on my credit card for an additional day of rental that was not valid. They were told and situation was supposed to be resolved but still I received calls and mail from XXXX, XXXX and XXXX a Collection Agency XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX The amount is {$49.00} and was charged onto my already paid contract which was pre-paid from XX/XX/17 - XX/XX/17. 

I returned the car to the location on XX/XX/17 at XXXX as pre-paid to do. Still they charged me another day

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
There is inaccurate unverified information posted on my credit report with XXXX XXXX and XXXX I do not recognize this debt and if it that is mine I request the original signed contract with my signature. I have sent several requests to dispute this information with the three credit bureaus and it has not been removed from my credit report after 3 attempts. The credit bureau has stated this information has been verified but I have no documentation or proof and what means this account was verified. I have not received any documents showing that this information is valid and that it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: LJ Ross Associates
State: MI

Complaint narrative:
I have disputed the error of L.J. Ross three ( 3 ) times, reporting I falsely owe this company {$2300.00} to XXXX XXXX hospital. I have contacted XXXX hospital and because they DO NOT request IDENTIFICATION upon registering consumers, I have been SELECTED to pay unknown medical bills for services I have NEVER used. I am entitled to an accurate credit report and this company is reporting FALSE information under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am a consumer with BofA ( Bank of America ) and I was trying to get a refund on my account for {$35.00} and they refuse me to dispute it.

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 monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
My wallet was stolen from the XXXX at XXXX XXXX XXXX, in XXXX Ga XXXX On XX/XX/XXXX. I filed a police report on XX/XX/XXXX With the XXXX XXXX Police Department. On this same day I went back to the gas station to view video footage with an Officer which clearly shows someone Stealing My wallet. I filed a claim with western union for a tracer, then I was told that it would take 90-120 days to investigate the stolen money order. I called western union on many occasions during this time frame only to be told they were still investigating it, they didn't have any updates and could not contact the department that handled the investigations. So pretty much it was a waiting process. On one instance I was told that the bank who cashed the money order was XXXX XXXX, when I contacted them I was advised that there was nothing they could do and I would have to wait on Western Union. With this being said I continued to wait and continued to follow up with Western Union only to be told I still had to wait, no one would connect me directly with a manager and the one time I did speak to one I had to wait over 30min. My last contact with western union I spoke to an associate and told her I wouldn't provide any of my information until I was connected with a Manager. When the manager finally was on the line she attempted to pull up my money order transaction without me providing her with the money order number and told me that the claim had been denied. When I questioned her about the number she put in, she then asked for the money order number and still told me the claim had been denied. I asked her why I didn't receive any documentation from Western Union about why the claim had been denied and she told me she would send something in the mail of which I never received. This was my last conversation that took place with XXXX XXXX on or around XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: VA

Complaint narrative:
I contacted Equifax Credit Bureau to dispute inquires that I did not authorize on my credit report. I received a response stating the credit was accurate when I did not make these authorization. Further The credit inquire with XXXX was definitely not made as I have a deposit with their company for refusing to have my credit pulled. 

Following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have been harassed by this company XXXX XXXX since XX/XX/XXXX and prior to this date. They have been calling my home number and cell number requesting payments be made. I am receiving statements in the mail requesting payments on a balance of {$1000.00}. They are claiming they had purchased my account that I had with XXXX XXXX. My supposively charge off date with XXXX XXXX was XX/XX/XXXX. XXXX have sent letters offering reduced payment options. This company has sent negative reports to all three credit bureaus ( XXXX, XXXX, and XXXX Credit ) with an open account date of XX/XX/XXXX. I have sent a certified letter to XXXX requesting this information be immediately deleted from my credit file and to provide me with copies of any documents associated with this account, bearing my signature with XXXX showing that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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