vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-13 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: TX

Complaint narrative:
On the XX/XX/XXXX I sent Experian a series of documents relating to identity theft. These documents were sent USPS certified mail with return receipt. The post office showed that this information was received by Experian on Monday XX/XX/2019 at approximately XXXX. 

After trying to fix my information with Experian for months information surfaced supporting the previous disputes made with the credit reporting agencies that I am a victim of identity theft. 

Pursuant to FCRA section 605B, once a consumer notifies the credit report agency that they are a victim of identity theft along with sending the credit report agency 1. A notarized statement 2. FTC identity theft affidavit 3. A police report 4. Utility bill or bank statement containing address information and 5. Drivers licenses with other identification ( my ssn ) the credit reporting agency must block the accounts/trade lines in question from the consumers file NO MORE than 4 days from receiving. 

Today is day 5, I have not received any corespondents from Experian of them blocking this information. This is a violation. 

I sent ALL requested documents and affidavits notarized. The credit reporting agencies DO NOT have jurisdiction to over look nor over ride federal law. 

This complaint serves as notice that if these accounts in question are not block and deleted from my credit report within 15 days per this complaint, I will file a willful non-complaint lawsuit against Experian. 

**see affidavits attached**

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 2019-04-13 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: TX

Complaint narrative:
I've been disputing this debt that is not mine. Everytime dispute is complete. The company sells it off to another debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield inc -tried to dispute inaccurate item XXXX XXXX XXXXXXXX -tried to dispute XXXX XXXX -tried to dispute XXXX XXXX-tried to dispute XXXX XXXX XXXX-tried to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Payment was made by ACH onXX/XX/XXXX. Payment was reflected as received by issuer on XX/XX/XXXX. Increased credit due to payment was not made available for 10 business days. They say they are allowed by the FED to sit on ACH payments for 10 business 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 2019-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group XXXX - Is reporting on my credit for a debt we do not owe. We are on a hardship/financial assistance program with the hospital and ALL my medical debts are included in that. This one is like 7 years old! You guys keep putting new collections on my credit report and the hospital has already told me they pulled them back. 
So I don't know why they keep doing this but I am tired of continuously fighting this with them. You are in clear violation, especially because we contact you every single time you post it on credit .... because, mind you, you never send a notice for me to dispute it, which is also a violation. 
But I contact them and fight with them every time and the hospital retracts the bills. I have this all worked out with the hospital and this needs to be deleted and they need to stop putting these on my credit! 
I am contacting my friend XXXX who is the Assistant Attorney General and I am filing complaints with them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
XXXX 's XXXX is a internet company selling photography lessons. They lure people into a 10-day course with a charge of {$1.00}, only to open a line to your credit card and charge {$49.00} later -- without your permission. They are now in the second process of charging the credit card that was replaced for fraud from their organization. My situation is not alone, because other people have complained of the same fraud. Please help stop these people!!

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 2019-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group XXXX - Is reporting on my credit for a debt we do not owe. We are on a hardship/financial assistance program with the hospital and ALL my medical debts are included in that. You guys keep putting new collections on my credit report and the hospital has already told me they pulled them back. 
So I don't know why they keep doing this but I am tired of continuously fighting this with them. You are in clear violation, especially because we contact you every single time you post it on credit .... because, mind you, you never send a notice for me to dispute it, which is also a violation. 
But I contact them and fight with them every time and the hospital retracts the bills. I have this all worked out with the hospital and this needs to be deleted and they need to stop putting these on my credit! 
I am contacting my friend XXXX who is the Assistant Attorney General and I am filing complaints with them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: KY

Complaint narrative:
I didn't owe that when I closed my account with XXXX. I was told when I closed my account my balance was clear due to complaints about XXXX. I didn't have the service that was in my contract and I closed my insurance because they never helped me with anything. That is why I closed my account and went to another carrier. They kept calling and I kept telling them, they would tell me I would not get another call but, again over and over I would. Then they sent it to collections which I am very upset regarding that. I have been paying my bills to get my credit in good standings and they lied. I want it off my report now.

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 2019-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
All 3 bureaus are reporting inaccurate information ... The medical bills on my credit have all been retracted by the hospital.. the collection companies claim they have removed and that it is the bureaus reporting these still as they are only on 1 or 2 of the bureaus. I keep disputing these and the bureaus are not removing them, yet they won't prove to me how they verified them. XXXX is not valid verification and I was told they are deleted! 
I am so frustrated as I have taken care of all these through the hospitals and they are paid or written off in charity!! 
I need this to be taken care of : Transunion - XXXX XXXX XXXX, XXXX   XXXX  XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX,, Not reported XXXX, 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 2019-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
I XXXX XXXX XXXX have received a notice from Credit Protection Association, LP ( CPA ) alleging that I owe them a debt of {$550.00}. I have no knowledge of this company nor accept or acknowledge having or owing them any debt or money. I would ask that they validate this debt with original documents proving my ownership. I have mailed an official response letter to them within the 30 day response window provided by FDCPA law. I have attached a copy of their notice to me and my response to 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 2019-04-13 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: TX

Complaint narrative:
I recently sent a letter to TransUnion asking them how they verified an account that is on my report, XXXX XXXX Bank to be exact. The letter was recieved by TransUnion on XX/XX/2019. there was not a postmarked response until XX/XX/2019. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency has 30 days to postmark a response and send the information to me and if it can not be verified within the 30 days is should be deleted. That did not happen ; nor did i send additional information during the process to delay their investigation ; nor did they send the requested information to verify how they verified the information. i had asked whom did they speak with, the address and the telephone number that they contacted to verify the information and i have not received any information. 

Additionally, I received a letter from XXXX XXXX Bank dated XX/XX/2019 and received by me on XX/XX/2019 stating that THEY HAVE NO SIGNED CONTRACT. In the second paragraph of the attached files. So AGAIN I ask TransUnion how did you verify/conduct a reasonable investigation the account with XXXX XXXX Bank if you have NO signed documents to substantiate the account?

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 2019-04-13 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: UT

Complaint narrative:
All 3 bureaus are reporting inaccurate information ... The medical bills on my credit have all been retracted by the hospital.. the collection companies claim they have removed and that it is the bureaus reporting these still as they are only on 1 or 2 of the bureaus. I keep disputing these and the bureaus are not removing them, yet they won't prove to me how they verified them. XXXX  is not valid verification and I was told they are deleted! 
I am so frustrated as I have taken care of all these through the hospitals and they are paid or written off in charity!! 
I need this to be taken care of : XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX Equifax - XXXX XXXX XXXX,, Not reported XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
All 3 bureaus are reporting inaccurate information ... The medical bills on my credit have all been retracted by the hospital.. the collection companies claim they have removed and that it is the bureaus reporting these still as they are only on 1 or 2 of the bureaus. I keep disputing these and the bureaus are not removing them, yet they won't prove to me how they verified them. XXXX is not valid verification and I was told they are deleted! 
I am so frustrated as I have taken care of all these through the hospitals and they are paid or written off in charity!! 
I need this to be taken care of : XXXX - XXXX XXXX XXXX, XXXX   XXXX XXXX Experian - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX,, Not reported XXXX, 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 non-monetary relief
Consumer complaint received 2019-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Earnest Inc.
State: TX

Complaint narrative:
Final payment was made on XX/XX/2019 in the amount of {$520.00}, an overpayment of {$0.00} ; The student loan company ( Earnest ) then charged interest on the negative balance to bring it back to {$0.00} over the course of the next two months. 

I've called twice to try to close out the account and have been given the run around saying that it will be closed 60 days after final payment. It has been more than 60 days and the account still shows open online and I have not received a letter or email saying that the account is closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX -tried to dispute inaccurate item Ideal collection service -tried to dispute XXXX XXXXl -tried to dispute credit protection-tried to dispute XXXX XXXX XXXX-tried to dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL

Complaint narrative:
XXXX XXXX XXXX -tried to dispute inaccurate item XXXX XXXX XXXX -tried to dispute XXXX XXXX -tried to dispute XXXX XXXX-tried to dispute XXXX   XXXX XXXX-tried to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
In XXXX, XXXX I had hail damage to my car. The insurance adjuster made the check out to me and GM Financial. I unknowingly endorsed the check and deposited it. The bank put the deposit on hold until XXXX/XXXX/XXXX. Ill be XXXX XXXX XXXX. Since that time, XX/XX/XXXX, I have spoke with personnel at XXXX XXXX XXXX, they need a waiver signed by GM Financial to release the funds, since I am no longer indebted to them. I spoke with customer service, they told me they wouldnt sign anything and to sue the bank. I sent a registered letter with the waiver I needed signed to XXXX XXXX, VP and chief financial officer on XX/XX/XXXX. The letter was received but I have not had a response. The amount was {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 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: NC

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13 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: MN

Complaint narrative:
I need to File a complaint on Experian I have asked them to investigate a XXXX XXXX account XXXX That is Not Familiar with me I had reached out to the creditor they tell me that the account was closed and couldn't provide any info to me I asked Experian to Please investigate this account and they have failed to do so. I'm going to asked you one more time before I file Legal action On experian if they DO NOT SEND ME PHYSICAL PROOF OF THIS DEBT! Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following account be verified or deleted immediately. 
XXXX XXXX XXXX THANK YOU 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 2019-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hi, I kept getting contacted by this company claiming to be a loan servicing agency. They called themselves XXXX XXXX '. I talked to a guy named XXXX and a woman named XXXX. They went into great detail about my loans and how they could help. I ended up believing them and gave them all the information they would need including my social security number and bank routing and account number. 

They already pulled {$120.00} out of my account but I have canceled the request with my bank. What further steps would I need to take to ensure they can't take anymore, scam me, or move forward with identity fraud. 

This happened in XXXX, they claimed to be working with the Dept. of Ed. and their first withdraw from my account happened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I changed my phone number 3 days ago. I OWE DEPT TO NO ONE. This is the 3rd time in 3 days these scammers have called me. Each time they have told me they would take my name off their list. This is the third time I have given them my name. This is the 3rd time they have asked me for my SS Number. This is nothing but a scam operating under " PORTFOLIORECOVERY '' They have contacted me from XXXX and XXXX. 


This is a dangerous situation for people who do not recognize a scam ; please shut them down. Thank you.

Company response to consumer: Closed with non-monetary relief