vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-27 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: OH

Complaint narrative:
I have a few issues on my credit file my name is XXXX XXXX XXXX, please delete the other variation of my name my name is listed wrong please correct. The following addresses are not mine please remove : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX I have some unverified accounts that I have never done business with these companies : XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX a # XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have  violated federal law.

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 2019-02-27 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: OH

Complaint narrative:
I have a few issues on my credit file my name is XXXX XXXX XXXX, please delete the other variation of my name my name is listed wrong please correct. The following addresses are not mine please remove : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I have some unverified accounts that I have never done business with these companies : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX a # XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent numerous of letters to try to resolve this issue to the three major credit reporting agencies but neither could verify that the inquiries belong on my credit report I have almost 50 credit inquiries that are not associated with an account that I need removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
IN XX/XX/2018 I SWITCHED FROM THE WIRELESS CARRIER XXXX XXXX TO XXXX. XXXX PAID MY REMAINING DUES FOR MY PHONES ANMD LAST BILL. XXXX ISSUED A CARD WITH REMAINING PAYMENT OF {$1300.00} AND I PAID THE REST OUT OF POCKET. XXXX XXXX SAID THE ACCOUNT WAS PAID YET IT NOW SHOWS THAT IT IS IN COLLECTIONS. I HAVE DISPUTED WITH XXXX  AND THEY INFORMED ME THAT THE ACCOUNT WAS INDEED PAID AND THE COLLECTION WILL BE REMOVED.

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 2019-02-27 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: AL

Complaint narrative:
I sent numerous of letters to try to resolve this issue to the three major credit reporting agencies but neither could verify that the inquiries belong on my credit report I have almost 50 credit inquiries that are not associated with an account that I need removed.

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 2019-02-27 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: AL

Complaint narrative:
I sent numerous of letters to try to resolve this issue to the three major credit reporting agencies but neither could verify that the inquiries belong on my credit report I have almost 50 credit inquiries that are not associated with an account that I need removed.

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 2019-02-27 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: AL

Complaint narrative:
On several occasions I submitted numerous of letters to experian, XXXX, and XXXX, stating that there are accounts on my credit report that doesnt belong to me and to verify that these accounts belong to me by sending original documents with my original signature but neither could verify that these accounts belong to me or send me documentation that these accounts were 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 2019-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: MS

Complaint narrative:
Basically, I understand I must pay this but even by the hospital 's standards the room charge was high. I'd lagged so long on resolving this matter, life and personal reasons got in the way, that supposedly the hospital could do nothing to work with me on reducing the amount. That in itself sounds fishy to me, what hospital doesn't want payment. It seems as though they profit from sending it to collections. I called up the CMRE agency this account now pertains to and supposedly wouldn't negotiate with me about a reduction in total due if I were to pay it all off. Again, way to fishy. I'd just negotiated with another agency and got a 80 % reduction if I paid it all off that was {$7000.00}. I guess I'm flying blind on this whole matter but meanwhile keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I receive calls and my family member on a daily basis for years now. The phone numbers use are many and sometimes they leave threating deceptive messages Yesterdays message on XX/XX/19 @ XXXX My name is XXXX XXXX I a.m. reaching out to you today as a courtesy and regards to documentation that was placed with me ______ your name and Social Security number I've been asked to review this matter and I wanted to give you a chance to provide a statement on your behalf prior to my recommendation being made it is imperative that I speak with you to discuss this matter further I can be reached directly at XXXX ___ I'm calling referred to file number XXXX XXXX The debts are over 4 years old and they continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lazega & Johanson LLC
State: NY

Complaint narrative:
{ debt Collector Agency ) Lazega and Johanson locate at XXXX XXXX XXXX, Ga ( XXXX ) XXXX I received a letter from them stated that I owe my HOA in the principal balance of XXXX but they added fees and court fee equal to the amount of XXXX. I requested a payment plan with them. I already payed them XXXX, XXXX. I have missed a couple of payment as a result they send court paper to my tentants in the amount of XXXX as a rent garshment I still wanted to work with them. I then told Ms. XXXX XXXX the person that I also contacted regarding the matter. I told her that its not right that They keeping adding fees that it against the Fair trade Act. She knowledged that but say so, I then asked for a settlement, she wrote me back with the amount of XXXX. She say that the company is only going to accept a settlement on that amount, nothing else. I said where does that amount come from. She said they added post judgement balance of XXXX was added to the amount. She received to answer my calls. I said the balance was 3, XXXX How come Iam paying 2x as much. They told my tentant to go to the court to pay the rent to pay the rent to them as of XXXX XXXX. I called the HOA and told them what was happening. They told the HOA that I have a payment plan with them which is not true. They have not submitted any paperwork to the HOA showing my payment history. They didn't even forward my request to settle 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 2019-02-27 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: AL

Complaint narrative:
On several occasions I submitted numerous of letters to XXXX, XXXX, and transunion, stating that there are accounts on my credit report that doesnt belong to me and to verify that these accounts belong to me by sending original documents with my original signature but neither could verify that these accounts belong to me or send me documentation that these accounts were 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 2019-02-27 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: AL

Complaint narrative:
On several occasions I submitted numerous of letters to XXXX, Equifax, and XXXX, stating that there are accounts on my credit report that doesnt belong to me and to verify that these accounts belong to me by sending original documents with my original signature but neither could verify that these accounts belong to me or send me documentation that these accounts were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THERE IS A NEGATIVE REMARK FROM XX/XX/2013 THAT SHOWS A DEBT WAS PAID AND THEREFORE CLOSED. THERE WAS AN ISSUE WITH THE ACCOUNT THAT XXXX HAD FAILED TO FIX ON TIME AND DID NOT ALLOW PAYMENT. ONCE PAYMENT WAS PROCESSED THE NEGATIVE REMARK WAS SUPPOSED TO BE REMOVED.

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 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
AN ACCOUNT WAS TAKEN OUT IN MY NAME UNDER XXXX XXXX WITHOUT MY CONSENT. I NOTIFIED XXXX XXXX OF THE FRAUD AND THEY CLOSED THE ACCOUNT. XXXX XXXX THEN PLACED A NEGATIVE REMARK ON MY CREDIT AND THE ACCOUNT WAS SENT TO COLLECTIONS. THIS SHOULD HAVE NOT HAPPENED AAS THE ACCOUNT WAS REPORTED AS FRAUD.

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 2019-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Keystone Credit Collections Inc.
State: MS

Complaint narrative:
Basically, I understand I must pay this but even by the hospital 's standards the room charge was high. I'd lagged so long on resolving this matter, life and personal reasons got in the way, that supposedly the hospital could do nothing to work with me on reducing the amount. That in itself sounds fishy to me, what hospital doesn't want payment. It seems as though they profit from sending it to collections. I called up the XXXX agency this account now pertains to and supposedly wouldn't negotiate with me about a reduction in total due if I were to pay it all off. Again, way to fishy. I'd just negotiated with another agency and got a 80 % reduction if I paid it all off that was {$7000.00}. I guess I'm flying blind on this whole matter but meanwhile keep calling.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
AN ACCOUNT WAS TAKEN OUT IN MY NAME UNDER XXXX XXXX WITHOUT MY CONSENT. I NOTIFIED XXXX XXXX OF THE FRAUD AND THEY CLOSED THE ACCOUNT. XXXX XXXX THEN PLACED A NEGATIVE REMARK ON MY CREDIT AND THE ACCOUNT WAS SENT TO COLLECTIONS. THIS SHOULD HAVE NOT HAPPENED AAS THE ACCOUNT WAS REPORTED AS FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
IN ABOUT XX/XX/XXXX-XX/XX/2017 XXXX REPORTED A REPOSSESSION TO MY CREDIT WHEN MY BANK ACCOUNT WAS FROZEN FOR A 2 MONTH PERIOD OF TIME DUE TO IDENTITY THEFT. 
THE ACCOUNT ON XXXX WAS PAID AND THEN WRITTEN OFF BY THE COMPANY. THE ACCOUNT SHOULD NO LONGER SHOW ON MY ACCOUNT AND SHOULD BE REMOVED AS IT WAS TAKEN CARE OF.

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 2019-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
IN ABOUT XXXX OF 2017 XXXX REPORTED A REPOSSESSION TO MY CREDIT WHEN MY BANK ACCOUNT WAS FROZEN FOR A 2 MONTH PERIOD OF TIME DUE TO IDENTITY THEFT. 
THE ACCOUNT ON XXXX WAS PAID AND THEN WRITTEN OFF BY THE COMPANY. THE ACCOUNT SHOULD NO LONGER SHOW ON MY ACCOUNT AND SHOULD BE REMOVED AS IT WAS TAKEN CARE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/2019 I got a Netspend prepaid card I used the card one time was waiting for them to send my new card XX/XX/2019 I got the new card I activated the card they said I only had XXXX but XX/XX/2019 I had put XXXX on the card I have call them at lest 10 time trying to get the problem fixed but for some reason they dont have any of my stuff right my Netspend app I have on my phone is right but they keep saying Im giving them the wrong number but the number I opened this card with is the only number I have then they keep hanging up on me they have sent me the wrong information on my online site and they are not trying to work with me the card numbers arent matching up

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 2019-02-27 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: ERC
State: NY

Complaint narrative:
I'm a victim of fraud/identit theft and checked my credit report a few days ago and saw that there was an account in collections that I never signed for or ever had knowledge of. 

ACCOUNT ( S ) -XXXX  XXXX XXXX -AMOUNT {$300.00} -DATE OPENED 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 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Seattle Service Bureau, Inc
State: FL

Complaint narrative:
Contacted my work asking for me by name and identified himself as a dept collector from XXXX XXXX XXXX XXXX in Collections to my fellow workers. His name is XXXX XXXX at XXXX This is a violation of the law. The call was made on XX/XX/2019

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received Wells Fargo Bank, Home Mortgage 's response and it proves that keeping accounts up-to-date is not something that happens. Again, Wells Fargo Bank, Home mortgage is attempting to falsifying the facts to avoid admitting that the Wells Fargo Bank employee gave out Mortgage account loan information illegally. Wells Fargo Bank is under criminal investigation and this branch location was raided. Wells Fargo Bank was forced to turn over all documents on this matter to law enforcement. The fact is that this bank employee gave out many people 's loan account information as well as mine. Wells Fargo Bank, Home Mortgage still does not have the proper payments. They are wrong about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX just to mention a few. I have the proof. Wells Fargo Bank is again under investigation for the criminal activities of it's employees. More missing payments are the extra payments made each year from XXXX. That is again a lot of missing money. There is no explanation as to why I was wrongfully charged lated fees and interest from XX/XX/XXXX to present. This loan is paid in full, yet Wells Fargo Bank claims that there is over {$6000.00} in late fees and interest on what they claim is {$4000.00}. How does anyone justify over {$6000.00} in late fees and interest over a few months? This is how Wells Fargo Bank steals money from people whose mortgage accounts Wells Fargo Bank took over. I did not get my original loan from Wells Fargo Bank and the account has been a disaster ever since they took over my 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 2019-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I used a banking app called XXXX, owned by Early Warning Services, to send money to my sister in the amount of {$250.00} from my bank account, via my debit card. The app states that the receiving person should receive notification of the transaction within 30 minutes. We waited but my sister never received the money or any notice of the transaction within her XXXX account. I called XXXX to verify and they told me the transaction processing was controlled by the issuing bank and they couldnt cancel or reverse the transaction. I could see the transaction as PENDING on my online banking. Since it was a holiday weekend, I waited until XX/XX/XXXX to see if the transaction reversed. But it did not reverse, the transaction posted and the money was removed from my account. By this time, my sister still did not have the funds or access the funds. I made repeated calls to XXXX, as did my sister, and they advised that her email address, to which I sent the money, was affiliated with her an old bank account, not her current bank account. The old account had been closed many years ago. XXXX advised my sister to call her bank and reassign the email address to her current bank, which she did. After doing this the money still did not post to her account. I called XXXX again and was told that if a recipient does not claim the money sent to them within 14 days then it will be returned to the original sender. So, I waited until XX/XX/XXXX but by then the money still had not been returned to my account. I phoned XXXX on XX/XX/XXXX, and they told me they can not return the money and I have to file a claim with my bank. I then called my bank on XX/XX/XXXX and filed my claim. As of today, XX/XX/XXXX, the Claims Dept of my bank ( XXXX XXXX ) has told me they are at the mercy of XXXX and it is up to them whether or not I get my money back and they can not guarantee any success. XXXX, and therefore Early Warning Services,  has stolen {$250.00} from me and has no recourse for me to get it back efficiently. This is unacceptable and a form of theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-02-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with non-monetary relief