vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AZ

Complaint narrative:
My mother had a debt that was settled with her retirement home. She got numerous calls after I removed her from the home due to abuse that was reported previous to her moving and after. After that she got a demand letter and a filing from Hunter Warfield for approximately 15k which was never what she owed to start before being settled. XXXX XXXX belittled my elderly mom and scared her. She had me take over trying to deal with him. He and I did not get along and he would not listen so he decided it was best to call my mom and do it over to her. I filed with a lawfirm for her and she spoke to them they said that they could get it settled I said I am not settling for a debt that I dealt with them for that was a year ago. Well about 2 weeks ago I got a collection on my report for XXXX and I have never signed anything for her I was not even in the same state when she went into the retirement home. I started looking for a law firm to sue and see that this is a normal practice of these XXXX. I want to stop this. They need to remove from my report immediately as there are many damages as I support my mom and she has altheimers and I have been looking for a loan for her to get complete medical care that XXXX and XXXX XXXX and XXXX XXXX will not cover and of course they pulled this and see this collection and now I am unable to do this ... I am contacting all places needed to resolve this and attorney generals. I contacted the original creditor they do not know how they got my social security number so this is very serious in my book.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have filed a dispute quite a few times that the state lien on my credit report is not accurate in balance nor does it contain the required information to be reported on my credit report. The CRAs have agreed to remove tax liens from credit reports based on the " XXXX XXXX XXXX XXXX '', part of which includes a new policy to exclude from their credit reports any tax lien or judgment that does not identify the name, address, and at least the date of birth OR the social security number of the consumer. The lien information I have does not have the correct information nor is the balance on my credit report the same.

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 2018-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have filed a dispute quite a few times that the state lien on my credit report is not accurate in balance nor does it contain the required information to be reported on my credit report. The CRAs have agreed to remove tax liens from credit reports based on the " XXXX XXXX XXXX XXXX '', part of which includes a new policy to exclude from their credit reports any tax lien or judgment that does not identify the name, address, and at least the date of birth OR the social security number of the consumer. The lien information I have does not have the correct information nor is the balance on my credit report the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
My ex-husband & I filed chapterXXXX  bankruptcy in XX/XX/XXXX, the 2nd mortgage on our house was in it through Beneficial Finance. I am now trying to sell that house since my mother died & I am now living in her house. When the title search was done, the mortgage for Beneficial is still showing. As far as I know it was paid for in the bankruptcy which was discharged on XX/XX/XXXX. Beneficial was bought by HFC, then HSBC. I called HSBC on XX/XX/XXXX, I was transferred 3 different times until was given the # XXXX. When I called they were closed. I called again on XX/XX/XXXX, and they were still closed. on XX/XX/XXXX I called again & talked to a XXXX that told me to send the title search & a recorded mortgage with my county. That was done XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX. There was no response. The title Co. & I each tried calling them to see what they found & we each got the recorded message that the office had been closed. The message also had an address to send correspondence, but no phone number to reach them. on XX/XX/XXXX we send another title search & recorded mortgage to them. With still no response. Since I am living in my parents house already & can't sell my old house. This is creating a financial hardship on me. I would greatly appreciate it if you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: NC

Complaint narrative:
I first borrowed XXXX for graduate school XXXX XXXXXXXX from XXXX XXXX   {$10000.00} and {$2000.00} was supposed to be paid part of my internship from XXXX during my second year of graduate school for the school of XXXX XXXX. 
After I graduated my exhusband ran away with our children to XXXX and so I had to put my loan payments on hold in order to pursue my children to try to bring them back. This lasted longer than expected and so my loan had to be refinanced. Now loan is XXXX and I can only afford to pay the interest of XXXX a month. I am XXXX XXXX XXXX and don't know what to do. I want to pay off the original {$12000.00} I borrowed only. This added interest is killing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
Paid off the debt because it was affecting my credit score.  But the company has refuse to remove the collection debt from my credit score. I have called them several times but they refuse to remove it from collection even tho I already paid them. The company is transworld systems inc. I paid the debt collection so my credit score would improve. But they refuse to remove the collection. And it's still affecting me allot.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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: PA

Complaint narrative:
On XX/XX/2015 a balance of {$0.00} from XXXX XXXX Bank appeared on my XXXX  and Equifax credit report. I am challenging XXXX and Equifax to verify this account Per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false or erroneous reporting.This section of the ( FCRA ) places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the ordinal creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Consumers Inc
State: MD

Complaint narrative:
XX/XX/2018 and XX/XX/18 I requested a copy of the original signed and dated contract for Each one of the debts reported on my credit reports, with my original signature validating me as the guarantor of the debts which the original creditor XXXX XXXX  XXXX requires you to sign at time and date of service, showing you agree to the terms and you are the guarantor that will be liable for any debt incurred from hospital services. 

The debt collection company failed to provide me with the guarantor document signed and dated for the date that each debt services were provided. This document is used to make sure that the correct person is identified and charged for the services. The debt collection company only sent a computer generated ledger showing the services that were provided on each date, the cost of the services on each date and that XXXX XXXX  XXXX placed this debt to my information. The debt collection agency failed to send the requested document to validate that these debts actually belong to me.

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 2018-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2015 a balance of {$870.00} from XXXX XXXX Bank appeared on my Transunion and XXXX   credit report. I am challenging Transunion and XXXX to verify this account Per Section 609 of the Fair Credit reporting Act ). This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the original creditors documentation. Whatever i filled out and signed upon opening the account with the reporting creditors.

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 2018-02-18 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: PA

Complaint narrative:
I have been a victim of XXXX Experian security breach. They are several inquiries on my file that I dont recognize. These inquiries are a result of the XXXX Experian data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Im writing this evening about an account that was removed by Equifax but Equifax is still reporting the account from XXXX smartconnect. I will attach documents to show my proof also the account was deleted from XXXX and I would appreciate it if it was removed from XXXX as well. I also have a hard inquiry on my Equifax credit report that has been deleted from XXXX XXXX but its still being reported here is the document for that information. Equifax is putting the wrong city on my credit report my city is not XXXX XXXX   its XXXX please correct this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX reported a debt in my name of {$1100.00} to XXXX XXXX XXXX on XX/XX/2017 claiming I had defaulted on a 2 year contract and not paid the first months bill, causing an account disconnection. Contacted XXXX to advise them that i have never had phone service with them. The claimed the debt was valid. When i asked for a copy of the contract that I had supposedly agreed to I was informed that there was no contract and that it was an in store sale. They advised me to contact the local authorities to file a police report for identity theft. The local police would not be able to file anything as there is no paperwork, no phone number, no date when the service was opened, no account number that XXXX would provide. The reason they could not provide it was that I wasn't able to verify any of the information, obviously because I had not opened the account. The only information that I was able to get was that it was sold in a store in Missouri. I live in Virginia, have no relatives or friends in Missouri, and gave no one in Missouri permission to open a phone in my name. Disputed the issue with the XXXX XXXX, and XXXX who all came back and claimed the debt was valid. All agencies claim it meets FCRA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2015 a balance of {$870.00} from XXXX XXXX Bank appeared on my XXXX and Equifax credit report. I am challenging XXXX and Equifax to verify this account Per Section 609 of the Fair Credit reporting Act ). This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the original creditors documentation. Whatever i filled out and signed upon opening the account with the reporting creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wellsfargo is reporting a 30 day late inXX/XX/XXXX2017 but the theirXX/XX/XXXX statement and my Wells Fargo branch manager prove I was not late that month. After disputing and calling no nothing has been resolved.

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 2018-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX//2015 a balance of {$9900.00} from XXXX XXXX XXXX XXXX. appeared on my transunion credit report.I am challenging Transunion to verify this account Per section 609 of the Fair Credit Reporting Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA place the burden upon the credit bureaus and creditors to provide the credit bureau a co [ y of the original creditors documentation, Whatever I filled out and signed upon opening the account with the reporting creditors.

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 2018-02-19 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Im writing this evening about an account that was removed by XXXX but XXXX is still reporting the account from XXXX smartconnect. I will attach documents to show my proof also the account was deleted from XXXX and I would appreciate it if it was removed from Experian as well. I also have a hard inquiry on my XXXX credit report that has been deleted from XXXX XXXX but its still being reported here is the document for that information. XXXX is putting the wrong city on my credit report my city is not XXXX XXXX its XXXX please correct this as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have been trying to get my loans removed since Ive heard about the XXXX situation not only have Ive been harassed numerous times about the loans but they promised me a job in the medical field and majority of the health facilities I attempted did not take XXXX interns ... its been 8 years and on my credit I have an outstanding balance for student loans thats the only thing hurting my credit score and stopping me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
I was a victim of identity theft, according to what the bank stated to me the victim was arrested, they refused to give me anymore information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is not reporting one of my credit cards, the oldest one with higher limit, which hurts my score. My credit card, XXXX, says they report to all agencies, and it does show on my XXXX, but not Equifax. I tried getting a new card and they pulled my equifax report, I didn't get it and now have a new hard pull. When I tried calling to solve they said they wouldn't be able to do it over the phone and I would have to send docs via fax, which is absurd. They keep all our information, they lose it, they affect our life, and when we try to call them they don't help. It's amazing how much power you still give to the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a XXXX XXXX credit card around XX/XX/XXXX and immediately purchased several items on it. I had issues paying the bill online, so on XX/XX/XXXX I went to a store, returned one item that didn't fit correctly and asked for an exact amount to pay off the card completely. The clerk printed a balance statement that showed I owed {$360.00}. The return refunded {$65.00} to my account. The employee and I agreed on the remaining balance and I paid {$290.00}. At this time I thought everything was paid and up to date, that my card had a zero balance. Later, I still received additional bills in the mail. I called to inquire and the person on the phone apologized and told me it was a mistake and that any remaining balanced would be removed. They verbally confirmed my account balance was now at zero. After this I still received a bill. I called again in XX/XX/XXXX and this time the person argued with me for a lengthy time and said I still had a balance. Even though I disagreed with this, I asked how much to completely pay off the card and be done. I was told {$26.00}, so even though I didn't agree, I decided to pay that amount to be done with the card. However, I am still receiving bills today.

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 2018-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2015 a balance of {$0.00} from XXXX appeared on my Transunion credit report. I am challenging Transunion to verify this account Per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA place the burden upon the the credit bureaus and the creditors to provide the credit bureaus a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.

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