vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On or about XX/XX/2018 I requested Equifax to remove a previous address that was I no longer lived at that was exposed during Equifax data breach. I received the results of the above dispute and Equifax successfully deleted the previous address from my credit report. 

That same day I tried to submit another dispute but received an error stating that my personal information couldn't be verified and to send in additional documents to verify my identity. I did so by mail sending Equifax a copy of my ( Driver 's license, social security card, utility bill for my current address along with a additional document with my previous address. 

On or about XX/XX/XXXX I checked my Equifax credit report and noticed that Equifax had reinserted the previous address which had been previously deleted. That same day I submitted a request to have it removed again via a customer service representative via phone. 

On or about XX/XX/2018 I received a dispute completed email regarding the removal of my previous address. The results stated that the address couldn't be removed due to previous documents I sent to Equifax previously!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 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: NC

Complaint narrative:
I have disputed the late payments on account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They failed to give me verification as to why they will not remove the account..The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-08 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: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have contacted Sally Mae, now Navient on multiple occasions, I even contacted the Federal Student Aid Department. This information didnt get updated. They have admitted to putting a retroactive forbarence on my account. I called and advised them on multiple occasions that it should be in a forbearance status as I was unemployed at the time, and was going though financial hardship still due to the loss of my mother, they have failed to retroactively correct this all the way, and have not updated my credit report for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: NC

Complaint narrative:
I have disputed the late payments on account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They failed to give me verification as to why they will not remove the account..The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Missing disclosures in Mortgage closing : XXXX # XXXX # XXXX NC Treasurer Unclaimed Property : Mortgage Escrow Reimbursement # XXXX Real Estate Lawyer Review : XXXX XXXX XXXX XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
A debt was added to my credit report, that I was unaware of in the amount of {$2200.00} acct # XXXX This is hurting my credit negatively and I need this removed as soon as possible and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be  a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 



Sincerely, 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 2018-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: IN

Complaint narrative:
Dear CFPB : I found this inscrutable notation on my credit report -- ENHANCED RECOVERY COMPAN # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Placed for XX/XX/XXXX Balance : {$190.00} Pay Status : >In Collection< Page 2 of 13 collection : Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Date Updated : XX/XX/XXXX Original Amount : {$190.00} Original Creditor : XXXX XXXX ( Cable/Cellular ) Past Due : > $ XXXX< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX Now, there are three things wrong with this collection agency 's attempt to place this on XXXX, XXXX and XXXX -- all three bureaus. First, they are admitting on their own report that whatever creditor they purport to represent only dealt with my " agency or attorney '' -- in short I've never signed a " charter communications '' contract in my life in my personal capacity. Second, I have never lived in Florida, which is maybe where this creditor is from -- at least where the collection agency is from. Third, the amount in question will disappear from my credit in XXXX, which means that it dated from five years ago back in XXXX, and it just now is popping up on my credit, which is highly suspicious. As a bonus problem, the amount is {$190.00}, which of course would be much more than any month of a cable bill..if that's what this at least five year old reported item is in fact representing. Bottom line, I have nothing to do with XXXX XXXX nor this Collection Agency out of Florida and this report is fraudulent. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2018, I made a purchase from a company on XXXX by the name @ XXXX. I only get comfortable purchasing from this business because it was promoted by a very famous person on XXXX named @ XXXX. Under the impression that I would be protected from any scam by using XXXX through my Chase app, I went ahead and made the payment. Afterward, the business confirmed receipt of the payment and asked for my address to ship the item. Since then, the business has blocked me on XXXX. Ive checked through other accounts and saw that this business is still on XXXX and is still out there scamming people for their hard earned money. I sent them {$250.00}, which is the amount I requested back from Chase. I asked them about buyer protection. They refused to refund the money. Chase advised to make a police report and thats it. This is very unfair as the seller is also using XXXX which is Im assuming is linked to a bank account. I need help getting my money back and stopping this @ XXXX  from ever taking anyone elses money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: OH

Complaint narrative:
On Monday XX/XX/2018 My wife and I called into the company to ask if we had any pending or scheduled payments that were going to be coming out. The lady on the phone told us no and that nothing will be taken out. 

On Wednesday XX/XX/XXXX {$240.00} came out and made our account negative. We never authorized that payment and if there was a scheduled payment which nothing showed online or in the app that we had one then nothing should have been taken out. When we called the Monday before we were going to cancel any pending payment so when they told us no that there were no pending payments is where i have a problem. We called that same day ( Wednesday ) and the guy on the phone told us it would be 24-48 hours and gave us a confirmation number of XXXX. 

So on Friday, XX/XX/XXXX the money was still not back into our account. We called and spoke to another guy. He said he doesn't know why it was never refunded and said that he would like to expedite the process and asked me to send and email with a voided check. i did that and asked when this would would be back into my account and he said 24-48 hours. 

So on XX/XX/2018 the money still wasn't into our account. We called and spoke to the " supervisor '' and she said it will take 24-48 hours and i asked about the overdraft fees she asked us to send in proof which we did and she advised that she will send it over to the accounting department so we can get our refund. 

So on XX/XX/2018 we still haven't gotten our money. We called and asked where it was at and they said that since we were set up on recurring that it was going to be mailed to us. Told them that everyone else we have spoken to has told us that it will be going into our bank account not getting mailed and that we want our money back now. 

So today XX/XX/2018 we still haven't received anything. We called again and told them that we are done with them and just want our money back. Guy on the phone said the check was supposedly mailed out on XX/XX/XXXX but only for the payment amount not for the overdraft fees as well. We sent in more documentation for that and he said he will expedite it. 

I just want our money back. I have never had a place like this give us a run around and cause us so much harm in our financial life. Normally when they give the days it will be refunded it normally is refunded. I have gone days without eating or money for gas because we haven't had money because they lied to us so many times. it should have never taken this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have never done business with United Revenue Corporation. I do not have a signed contract with United Revenue Corporation. I am not liable for this debt from XXXX XXXX XXXX. This is my second attempt asking for proper debt validation that meets FRCA requirements. On XX/XX/2018 I contacted United Revenue Corporation asking for a proper debt validation. United Revenue Corporation failed to complete this request. An alleged e-bill does not meet FRCA requirements for validation. If United Revenue Corporation can not produce a signed contract from me acknowledging that I have in fact done business with them and am liable for this debt, which is proper validation, then they must remove their erroneous trade from my credit report at once. Inserting erroneous information onto a credit report is a FRCA violation that is liable for payouts starting at {$1000.00} if pursued. United Revenue Corporation does not have permission to contact me by e-mail, phone, nor US mail. All communication is to be kept within the cfpb portal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This private student loan debt account that is reporting on my credit report ( Equifax ) for the amount of {$7000.00} was disputed and removed last year in XX/XX/XXXX. This then and now closed account is reporting different amounts on a monthly basis. If an account is closed how is the balance amount increasing? Last year in XX/XX/XXXX, this account reported the amount of {$7000.00} and in XX/XX/XXXX, this account reported the amount of {$7000.00} owed.This account has also remained on my credit report past 7 years with a date of XX/XX/XXXX being the last date of activity. This account has reappeared on my credit report in XX/XX/XXXX with no notification sent and with no recent account activity with a completely different amount for {$7000.00}. XX/XX/XXXX this account is reporting that I owe XXXX. The inaccuracy and lack of validity of this account is astounding and ridiculous at this point. This information has not been verified and it's apparent with the varying debt amounts. Equifax has violated Section 611 ( a ) ( 5 ) ( b ) of the FCRA. I, as a consumer, have the right to a notification within 5 business days upon reinsertion to the additional information of a previously deleted account. Equifax did not provide that information to me within the time frame of the law. Furthermore, this account is on my Equifax report past the 7 years of the date of last activity. As a consumer I have the right to receive documentation stating and showing when an account will reappear on my credit report. This account has reappeared in an effort to tarnish my credit worthiness with my recent efforts of obtaining credit to purchase a home. No documentation was sent to me that show the validity of this account. I have provided my SSN and State Issued ID has verifying documentation of identity. Equifax can't lie again and say that the identity verifying documentation wasn't provided because I have attached it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
A debt was added to my credit report, that I was unaware of in the amount of {$620.00} acct # XXXX ( Client account # XXXX ) This is hurting my credit negatively and I need this removed as soon as possible and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NJ

Complaint narrative:
checked my credit reports and found a few Derogatory marks in the beginning of the month that I do not recognize XXXX XXXX XXXX. When I called they could not verify my information and/or provide information about the debt claimed that I owe. On my credit reports it shows that I owe them {$860.00} on one account and again another {$1300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I went through all the steps on XXXX to obtain my free credit report from Equifax. It has been several years since my last request, so I am clearly eligible. However, after going through all of the verification process on the Equifax website ( ported from XXXX ), the result was " Online Delivery Unavailable '', and I was directed to complete and mail in some form, with several attachments to " verify identity ''. This is XXXX and effectively excludes me from obtaining my government mandated free credit report. I'm sure that any potential creditor requesting my credit report from Equifax would obtain it instantly ( otherwise, Equifax would be out of business ), so this is clearly discrimination  between " paying customers '' and myself as a member of the general public - a disparity the law was intended to correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
So basically I had a loan for a car from Exeter Finance and the car was repossessed on XX/XX/XXXX. I had stopped making payments in either XXXX or XXXX of XXXX, they report it as XX/XX/XXXX. This company consistently adds and removes this account from my credit report and then changes the status of the account. It was recently reported to XXXX on XX/XX/XXXX as a delinquent account. this is a repossession and a charged off closed account. Every time they take this off my credit nothing happens to my score but when they re-add with payments being delinquent or missed payments it reduces my score significantly. I have been working vigorously on my credit the last 6 months and I would have easily worked out something with them, but no longer because they are doing this to cause intentional harm to me.

Company response to consumer: Closed with explanation