vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-03 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: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow   XXXX   XXXX   compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: Williams & Fudge, Inc
State: TX

Complaint narrative:
This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow metro  2 co mpliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: GA

Complaint narrative:
I have wrote letters, faxed, and spoke with representatives concerning my credit report. There are frivolous inquiries on my credit report, and accounts that are closed that should no longer be appearing on my credit. There are  XXXX  judgements which are paid in full that is still showing on my report. There is also a bankruptcy that should not be on my credit report. This is all with equifax,  XXXX , and  XXXX !!!!! I keep getting the run around and Im tired .... there is like a thousand address/ names etc that I want updated also. Please HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
I tried to find out what the payoff was the said it was a fee involved which was not disclosed by freedom financial. They would not accept the certified check for the payoff and are going to charge me a late fee because they did not accept the certified check I just wanted to pay for my house. I sent them a check for  XXXX  on    XXXX   XXXX   XXXX    and was told it was not acceptable on   XXXX   XXXX   XXXX    and was refused to be allowed to talk to a supervisor.

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 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Some one has placed a credit freeze on my credit account. When I call about having it removed I am being told it will cost money to remove the credit block. I need to have my credit pulled to get a better interest rate on my vehicle with    XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Good afternoon, On  XXXX   XXXX   2016 I m ade a purchase on  XXXX .     I  XXXX   XXXX  a received a package from the merchant  XXXX . The package contained the wrong merchandise. I returned said incorrect merchandise back to the merchant. They received the merchandise verified by ups tracking # and signature proof of delivery.     The merchant claimed that they sent me the correct watch and that the watch I sent them is not what they sent me. They refused to issue me a refund, and also said they were keeping the watch.     I have been in contact with the merchant and credit card company since  XXXX  of    2016.      I contacted my credit card company  American Express who closed the investigation a couple days ago in favor of the merchant. I supplied pictures, tracking # s, and proof that I tried to resolve the issue with the merchant. The merchant will not issue me a refund, and American Express will not resolve the issue either. Please help. Tha nks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: TX

Complaint narrative:
I HAVE SUBMITTED POLICE REPORT TO EXPERIAN and   XXXX   SEVERAL OCCASIONS AND DISPUTED ACCOUNTS IN   XXXX   THESE ACCOUNTS HAVE BEEN DELETED DUE TO FRAUD AND THEY  RE  APPEAR ON MY CREDIT FILE I WAS TOLD TO GET A NEW POLICE REPORT AND SEND BACK TO THEM I HAVE DONE THAT AND I AM GETTING NO WHERE WITH EXPERIAN IN REMOVING THE ACCOUNTS THAT CAME BACK AND ACCORDING TO TH FTC I DID NOT RECEIVE A  XXXX  DAY NOTICE ON THE REAPPEARING ACCOUNTS THAT FRAUDULENT

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 2017-05-03 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: GA

Complaint narrative:
I have wrote letters, faxed, and spoke with representatives concerning my credit report. There are frivolous inquiries on my credit report, and accounts that are closed that should no longer be appearing on my credit. There are  XXXX  judgements which are paid in full that is still showing on my report. There is also a bankruptcy that should not be on my credit report. This is all with   XXXX  ,  XXXX , and experian!!!!! I keep getting the run around and Im tired .... there is like a  XXXX  address/ names etc that I want updated also. Please HELP!!!

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 2017-05-03 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: GA

Complaint narrative:
I have wrote letters, faxed, and spoke with representatives concerning my credit report. There are frivolous inquiries on my credit report, and accounts that are closed that should no longer be appearing on my credit. There are  2 judgeme nts which are paid in full that is still showing on my report. There is also a bankruptcy that should not be on my credit report. This is all with   XXXX ,  transunion, and  XXXX !!!!! I keep getting the run around and Im tired .... there is like a thousand address/ names etc that I want updated also. Please HELP!!!

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 2017-05-03 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: Navient Solutions, LLC.
State: MN

Complaint narrative:
I made arrangem ents with Navient in   XXXX   XXXX  to pay {$100.00} every month that was automatically drafted from my bank account.     I lost my job in  XXXX   XXXX  and when they call to ask if I can make a payment and I explain that I ca n't they say they will mark it as failure to pay.     In late  XXXX , a gentleman from Navient called to see if I would be interested repayment options and I told him I would. He then asked me about my co-signer. I asked him what did the co-signer have to do with repayment options. He hung up the phone.     This company is not interested in helping consumers repay their loans. I paid for a year and the balance never decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: PR

Complaint narrative:
XXXX   -2015   {$120.00}   XXXX   XXXX   Is an account that is not mines.

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 2017-05-03 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: KY

Complaint narrative:
On  XXXX   XXXX , a dispute letter to the Transunion credit reporting agency was sent to validate the accuracy of a bankruptcy and  XXXX  judgements. I never received a letter back but on  XXXX   XXXX , I called and checked the status of the dispute. I was told that the dispute was completed. The bankruptcy was verified and the judgments were deleted due to no validation. I asked who verified. I was told the bankruptcy was verified by the  XXXX   County Federal District Court.  When I contacted the  XXXX   County Federal District Court,  I was told by  XXXX  Clerk,  XXXX   XXXX   XXXX , that the bankruptcy could not be verified due to not finding any information on me. I resent a re-investigation dispute on  XXXX / XXXX /  XXXX   and Transunion received the dispute on  XXXX . On  XXXX , I called again to check the status and again was told that bankruptcy was verified. I asked how was it verified and she stated that they do n't verify. They do n't look at any paperwork and that they depend on the computer system to verify any information received. No human eyes looked at the information/paperwork until it is labeled verified into the computer. So I asked, " did you actually talk to anyone and she stated no we do n't, just sent a transmission through the internet. which is a violation of the FCRA. It was all done in less than a day and without accurate verification. I would like this bankruptcy removed due to it being inaccurate and because validation was never received to report this error. This bankruptcy is not allowing me to become a independent person. I have to rely on others for my living situation due to this reporting on credit.

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 2017-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear  XXXX   XXXX   XXXX   XXXX  : I have been an account holder since  2014  and during that time I have enjoyed my experience greatly I am writing to see if you would be willing to make a good will adjustment to your reporting to the  XXXX  credit agencies I have two late payments on the above referenced account that date back to    2014  since that time I have been an exceptional customer paying every month on time.     Because of my exceptional payment history over the last  XXXX  years. I would like you to consider removing the negative payments from my credit report. At the time of the late payment I was put on bed rest my last month of  XXXX  no pay. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that  XXXX   XXXX   XXXX  is willing to work with me on erasing this mark from my credit reports.     I have been a very happy customer in the past and hope to continue a long relationship. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers.   XXXX   has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why is heads above the rest. I look forward to your reply.     May  XXXX  please remove all negative remarks off my credit report. In good faith.       Sincerely,

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 2017-05-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear   XXXX   XXXX   XXXX   XXXX   : I have been an account holder since  2014    and during that time I have enjoyed my experience greatly I am writing to see if you would be willing to make a good will adjustment to your reporting to the  XXXX  credit agencies I ha ve two lat e payments on the above referenced account that date back to  2014 s ince that time I have been an exceptional customer paying every month on time.     Because of my exceptional payment history over the last  two  years. I would like you to consider removing the negative payments from my credit report. At the time of the late payment I was put on   XXXX   XXXX   my last month  of    XXXX   no pay. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that    XXXX   XXXX   XXXX   is willing to work with  me on erasing this mark from my credit reports.     I have been a very happy customer in the past and hope to continue a long relationship. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers.   XXXX   has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why is heads above the rest. I look forward to your reply.      May  XXXX  pl ease remove all negative remarks off my credit report. In good faith.       Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: TX

Complaint narrative:
I HAVE SUBMITTED POLICE REPORT TO   XXXX   and EQUIFAX SEVERAL OCCASIONS AND DISPUTED ACCOUNTS I N 2016 THESE ACCOUNTS HAVE BEEN DELETED DUE TO FRAUD AND THEY RE APP EAR ON MY CREDIT FILE I WAS TOLD TO GET A NEW POLICE REPORT AND SEND BACK TO THEM I HAVE DONE THAT AND I AM GETTING NO WHERE WITH   XXXX   IN REMOVING THE ACCOUNTS THAT CAME BACK AND ACCORDING TO TH FTC I DID NOT RECEIVE A  FIVE D AY NOTICE ON THE REAPPEARING ACCOUNTS THAT FRAUDULENT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: NC

Complaint narrative:
Upon being denied from a lender for " too many inquires '' on my credit reports, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on credit reports that I DID NOT authorize and had no knowledge of. I contacted the credit bureaus immediately and was being given no resolution. I also tried putting a fraud alert on mt account which should ensure this issue is n't a re-occurrence. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     I have attached Inquires listed on my report that I did not authorize.

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 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing this complaint because  XXXX , an  American Express  card, wo n't dispute anything, no matter how egregiously fraudulent.     My cell phone is also a hotspot. I have bought so much data which gets you around the Internet, because when it slows down or stops your data is gone. My  XXXX  is  XXXX   XXXX .      XXXX   XXXX  has given me some data back for free, but it 's still slow. It 's supposed to move at the level of  XXXX   XXXX , but it does n't.     The tablet I was using never sped up. An in an instant my data was eaten up as  XXXX   XXXX  told me but I never really went anywhere, because it stopped or slowed to a crawl.     I called  XXXX  and told them what happened, and this stupid representative said it 's my fault because I gave them my card number!!! Is n't this the dumbest thing you ever heard.     I want this disputed because I never got what I paid for. These are the amounts and dates.       XXXX   XXXX   -  XXXX  -    XXXX   -   XXXX   -   XXXX   -  XXXX . -   XXXX    Now for  XXXX . They are charging me but say because I have a   XXXX   device,   XXXX   is the one charging me ; I access   XXXX   through  XXXX . However,   XXXX   says it 's not them.      I do n't know who is charging me or how they got my number. I do n't have   XXXX  . I wanted to dispute the below figures and  XXXX , once again, said no! They wo n't even disputes fraudulent ATM charges.     They are breaking the law. By the law they are supposed to dispute all fraudulent activities : I want to dispute the charges below also.       XXXX  : -  XXXX  -   XX/XX/XXXX   -   XXXX   -   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ECMC GROUP, INC.
State: NH

Complaint narrative:
Numerous calls about student loan default for someone else with the same name. I have never held any student loans. Did n't use second identifier ( such as date of birth ) when contacting my place of employment to verify employment. Continues to call and leave messages even though they have been told they have the wrong person and verified that the birthdate was different with the person they are looking for, and was requested to stop calling. Will not stop calling. Harassing behavior.

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 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
I  have two is sues that I would like explained to me by  Caliber Home Loans. Caliber pu rchased my wife 's mortgage as of  XXXX   XXXX ,  XXXX . I am entering into a modification with them right now so I would like some clarification on some facts and figures as they now have all the files.   1 ) I would like an accounting for my wife 's estate on how in a modification done  XXXX  of  XXXX , that the principal grew from {$200000.00} to {$310000.00} and if this figure is accurate, exactly what does in include for the additional money in excess of {$100000.00}.    2 )  With this same modification  XXXX  made my wife agree to a life insurance policy for the principal of the loan as part of the loan package. It was not an optional addition to the loan at that time  as Caliber  claims it was. Because it was mandatory at the time of the modification, I do not understand why on  her death this did not kick in. It was part of the package they purchased.

Company response to consumer: Closed with explanation