vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-26 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Sent letter to XXXX, Equifax, and XXXX requesting, validation of XXXX Bank account showing past due days. Asked for contractual obligation, bearing my signature, how they came up with the past due days. I have yet to receive anything regarding verification, yet I keep getting the same responses that the account is verified. I received a letter from XXXX on yesterday XX/XX/18 from XXXX stating that they can not find my account with the information I sent them which is the account number listed on my credit report, if this is the case how is the credit bureaus verifying this account if the account holder cant locate the account? Seems like the credit bureaus are not doing what they are supposed to do and this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: OH

Complaint narrative:
Sent letter to XXXX, XXXX, and Experian requesting, validation of XXXX XXXX   account showing past due days. Asked for contractual obligation, bearing my signature, how they came up with the past due days. I have yet to receive anything regarding verification, yet I keep getting the same responses that the account is verified. I received a letter from XXXX on yesterday XX/XX/18 from XXXX stating that they can not find my account with the information I sent them which is the account number listed on my credit report, if this is the case how is the credit bureaus verifying this account if the account holder cant locate the account? Seems like the credit bureaus are not doing what they are supposed to do and this is a violation.

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 2018-10-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
Mr. Cooper sold my mortgage ... AGAIN ... 

XXXX XXXX was original ... all have been terrible ... re sales I would like to know what law permits it ... and who the author of it was ... so I can bark them out ... 

Thanks ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion mentioned that they investigated the information from XXXX XXXX   that I disputed and the disputed information was verified as accurate. 

Dispute : I did not subscribe to XXXX. My demand requires you to investigate every claim of impropriety on my credit report. It includes : 1. Contact with alleged creditor ; 2. Request for signature exemplar ; 3. If none is produced, please remove the derogatory information ; 4. Remove all hard inquiries on my credit report if NO signature exemplar is provided. 

This is a final goodwill attempt to have you clear up my record. 

This is a formal notice that this account ( s ) are disputed. Please note that wrong information is a violation of FCRA & FDCPA. 

XXXX XXXX, XXXX/XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX AMOUNTS : {$540.00} ; {$300.00} ; {$540.00} ; {$1300.00}. 
XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX Remove these four credits information from my report. XXXX XXXX XXXX on Tel : ( XXXX ) XXXX was a billing company and a creditor mentioned by XXXX XXXX XXXX XXXX XXXX 
these accounts are not mine. It must be removed immediately. 

I need what was provided to you to show the medical bills are mine. why are you believing them over me. I am disputing and they said is mine medical bills, then show me proof.

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 2018-10-26 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: CO

Complaint narrative:
I have written all three reporting agencies of the incorrect information on my credit report. I have received letters confirming the information is correct, and I supplied documentation that shows it is not correct. Letters were sent out on XX/XX/2018. Return letters were received XX/XX/XXXX and XXXX, 2018. The information of my bankruptcy is stated as confirmed with the United States Bankruptcy Court, I enclosed a letter from the Courts indicating that they do not report this information to credit agencies. As part of my privacy, I believe this information should be deleted from my credit report. I have attached documentation supporting my claim/dispute. Please follow up on this and have the incorrect information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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 — Problem with personal statement of dispute
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I contact Ocwen Mortgage in XX/XX/2018 because I was having some financial difficulty. They set me up on a repayment plan in which I have made all payments on time. Ocwen has been reporting me on all three credit agencies as 60 days late. Ocwen never disclosed that if I opted for the repayment plan I would be considered late and that would be report to the credit bureaus as late. I feel that was unfair and they did not provide informed consent. I contacted Ocwen several times to no avail

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 2018-10-26 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: IL

Complaint narrative:
I am submitting a complaint against Equifax credit bureau. I have been trying in vain for an extremely long time to get online access to my reports without any luck. I cant get an answer from them as to why I keep getting a message that my information does not match, even though it is entered correctly. I have been on the phone with them as I have input my information and verified that is the same as what is in their system, but I still couldnt get online access. 

I have sent them my social security card and ID showing my information in the past as well. I cant even access my Equifax report via the XXXX website. I have attached copies of the messages I receive when on their website. One representative told me that maybe it would work if I had a paid membership subscription with their company, which I hope they are not purposely doing this to consumers that do not buy credit products from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have five different accounts on my credit report saying that I owe them money for medical bills from XXXX  XXXX  hospital. For one I never went to XXXX XXXX hospital on or even around these dates and even if I did which I didnt I had XXXX which paid for every medical expense I had. I think someone must have gotten a hold of my information and use it. I have a bad credit score because of this and its not fair because this isnt even from me and its thousands of dollars. Please help me. This is affecting my life making it to where I cant even build my credit due to these fraudulent accounts. They are with XXXX XXXX XXXX and XXXX XXXX XXXX. And some of them are even recent and I have been to that hospital in at least five years or more. And I had XXXX from XXXX to XXXX. Please help 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 2018-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian mentioned that they investigated the information from XXXX XXXX   that I disputed and the disputed information was verified as accurate. 

Dispute : I did not subscribe to XXXX. My demand requires you to investigate every claim of impropriety on my credit report. It includes : 1. Contact with alleged creditor ; 2. Request for signature exemplar ; 3. If none is produced, please remove the derogatory information ; 4. Remove all hard inquiries on my credit report if NO signature exemplar is provided. 

This is a final goodwill attempt to have you clear up my record. 

This is a formal notice that this account ( s ) are disputed. Please note that wrong information is a violation of FCRA & FDCPA. 

XXXX XXXX XXXX/XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX AMOUNTS : {$540.00} ; {$300.00} ; {$540.00} ; {$1300.00}. 
XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX Remove these four credits information from my report. XXXX XXXXXXXX XXXX on Tel : ( XXXX ) XXXX was a billing company and a creditor mentioned by XXXX XXXX XXXX XXXX XXXX 
these accounts are not mine. It must be removed immediately. 

I need what was provided to you to show the medical bills are mine. Why are you believing them over me. I am disputing and they said is mine medical bills, then show me proof.

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 2018-10-26 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: CO

Complaint narrative:
I have written all three reporting agencies of the incorrect information on my credit report. I have received letters confirming the information is correct, and I supplied documentation that shows it is not correct. Letters were sent out on XX/XX/2018. Return letters were received XX/XX/XXXX and XXXX, 2018. The information of my bankruptcy is stated as confirmed with the United States Bankruptcy Court, I enclosed a letter from the Courts indicating that they do not report this information to credit agencies. As part of my privacy, I believe this information should be deleted from my credit report. I have attached documentation supporting my claim/dispute. Please follow up on this and have the incorrect information 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 2018-10-26 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: CO

Complaint narrative:
I have written all three reporting agencies of the incorrect information on my credit report. I have received letters confirming the information is correct, and I supplied documentation that shows it is not correct. Letters were sent out on XX/XX/2018. Return letters were received XX/XX/XXXX and XXXX, 2018. The information of my bankruptcy is stated as confirmed with the United States Bankruptcy Court, I enclosed a letter from the Courts indicating that they do not report this information to credit agencies. As part of my privacy, I believe this information should be deleted from my credit report. I have attached documentation supporting my claim/dispute. Please follow up on this and have the incorrect information 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 2018-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax mentioned that they investigated the information from XXXX XXXX that I disputed and the disputed information was verified as accurate. 

Dispute : I did not subscribe to XXXX. My demand requires you to investigate every claim of impropriety on my credit report. It includes : 1. Contact with alleged creditor ; 2. Request for signature exemplar ; 3. If none is produced, please remove the derogatory information ; 4. Remove all hard inquiries on my credit report if NO signature exemplar is provided. 

This is a final goodwill attempt to have you clear up my record. 

This is a formal notice that this account ( s ) are disputed. Please note that wrong information is a violation of FCRA & FDCPA. 

XXXX XXXX XXXX/XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX AMOUNTS : {$540.00} ; {$300.00} ; {$540.00} ; {$1300.00}. 
XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX Remove these four credits information from my report. XXXX XXXX XXXX on Tel : ( XXXX ) XXXX was a billing company and a creditor mentioned by XXXX XXXX XXXX XXXX XXXX 
these accounts are not mine. It must be removed immediately. 

I need what was provided to you to show the medical bills are mine. why are you believing them over me. I am disputing and they said is mine medical bills, then show me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have two checking accounts with Bank of America. On XX/XX/18, I checked my available balance on one of my accounts and it showed {$94.00}. On XX/XX/18, I noticed that my account was over by {$54.00}, so I immediately made a transfer from my second Bank of America account ( internal transfer ) and after reviewing the transactions, I noticed a overdraft fee in the amount of {$35.00} posted to my account on XX/XX/18, when my account still had a balance of {$94.00}. I contacted Bank of America on XX/XX/18 and first spoke with XXXX in regards to the fee, and asked to speak with a manager to have that fee reversed, since there are transactions still in process and I should not be charged an overdraft fee, because I never signed for overdraft protection and any transaction will come to my account should be declined, but instead I am already being charged by Bank of America an overdraft fee for transactions not yet posted to my account. She did not transfer me to a manager or  supervisor and started to give me an education session over the phone. I disconnected the call and called Bank of America again and was connected with a representative named XXXX, who said he was a manager in West Virginia. Mr. XXXX refused to reverse the {$35.00} fee. All my transactions were made as credit and are still in pending status as of XX/XX/2018 but Bank of America already charged me a overdraft fee on XX/XX/2018.

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 2018-10-26 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: CO

Complaint narrative:
I OWED XXXX XXXX {$140.00} I PAID {$150.00} TO THEM ON XX/XX/2018 WHICH WAS THE FINAL PAYMENT. THEY CLAIM I DID NOT PAY AND WAS TO DATE OWING. I HAVE SENT PROOF OF PAYMENT 3 TIMES TO EXPERIAN AND XXXX TO THEIR TX ADDRESS. I HAVE SENT COPIES OF MY BANK STATEMENTS SHOWING PAYMENTS THEM. THEY STILL CLAIM I DID NOT PAY AND IT IS NOW 6 MONTHS LATER. I HAVE ASKED THEM WHAT THEY DID TO THE PAYMENT I SENT IN XXXX WITH NO RESPONSE FROM THEM. THEY HAVE CAUSED MY GOOD CREDIT SCORE TO FALL DRASTICALLY.

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 2018-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
On Friday, XX/XX/XXXX, I called and spoke with someone in XXXX XXXX 's office, the solicitor for Amsher. I told them this amount is not validly owed and I am working with XXXX to resolve this matter, and clear my credit and good name. Because this amount is not owed, I should not have to paid it. I do not want to have to take legal action, but will do so, if necessary, to defend my good name and good credit. Amsher 's inaccurate report of an alleged debt negatively affected my credit score by 159 points, and they had not, at that time, made any effort to reach 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 2018-10-26 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: AZ

Complaint narrative:
I initially contacted American Express on XX/XX/XXXX for charges that occurred on my account XX/XX/XXXX. The reason for the delay was because I had to make sure that I tried everything possible to make this plan that I signed up for work. The charge was for XXXX XXXX for a XXXXXXXX XXXX XXXX how to sell on XXXX. Well, I received some of the training and had use of their website, etc., but it was not the " we will help you succeed '' tools that I paid for. On XX/XX/XXXX I try to contact the company and the phone message states that the company is temporarily closed. I called someone I had met at training and they tell me the FTC has filed a complaint. 
XX/XX/XXXX I file a compliant with AmEx with the fraud department stating that I had been a victim of fraud, that I did not get all the services I paid for. On XX/XX/XXXX I got an email stating I had a message at AMEX they had closed my dispute and did not give me a reason. I opened another on XX/XX/XXXX again this dispute was closed in XXXX, but I misunderstood, I thought they were awarding me the $ but they actually put the charge back on. They said it was because they had sent me an email asking for additional information, which I did not get. I told them I would have happily sent them the required information. So, on XX/XX/XXXX opened again and got the phone # to upload my documents which I did on XX/XX/XXXX. So, now on XX/XX/XXXX I get an email telling me it's closed again and I'm responsible for the charge and again no explanation why. XX/XX/XXXX I Call and talk to a rep and he says I was denied because I said it was fraud and it wasn't, I agreed to the charge. Which I did and that if I would have said I didn't receive the items then I would have gotten some of my money back. I told him in the documents I sent it states clearly that I didn't receive a lot of the items and I mentioned which ones. Well, he said you listed it as fraud and not missing items and therefore it was denied. I asked why if in my explanation I state I did not receive certain items that it could have been researched that way and he said because I selected the fraud button. I told him that the other selection was did not receive merchandise and that was incorrect because I did receive some. I can't believe that I would lose all that money over semantics. I was trying to be honest, I did receive some merchandise but not all. Now he states it's too late for me to do anything, even though I started it back in XXXX. 
XXXX XXXX have been charged with fraud and been ordered to pay {$10.00} XXXX out. I have filed a claim with the FTC but it could be years if anything comes from it, in the meantime I have a credit debt with nothing to show for it. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
In XX/XX/XXXX I bought a XXXX XXXX XXXX XXXX from XXXX/Bridgecrest always made my payments, I was not perfect but made sure the payments were made. I had the car 10 months and, paid every month tell XX/XX/XXXX the car was totaled XX/XX/XXXX it was signed over to XXXX XXXX XXXX XXXX XX/XX/XXXX, it is at a auction house I no longer own or, have had the car since XX/XX/XXXX. I still was nice and, made payments for a month and, a hafe after I signed it over to the insuance company. I also have Gap, and full drivecare gps warrantys on the car that I paid an extra XXXX for. Bridgecrest/XXXX got the insurance check for XXXX and, is still trying to bill me XXXX for a car I no longer own or have. with them getting refunded all the warrantys and, gap plus gps that I did not get to use for the five year contract this car should be paid off. This is effecting me as, they think they can double dip get me to pay for something I do not own or even have. I bought gap in case something like this happened. This is not right or fair. I am stuck without and, have XXXX XXXX XXXX bills due to a XXXX  injury, and I have to pay that out of pocket, but I had every warranty known to man on that car through XXXX, and they want to bill me 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