vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-18 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: IL

Complaint narrative:
I have disputed the account being reported by XXXX multiple times. Every time, XXXX responds that the information is accurate, but IT IS NOT. It seems that the credit reporting agencies ( Equifax, XXXX & XXXX ) simply take XXXX 's word for things rather than conducting a proper " investigation. '' The credit bureaus are responsible for verifying the ACCURACY of the information THEY report. They can not simply rely on XXXX 's word, or the word of ANY creditor, with no proof. 

As explained previously, this account was included in my bankruptcy in XX/XX/2008 in the XXXX District of IL Bankruptcy Court Case No. XXXX. Despite XXXX XXXX/XXXX choosing to classify this debt as a student loan, IT DOES NOT MEET THE DISCHARGABILITY EXEMPTION CRITERIA contained in 11 USC 523 ( a ) ( 8 ) or even the definition of a " qualified educational loan '' under 26 USC 221 ( d ) ( 1 ) as it was issued ABOVE THE COST OF ATTENDANCE as established by my educational institution. 

Whether or not XXXX agrees with the Judge 's decision or even likes the judge 's decision is 100 % irrelevant. The fact of the matter is THIS DEBT WAS DISCHARGED IN 2008 -- 10 YEARS AGO. As such, IT IS A VIOLATION OF THE FCRA to continue reporting it on my credit report ( s ). Irregardless of XXXX 's position, I have court documents affirming my discharge and this debt needs to be COMPLETELY REMOVED from my credit report ( s ) immediately as the discharge was 10 years ago and therefore no longer qualifies to report on my credit IN ANY FASHION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX  and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX not 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 2018-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I called Midland Funding LLC on XX/XX/XXXX, I told them I could pay one amount and have the charge done. I offered to pay {$350.00} of XXXX. I was told the offer only stood for today. They kept telling me the account was in a " pre legal '' status. On XX/XX/XXXX, I told them that " pre legal '' meant nothing. They offered me a different amount of a settlement of {$500.00}. Then came back with {$470.00}. I asked for it to be sent in a letter, and I was told it was " only good for today. '' They refused to mail the letter. I said, that's against the law, you have to provide it in a letter if I ask for it. They wanted a date for the letter to expire. I said no. They refused to answer my questions. In addition, I asked for the recording of the call, and they said it couldn't be provided. This company is awful, and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence. 
i want the negative late of XX/XX/2018 to be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj 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 2018-07-18 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence. 
i want the negative late of XX/XX/2018 to be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence. 
i want the negative late of XX/XX/2018 to be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj 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 non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was steered by XXXX XXXX XXXX to take out student loans through Sallie Mae ( i.e. Navient ) that totaled roughly {$16000.00} at the time I graduated with an XXXX XXXX XXXX in 2007. At that time, I was told that the only work in my field ( XXXX ) that I was qualified for was as an unpaid intern ( at multiple job interviews ). I have never worked in my field of study, and sadly, I never will. Through the next few years I struggled financially, and Sallie Mae was more than happy to grant me a forbearance, never telling me that I could have qualified for income driven repayment that could have saved me alot of money. My current payoff is now over {$33000.00}. I contacted Navient last year and offered to pay off the original debt, but they could not be swayed to forego the ridiculous amout of interest accrued ( and still accruing ). Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: IL

Complaint narrative:
I have disputed the account being reported by XXXX multiple times. Every time, XXXX responds that the information is accurate, but IT IS NOT. It seems that the credit reporting agencies ( XXXX, XXXX & Transunion ) simply take XXXX 's word for things rather than conducting a proper " investigation. '' The credit bureaus are responsible for verifying the ACCURACY of the information THEY report. They can not simply rely on XXXX 's word, or the word of ANY creditor, with no proof. 

As explained previously, this account was included in my bankruptcy in 2008 in the XXXX District of IL Bankruptcy Court Case No. XXXX. Despite XXXX XXXX choosing to classify this debt as a student loan, IT DOES NOT MEET THE DISCHARGABILITY EXEMPTION CRITERIA contained in 11 USC 523 ( a ) ( 8 ) or even the definition of a " qualified educational loan '' under 26 USC 221 ( d ) ( 1 ) as it was issued ABOVE THE COST OF ATTENDANCE as  established by my educational institution. 

Whether or not XXXX agrees with the Judge 's decision or even likes the judge 's decision is 100 % irrelevant. The fact of the matter is THIS DEBT WAS DISCHARGED IN 2008 -- 10 YEARS AGO. As such, IT IS A VIOLATION OF THE FCRA to continue reporting it on my credit report ( s ). Irregardless of XXXX 's position, I have court documents affirming my discharge and this debt needs to be COMPLETELY REMOVED from my credit report ( s ) immediately as the discharge was 10 years ago and therefore no longer qualifies to report on my credit IN ANY FASHION.

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 2018-07-18 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: IL

Complaint narrative:
I have disputed the account being reported by XXXX multiple times. Every time, XXXX responds that the information is accurate, but IT IS NOT. It seems that the credit reporting agencies ( XXXX, Experian & XXXX ) simply take XXXX 's word for things rather than conducting a proper " investigation. '' The credit bureaus are responsible for verifying the ACCURACY of the information THEY report. They can not simply rely on XXXX 's word, or the word of ANY creditor, with no proof. 

As explained previously, this account was included in my bankruptcy in 2008 in the XXXX District of IL Bankruptcy Court Case No. XXXX. Despite XXXX XXXX choosing to classify this debt as a student loan, IT DOES NOT MEET THE DISCHARGABILITY EXEMPTION CRITERIA contained in 11 USC 523 ( a ) ( 8 ) or even the definition of a " qualified educational loan '' under 26 USC 221 ( d ) ( 1 ) as it was issued ABOVE THE COST OF ATTENDANCE as established by my educational institution. 

Whether or not XXXX agrees with the Judge 's decision or even likes the judge 's decision is 100 % irrelevant. The fact of the matter is THIS DEBT WAS DISCHARGED IN 2008 -- 10 YEARS AGO. As such, IT IS A VIOLATION OF THE FCRA to continue reporting it on my credit report ( s ). Irregardless of XXXX 's position, I have court documents affirming my discharge and this debt needs to be COMPLETELY REMOVED from my credit report ( s ) immediately as the discharge was 10 years ago and therefore no longer qualifies to report on my credit IN ANY FASHION.

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 2018-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: General Service Bureau, Inc.
State: NE

Complaint narrative:
I work during the day of which is when General Service Bureau calls sometimes they leave an automated message on my cell phone other times they do not. The one time I answered I asked that they not call before XXXX XXXX. because I am working. They then turned around and called my work number and I informed them not to call me at work that I could not accept calls like this at work. Today XX/XX/18 they called my cell phone at XXXX of which I can not answer while I am at work. They then turned around and called my work phone of which I did answer. When I said " This is Doe '' they hung up. This is not acceptable. I have tried calling them back but I do not get any kind of an answer. I don't leave messages since I work and they can't call so I keep trying to find out why they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: IL

Complaint narrative:
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report Should they continue in this course of action, I plan to take legal action but I want to create a paper trail. 

INQUIRIES XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/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 2018-07-18 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX continues to report the status of my account incorrectly after months of my asking them to correct. In fact, they have now started reporting the status more incorrectly. Please see the attached letter on XX/XX/XXXX and XX/XX/XXXX to XXXX. 

Thank You!! 

XXXX XXXX XXXX /Users/XXXX/Documents/XXXX : XXXX Pay Off.doc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: MI

Complaint narrative:
I have multiple accounts reporting on my credit report that do not belong to me, including but not limited to student loans. The accounts are reporting from XX/XX/XXXX from XXXX XXXX XXXX XXXX for {$9600.00}. I've repeatedly disputed these things with this company. I've also come to discover that Michigan statue of limitations for debt collection is 6 years. the law states that this shouldnt be reporting to my credit regardless of the situation. also, I see a third party debt collection company, by the name of XXXX XXXX XXXX for the amount of XX/XX/XXXX for the amount of {$870.00} and another from XXXX XXXX XXXX for {$320.00} from 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 2018-07-18 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: MI

Complaint narrative:
I have multiple accounts reporting on my credit report that do not belong to me, including but not limited to student loans. The accounts are reporting from XX/XX/XXXX from XXXX XXXX XXXX XXXX for {$9600.00}. I've repeatedly disputed these things with this company. I've also come to discover that Michigan statue of limitations for debt collection is 6 years. the law states that this shouldnt be reporting to my credit regardless of the situation. also, I see a third party debt collection company, by the name of XXXX XXXX XXXX for the amount of XX/XX/XXXX for the amount of {$870.00} and another from XXXX XXXX XXXX for {$320.00} from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: MI

Complaint narrative:
I have multiple accounts reporting on my credit report that do not belong to me, including but not limited to student loans. The accounts are reporting from XX/XX/XXXX from XXXX XXXX XXXX XXXX for {$9600.00}. I've repeatedly disputed these things with this company. I've also come to discover that Michigan statue of limitations for debt collection is 6 years. the law states that this shouldnt be reporting to my credit regardless of the situation. also, I see a third party debt collection company, by the name of XXXX XXXX XXXX for the amount of XX/XX/XXXX for the amount of {$870.00} and another from XXXX XXXX XXXX for {$320.00} from 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 2018-07-18 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: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
On XX/XX/2017, I paid on my XX/XX/XXXX payment. 

The payment was made on the phone and through automation, which has and keep my payment information. The payment was made on the XXXX and there is an audit log from XXXX XXXX that also verifies that I paid on the XXXX. 

Caliber homes the mortgage company was closed on XX/XX/XXXX and there was no prior notification of this fact. I called in twice and in order to pay I made it through the automation in which I have done since having the loan for 3 + Years without a late. 

After paying I also did not receive a confirmation via email that is done and also as proof of payment. 


Caliber home was closed until XXXX the XXXX, or XXXX. They then processed my payment. 

They reported my payment 30 days late although I paid and have proof from XXXX XXXX, and also letters from them stating I paid on the XXXX, however, they continue to report me to the credit reporting agencies as late even after admitting they have knowledge that I paid on the XX/XX/XXXX ( please see attached documents ). I also demonstrated that I also had funds in the account. 

I am seeking relief from the CFPB to help resolve this issue as it is not a correct reporting. There are logs that show that I made the payment on the XXXX, the law does not stipulate it is when a company decides or available to process. As part of the fair credit reporting this is against the law and I am being treated unfairly and have taken a severe credit hit due to this issue that should have been resolved. 

I have disputed with the company multiple times and at the highest level and have been treated rudely and disrespectful in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emerald AR Systems, LLC
State: AZ

Complaint narrative:
On XX/XX/2017, I had a medical appt with XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX whereby his office was to bill my insurance company, XXXX XXXX since the visit was pre-approved and he was listed as my primary care physician. 

Although I have had several appts since that date, his office, XXXX XXXX XXXX continued for several months to send the {$180.00} invoice to my residence. Each month upon receipt of the invoice, I contacted Access as to why the bill had not yet been paid. 

Each month, the ins co indicated that the provider has incorrectly coded the visit. They assured me that once the provider submits the correct info, they are happy to pay the invoice since I most certainly have coverage. I am also told to disregard the bill and that because I am on XXXX, it is against the law for the provider to bill or harass me for payment. 

This same loop has gone on monthly for over one YEAR, during which time, the bill was sent to Collections and I have had to communicate the same info to them. Finally, the last 2 months, I had XXXX on a 3 way call to resolve this situation. The Collections Agency-Emerald AR Systems, the provider-XXXX  XXXX XXXX XXXX XXXX, the med ins co-XXXX XXXX, and I all understood that it is the provider who has REFUSED to submit the necessary info for the bill to be paid. I was again told by XXXX that I am not liable nor should I have to deal with this monthly aggravation, and that all parties are on board as to what needs to be done on their part to resolve the bill months ago! 

Just yesterday, I received ANOTHER letter from Emerald AR Systems, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX stating that the provider has closed the acct and directs the Collection Agency to collect from me. The acct # XXXX Please help because the incompetence and the refusal to submit the appropriate claim for payment is shocking and I am being unduly harassed.

Company response to consumer: Closed with explanation