vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-06 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I pulled all of my credit reports ( XXXX XXXX  and Experian ). 

On my credit reports I found each of them had three collection accounts from a XXXX XXXX XXXX. 

I reached out to XXXX XXXX XXXX and asked for an explanation and asked for verification. During this process I also advised XXXX XXXX   XXXX to send me some sort of verification of the debt ( s ). Date of transaction, what type of transaction or service, where the service was  performed and by who. I asked for this information to be sent to me within five business days. 

XXXX never sent me anything. Nothing at all. 

So naturally I disputed these collections with each credit bureau. I did this on XX/XX/XXXX with all reporting bureaus. 

XXXX AND XXXX both deleted the collection accounts as they were unverifiable. 

Experian, however, stated the dispute is valid and that the data furnished sent them proof. Funny, the other bureaus deleted it and yet someone how Experian validated it. 

When I called into Experian to ask for proof of validation they sent me to a supervisor named XXXX XXXX. XXXX returned my call on XX/XX/XXXX at XXXX XXXX   CDT. 

During this call I asked again for proof from the data furnisher to Experian that somehow proved and validated his debt. 

To say XXXX was apathetic would be an understatement. What XXXX advised me was, on a recorded call, to contact XXXX XXXX XXXX and request it. 

You know, thats hard to do when Ive already did that in the first place and they were unable to provide one single document. Additionally, Experian is the one who apparently said its validated and yet wont provide the proof. 

Experian, going on my experience with these things, never validated anything. They sent some form letter which required no actual proof ( maybe they didnt even do that ). 

I asked for XXXX XXXX supervisor at which point he told me this doesnt count for someone above me to look at.. then he promptly hung up the phone. 

XXXX DIRECT number is : XXXX ( XXXX ) XXXX I know my rights and I know Experian has violated them. 

This is unacceptable. These bureaus, especially Experian are notorious for believing they are above the law and that they can trample on anyone with no recourse. 

They should pay fines for every single day my credit is effected. Im currently trying to lock down a mortgage and this is hurting me! Direct from the lenders mouth. 

This needs to be taken care of at once.

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 2019-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
Talked to SLS today, had an attorney XXXX XXXX XXXX, helpling me but is a scam, didnt know what they submitted, then get a letter about short sale, XX/XX/XXXX then sent to them on XX/XX/XXXX no response. Talk to rep, said sale XX/XX/XXXX,  refaxed modification and removed  XXXX XXXX XXXX, but said no time?!?!? If need to short sale how can i list in 2 weeks!!! Know not an excuse but didnt sign anything with the law group, doing it on my own now.

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 2019-05-06 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: OH

Complaint narrative:
On XX/XX/2019 XXXX XXXX XXXX placed an account of {$600.00} on my credit report from XXXX XXXX Ohio. This was not accurate. This caused my credit score to decrease by 20 points. I contacted the creditor and they removed this false account from my credit report but my score did not increase by the 20 points I lost it only went up by 1 point. This is unacceptable!! This error was not my fault. My score has suffered 19 points because of an error. How is this legal? Who else is this happening to? Why is it okay for your credit score to be effected by another companys error ... I feel my credit report should have went back up the 20 points I lost. TransUnion stated thats not how it works ... Why??? How are consumers supposed to work towards getting their credit in order if a company can just report a false account and then resolve the issue but your score is still affected??? This should not be happening ...

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 2019-05-06 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:
These inquiries were not authorized by me & I have explained that they should be removed from my credit report but are still being reported for the following XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ( listed 6 times ), XXXX XXXX, XXXX XXXX, XXXX, XXXX Card. I have sent in police reports, identity theft reports put a fraud alert on my credit report & you continue to report these even though they should not be on my report.

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 2019-05-06 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: NJ

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see pages 16 and 17 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-05-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had my identity stolen in XX/XX/XXXX. The thieves opened 2 credit line accounts with XXXX bank. I found out in XX/XX/XXXX. Had a police report made and notified the the 3 Credit Bureaus. All of them is such a difficult thing to get help. almost impossible. The websites aren't clear as to what to do. The numbers they provide are not right, as they are automated and no way to speak to a person. In special with Experian, I filed a dispute, notified them of the identity theft back in XX/XX/XXXX, printed a report with the information and as of today, XX/XX/XXXX my credit is still showing the derogatory information. 
It is absurd what a person has to go through after being victimized by thieves. Something needs to be done about these companies. XXXX XXXX is the same thing. I notified the 3 of the fraud, yet, I had to spend the day talking to them.

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 2019-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Donald R Conrad P.C.
State: MI

Complaint narrative:
I received a letter dated XX/XX/19 for a debt of XXXX to XXXX XXXX. XXXX XXXX shows they cashed my check on XX/XX/19. The debt has been paid and was paid before they ever reached out to me. The letter I received does not state it is from a collections agency, and does not have an inked signature. They have called me and don't identify themselves as a collections agency on the phone. This collections agency technically owes me {$1000.00} for violating the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: CA

Complaint narrative:
Trying to dispute an item on my Experian credit report. XXXX account should display " Paid as Agreed ''. This account is on a debt management plan agreed to by XXXX ( XXXX XXXX agent ) through XXXX. 
Unable to file dispute either online or over the phone with Experian. Online system is perpetually " experiencing technical difficulties '' and no one answers the phone.

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 2019-05-06 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: NJ

Complaint narrative:
Equifax is reporting incorrectly that I am 120 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
After receiving a response from Midwest Recovery Systems ( MRS ) on my complaint through CFPB on XX/XX/19, I proceeded to contact the company as directed. I emailed them on XX/XX/19 and attempted to call them ( phone did not go through after the fifth attempt ) today XX/XX/19. I have not been contacted or been able to get a hold of this company that supposedly has a collection debt from a hospital I have never visited. I am filing again against this company for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: AL

Complaint narrative:
I have a car with XXXX and have made all of the payments and have continued to make all of the payments. At the time of XXXX, XXXX I got sick and was in the hospital and was having my throat cut for the second time. I called XXXX and advised them that my payment would be at the end of the month, and that my son, was making one also, and that I would be making another through the XXXX check. Sometime at the end of XXXX, XXXX after making all three of these payments and working with them they sent a man out in a truck and he advised that he was there to talk to us about the car. My husband told him there was nothing to talk about because I had worked it all out with XXXX and that I would be back in a few days and would be about to talk and explain it to them. He said that he was not talking to XXXX or us but that we needed to call them. My husband and my son went down to the lot of the place where he came from the next morning and explained it to his boss and they called XXXX and they advised that they had spoken to the supervisor and found my notes and everything was back on track going to be okay. I have consistently made payments to XXXX through my debit card or through XXXX XXXX or XXXX XXXX and since XXXX, XXXX they have been on time and not late and even before then we were on time and maybe late once or twice. XXXX went back into my credit report sometimes after XXXX, XXXX and placed that this car has been repossessed. This car has never left my possession and it has never been repossessed. When i called and questioned it on my statement they credited back {$50.00} as a late fee because they said that is all they could process it as because it had been added to the end of the loan. I will pay this car off at the end of this year and it has full coverage insurance and XXXX miles on it and it again has never left my possession.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 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: AL

Complaint narrative:
I have a car with XXXX and have made all of the payments and have continued to make all of the payments. At the time of XXXX, XXXX I got sick and was in the hospital and was having my throat cut for the second time. I called XXXX and advised them that my payment would be at the end of the month, and that my son, was making one also, and that I would be making another through the XXXX check. Sometime at the end of XXXX, XXXX after making all three of these payments and working with them they sent a man out in a truck and he advised that he was there to talk to us about the car. My husband told him there was nothing to talk about because I had worked it all out with XXXX and that I would be back in a few days and would be about to talk and explain it to them. He said that he was not talking to XXXX or us but that we needed to call them. My husband and my son went down to the lot of the place where he came from the next morning and explained it to his boss and they called XXXX and they advised that they had spoken to the supervisor and found my notes and everything was back on track going to be okay. I have consistently made payments to XXXX through my debit card or through XXXX XXXX or XXXX XXXX  and since XXXX, XXXX they have been on time and not late and even before then we were on time and maybe late once or twice. XXXX went back into my credit report sometimes after XXXX, XXXX and placed that this car has been repossessed. This car has never left my possession and it has never been repossessed. When i called and questioned it on my statement they credited back {$50.00} as a late fee because they said that is all they could process it as because it had been added to the end of the loan. I will pay this car off at the end of this year and it has full coverage insurance and XXXX miles on it and it again has never left my possession.

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 2019-05-06 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: TX

Complaint narrative:
Experian is incorrectly updating my credit file a company that is now called XXXX XXXX XXXX XXXX is reported as being negative which was never the case

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 2019-05-06 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: SC

Complaint narrative:
I submitted paperwork for Equifax to investigate some unfamiliar accounts on my credit report and they have failed to do so and/or notify me. The other bureaus have removed these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Professionals, Inc.
State: WY

Complaint narrative:
XX/XX/XXXX XXXX XXXX was paid in full for a date of service XXXX. The hospital failed to bill the insurance. 

I have not received notice after the fact until I started checking my credit report along with multiple phone calls and emails with the latest being XXXX. 

I have repetitively sent in multiple times copies of receipts and bank statements showing the account was satisfied in full. 

The information has been removed from my credit reports numerous times only to have the collection company change names and re post. 

I consider all of this as a fraudulent and this needs to be permanently deleted and removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I did not apply for any credit cards with TD Retail Card Service, however there's an inquiry on my XXXX credit report on XX/XX/2019 that I did not authorize. I've tried contacting TD Retail card services and they are refusing to remove the inquiry. I've also contacted XX/XX/XXXX to get help with item and they too have refused to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 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: NC

Complaint narrative:
I sent an investigation request to the credit bureaus on XX/XX/XXXX. As of today, I have not received any responses. They were supposed to respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: IN

Complaint narrative:
The date of service for the debt in question was on XX/XX/XXXX. Nothing was sent out as an attempt to collect this debt until late XXXX. On top of that I had no idea who this provider was because the lab that my doctor used was not authorized by me. They sent my lab work to one lab, XXXX XXXX XXXX XXXX, who then sent to a sub contractor lab, XXXX XXXX, without my authorization and ability to decide or judge any patient responsibility charges prior. When this hit my credit I called to resolve but they will only do PIF trade line which I appeal because I never authorized this to begin with. I tried to have recalled by the debt owner, XXXX XXXX, but they refused since it was " 2 years old '' even though they still own the debt in question not the collection agency. Their credit hit dropped my score almost 100 points for a {$210.00} bill from an unauthorized lab. 

The agency is XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. Ph XXXX.XXXX.XXXX. Amt due XXXX from a letter dated 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 2019-05-06 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 SUBMITTED DISPUTES TO EQUIFAX AND XXXX TWO OF THE THREE CREDIT REPORTING AGENCIES TO LET THEM KNOW THESE ACCOUNTS OF BANKRUPTCY IN MY PUBLIC RECORDS SECTION OF MY CREDIT REPORTS WERE IN ACCCURATE AND THEY SENT ME RESULTS OF THE INVESTIGATION STATING THESE ACCOUNTS WERE MINE AND THEY WERE VERIFIED AND I ALSO ASKED FOR PROOF OF THE THESE INVESTIGATIONS AND HOW THEY WERE CONDUCTED AND VERIFIED WHEN KNOW ONE FROM EITHER COMPANY WENT TO THE COURTHOUSE THAT THESE SO CALLED ACCOUNTS WERE OPENED AND OR CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: NC

Complaint narrative:
I sent an investigation request to the credit bureaus on XX/XX/XXXX. As of today, I have not received any responses. They were supposed to respond within 30 days.

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