vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-19 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: U.S. BANCORP
State: NY

Complaint narrative:
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX  and 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 2018-03-19 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 disputed inaccurate information multiple times with Transunion, XXXX XXXX and XXXX XXXX XXXX. These 2 accounts are not mine but still remains. 

{$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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 disputed inaccurate information multiple times with XXXX, Equifax XXXX and XXXX XXXX XXXX. These 2 accounts are not mine but still remains. 

{$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX  deleted this account how did they delete it if you verified it with XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: NY

Complaint narrative:
Each credit bureaus are showing different Details on the accounts. There are multiple accounts showing different by each bureau and i sent in a credit report with the highlighted differences and still there was no change i had disputed this accounts multiple times and still no change what is up with you guys it fells like i have to run around every single time over and over and over and i get no ware with you guys.

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 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HW Holding, Inc
State: FL

Complaint narrative:
this account was opened in some one else name they pull my credit three times without my knowledge! HUNTER WARFIELD

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: FL

Complaint narrative:
XXXX XXXX XXXX billed charges initially to to the wrong Insurance company when they should have sent the bill to XXXX. Before they fixed that they sold their billing to a collection agency. XXXX XXXX submitted the bill to XXXX and was paid by XXXX. They subsequently sent me back a refund for the overpayment I had made. XXXX XXXX, the Collection Agency does not recognize that and is using Transition as muscle. I sent All three reporting agencies the details and XXXX along with XXXX fixed the problem. TransUnion did not do anything with it and continues to report negative collection information. XXXX XXXX refuses to acknowledge any facts.

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 2018-03-19 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: IL

Complaint narrative:
In XX/XX/XXXX I filled a dispute for accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Bankruptcy Ch-XXXX, And Hard Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX/XXXX   XX/XX/XXXX 3.  XXXX/XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Using their online dispute tools, I wrote : I have no contract with this 3rd party collection agency, therefore Im not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

And, I did not file bankruptcy, therefore im Not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

On XX/XX/XXXX XXXX  removed the account from my credit report. But on the same day XXXX   allowed XXXX XXXX XXXX to resubmit the false information. 

And there is an account, XXXX XXXX XXXX XXXX, on my Credit Report that does not belong to me. I disputed this information with XXXX requesting validation of the account ( i.e. any contracts or proof of agreement to pay ). I still have not had this item removed from 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 2018-03-19 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: IL

Complaint narrative:
In XX/XX/XXXX I filled a dispute for accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.  Bankruptcy Ch-XXXX, And Hard Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX/XXXX   XX/XX/XXXX 3. XXXX/XXXX XX/XX/XXXX 4. XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Using their online dispute tools, I wrote : I have no contract with this 3rd party collection agency, therefore Im not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

And, I did not file bankruptcy, therefore im Not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

On XX/XX/XXXX Equifax removed the account from my credit report. But on the same day XXXX   allowed XXXX XXXX XXXX to resubmit the false information. 

And there is an account, XXXX XXXX XXXX XXXX, on my Credit Report that does not belong to me. I disputed this information with XXXX requesting validation of the account ( i.e. any contracts or proof of agreement to pay ). I still have not had this item removed from 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 non-monetary relief
Consumer complaint received 2018-03-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've disputed several accounts with XXXX  and even provided police report and ID Theft affidavit to help resolve the issue and XXXX  has refused to address the matter. They have failed to verify to accounts 100 percent and have only relied on an automated process. The following accounts are a result of ID Theft : 1. XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3 .WF XXXX Account # 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 monetary relief
Consumer complaint received 2018-03-19 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: AMCOL Systems, Inc.
State: MI

Complaint narrative:
I have disputed multiple times with XXXX, XXXX and XXXX  regarding the inaccurate reporting of AMCOL SYSTEMS. Multiple account are being reported that are not mine. 

Amcol Syst Opened XX/XX/XXXX {$150.00} Original creditor : XXXXXXXX XXXX  Amcol Syst Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX  Amcol Syst Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: IN

Complaint narrative:
I got notification from credit monitoring service that a collection account was added to my file without receiving any dunning letter from this estranged company that I have no dealings with. 
I contacted National Credit Management on XX/XX/XXXX and requested a copy of a signed contract showing that I owe this balance and to provide me with copies of any papers that show I agreed to pay what you say I owe. 
The company responded with emails from someone and their company exchanging emails back and forth regarding overdraft fees from an account. 
This company has no proof that this account belongs to me and I have no knowledge of this account or this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CNG HOLDINGS INC
State: MO

Complaint narrative:
The debt collector contacted my parents at their home phone number. My mother contacted me to inform me about the phone call and stated they have called her several times, which she asked them not to call her again. They have ignored her request. She stated they threatened legal action against me if I didn't contact them. She gave me the number, ( XXXX ) XXXX, which I called myself. The number was answered quickly and I was unable to catch the company name so I asked the female what company was she with, which she then asked me to " hold on a moment ''. I asked her did she not know what company she worked for that she couldn't answer my question? She said she asked me to hold on so she could enter the number I was called from into the " federal database ''. She then placed me on hold. I was on hold for about 15 minutes before I hung up. I wanted to find out what company hired the debt collector so I could determine who I owed a debt to or if I even owed a debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: KS

Complaint narrative:
They have called me repeatedly over the past few weeks. They have been calling from several different numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have refused to disclose any information regarding my debt amount and verification and have demanded that I " resolve this issue immediately ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
After filing a complaint to get a copy of loan payment history records with CFPB on XX/XX/XXXX I received the requested information on XX/XX/XXXX. 

In their letter Specialized Loan Servicing ( SLS ) that both my account transferred to SLS on XX/XX/XXXX, XXXX and the account in question was due for the XX/XX/XXXX post-petition payment. The other account was correctly shown as having the payment due XX/XX/XXXX. 

After review of the payment histories provided and my payment records I see that I paid XXXX payment to the prior Loan Servicing company and did not owe an XXXX payment to SLS as they stated. They have been wrongly charging me a XXXX late fee since they took over this loan. 

I sent a certified letter stating the problem and asking it be corrected AND I be refunded the improper late charges and included documentation from XXXX XXXX that they had received the XXXX payment on XX/XX/XXXX. 

I received a reply from SLS dated XX/XX/XXXX saying the received my letter and my case is under review. I have since made MANY phone call but have not received any answers or reply 's and the errors have not been corrected. 

They said in their letter they would have a response issued to me within state and/or federal regulations timeframes. I don't know what those timeframes are but I do know it have been 6 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX is the creditor. 

After 1 day past due they begin calling from numerous numbers and calls are often back to back. They also never leave a message and allow you time to respond. They have also called my work number despite being asked to remove that number from their file. 

The calls are incessant and unwanted. I have asked that all communication be through the mail and have had no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 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 disputed multiple times with Transunion, XXXX and XXXX regarding the inaccurate reporting of XXXX XXXX. Multiple account are being reported that are not mine. 

XXXX XXXX Opened XX/XX/2017 {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2017 {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2017 {$150.00} Original creditor : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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 disputed multiple times with XXXX, Equifax and XXXX regarding the inaccurate reporting of XXXX XXXX. Multiple account are being reported that are not mine. 

XXXX XXXX Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I went online to this loan company and took out a {$500.00} loan. I started making my payments on time until I had to close the account I was using to make the payments. I contacted Bigpictureloans to let them know that I was no longer using the account and wanted to use another checking account with a different bank. I was informed that they would have to do a 3rd party call with the bank to verify that the account was open and how long it has been opened. We made the call to my bank several times but the bank refused to take to Bigpictureloans while being on the phone with me. so they told me to use my debit card or credit card to make my payment, in which I did but my bank denied it because they were using a third party transaction company out of the XXXX and my bank told me they blocked it because of potential scam being that its in the XXXX. I notified Bigpictureloans about this and they instructed me to start mailing in my payments by money orders. I had 3 payments remaining until my account was paid in full, the payments that I made by money order was posted on the website as current up to XX/XX/XXXX. On XX/XX/XXXX I mailed in a money order for XXXX on the XXXX which they should have received it on the Friday the XX/XX/XXXX like the other mailed in payment, so now my account in past due and they are saying they have not received the payment and it would take up to 7 to 10 business days to post ( the other mailed in payments didn't ) and I called them on XX/XX/XXXX to see why and then that's when they told me about the 7 to 10 days. In the meantime, I checked on the website and it said I had to pay XXXX to bring my account current, in which I mailed it on XX/XX/XXXX. Now they are saying they haven't received that money as well. I have been calling to speak to someone about this and they keep telling me not to call but wait for their support team to call me back or I will get an e-mail. I called on Saturday, XX/XX/XXXX. I haven't heard anything from them, each time I called they would put me on long holds, and they would ask me questions to make me say YES, if I didn't say yes they would just sit on the line saying they are viewing my account. I would hold for 10 minutes or so. I called today XX/XX/XXXX and they are still doing the same thing. I have one last payment on XX/XX/XXXX for XXXX but when I talked with them they told me to pay XXXX or XXXX to pay off the loan. I told them, if I pay anything I will pay my last payment agreement of XXXX not the amount I was told. I need to know should I make the last payment or not. I was doing some online investigating and I have discovered that there was a lawsuit with this company here in the state of VA and Bigpictureloans lost because its illegal to charge high interest rates. According to the website, I have paid a total of {$2000.00} in interest and principle amount of {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I received a notification on XX/XX/XXXX, that 75 points were deducted from my credit score because of a debt through Ally Financial that wasn't paid. However, I never received a notification through the mail that I owed anything. My address that they had on file was an old address. I spoke to Ally Financial on XX/XX/XXXX and had them update my old address to my new address on my account, but they must not have saved the address, as the bill was sent to my old address. I never received notification that I owed any debt, as they did not update my address. The mail that was sent was sent back to the collection agency, and no one notified 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 2018-03-19 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: Diversified Consultants, Inc.
State: MI

Complaint narrative:
I have disputed multiple times with XXXX, XXXX and XXXX regarding the inaccurate reporting of DCI. 
These inaccurate accounts continue to be reported and they are not mine. 

Dci Opened XX/XX/XXXX {$270.00} Original creditor : XXXX Dci Opened XX/XX/XXXX {$1000.00} Original creditor : XXXX

Company response to consumer: Closed with non-monetary relief