vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE
State: NC

Complaint narrative:
Please remove this account it is not mine. Review the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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:
The following student loans were reported on my credit report.. .I disputed the accounts with XXXX, XXXX , Transunion for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. US DEPT ED XXXX, USDOE/XXXX XXXX, US DEPT ED 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 2019-06-22 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: OH

Complaint narrative:
The following student loans were reported on my credit report.. .I disputed the accounts with XXXX, Experian , XXXX  for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. US DEPT ED XXXX, USDOE/XXXX XXXX, US DEPT ED 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 2019-06-22 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: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
XX/XX/XXXX - Contacted XXXX ( credit reporting company ) via mail to dispute a XXXX XXXX account that is in collections under company name, Waypoint Resource Group. I have NEVER had a XXXX account. 

XX/XX/XXXX - XXXX identified the information as accurate via Waypoint. I was instructed to contact Waypoint directly. 

XX/XX/XXXX - Contacted Waypoint via phone. The representative would not provide information about the account. He only wanted to get personal information from me and instructed me to contacted XXXX. 

Submitted an online dispute form with XXXX, indicating that I had contacted Waypoint. 

XX/XX/XXXX - XXXX, again, identified the information as accurate via Waypoint. I was instructed, again, to contact Waypoint directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: FL

Complaint narrative:
It could be that this creditor just made a mistake because I assure you XXXX XXXX wasnt paid late, its in deferment payments were reduced.. Please verify and delete it from my credit report.. .The error has affected my credit score..CFPB please step up and fix this ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22 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: FL

Complaint narrative:
I received a copy of my credit report and found the following to be errors. Here as follows are items in error : XXXX {$230.00}

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 2019-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC

Complaint narrative:
I submitted a previous complaint about two weeks ago Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 

COMPLAINT ID XXXX I am continue to have problems with bayview mortgage company asking me the same paper work I have already submitted. For example they want a copy of the deed with my name. I have already given them the information that states I am the executor over the estate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX - Contacted Equifax ( credit reporting company ) via mail to dispute a XXXX XXXX account that is in collections under company name, XXXX XXXX XXXX. I have NEVER had a XXXX account. 

XX/XX/XXXX - Equifax identified the information as accurate via XXXX. I was instructed to contact XXXX directly. 

XX/XX/XXXX - Contacted XXXX via phone. The representative would not provide information about the account. He only wanted to get personal information from me and instructed me to contacted Equifax. 

Submitted an online dispute form with Equifax, indicating that I had contacted XXXX. 

XX/XX/XXXX - Equifax, again, identified the information as accurate via XXXX. I was instructed, again, to contact XXXX directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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:
It could be that this creditor just made a mistake because I assure you XXXX XXXX wasnt paid late, its in deferment payments were reduced.. Please verify and delete it from my credit report.. .The error has affected my credit score..CFPB please step up and fix this ASAP

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 2019-06-22 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: FL

Complaint narrative:
It could be that this creditor just made a mistake because I assure you XXXX XXXX wasnt paid late, its in deferment payments were reduced.. Please verify and delete it from my credit report.. .The error has affected my credit score..CFPB please step up and fix this ASAP

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 2019-06-22 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: FL

Complaint narrative:
The following multiple entries of student loan IS NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXXXXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MI

Complaint narrative:
At XXXX XXXX  on XX/XX/2019, the PLAINTIFF, aka XXXX XXXX, had {$1900.00} available for withdrawal in checking account number XXXX At the close of business on XX/XX/2019, the PLAINTIFF still had {$2500.00} available for withdrawal. On XX/XX/2019, PNC misrepresented the balance of PLAINTIFF 's available funds to charge an unwarranted fee of {$36.00}, therefore, causing the PLAINTIFF 's said checking account to be overdrawn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-22 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: FL

Complaint narrative:
The following multiple entries of student loan IS NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 2019-06-22 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: FL

Complaint narrative:
The following multiple entries of student loan IS NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/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 2019-06-22 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: FL

Complaint narrative:
The following accounts ARE NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, DEPT OF ED/XXXX   XXXX, DEPT OF ED/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22 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: FL

Complaint narrative:
The following accounts ARE NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/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 2019-06-22 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: FL

Complaint narrative:
I am unable to determine what the charge is for. I need more information regarding the account but Equifax and XXXX did not respond.. I request that you send me the name of the creditor to whom the debt is owed, the contract bearing my signature and all other important documents that my prove that I owe this company. If you can not provide it, delete the accounts XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: FL

Complaint narrative:
I am unable to determine what the charge is for. I need more information regarding the account but XXXX  and Transunion did not respond.. I request that you send me the name of the creditor to whom the debt is owed, the contract bearing my signature and all other important documents that my prove that I owe this company. If you can not provide it, delete the accounts 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 2019-06-22 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: FL

Complaint narrative:
I am so confused right now why Experian report the accounts as transferred accounts but its current, all payment history were all OK. CFPB, clear this all up and report them correctly. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX 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 2019-06-22 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: TN

Complaint narrative:
On XX/XX/19 I sent a letter to Experian requesting documents used to verify these 8 accounts on my report. I only seen one account mention in the dispute when I listed a total of 8 accounts and the account numbers as they appeared on my report. I never received any documents after 30 days, only a message stating that the account was updated, and verified on XX/XX/2019. I sent another letter following up after the 30 days on XX/XX/19 requesting again under the Fair Credit Reporting Act a copy of the documents used to verify the accounts. I again received a message stating that only one account was updated and as of today I have not received documents on any of the 8 accounts in question.

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 2019-06-22 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: TX

Complaint narrative:
I have never been late on this account. I never made a late payment to this company ever please change this, i have a good relationship with this company Delete the late payments on XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: TX

Complaint narrative:
I have never been late on this account. I never made a late payment to this company ever please change this, I have a good relationship with this company Delete the late payments on XXXX, 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 2019-06-22 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: TX

Complaint narrative:
I have never been late on this account. I never made a late payment to this company ever please change this, i have a good relationship with this company Delete the late payments on 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 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
The transworld/ XXXX XXXX debt is a debt.from 2012 and i was told by XXXX XXXX it would be off.my credit after 6 years and that they would nkt try to collect on it anymore. Now i have it on my report again and its past 6yrs and should not be there and now they wont remove it. Please remove this time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
On XX/XX/XXXX, this company who I have NEVER heard of just added themselves to my credit report without sending me ANYTHING. This company is a fraud and you can tell based on the reviews online. I do NOT own ANY of these debts and they need to remove themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The following complaint is in regards to credit reports generated by TransUnion and XXXX   on XX/XX/2019. Upon reviewing my report, I discovered that the telephone number being reported, as well as the employment history, are inaccurate and the findings do not reflect my current status. In addition, the report does not accurately reflect my current credit line across all lines of credit ( credit cards ).

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 2019-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
I have attempted to contact XXXX XXXX XXXX numerous times to stop automatic withdraws from my checking account. I've gone to multiple gyms to try to get this stopped and have paid fees to break the contract of {$100.00}. Yet again the company won't stop charging my account, This has been a reoccurring pattern with this company. 

In XX/XX/XXXX the company was informed by me and my wife that we would like to put our membership on a hold. The manager of the gym told us that it would be done, yet he did nothing. We were charged for 5 months of excessive dues of XXXX a month. Eventually after calling their headquarters office we were able to get the membership on hold. 

InXX/XX/XXXX we attempted to cancel our membership once and for all. The manager said that it would be done. Yet again we are still being charged {$43.00} per month. 

Finally on XX/XX/XXXX we went to a different gym and spoke with a different manager. We paid {$100.00} to break our contract, and promised that we wouldn't be charged anymore. On XX/XX/XXXX we were charged again for {$43.00}. 

I am in the process of attempting to collect receipts for the {$100.00} fee paid and the copy of the contract.

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